# AURORA
MILWAUKEE, WI · NCUA charter 66408 · asset band $50-100M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/aurora-66408

Who the members are: state charter, organized 1955. 5,870 members of 90,000 potential (6.5% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $57.5M |
| Members | 5,870 (-1.9% YoY) |
| Full-time staff | 7 |
| Net worth | $7.3M |
| Net worth ratio | 12.7% (p68 of band) |
| ROA (annualized) | 0.62% (p53 of band) |
| Total delinquency | 0.09% (p6 of band) |
| Net charge-offs (annualized) | 0.01% (p4 of band) |
| Loans / shares | 119% (p100 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 6.97% |
| Net interest margin | 3.13% (p45 of band) |
| Operating expense / assets | 3.21% (p36 of band) |
| Vehicles % of loans | 6% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.03% (p7 of band) |
| Vehicle NCO | 0.03% (p13 of band) |
| Repossessed % of vehicle book | 0.00% (p36 of band) |
| Real estate % of loans | 90% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 7% |
| Average share balance | $3,866 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $33,991 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | delinquency rising, leaning on borrowings |  |
| 2018-12 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Refuel The Farmer - wtaq.com](https://news.google.com/rss/articles/CBMiTEFVX3lxTE9rU0x2X1c1N0pKNEdaRXZHSEstdkdGWjgyc19fMXZiYUtVZ1BBbnBWT0xzVjFRMmlscTJCWDhYWXFBR1lfcTlmdGY0T0s?oc=5) · wtaq.com
- 2026-05-07 [Earthmover Credit Union breaks ground on Romeoville branch - Shaw Local](https://news.google.com/rss/articles/CBMisgFBVV95cUxQSkhUUTl6Zk9jNlE2NkJQTzFZb05jQWpSUXMzcmF5QUJ5OTFiYzJ5OGM4Mlh4b0RrTXYzNkVrbmc5Z1ZXQ1BjZnBLd0lSc2NUQm9QZV9UQ01OZGd0WkRkWGF2bjI1MkdqZzN4VW9waXNoa18wYjVaYU81ZTg2NGQ3M2oySWRpbXd3YjVmRE5OTmZEUWFQQjZVOG9UNFd0bkV4b2pRV3MzenRRUGFGeTNfQzZR?oc=5) · Shaw Local
- 2026-05-07 [Racine Farmers Market on the Lake Opens This Saturday for the 2026 Season - Urban Milwaukee](https://news.google.com/rss/articles/CBMitAFBVV95cUxPeDRUX0lMbEw4aE9TVTdPWW9tWWlsTkp4amdjbklxZk1hZ3BvbDI2ZTZ1aV9TWGtLUGFuUEpOeHpGT09ZVFZmTjhWTEI2alQxYnREV1lPeDB6eVpDdEdCTnZRY0NXcEhBU2NuT1JVdDFiRkVFU3FmQlp4WXN1TmlfTlFCZjE1V0drTXZkOURPZHdHeFF0cU05Z3VXLTlkV2lXZ29KUTVhYzlMdms1empuMlN6YjI?oc=5) · Urban Milwaukee
- 2026-02-04 [What's New at American Family Field - MLB.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY25DcGdkaEdXOHVEajlpVlJSWXNNS01CUmVxYXp5S2ViNGxsbmdkN2N1OTYzb1Q5dXJfcFhkWDZvamhGSXpjeERQblRHanI2N3drZ3dyckdCeTBOekpxdXd1dF9CZjgzWmZQZGJ3bE9qa0FYb1oycTl3WUppbldKZEFIRExTclh0ZXdMUm9qczB4cjjSAZ8BQVVfeXFMUEZzaHRHWktDbGdYc0lsTi1sS1g4SDRCR0lDd3dYZ05vUzJkMFFoMURJTU5pc3J0M2RSTEg3bHU0TTFjckRYMkNwU0RWck9Zc055QVJQVHVfaFVUcWVndERUai14S2kxQU5XRTA2QlI3N0FBZUV3dTFaVHU0UnUxTk1IZnY0SllfVGwwZ1FIdVh6dlJZZE1uQS1ENUdPaVRB?oc=5) · MLB.com
- 2026-05-20 [Trump family rallies around Vanessa Trump after breast cancer diagnosis and recovery - WCTI](https://news.google.com/rss/articles/CBMiygJBVV95cUxQYklBQS1QM0taekJOX25NQURRaFlZSTNBLW5fQldIM1g3SlZOQTF4MkdOX2FIVUVZT2c2Y2gyVkRQUjdDb0k2WG00ZHJqUTRGWUFFcFJFXzRpbVJZeTZLbVBER3VHelk0VW1EQ01NU0FiNU80c1VQWV9UZklMZEw5MGxQTWp1X0VONFA0bUtMVWZTLWtLV0k1dEkzTmhqM3lRd2tCMlRyNWFtNDFCM3EwM200RElXOHU2UXFYVTRrMFoxdldrcE5wZzBpamREZnlxN1Bqb3g2TlJBUGNZcE5ka2lBTUpGb0lHN2QzUE9jVzJBZWhFVmVFeUthRkxfdFFtU2w0MWZCSlJGYWQwU0NTYVFIOS0wenNiYUdIQS1BSVBVeGdRanNHVGIxTmlET0lXakQ5U1Z2Y3c4MG9JcU1EQnU1cXp2dUtSSFE?oc=5) · WCTI
- 2026-03-20 [Brewers unveil new fan experiences at American Family Field - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMilwFBVV95cUxNaUs3TkNqSmpNV3NKT19HTU1XTWJSVG5RZHI1ZGw2U0dhZ0NtWmhJZE4zbGc2NzREY3pCNnFfOFlCUmlwdWJYZ2U2OVdiTnFVblZ2ajZib2RBUjk0MDU1ZEozX29yS1BnVlg4YXltYW1HdkhxT29oMjNMUU1Ja2lVY3djalhqMXhVUEVwVUw3WTlndWtVb3Vz?oc=5) · FOX6 News Milwaukee
- 2026-05-08 [Valders wins team title at WPS Solar Olympics and more local briefs - Herald Times Reporter](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNbkMwRHJDaTRLWloyYnlHRXc2WVF0MkM4T0xqY1ZxVGlvdUFJNDR1TEItWV9nNEE5ek90b2Zjb1d0VnFzQ21hdFJEX01VUVFpRFp5UTc0SGlZTWdiekZpcVZsOEo0dTJzc281cW94WUt2V3UwZE9GZGt3Y3lZLS1USWhJSU5qZWtlandWbEdIbm8ySmV1NGc3dkJBbkt5aWJHTFJhM3NLY2pZWFRjTzJIeFNfSmgwYlVZdmh4OWVqUHl6VFgxNzhnU01QdmJ4XzNpUGhTRTZTdnZ5dw?oc=5) · Herald Times Reporter
- 2026-04-10 [Colorado has more than 40 employers on USA TODAY Top Workplaces list - The Coloradoan](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSzZzRjVMZ0hkcWxMdk5VeHdfSUVRRjl3MFc0dC1RX0x4R1Y3eXVBdldLYThiNlAtRTltYzVQTUZnbkFiNmJ6NDk0ZjRoZ05LTkNmQWFESjZHRHlzcDV6amxwZFQteUllNTZwWnZ5SWtXMTZ4WHpIbnVzMGdMUFhvVEpEbzFMNjctNW5VYkxnVUNaMVZ1QkZyZVREU1dFMmQ3a2hRLVJzbkVfWGdodXZR?oc=5) · The Coloradoan

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66408 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "66408", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66408
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide