# CONE
NEENAH, WI · NCUA charter 66426 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cone-66426

Who the members are: state charter, organized 1959. 1,412 members of 75,000 potential (1.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. 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 | $30.5M |
| Members | 1,412 (-4.2% YoY) |
| Full-time staff | 6 |
| Net worth | $3.2M |
| Net worth ratio | 10.6% (p40 of band) |
| ROA (annualized) | -0.13% (p26 of band) |
| Total delinquency | 0.40% (p51 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 72% (p83 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.11% (p35 of band) |
| Operating expense / assets | 2.45% (p34 of band) |
| Vehicles % of loans | 16% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.24% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 81% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 18% |
| Average share balance | $8,212 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $36,108 |
| Loans granted, annualized | $12.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 2 | losing money | net worth falling |
| 2017-12 | 0 |  | delinquency rising, losing money |
| 2018-03 | 2 | delinquency rising, members leaving |  |
| 2018-06 | 2 | assets shrinking | delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | losing money | members leaving, delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 3 | net worth falling, assets shrinking |  |
| 2020-06 | 3 | members leaving | assets shrinking |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | losing money, delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | net worth falling, losing money |  |

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

- 2026-08-07 [18 Wisconsin State Fair foods (& drinks), reviewed & ranked - OnMilwaukee](https://news.google.com/rss/articles/CBMifkFVX3lxTFB6a0hDOG9MVGxfQUVhaGs4ZVFpZWpEMU9RcDJoY1hqN014OGhwVVp6X2hqUzBYampIM0hVMU1DMUR4WG1RdE9vdXZPeXc5SS1yNmZGdEREMnZqTGRfSzlzd09FNWJBZjVFSEZuT253MXdIZXg0Z1NrVF82TGUwdw?oc=5) · OnMilwaukee
- 2026-08-05 [These Sporkies & Drinkies winners belong on your State Fair must-eat list - OnMilwaukee](https://news.google.com/rss/articles/CBMid0FVX3lxTE96aEwtaDhyNllQZzhOSGs1d3k0UTJFZVF6dEVYUm02bkdyVTBXRVBjX1hSdXc3VVQyWl90NExRbmNQTEJ1dWFZZlZSc0lWTGdQMldMcDk1MTh3Y3oxdVJaMVc3dl9GVE5NSlhrYzg1QVlCSnpEcDg0?oc=5) · OnMilwaukee
- 2026-07-09 [Wisconsin State Fair just dropped 84 new foods for 2026: Help me pick which ones to try - OnMilwaukee](https://news.google.com/rss/articles/CBMid0FVX3lxTE1hUlFZRlY1QW42WHAyOXhWZk1kRFpQWDlfeGI4VG5XWGg5UVNCVko1TTNvUTNHMkNFVU9FcEVPSUJ5Rzg4SWJGcDJzVnIzaTdlSy00bWhNNnRHZVRVdHc0UC11Q2JaV1RwTVF3TzQyenZ2ZUhsWnU0?oc=5) · OnMilwaukee
- 2025-06-19 [Whitewater man charged with firing gun outside Pine Cone - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi8gFBVV95cUxORmFRQ2wwU202dS1Zc2JBM2xCVWMtbktLYkNRenpfWVBzekpqcGxpT1NNSlUwd3ZLUnVXM1FwY2UyYjBxbXp1NklZaUNDOS05ZjhRTDk1bTJvSjlua19FTFVNNFQzSnNGYkJVbjVmVmdVSzh5S094VllWa0h4R0RRUnpSbWFLOTE4WUcxWVBMNzVBZml6Rm9YZkg1cXFoNEtqSGRUdDJzcVJFeUd2OWFnWS1mYWVoZjdyV3RJU1NvemJYb1RxZTQ0VG02ZDJMVHpXMGFueUV0STJVSVpzbkJKUS1uMWRsS1VZZ183OURCLTB3QQ?oc=5) · Daily Jefferson County Union
- 2017-06-01 [Farm to pizza: Wisconsin agriculture made for sharing - OnMilwaukee](https://news.google.com/rss/articles/CBMibkFVX3lxTE5lbVVteDNJcXFJMFd0SWhjX2JLaGNjLXBUWFE4ZzlYS1lzNFFnUXpkWVBqV3BST0lDVkI1YTRHdkZPMElQV2FqUF9FM3ljLWhSOUZ3LW43MmViTmF3VVFUV0hCQWJSQ1ZBOFpjNk93?oc=5) · OnMilwaukee

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66426 (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/58.json (key "66426", 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=66426
- 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