# SCHNEIDER COMMUNITY
GREEN BAY, WI · NCUA charter 66440 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/schneider-community-66440

Who the members are: state charter, organized 1968. 3,104 members of 264,610 potential (1.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 294.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.2M |
| Members | 3,104 (-5.5% YoY) |
| Full-time staff | 7 |
| Net worth | $3.3M |
| Net worth ratio | 12.7% (p55 of band) |
| ROA (annualized) | 0.10% (p44 of band) |
| Total delinquency | 0.30% (p45 of band) |
| Net charge-offs (annualized) | 0.10% (p69 of band) |
| Loans / shares | 66% (p77 of band) |
| Cash / assets | 35.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.83% (p71 of band) |
| Operating expense / assets | 4.26% (p83 of band) |
| Vehicles % of loans | 42% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 19% (p90 of band) |
| Vehicle delinquency | 0.62% (p66 of band) |
| Vehicle NCO | 0.00% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 5% |
| Average share balance | $4,487 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 294% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $1,661 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 | auto monoline | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | losing money, expense trap, 3rd-party paper>100% NW |  |
| 2017-06 | 5 | net worth falling, delinquency rising | auto monoline |
| 2017-09 | 4 |  | delinquency rising |
| 2017-12 | 3 | delinquency rising, members leaving | expense trap, 3rd-party paper>100% NW, net worth falling |
| 2018-03 | 1 |  | losing money, delinquency rising |
| 2018-06 | 2 | assets shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | expense trap, delinquency rising |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 3 |  | delinquency rising, losing money |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 1 |  | expense trap, assets shrinking |
| 2020-06 | 1 | net worth falling | members leaving |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |
| 2020-12 | 3 | repo signal | delinquency rising |
| 2021-03 | 2 |  | repo signal |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 | members leaving | net worth falling, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |

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

- 2026-08-18 [Congressman Brad Schneider Joins FHLBank Chicago for Roundtable on Housing and Financial Services Issues in Illinois’ 10th Congressional District - Morningstar](https://news.google.com/rss/articles/CBMirwJBVV95cUxOOEgwUnF0ajg5SXJWOEdfODR3MGNXZ0k1cVE4d0gzeG1hV3ZXM3FWWUJBUEd6UjNuMWw3U1lYc3poSERON1lzZ2hQYkxhbi1fOVFYbDllQ2pzWHhKTWxHczhtaEF2aDVxNXVHVVpiNFlsTEJfQ1k0bFlidnFvMjVhRi1hU1ZtX09VeE5RdVk4dVU5b3dZZ2dZczlHb1FySFMxU29MakZ2OWVEQnFGQ3hveEQ5dm1RUF9JS056VWxwdDcyaDE0ejEybDFHcHpBc2g0aW5UTGxqekFGZThHOF9YYlVjLVViTklfWlFCX2ZKY215ZEFrQW9zVTZrN0NDZlZhdTk4aU9YVmQzam1DUlRsbW5NdERSdHNsNkItMnpxMWlwY3c0djBITTE5UHk0d00?oc=5) · Morningstar
- 2026-05-08 [Adella M. (Stoehr) Brice Obituary Mar 28, 2022 - Blaney Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMickFVX3lxTE9vbl9sTlNrbHdtWG91REQyV0R0VzBXSjgwUzRtazBmLUg3MTJ4Q1BmOE55MDJoU05FVVJpa3pLTVVwaTRkaEdmWnk2VGhabmZRNHJEZ1djYmFMakFDbUNpTVdKUzQwUXRJM3JnWDJ1dmJUZw?oc=5) · Blaney Funeral Home &amp; Cremation Services
- 2016-05-24 [Credit unions offer Shred Fest in Fox Valley - The Post-Crescent](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNU5SbTN6VlpTT0R6UXU5VTFqbUlUNXNid3A0alFReW51eHBtaHYyd1BvdUpaWnJ0dGZYOVNjeXJFaHkyVU8weUI3WXgwZ3l1ZUNSV0lvNWhfWlhPRUUwUThKczRjY3JQRUFkOXRTN2c1MzNsMG1iWm5Md2dVV3BDblZldTBDMDVFOU1td1RmUmZwc3FZc3hqbEVKckZzbGkxNlFXSjFn?oc=5) · The Post-Crescent
- 2015-07-17 [Motel demolished, Ten O One open, Mariner closed - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPc0pEYlAxUTNSOEN4Xzl2NVNabU9JWTdQTHNqN1FXVFJMaThGb3JJbWxvTjlROWRLSTlhODFsS28xVmJ2WXU5VU82MlYzcU50MVk1SlN0b3FTN1VMUnd2NVFITGZFR1VFMHpoMjNtaV85R0pWYnpPUHZkVUdBdXZfUVVzUXRCVW5Kd1h1TDhHQU1iNUJZaFRMd0tBOTJxVXI5MlRvMjkzUDhDSDd4dWw1blZWeTdfT0FwbExV?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66440 (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/8.json (key "66440", 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=66440
- 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