# PRIME FINANCIAL
Cudahy, WI · NCUA charter 66449 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/prime-financial-66449

Who the members are: state charter, organized 1923, low-income designated. 15,983 members of 1,000,000 potential (1.6% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $162.0M |
| Members | 15,983 (-3.0% YoY) |
| Full-time staff | 58 |
| Net worth | $15.9M |
| Net worth ratio | 9.8% (p25 of band) |
| ROA (annualized) | 0.44% (p33 of band) |
| Total delinquency | 0.90% (p69 of band) |
| Net charge-offs (annualized) | 0.89% (p87 of band) |
| Loans / shares | 94% (p95 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 3.63% |
| Net interest margin | 4.98% (p95 of band) |
| Operating expense / assets | 5.85% (p96 of band) |
| Vehicles % of loans | 39% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 205% (p86 of band) |
| Vehicle delinquency | 1.14% (p77 of band) |
| Vehicle NCO | 1.60% (p87 of band) |
| Repossessed % of vehicle book | 0.07% (p76 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 12% |
| Average share balance | $4,721 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $12,234 |
| Loans granted, annualized | $35.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (13.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 2 |  | thin capital |
| 2019-03 | 3 | thin capital, delinquency 2x band | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | thin capital, delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | expense trap |  |
| 2020-06 | 5 | thin capital, net worth falling, losing money, delinquency 2x band | expense trap |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 3 |  | net worth falling, losing money, delinquency 2x band |
| 2021-03 | 5 | losing money, charge-offs p90 |  |
| 2021-06 | 2 |  | margin squeeze, losing money, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | expense trap |  |
| 2022-06 | 3 | delinquency rising | expense trap |
| 2022-09 | 3 | delinquency 2x band | delinquency rising |
| 2022-12 | 5 | expense trap, delinquency rising |  |
| 2023-03 | 4 |  | expense trap |
| 2023-06 | 4 | expense trap | thin capital |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | loans>95% of shares |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 5 | charge-offs p90 | net worth falling |
| 2025-09 | 4 |  | loans>95% of shares |
| 2025-12 | 4 | loans>95% of shares | delinquency 2x band |
| 2026-03 | 3 | net worth falling | charge-offs p90, loans>95% of shares |

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

- 2026-02-09 [Here’s how to get free tax help in Milwaukee in 2026 - Milwaukee Neighborhood News Service](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZG4xVGRCeWxUeFg0YXFZeDVzNjNoamU3UVRuRmRZblo3WURwbW5laEFJNjljWDVsbUVpMVFpRWxGaEs1YnU5M0E5X1dJZXdEcnVma0NfeE9obXBTaEt0SkpPamJMbVJVQ21NdE9VTjlRSXljSjhWRVBCd29FYXZKcHUwTjR2UEtmZHBoQzJIM20tUQ?oc=5) · Milwaukee Neighborhood News Service
- 2026-02-09 [Tax season is here. Where can you get free tax help in Milwaukee? - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMivAFBVV95cUxPa0ZkSHJXVkpkNkIxZFEwbXkydDFqZzNEbTdNYTdjdXNOMHh3VllseXFGcDBVdGoyb3FWbmxRU0JnSjd0aDB5cGFoRlM1NFFsZmZRSm0wV3E2cHhHWDdNZk1aUWptbDM2OC1UUG5PdHdxbkRwSC1WSUtQZlA0OU9RT0xfb1pwd0dLeWh4enVmZ1g5R2FYVHFTWVVuMUhQbkF5eGNWVHpzdEYyaHI0b1QtLVVhcHkzM1J6dzF5Rg?oc=5) · Milwaukee Journal Sentinel
- 2025-03-01 [Here's how to get free tax help in Milwaukee - OnMilwaukee](https://news.google.com/rss/articles/CBMibEFVX3lxTE5Zckk0b0YxWnN3N0wzUVdDRUg3WUlVTDRaa1BYaDFYV1JqVHBDWGVtX2NVbExuTXNtQy1tUzFqZWFvWFQwLWFNMmM3QjRXRzRUUXBsVDBCcElMNFFkYkFWaF9aRFhJX2ZROGtXZA?oc=5) · OnMilwaukee
- 2022-03-19 [La Macchia Group hires Kevin Mineard as CFO - CUInsight](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSGV0QnNvc0NXd2xVdXdBVU5yWlFsSHNNaTk5TU9mWWZqZHE0ek0ySXBxWFNySEI2NlpjYnllZUtwYmFicldOMkVVYTE4YnhlOWE0RUl1NUlta2JoTHhuempBODE4Z2VldmVzVW9zYUQteWZhVEttOGEyT1g3Q3BKZ3NJZnppaFhHa3lNdg?oc=5) · CUInsight
- 2025-02-27 [Here's where you can get free help with your taxes in Milwaukee - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZHRrdGFmNUluRWg3NUx3NjhHeWZEVVBUaXhmckY3ekMybFQ5Y2RYZXpQeG5TX3cyS1kyX2VtZmxlbjFlUGx2RVhBZnliZWJOY0NWZ3BPNlhzMUxCajRrdFdUdWI4LTJBY05vLW9jLVM4QzEzUVZKVUJSTV9jY3FVMndLcDgzMG9LM0dUSkdpWmlJZkQ1TmlVQjBqNU9SVnlyMnRhdlZGak1XdHBrM04yTzdKUUZEZw?oc=5) · Milwaukee Journal Sentinel
- 2024-03-07 [Here’s what you need to know to get free tax help in Milwaukee - Milwaukee Neighborhood News Service](https://news.google.com/rss/articles/CBMinwFBVV95cUxNRHBuZlBRUTNoWUgtS3RBRGYzQmFrWlFHSGtOWHd3LVhRaGl3SWJWYXI4SjNUeGZyMEx6ODZKbFNmVTVvLUtsNUw0empSU3Iyb1M4MVhwTTcwNW1ld3VoTDhGdkZuby1IRnNsVnV2czRBbjFVWXJKQUN4N2RDMWdMMnlzQWZOZlZ4Z0MtVGNVMkJVQVVyVnB4d1RvNy0zTXM?oc=5) · Milwaukee Neighborhood News Service
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66449 (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/17.json (key "66449", 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=66449
- 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