# SCHOOL EMPLOYEES
Superior, WI · NCUA charter 66662 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/school-employees-66662

Who the members are: state charter, organized 1936. 558 members of 1,500 potential (37.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.4M |
| Members | 558 (1.8% YoY) |
| Full-time staff | 0 |
| Net worth | $387,460 |
| Net worth ratio | 16.0% (p56 of band) |
| ROA (annualized) | 1.36% (p82 of band) |
| Total delinquency | 0.35% (p39 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 85% (p87 of band) |
| Cash / assets | 27.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.91% (p85 of band) |
| Operating expense / assets | 3.63% (p50 of band) |
| Vehicles % of loans | 91% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 25% |
| Average share balance | $3,434 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,739 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | net worth falling, delinquency 2x band, members leaving |  |
| 2017-06 | 2 |  | net worth falling, delinquency 2x band |
| 2017-09 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2017-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 5 | delinquency 2x band, delinquency rising | net worth falling |
| 2018-09 | 4 | loans>95% of shares, leaning on borrowings | members leaving, assets shrinking, delinquency rising |
| 2018-12 | 4 | delinquency rising | leaning on borrowings |
| 2019-03 | 3 |  | loans>95% of shares |
| 2019-06 | 3 | assets shrinking, loans>95% of shares | delinquency 2x band, delinquency rising |
| 2019-09 | 4 | leaning on borrowings |  |
| 2019-12 | 3 |  | leaning on borrowings |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 5 | net worth falling, delinquency rising, loan book shrinking | loans>95% of shares, losing money |
| 2020-09 | 4 | delinquency 2x band, loans>95% of shares | assets shrinking, net worth falling, loan book shrinking |
| 2020-12 | 4 | margin squeeze | loans>95% of shares |
| 2021-03 | 6 | net worth falling, loan book shrinking |  |
| 2021-06 | 5 |  | loan book shrinking |
| 2021-09 | 3 |  | delinquency rising, net worth falling |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 5 | net worth falling, losing money, members leaving |  |
| 2022-06 | 3 |  | net worth falling, losing money |
| 2022-09 | 3 | loans>95% of shares | delinquency 2x band |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | net worth falling | loans>95% of shares |
| 2023-06 | 6 | delinquency 2x band, delinquency rising, assets shrinking, loans>95% of shares | net worth falling |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2023-12 | 3 | net worth falling | members leaving |
| 2024-03 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2024-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | delinquency 2x band, delinquency rising, loan book shrinking | loans>95% of shares, assets shrinking |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News &amp; World Report
- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-05-22 [Janice "Jan" M. Parish Obituary May 22, 2025 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiYkFVX3lxTE84TDZweHM5ZGVUc2dlMUlkZ1gtR055b3Q0cU9NWW1EUnlXc0JGOWxSbVo5V1k0Wl9FTjByaUdmeVp6aDY0Z3B4bi1FMEVMenMxblFSeDFXaGZtQTZuazMzbWx3?oc=5) · Downs Life Celebration Center
- 2017-03-26 [State Employees' Credit Union (SECU): Overview and Member Benefits - Investopedia](https://news.google.com/rss/articles/CBMif0FVX3lxTE55Y2FGeEFKampneGlKZHk1ZTltbjd1ZUU0VXBUNHRlTjdvU0lSLWZFRmlES1RrU3FjWTMtWHJHQzE0bWFvWUE2enFaM3U3OGhvQ01pakdhYTN3U2ZRR0NDaDZVOWFUSUsyQWI4cUR5NjI4bDRyZHJTVklxZ2JyQWM?oc=5) · Investopedia
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2016-05-28 [Glenn A. Parish Obituary May 28, 2016 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1YTk5EUlVvV3dLbmQxRnVLbDBUcFdIUklZVE56OVFQZXdxdk1xQ3hWcllheExKLTMxbVpZS2R5SHdGRWhmc0dIX2V2dkd0SjYwR1ZmVUlERmF5M1E?oc=5) · Downs Life Celebration Center
- 2004-09-29 [Robert Rodda Obituary (2004) - Flint, MI - Flint Journal - MLive.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNWUZrS0VqeGpsRndhWkoyMGFxTElnWXY0NWllZkpPOV90clluRmwyMjNIbThsWGtBUXF1VlgxT2RJNHBLV2dETkFncTNPOGhtREtSTFZMandlSlJTTXZfQXEzSG4wTlVXQ21kUnkxbXljdlVnaldGWFRhNVhDb1NRUmo1emRER1V5c0E?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66662 (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/38.json (key "66662", 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=66662
- 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.

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