# ENTERPRISE
Brookfield, WI · NCUA charter 66880 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/enterprise-66880

Who the members are: state charter, organized 1935, low-income designated. 2,815 members of 200,000 potential (1.4% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 1245.

**Verdict on the desk:** this could be *auto monoline*. 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 | $34.4M |
| Members | 2,815 (-17.7% YoY) |
| Full-time staff | 8 |
| Net worth | $3.6M |
| Net worth ratio | 10.6% (p23 of band) |
| ROA (annualized) | 0.86% (p58 of band) |
| Total delinquency | 0.17% (p27 of band) |
| Net charge-offs (annualized) | 0.15% (p48 of band) |
| Loans / shares | 57% (p42 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p52 of band) |
| Operating expense / assets | 3.57% (p53 of band) |
| Vehicles % of loans | 70% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 104% (p96 of band) |
| Vehicle delinquency | 0.24% (p40 of band) |
| Vehicle NCO | 0.45% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 8% |
| Average share balance | $5,847 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1245% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $527 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | 3rd-party paper>100% NW |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | members leaving, loan book shrinking |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 2 |  | loan book shrinking, delinquency rising |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 2 | thin capital, delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 | delinquency rising | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 4 | net worth falling, auto monoline |  |
| 2020-09 | 3 | margin squeeze | net worth falling, auto monoline |
| 2020-12 | 3 | auto monoline | delinquency rising |
| 2021-03 | 2 |  | auto monoline |
| 2021-06 | 3 | auto monoline |  |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | members leaving, 3rd-party paper>100% NW |  |
| 2022-09 | 6 | delinquency rising, assets shrinking |  |
| 2022-12 | 5 |  | thin capital |
| 2023-03 | 3 |  | delinquency rising, assets shrinking |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 3 | members leaving |  |

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

- 2026-06-18 [Fox Communities Credit Union announces Erin Miller as Assistant Vice President of Project Delivery - CUInsight](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNSVIzWURrenpHU0FxM0psM2NmTDFHZzVSakZnSXFTcnhPY2g5aDlhRllBQkxDYVA1LWRGMGdxZkdSRm5SeDI4czJoWmNsWnlmMXhWSlRSSi14Y1VmSDA2bTVlV2tjWXdrZHFWT3B0TmtUdTZJX19pbGd0MHdsRlUzTnNGbVlhR05ITU5tU0s1UmFsMjUycU9TcjAxMHAyTDZQNzhwTDNtY1VpcFZhb1pORVRITkdIT0ktOVpLRXl6RWhTZFJSSnNzRE9OY05kQ0d3N2pwcThB?oc=5) · CUInsight
- 2026-09-01 [Best Credit Unions of 2026 - Forbes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBOaDBEWE9fLUJGRTZsVUVkSUpuS2hYVDFJdTVveUd3Z1YyY043ZXVuQWQwbXpTUlh0Q2FIZUxfTnFzNWUwSlpuS2Vrby16ZXIzNmdtbVdmRVdwQlVkZ01JUkZmN2tFQ1E3Y3c?oc=5) · Forbes
- 2026-03-24 [Universities of Wisconsin, UW Credit Union launch seven free online courses on AI - University of Wisconsin–Oshkosh](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOSHZLMXhEbW54bmJBNGF2LVRGRUtXNGpRSGNvV0lxSUlzUC1TWUdCQkJEQlBkTmZhT2ZMelMzR3ZiQUM1UnEtc2kxUnRaYTZOb1N3Q20tMUVETlZjN3dZMXB1NjloNGVCdW8yNmVEV2NkdzlXSVNVUmh2b2VOX3NMTXgzbnJUTjZZVkplYzBWVW4xSjhQZENJNjNzT0IzanA5bW5CT2JsMmFDYVZYZTBlQkVKNTc5YXNoR01abmZvTmJxTHZYeXF5alhEb18xYm9rVENN?oc=5) · University of Wisconsin–Oshkosh
- 2026-03-12 [War in Middle East may press pause on bank deal boom - LinkedIn](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOG44VzMzSV9tamp4aGFZeUZyX1E4MDFFcFg0NHZYU09ZeEdRQ25KSXN0bHQyOW5oRmswc0hGZy1BZkZZa2piblM1bUNhNzBpSUYxWW9MbFEyQmVhejN6bllWbXZ5Z291a0FWcGh4aG1Pdmp6V3FDT2NpN3VfdXdaOE9NS1hEVkttTU9KazNVZm9CejRZWXlaTVdJOWN4Q200?oc=5) · LinkedIn
- 2026-07-01 [It’s official: UCD now in the Mountain West - davisenterprise.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPbGlIVVBobjREYkZZd01lOTZLRFR4WTVVRVZ0MS1OYkdQcjJ1WlVqMHNsWEJ3TVRwSjFiUDExRHQtRXY3WmdjdU5HcEFRallHSVVhNTc4bkRodm1pc2VkeEVOa1htNVNoTWRKSkN0dUZ0bExBUWFHYmtiZFhob2VjY2s3eW10OUJ0UWtYTEM0SVNyMWlCUHJHQ2I0TFJsMUJRcHZ4Mk5CQzItMU44S2pmMjVoMklxQkpIdzh1RDhhbVcxNzIyRHVXSlBuWQ?oc=5) · davisenterprise.com
- 2025-03-17 [Notable Credit Union Leaders: Jeff Bashaw - biztimes.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1SSC1pLVRxbFJ6RndZaHZxOWQwX3VQTVM0a0xPb19EejlIOXExR2RnODhVbFVQZGZ5RkRpNmItaU5SVXNtYUhESU5wR2RRTUpDUzRDVG85VEwyOVJLQjFDeGFuZ3IyUGlPcHhoMDZPdw?oc=5) · biztimes.com
- 2024-06-09 [Name Dropping | Bay Federal Credit Union promotes two - Santa Cruz Sentinel](https://news.google.com/rss/articles/CBMingFBVV95cUxNMlFIT29TREpuZ0o1Nm1vSHNaS2tPcVY5ZFl3QVBhd0xuanF1cFF5YkVBYTlLV0hHNzVYcGI0ZmU3N2dmSi0yQkhWT284ZVhmWnI0QlpJUzNCTTQ2TVZrUHliVVVoZk1SRWtnZnMta3diUzZHRjhBVXpaT0lxZ1k2b1RQN0tZbDdtc0xjQ015blBoQ3NZYWRMVWNSYXhWQQ?oc=5) · Santa Cruz Sentinel
- 2022-08-29 [Abound named credit union of the year - The News-Enterprise](https://news.google.com/rss/articles/CBMizAFBVV95cUxOQTBTTk52U1lPaVJ3QnhBV1hvaHpwTGVCQl9VRGtQYVVwU0xSMG9vYUU4MTg2YUxRZV9zWEZVUkRVM0NyOVkwcERYT2lLSWp6TTJvZHU1S1hXNGo1WXg4WjFad1d4TzYxOUFXS0dRS3QwanUtYk9lM2V6MWJFSkRHNmwzYTFSQkxwZXlEWWZzS2M0a0wtdnFLa1JON3dRclV5UTJORjZRVWxISk1aZjBmazFEOUJuMlJZNTJ5dFJlc2VvM3RJOHFySkJBMVI?oc=5) · The News-Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66880 (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/0.json (key "66880", 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=66880
- 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