# MT. ZION
zion, IL · NCUA charter 67024 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mt-zion-67024

Who the members are: state charter, organized 1987, low-income designated, minority depository institution. 163 members of 400 potential (40.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $435,144 |
| Members | 163 (-22.8% YoY) |
| Full-time staff | 0 |
| Net worth | $72,794 |
| Net worth ratio | 16.7% (p60 of band) |
| ROA (annualized) | 0.30% (p37 of band) |
| Total delinquency | 5.44% (p94 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 23% (p8 of band) |
| Cash / assets | 84.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.82% (p3 of band) |
| Operating expense / assets | 1.55% (p5 of band) |
| Vehicles % of loans | 43% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 12.58% (p99 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 | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,849 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $9,199 |
| Loans granted, annualized | $57,148 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2022-08-12 [Our Town Mt. Zion: Land of Lincoln Credit Union - WCIA.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOR0JXN2k2bGVTU2Q0TVZQMzNNVFQweE80bmdJZkdUaHBDVFRDNUs0aW5SY0pqRHRmUzJkaHBNaWRLSEZMM2lqcFBlUEhqWEdWQ1NtU19KdDY3UmtLanVaaTVtSGRTWEFDS3hpVUZad1VpM1EtbDhaRDB6YzRVYUxoQlJBU0PSAYoBQVVfeXFMTkNSZXpuWUVTaFdRR0pCTXVZbkJPaElRU1B4SlNoZ3NDcGd3SVk1RUxvU0ViTWNqaFZhRTVMZjllRzBNMVpkZmlxTWtjOWFrU3dTSlU0amRsTUFDYlBhdDJJeTBGN3N5UFdYMXlOY3M0TjNLWTRuTHYxTk1YdmE4RHpkRUVzT3VXdUtn?oc=5) · WCIA.com
- 2022-08-13 [CI Living Our Town Mt. Zion Land of Lincoln Credit Union - WCIA.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdm5iakRNM0FnZ3NreVBFemtOWnMxSnh3cS01SG8zeEdIYV80TFRVX194RVR4OGJRTUtad05jTzJvckpiV1VuRGlCMEYxdjdJbjRveXpkUnNyU3o2bmM3TGUxaTdKQnYtbkJsOUJ2NTk3SF8zM2k2M2tqTU16RjN0WU5qa0k0aG51WU4wemNBRVFvVy01eEE?oc=5) · WCIA.com
- 2026-07-04 [Nancy Barry Obituary - Chatham, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BRFFlWWF2bllLdEdRZTdfY2pYeWN0Tm96NmR2TFhlbXNUUjJVblA5b3Y4d0tyVWt1a1pQaGtKdjVHZUxSWEZDaklYN1NYUzFlMkNKWVpKTnVJTXBncUpHYmdDVTRaS2ZkOWlxekpCVnY1YmtwbjZfNDAwT2k0b3M?oc=5) · Dignity Memorial
- 2022-11-01 [Diana Pittman Obituary (2022) - Mount Zion, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQT3UxWlk0X0NDNF9ZQVQ5RmRTeVloNDhFZFVYOEVHOUwtMVd1emlIMUk3cEJQZlVDUFVzaUdXSnJncjNJS1dwU0J3UHlqckdBc3dXeDJhYV8waGlKU2hhdVUzWkpJYkIwczlMZ0JPRzdpaEhWTUhpVUVZa2g5S1laWHp5dEVocm1CYnQxMEpCRld6bXRL?oc=5) · Legacy obituary
- 2026-01-29 [Gloria Shields Obituary (1940 - 2026) - Mount Zion, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaTA5Q20xYmxkSWtLYzNoVDhXcEcxOXVEUXZsak82dkwtVjh4bGhmcVpOMktkS0V3U1Z3NmItMjVEN0xReHhyZHdGV0pwNGxTSDdaX3hXako3M0o1cF95Y2dFWkRzdmQyZ0hGOGdOUzJmbURaajlaTF9yR1J0WFJWME1VOUhwSDVJR19JZ1JPN1pDQWJsOXc?oc=5) · Legacy obituary
- 2024-04-06 [Jerry Camfield Obituary (1958 - 2024) - Mount Zion, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOb01hV1hzZ29VRnU1YTVOMkUzWnhmaXFDZWFSQTBjUUNCamx6NmFaSU5yQ3ZzbXdKRWg0czlOX2djSnRoRDFMTXhqMzRwQ3oyRkdQWHFDazZqM2dzblpUWWhJeFdzVVpYMlhpdTVyVFN4Mm5lMGVESXNLRnVZRF8ydW9TYU0teW1XdTM4Z1RZa25saGJmb2c?oc=5) · Legacy obituary
- 2022-06-09 [Betty Davidson Obituary (1925 - 2022) - Mount Zion, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcGdtOWs2WW94UHRYaFBBVkhEWGpmN1JfbHFUMzc2ajFqRm9nQXgwemFzdXFBUnRhWUNoZnlVcHJYaTRCN1VHbldYZy03elMydm5OdkFEblV3U196Rk5hSDlCTWdQZkQ1UmtYdnltZHJJUE5ZVU91d3FDNnNkRTZ1bDh2dnc4VnZqVFpBVExBeWpRNnVJNHc?oc=5) · Legacy obituary
- 2021-08-03 [Teri Gotts Obituary (1963 - 2021) - Decatur, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZzFObUI2OWllSmQ2V1lPUkxLZ29pcmRvaXFFNWs1MXFSOXNSV3k2aFZ6WTNqV3liclpGbU84aXVQV3U0R0R0RUNWVDRpdHV0MXFrTzdlcWdGaFVkckR3bEwyTHpOWnhMSWVQa1VnU1o5cG9XT2ZBSTY1MXRsLTZ0VnZCUndRdGxteEdxbE1fNVE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67024 (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/16.json (key "67024", 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=67024
- 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