# ALLEN HOSPITAL PERSONNEL
Waterloo, IA · NCUA charter 67831 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allen-hospital-personnel-67831

Who the members are: state charter, organized 1961, low-income designated. 843 members of 2,500 potential (33.7% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 34.

**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 | $5.8M |
| Members | 843 (-35.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.1M |
| Net worth ratio | 19.1% (p71 of band) |
| ROA (annualized) | 0.86% (p64 of band) |
| Total delinquency | 2.54% (p83 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 68% (p65 of band) |
| Cash / assets | 42.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.10% (p88 of band) |
| Operating expense / assets | 4.78% (p75 of band) |
| Vehicles % of loans | 90% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.02% (p79 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 | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $3,211 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,239 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 | losing money | delinquency 2x band |
| 2017-06 | 5 | expense trap, delinquency rising, loans>95% of shares | net worth falling |
| 2017-09 | 4 |  | delinquency rising |
| 2017-12 | 5 | assets shrinking |  |
| 2018-03 | 3 | charge-offs p90 | expense trap, loans>95% of shares, assets shrinking |
| 2018-06 | 5 | net worth falling, delinquency 2x band |  |
| 2018-09 | 5 | delinquency rising, loans>95% of shares | charge-offs p90, net worth falling |
| 2018-12 | 5 | charge-offs p90 | delinquency 2x band |
| 2019-03 | 4 | assets shrinking | delinquency rising, charge-offs p90 |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | losing money, loans>95% of shares |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 5 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2020-06 | 7 | margin squeeze, members leaving, loan book shrinking | delinquency 2x band |
| 2020-09 | 7 | delinquency 2x band | loan book shrinking |
| 2020-12 | 8 | loan book shrinking |  |
| 2021-03 | 5 |  | losing money, delinquency rising, members leaving |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 | members leaving | net worth falling, margin squeeze |
| 2022-03 | 3 | losing money | delinquency 2x band, loan book shrinking |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | assets shrinking |
| 2023-06 | 4 | delinquency 2x band, delinquency rising, assets shrinking | members leaving |
| 2023-09 | 4 | members leaving | assets shrinking |
| 2023-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 6 | expense trap, assets shrinking |  |
| 2025-03 | 6 | losing money | assets shrinking |
| 2025-06 | 6 |  |  |
| 2025-09 | 3 |  | delinquency rising, expense trap, losing money |
| 2025-12 | 3 | margin squeeze | delinquency 2x band |
| 2026-03 | 3 | delinquency 2x band | margin squeeze |

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

- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67831 (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/55.json (key "67831", 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=67831
- 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