# IAA
Bloomington, IL · NCUA charter 68423 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/iaa-68423

Who the members are: state charter, organized 1951. 18,165 members of 365,406 potential (5.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $414.2M |
| Members | 18,165 (2.3% YoY) |
| Full-time staff | 47 |
| Net worth | $57.2M |
| Net worth ratio | 13.8% (p80 of band) |
| ROA (annualized) | 1.12% (p77 of band) |
| Total delinquency | 0.43% (p34 of band) |
| Net charge-offs (annualized) | 0.13% (p19 of band) |
| Loans / shares | 68% (p35 of band) |
| Cash / assets | 16.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p17 of band) |
| Operating expense / assets | 2.27% (p7 of band) |
| Vehicles % of loans | 22% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.56% (p50 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 33% |
| Average share balance | $8,108 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,804 |
| Loans granted, annualized | $61.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2025-10-22 [Historical marker commemorates 100 years of COUNTRY Financial - FarmWeekNow](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQY19TeW1hbmlhb0xMNWxpLXdGTzBxTDBTcmt1elAxQ29wQk1EX3J3OW5BaEozTmhieTBYSnNhbUpCXzVoZzhQdWVwZ0ViSmFyM0w3MllOSFQyOHEteXFPeGJ4NlhDZFN5aHVuRFZyQ0dVS1FzczI1WEhacHpOaUxEeUs4MGNmaGphUXlyNENqMFJnU2h6VmxzcFRQZFdfejRDR0dMT0VmVF9tenZIRUNZU05RN0N2TklyZVJRcUprUWZGSjRaSUVaa3MyM250N1FNdWhudFBkWDc3V2xSMlhNYg?oc=5) · FarmWeekNow
- 2026-01-16 [Obituary information for Mary K. Watson - Kibler-Brady-Ruestman Memorial Home](https://news.google.com/rss/articles/CBMif0FVX3lxTE9uSXlRSVprSkpyRWxiWERaWnozNWh3Q0k0MG1vYlAtNURGSTNTaGpWWC1ra0hfc0Mtb1lDQnduYklRLXQ0VFdmaHFuOHFZWDBUOERpYWdUNVhIbmlDLXhlTW5oRjJlSVNENWpJcGQ1U1BHeW5EekRXSUVySWJQLUE?oc=5) · Kibler-Brady-Ruestman Memorial Home
- 2022-10-21 [William McDaniel Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUmE0bzhrWjBNRTJRRnk4X3dhejBtd1kxZVNFMFN1MHhGNnluZGpzZWVpclo0b0ZEOXgwUW5CLWRnRkFrdVI4QVdPZzIwOWhiUWtxTVhwTnNsb0lxcWNQQmk4b2lTcUZidHJ0YnNHeTN1dUptY3FJSVhDLVk1T1VuUFV6T3dLYmlwOW9z?oc=5) · Dignity Memorial
- 2026-04-06 [Illinois FFA Names 2025-2026 Top 10 Section Presidents - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcllTVngwWGNLY011VmpXM2lyeHlxbFBMZXB5YXc2SGFGVFVXZENqY1ZxVjlOaWNBUk00VDM2MDdFNTZuNHpPV3hXMk5reTZTZGp3bU1jMUdjQzA2VWNFb3lPOG1LXzNVRDNjQklfY3NUSHF2cG0tb1JXRlVGMUJKLUdmM0wyMVRBWFJN?oc=5) · Radio Monmouth, IL
- 2022-07-22 [Michael Dicken Obituary (1975 - 2022) - Bloomington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbjFZWHQyVmVjdG9qeUhrRFB4bTlpOVBDM0JOMWRoYkFvX2hvVnV5ZUtMLVVkNTk0N0FnbzFaZWE1T2NuWmNLZzE5bUhoZm1SYUdOX1U2bF9xT3dBZXBtbXBrckQ1YS1kMVM2MXU3YVA1aGpzTnFRTlBSYzlSR1Vzb3FMT2UyX0g0ZTlhQ0ppWWNOdw?oc=5) · legacy.com
- 2020-01-16 [Obituary information for Michael Nafziger - Kibler-Brady-Ruestman Memorial Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxNalpWbnVUZzVUV3l0YkdraHFCTE9HZ1lNckZqNjg0OFRVTlhjQXVHUnZ6UkRJSVE1cW9UMFdjb3puMV92ZUpIUUZzWi1vTXlKSXpJUnV5RGVQMzNtWFJsN2ZBTG1kdEFIbUlGYm84ckZydGVTaVI5azduT2U1Qm93ZmFhRQ?oc=5) · Kibler-Brady-Ruestman Memorial Home
- 2024-02-13 [Terri McDaniel Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWElLTC1ZMGVqZWVoR1JMbDUxQkFRM3RLeXVWY292UzE3cU1YVFpIWm9TWEhNT2RaeHhROWNoZlRQb3F2bkdBWlVGUmxZSjNRRmRpcTA4ZjY2SDg5UU9mQi1Zb29EWTduc1JGQnlVallnalZ1dmZJekJLUzZtZGRmOVZkQTgwODgy?oc=5) · Dignity Memorial
- 2022-11-15 [Patricia Boyd Obituary (1939 - 2022) - Bloomington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPX2VVTmVYMC1XMERZY0EwNUhqZGhYUmw3RDNpamJKNGE0ZVVEODJYQ192S3BtSTdrZndWYXliMnF5cm5yTHlzcnBKa1FpNzBfc0FfbWFfbFF0bTJVNm1wamJ2NHdsd1RUWTZWRDc0UTZrV3ZkWTQwUlFudmZXbjE4OURzT2lHLV9YQVhCYmVZNUg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68423 (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/7.json (key "68423", 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=68423
- 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