# ILLIANA FINANCIAL
Calumet City, IL · NCUA charter 68425 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/illiana-financial-68425

Who the members are: state charter, organized 1936, low-income designated. 20,906 members of 50,000 potential (41.8% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $262.7M |
| Members | 20,906 (-1.7% YoY) |
| Full-time staff | 56 |
| Net worth | $45.5M |
| Net worth ratio | 17.3% (p96 of band) |
| ROA (annualized) | 0.15% (p13 of band) |
| Total delinquency | 1.73% (p95 of band) |
| Net charge-offs (annualized) | 0.68% (p76 of band) |
| Loans / shares | 51% (p9 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p45 of band) |
| Operating expense / assets | 4.33% (p77 of band) |
| Vehicles % of loans | 38% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 33% (p36 of band) |
| Vehicle delinquency | 1.96% (p93 of band) |
| Vehicle NCO | 0.93% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 21% |
| Average share balance | $5,717 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.0M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $10,637 |
| Loans granted, annualized | $30.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.0M outstanding purchased (17.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | charge-offs p90 | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | assets shrinking | delinquency 2x band |
| 2018-09 | 2 | delinquency 2x band | assets shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 3 | losing money, delinquency 2x band |  |
| 2020-06 | 6 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 5 |  | delinquency rising |
| 2020-12 | 3 |  | losing money, delinquency 2x band |
| 2021-03 | 5 | losing money, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze, losing money |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | members leaving | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | delinquency rising, assets shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 | losing money | members leaving, delinquency rising |
| 2024-06 | 2 | members leaving | assets shrinking, losing money |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 2 |  | members leaving |
| 2025-09 | 3 | members leaving |  |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 1 |  | charge-offs p90 |

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

- 2025-08-05 [InvestiFi Brings Digital Investing to Illiana Financial - Finovate](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdzByUlhWY1phZzZ3ZnE1R05FMm5pNFlRbURMYXl4Ti1pU01lY2VSRDlXeDd1UUhBblVuXzJsNVhtUVhQQ2lBR3ZVWEhmcDZlb3RtQVlCSDR0Y2ppMEpOMGxRSjFCRzhtMVdKQXkwQnlQaWxVLW1OcDRBZGx5bTctTTFTSQ?oc=5) · Finovate
- 2022-03-24 [No Social Security number? No problem: ITIN loans fill a gap. - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRzN5X3h2RzJBZ3p4YVRMNVBqb0phRHhiXzBISzBNaERNVXBuT2pBTkZNWUlKckVWUkdMQm9kbTBPeU1EcENkQ09mUGlfZFVLZHR4U05GbkFEUFNVWUlza19pRG5jM2FQV3JnSmpGMXIxdWloTFdpN0QxRWlXYm9yQUZyNTdsUTM1ZzdrZUtyVm1oZWQzeE1EVTMtU1RwZ2hnaEszaU5jTzVJV0k?oc=5) · American Banker
- 2024-06-19 [Mid-America Arranges Sale of 108,412-Square-Foot Iroquois Center in Metro Chicago - Shopping Center Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxPVGlVTGNRdXRzM1N3N1o5NjBkbzBMUmtfRWJuZTFQbU5RNmRYRGFkWFU2WUk3TlBsQUJpTlNsWG4tc3hXQ3BUUGx1Y0I2aWtuNENCNkZoUGJqOWxfTEJZRjFrcWlscWZCZHZBXzYxUVNhakxVQV90Z1QtdzNpRjYxRUFJbVRBZHB1Vk1nME1xUnl2QUR0N2hQWEY3WVhkSTdQOV9LazFlNmFDWHNNUVF4S3pqX2k3dlE?oc=5) · Shopping Center Business
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68425 (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/9.json (key "68425", 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=68425
- 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