# CONSUMERS
lake Forest, IL · NCUA charter 68588 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumers-68588

Who the members are: state charter, organized 1930. 282,016 members of 3,339,019 potential (8.4% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $4.57B |
| Members | 282,016 (6.2% YoY) |
| Full-time staff | 591 |
| Net worth | $391.0M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.23% (p11 of band) |
| Total delinquency | 0.91% (p76 of band) |
| Net charge-offs (annualized) | 0.93% (p82 of band) |
| Loans / shares | 85% (p46 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 11.07% |
| Net interest margin | 3.23% (p44 of band) |
| Operating expense / assets | 3.04% (p40 of band) |
| Vehicles % of loans | 52% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 288% (p83 of band) |
| Vehicle delinquency | 0.92% (p74 of band) |
| Vehicle NCO | 1.60% (p76 of band) |
| Repossessed % of vehicle book | 0.09% (p55 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 87% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 34% |
| Average share balance | $7,293 |
| Participations bought / yr | $40.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $56.5M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,114 |
| Loans granted, annualized | $993.5M |

## Participation posture (from the same filings)

Bought $40.0M and sold $0 in the latest annualized quarter; $56.5M outstanding purchased (14.4% of net worth), $19.3M sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 4.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, expense trap |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 | 3rd-party paper>100% NW | expense trap |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | net worth falling, expense trap, delinquency rising |  |
| 2017-06 | 3 |  | net worth falling, delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | expense trap |
| 2018-03 | 3 | expense trap |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 3 | leaning on borrowings |  |
| 2019-03 | 5 | thin capital, net worth falling |  |
| 2019-06 | 3 |  | thin capital, net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | thin capital, net worth falling |  |
| 2020-06 | 3 | margin squeeze | expense trap, thin capital, net worth falling |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | thin capital |  |
| 2021-03 | 4 | net worth falling | leaning on borrowings |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 3 |  | thin capital |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 5 | thin capital, net worth falling, leaning on borrowings |  |
| 2023-06 | 3 |  | thin capital, net worth falling |
| 2023-09 | 4 | thin capital |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 6 | charge-offs p90 |  |
| 2024-06 | 4 |  | thin capital, net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2025-03 | 4 | thin capital, net worth falling |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-06-02 [Consumers Credit Union review (2026): A credit union anyone can join with just $5 - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxNU0NacEFmNGdNbWRGV2E2WFlIeUg3Mld5OTE5ekM2Ty15V2FnODdFQVFONTJ6V3VobjRBTWhiQkdSeDdPeWh2dnAxZmRFanZPcnF0ZThpTjNVcHBkeXc3aDVVRGg0SmJNZENYY3lqUFpmQll4X1J1YTlwTWl6dFpiUVF1NjNENmJ6cHRFY2Y0ZFVqNER4OU9xX09oR1BMWlVaQ2JtQQ?oc=5) · Yahoo Finance
- 2026-08-01 [Consumers Credit Union Now Accepting Applications for Its Volunteer Board of Directors - WBOC TV](https://news.google.com/rss/articles/CBMilwJBVV95cUxQWTMzclpMa3dRUWY4NFpWRGJHbGppWWxuLWpNSllMQklLbDBXX3pydFZKV09pckMtbnQ1SW9qS2FRWENaZ2ZTY1JIWHlQUE1OTnpfUjVyaVVLYlJQNThLTFFENFNGVDJoa1ZKOWhseFlfZkRGUGZzcHozRHRuNFNiNTJlYnBEdjlTaTNUdzltVmJ6ZWtfanFVdmg3UUdUNXJ2TllMblV4LTktSHJxMzdzS0hhN2phUkR2UDFXUkRLcXM2NVE2ZHA4cjMybTF6ZmNrWGozdWwyT24weXUxMzIwYVZZUGZPZGl6Y2M2VHdKZFlMZHVJMXRDWTBiWS1SRl9yOWY5dVRMNDNmRS1VVUFsYmI0ZHZqcXM?oc=5) · WBOC TV
- 2026-08-27 [Consumers Credit Union Named to Fortune Best Medium Workplaces List for Second Year in a Row - The National Law Review](https://news.google.com/rss/articles/CBMitwFBVV95cUxObmk0bXJGcWNRMjlaeGR6ZU9BNGJhM0JiSEdKbER6UEpDNTZGYTNGZVBNZXJrT29iZzNHWUpIMDFEY2x1NlVXSUg0bVNyZjM3UXBBWlBfZXpxTlN2c1lyOEdaVWdDRENpSUp5RUVFakdNZFlxVWpzV2k5TTFlRzEwb2Q1NmMyR3dyMDRWUmlxZXQ1TTU0bkZtQzNSZzdGQUJqRW5sSkFwejYxOW1CRXl5TWo4ZEFWTTQ?oc=5) · The National Law Review
- 2024-02-20 [Consumers Credit Union to accept Property Tax Collection - Lake County, IL (.gov)](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9JREY1TmhrVGhXQ0dzTlZCQUo2a1hOY2VzUlpEeEJYR1FvWDNKMGRUX2s3MF92cDhuZnRma3g0UW1IQ2wyZFB1SUo1NGZ6SzJfLUZnUjZ1UWQtQ1JuNWxCVzhhZzFySFU?oc=5) · Lake County, IL (.gov)
- 2025-12-09 [Consumers Credit Union Review | Checking with High APY - The College Investor](https://news.google.com/rss/articles/CBMidkFVX3lxTFBVTWVCQ0YxNm4waWxFUkZtSFZsT1dLUmp0SmxKWVJ6WkwtRHBkSVRiLVBSZzlycUlCbWVTVGl0S0JnV2FyZVQ3bG4tZHRiUGhfeDNqejUwRXNMRnZlMGRONkhuM3RfenptM2c4QlNDNjNfdXJvbEE?oc=5) · The College Investor
- 2026-02-11 [In a blow to the banks, pioneering swipe fee law survives first legal challenge - Capitol News Illinois](https://news.google.com/rss/articles/CBMivAFBVV95cUxPT0FvTmszR00wZ3NSWUJMNmxJM3UwLTB1Y2FBWTJ6cGxyaEdNUTJWRlNFaXU5ZEI3VTI1d0lsTHZubWgwT3hnRFlVRmlZUGczOGlpY2E2SWdvUlF0ajBVYmluR09PM0JZa25HZmIyWnFwaEN4TjA2OFN4MDJfOXhaQng0elpMcDBsQ3hUZ3N6OVRqbG84SjBEbVZjZk9qUEdCbnVRUmdwQkxCQTlFb0h2QkxTOFBzX3VCR19IcA?oc=5) · Capitol News Illinois
- 2022-07-28 [Consumers Credit Union Welcomes New CEO and Several Other Executive-Level Appointments - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxON0FOOGJxSkl0M0JyUVZzV0wwbWZuZ1JEdm53Ri1WaFkzQnhFYnIwQ2xGMWxLNkk1MkctanQtbFJFMGhJWXpUeEVVeU5zZkNBdmNMSm5IdG5FQ0ZlaE8tZmRhc1kxVHlpNGYxenp2V1llajJIRWw4a2llTTR0ek1Vb0NiOUNpS3R0NlppZVNKWXlRVUhUR2VhRkRJZWptZ0t0YUdrWkZDMmhqMDEzbGg3cW5KNDBlZk5aRWxmcGFUay1lMHVINnc?oc=5) · CUInsight
- 2025-12-30 [Suspect accused of punching elderly man in face when he tried intervening in robbery at Waukegan bank - Lake and McHenry County Scanner](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNY21fdVd6dFVIaTNBYlNTN0ZvZm9ITEN0ZTcwWTE2cHR5eFJtNkc2cGNPc1k4UWxIdktSUS00bC1Va0ZzSENnbnRPbnI2UVQwamtmNEpzbGVyakdnUG5qa1FSWkFlQmRqOVRkLU93YWFYa0x6OG5PekZvLXVwazVkRG9Ud0QwbmF5WU1scEpsRGxQcWlSVUZaajlESUstRG1IbGVzcDlpLVM3UkR5d3dOdURpYTc3enowYXcwcUo3X0lTTTQweDY1alRxMFlKeldkZ1g3THh1S1U3OUdLOEV4bHNB?oc=5) · Lake and McHenry County Scanner

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68588 (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/44.json (key "68588", 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=68588
- 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