# COMMUNITY FINANCIAL
PLYMOUTH, MI · NCUA charter 68631 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-financial-68631

Who the members are: state charter, organized 1951, low-income designated. 86,442 members of 10,140,459 potential (0.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.48B |
| Members | 86,442 (2.9% YoY) |
| Full-time staff | 325 |
| Net worth | $148.8M |
| Net worth ratio | 10.1% (p35 of band) |
| ROA (annualized) | -0.05% (p3 of band) |
| Total delinquency | 0.73% (p63 of band) |
| Net charge-offs (annualized) | 0.78% (p75 of band) |
| Loans / shares | 94% (p76 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 0.68% |
| Net interest margin | 3.76% (p80 of band) |
| Operating expense / assets | 4.45% (p96 of band) |
| Vehicles % of loans | 20% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 70% (p31 of band) |
| Vehicle delinquency | 1.39% (p88 of band) |
| Vehicle NCO | 2.43% (p91 of band) |
| Repossessed % of vehicle book | 0.93% (p99 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 143% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 26% |
| Average share balance | $6,196 |
| Participations bought / yr | $8.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $104.8M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $27,281 |
| Loans granted, annualized | $202.3M |

## Participation posture (from the same filings)

Bought $8.5M and sold $0 in the latest annualized quarter; $104.8M outstanding purchased (70.4% of net worth), $18.9M sold and retained. Sold in 7 and bought in 2 of the last 8 quarters. Shares -5.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | delinquency 2x band |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 4 | net worth falling | leaning on borrowings |
| 2020-09 | 2 |  | losing money, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense trap |  |
| 2021-06 | 2 |  | expense trap |
| 2021-09 | 3 | expense trap |  |
| 2021-12 | 2 |  | expense trap |
| 2022-03 | 3 | expense trap |  |
| 2022-06 | 3 | net worth falling | expense trap |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 6 | delinquency rising, members leaving |  |
| 2023-03 | 4 | expense trap | leaning on borrowings, delinquency rising, members leaving |
| 2023-06 | 4 | leaning on borrowings | expense trap |
| 2023-09 | 6 | expense trap, members leaving |  |
| 2023-12 | 4 |  | net worth falling, members leaving |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | leaning on borrowings |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 4 | delinquency rising | losing money, assets shrinking |
| 2025-03 | 5 | assets shrinking |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 3 |  | 3rd-party paper>100% NW |
| 2026-03 | 5 | net worth falling, losing money, repo signal | loans>95% of shares |

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

- 2026-07-28 [Cornerstone Community Financial Credit Union appoints Denise Miller as chief financial officer to support continued growth - CUInsight](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOTldTaHBqR2JoNkNSbl95YkYtanYtMEFDRUtwS0J0T3F4R04tZG9BajRKUmpuS0Y2ZkZJc0JxQWhhMkRCWmZlRDFmYlJXcW41VHptSmZvR0RrRHVyT1dnRXdsRmR5a01TbEUyUGV0Ymt4eVV0Z1dZX0Y4MjVLVWM4MzBacHNtU0piU1k4OER1YzVZOS00TmtzNElaNU9fZG1oeWtoQkpTR0Z6aGhuVnZRZmgyLWRqWC1vRTVqTUZPU0V0OG9icDlRUnJXMHBvV3NuVThyX2gyMW1ZUmpQMVRrelA0MGNKSFdJaU1ZNFFFUkxNaHlyLUE?oc=5) · CUInsight
- 2026-01-27 [Another metro Detroit credit union is changing its name - Crain's Detroit](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPM05SWUtUdE9zbU16QnR1SlJJbmk2UUk4WWhST2RMX0dKb0JwV21tbVJpZlM2SFBVbjhfWUEzekxocHczZVkybVRMS3FjZGtfaWRraldMMjFaMHU5YU0xaUtwaWtsbXdMbTUzUzdvSHNTM1BqR0RtNjhxSjNJQ19JMzBWb3NzeDYyRi05YVZkcnRyZU5IbFowVnVodExaeEh4YjdTMXU2Y2tnZw?oc=5) · Crain's Detroit
- 2026-02-02 [Michigan’s Community Financial CU Adopts New ‘Orsa’ Name After 75 Years - cutoday.info](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPV1NIYXRTU2UwS0hwaW1JYTBDbUJ1ZC1MQkxLMFUteUs3aEI4TFZUWWdMU3ZWZkVqdzdPY2JXSWpKa1JkR0kxajFUaUJCUHFYbEdFeXR1VnRBbVVxbGREZXFkM0RieHRKTWc4YVVsWnRjTEJ5bkotNEhwalh1cnVXUVdRMkxzYzU3ODVSNldkczRLLWd1SldiaEZ2Qk5zaWtBeU1tV0RZUERXdw?oc=5) · cutoday.info
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-03-02 [Charting the next chapter: Orsa Credit Union names Shawn Wolbert chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxOcjFVNkEwbjUxRDlXUkhWdUpyRjN3cFFvZGdiaFVsVkVlQktsWTREOGdqZE5KakhmUFIyNjJwN1FXZkU0Q2EwNnhST3haYVpMR0lGdkZCQVZvVHAtaXJ0TTRJTEFEZTZtaXFmQm5SSTVGTmhoQmFINWE2SkxKOG8zeXhfSlFOWlB4WS1PckxVR1g4SWRRWGlSZ3pwT1lwbFRwUFltcUotYWRpRndGdHcwQWFBZllrcm5paFM3X2R2QzE2SHQ5d2ww?oc=5) · CUInsight
- 2026-01-28 [Plymouth-Canton Community Schools and orsa credit union to launch hub focused on workforce readiness - clickondetroit.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPUUVYcHRJUmY1VndUVlVlQ2VobnpYQjc5eHlXLVEzbi0tMXVKaUxDSktJTG81Q01Mc0c5dExFR0I5S05Eem85ZnVHVnR1NTR3SEZYenVjc09tLTdhclVQODZkY1NoYVNHTEpOdXdhRnN1YU1EWXo2Sm9NVkJjUVA1UkNfNUVmdUxuUGZPQm5vUGVsb3JCc2ZoM2ZpYkp6ZExvc3V4ZWR3cUhZQ2d1aWtwY1ZWdmxtaHptY1ladVJpUVFSNnVncmdEcDFOSS1ZWTdTckFZdlVURk41MnkxRjQ2WldjbEtOOTk3X1E?oc=5) · clickondetroit.com
- 2026-07-29 [Auburn Hills National Night Out is Aug 11 - Oakland County Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWXpMQTRtS1QxbVVhNkhuTTR6WF91Qy1zZXZfcm1MYzM5Tjl2MXNwTlA4QmxUQVVVVDdBQThITDRfRmpzQ0ZxRHFBeUFnUTlHbURsczkzLU8xUFFDX1hFSExLTXBJWkE0elJpMXk0bXRka2ZWaWx5dk1ZcVpwWjJJTVRpQTQwRDFIYXc?oc=5) · Oakland County Times
- 2025-07-01 [Rooted in People, Driven by Purpose: Community Financial Credit Union Earns Dual Recognition for Impact and Innovation - Detroit Regional Chamber](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQWjM5b0dVT25OMDk1NkFPVTBxVGd3V2stRVFqdjFDeDZTaXpZNncxYnJQNkowa2g3YkZZbjJGNkRrS19NaGdudVo1UDMxRUdPRGdsQ1kyVlpjVExlQUlHbTQzc3hOSWZ4YVNnSE1mdks2WWdEcjhpLUNWWjFTVHBRUW1ZOTQ4ZnlveEVZUW9wMjdrTzRCcEw4UVl6OTVFckQwRDNTU1oyQXhaNlRqU25HMkFqMHRCV0xHQWxjZWMzS1FXcWx4TzhIUmhOOERmVjlhUzNXUDNHZDBEaG5XeXduM0Nn?oc=5) · Detroit Regional Chamber

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68631 (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/23.json (key "68631", 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=68631
- 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