# CRANE
ODON, IN · NCUA charter 68672 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/crane-68672

Who the members are: state charter, organized 1955, low-income designated. 67,762 members of 2,294,117 potential (3.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.19B |
| Members | 67,762 (-0.8% YoY) |
| Full-time staff | 192 |
| Net worth | $151.0M |
| Net worth ratio | 12.7% (p79 of band) |
| ROA (annualized) | 1.46% (p93 of band) |
| Total delinquency | 1.15% (p86 of band) |
| Net charge-offs (annualized) | 0.19% (p14 of band) |
| Loans / shares | 84% (p42 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 4.89% |
| Net interest margin | 3.68% (p75 of band) |
| Operating expense / assets | 2.75% (p26 of band) |
| Vehicles % of loans | 21% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 73% (p32 of band) |
| Vehicle delinquency | 0.43% (p31 of band) |
| Vehicle NCO | 0.53% (p20 of band) |
| Repossessed % of vehicle book | 0.18% (p79 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 175% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 31% |
| Average share balance | $7,227 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $26,798 |
| Loans granted, annualized | $311.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (0.8% of net worth), $1.3M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 3 | net worth falling, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | leaning on borrowings |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency rising, leaning on borrowings |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | loans>95% of shares |  |
| 2019-03 | 3 | net worth falling | loans>95% of shares |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | leaning on borrowings |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising | 3rd-party paper>100% NW |
| 2025-09 | 2 |  | delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | leaning on borrowings |

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

- 2026-03-17 [Desert Rivers Credit Union breaks ground on new Moab headquarters - Moab Sun News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWFluMHcyY3VFampOVTVtcjJ5eTRGR0tjYzYxT0dObnJWbGZGUUF5bm51U3ZBY0E4Q0JNTm1LYUZpNmJBUFp3VmdlMmdRdDZJNkVENC1VTUp0aEdLbXdtUm10THdIdkJpckQwX21EUjFjNFE0eURiekx1d251amcxOUZYWDEyYllUMS1NVl9hQnJWQ1VyX05STTBEQXpGeGQ3dXRn?oc=5) · Moab Sun News
- 2020-06-11 [Crane Credit Union to buy Indiana bank - americanbanker.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB1RzBlQzYwVlVhWS1iMDZCU09qTEVmMmtGczR3czEzTXgtZVlVMWMtZllEbUFwRUZ0ZUxBd2xKbmNnZ0hEQmpnOUhELVhiVkdMSno2ajhXMVNFbjk3a3E2WDMwTUlkdmJhRjhoemxWWUQ1YUp1eEVGV09VSzl2dGc?oc=5) · americanbanker.com
- 2026-08-11 ['We won't tolerate it' | Florida man sentenced after committing fraud in central Indiana in November 2024 - WTHR](https://news.google.com/rss/articles/CBMiowJBVV95cUxNVUk3cnNvSTlVclVJYmM3eEVMbWNsWkxYWFU1aGg1TmYybmN2M1p6RDdybHpkSDVZRHpaRkpvTHlTczhfSC1qUEFTRTNScDBHcXZDMDdrMHpzcTNINElsbVNlaGM1MTZadDM0TF9yWTRLR25heXplbEcyTC01WVBxZkc2RFpXVHZSaWRDdHRyMFBPT19ENkNaWGxkQnR1VU1UMW9BMmZuWTFlamJSWnQ3SjdhejJMdzY1SFFxZi00akZjNThzdnhpQU01eGhhWmZTTzBJUThadHR1Q0x3LTFuZF9hVERqTjJJWXU1RXBGWHpJLVhVajMyXy0xMDRweFZqcHYzR1hBRk9pV3czV2k3U0Vpa1JOVWN4TDNxSks4S2I4b2M?oc=5) · WTHR
- 2025-11-04 [Florida man charged with defrauding Johnson County credit union branches - dailyjournal.net](https://news.google.com/rss/articles/CBMirgFBVV95cUxOVzJwNHVuTGRYS1VHLWFZYVBwM2lTYjIya3l1SnNDRVNQcWNZUG9hWEpKSlpXeEpQMGZyWWE3dnJGdkhLYURob0t1XzRadmplSEhPbWREX0VSejhWMjJLNFVrd1l6SHlMV05HSUFLTk52WlpTeEVTX1NYV2poYzBSY2VWTlJQaWQ0bGlEMENUMlc3R1lWRXpYN1l6a081RXA2dWtnRmxaNzFWYWtuX1E?oc=5) · dailyjournal.net
- 2025-10-06 [Three Illegal immigrants arrested after attempted ATM break-in in Posey County - Eyewitness News (WEHT/WTVW)](https://news.google.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?oc=5) · Eyewitness News (WEHT/WTVW)
- 2025-10-06 [Venezuelan illegal immigrants arrested in Tri-State ATM theft investigation - 14 News](https://news.google.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?oc=5) · 14 News
- 2021-01-27 [Crane Credit Union Focuses on Delivering Quality Financial Services and Financial Literacy to Members - CardRates.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVndDUFl3Qzg4YlFodjgwOG41VlAxSlZMSzVCaUVTQnNiMEhnOEJvQzZ3YzlPaEJ3Mm41aVpLb3R3dXlxeHRTSHhDTW1FWlBlTVl5Q2ZMbW81ZEMxNndwWDJIR0xRdWZhaWIzX0FvbFdQRkF5SDdtVnZYTTZweEdpMGFXMDFnbEEy?oc=5) · CardRates.com
- 2021-09-01 [Crane Credit Union expands in southern Indiana - WISH-TV](https://news.google.com/rss/articles/CBMioAFBVV95cUxOT21fQ2xCLVI1ZFRjRlNSTnBlLV9uUW9uZk0xVjNlVjVJaWFfQ01NUWxnSUI1N2ZDbnpINkhQSFJBRHBTNkpwb05hVll2YnRUR1p5SjQ1azVLY3VmdzlBZHB1bFl0Y3B2TU5zNllFcGszR0pnQUoyZGoycGNwaDBZeXU4LUNOdGU4b2xqTjF1dUNKaUpra3d4YkJEZ2dQX1R1?oc=5) · WISH-TV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68672 (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/0.json (key "68672", 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=68672
- 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