# MIDWEST MEMBERS
Wood River, IL · NCUA charter 68684 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/midwest-members-68684

Who the members are: state charter, organized 1935, low-income designated. 17,581 members of 720,696 potential (2.4% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 705.

**Verdict on the desk:** this could be *auto monoline*. 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 | $226.5M |
| Members | 17,581 (-1.1% YoY) |
| Full-time staff | 52 |
| Net worth | $29.8M |
| Net worth ratio | 13.2% (p73 of band) |
| ROA (annualized) | 1.56% (p92 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.46% (p57 of band) |
| Loans / shares | 82% (p72 of band) |
| Cash / assets | 20.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p53 of band) |
| Operating expense / assets | 3.16% (p28 of band) |
| Vehicles % of loans | 79% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 350% (p95 of band) |
| Vehicle delinquency | 0.28% (p24 of band) |
| Vehicle NCO | 0.69% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 22% |
| Average share balance | $5,817 |
| Participations bought / yr | $4.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.7M |
| Loans outstanding per 100 members | 705% |
| Loans granted per 100 members, annualized | 280% |
| Average loan balance | $1,305 |
| Loans granted, annualized | $72.9M |

## Participation posture (from the same filings)

Bought $4.8M and sold $0 in the latest annualized quarter; $6.7M outstanding purchased (22.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-06 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | thin capital, net worth falling, margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 4 | net worth falling, delinquency rising |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | delinquency rising, members leaving |  |
| 2025-06 | 3 |  | delinquency rising |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | members leaving |

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

- 2026-09-03 [Midwest Members Credit Union Male Athlete Of The Month: Brady Barker Rises To Captain Role At East Alton-Wood River - RiverBender.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPdkFUWTg0UFRwcHN0QjhfcDFHVTFPTWdoUmh3Z1VwR0lfUjRKalRxS1lTbGRla0hMQkktMmRBa3gtLW5BRklIVmh1VzVCbVotcDUzOXc3QWxLQlZWX1BhcEJ0REVPRXVfZ19kV2Z5c1AzNkpobnVOTE9CS052ZDRBVTNlZ1NsYmE1c3dldHpaWl94bUp5eE1aTDYtQU5zMUhpWGVZdUdJM0FKYjhpcFgxbmZoWUdBYnZ1U3NWRXJ5UDhVajR2TUNsbHhtVjA3NnMyN0dfbkxtSTEtRUNhSm5WVmNqb0liOTZwdDNnc3F1OWZMSlhDUElR?oc=5) · RiverBender.com
- 2026-09-03 [Midwest Members Credit Union Female Athlete Of The Month For Oilers: Senior Peyton Adams Celebrated For Volleyball Dedication - RiverBender.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxPcmZmaXNWMFBrMFFKNU1iX2UxUG12aUstLXNnV19SdGthMXdNU0xtUEVicWhOVG1FUnRUODJXX0tJUmtOY0YwTG9xVU5xbHFtOWhlX2FQYWVfdlZPdjFROWU4LV9xZUJZZ1RIaUstS2JtUGQxZVE4MFJoUDZMbGtYMlNVaG9MNTl0V3g3ZlhPS3dCRjFEYW5IV3lOQjBHUjY1NURybkxPM3luVkFLbi1XOUNob3pDeGV0aXJzU2VJZzE0bmFCTzRSX0UxMWRkZWlvMm0xTDd0LUVLU3REeHdEU3B3TlpLYUlfWFAwam5MeUxoUVprQ0lyQThxaElrOGphbUltYkNR?oc=5) · RiverBender.com
- 2026-08-26 [Midwest Members Credit Union Roxana Volleyball Tournament Roundup: CM Sweeps Three Matches - RiverBender.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPQUp5WlNzYmpYai00N2NyaFpjUmc4MWFjVkhITXBVclcya3RvVmxEYnM3TmsyYmZ3ZXFjbmNlQktJdXg4NFRKaER6ZkNPZUFUTWJKb3ZJdnhtSDdjcGV1ZEx0Y0p1MEdDd3pHMEhCaHUyTGduSTJ4Z01XVUN4VEVWNTlFZExSTTRDdUtwc1ZNdWlOc3JYaWdTM2dROWh5SG85cy1PdHctZGN6eTF1NU0zbDJzWlgtRUFRamRiNUV5Z2hReDMtdS1NUUdiTW1NQVVFSHRTLXhXOUl1OWRTcEc2MjF5eE5MTGJkTEE?oc=5) · RiverBender.com
- 2026-07-03 [Midwest Members Credit Union Female Athlete Of The Month: East Alton-Wood River Valedictorian Honored For Gymnastics Success - RiverBender.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNaGo3bFg4OV9CT1I4Nk1UdzdFYXZOdXI2Vi0xNkM0VDMyNjV3NnZ6LVdNSEtJclFUZlZlUThjNTVlMi1lUEswUFd6YkJoNXRNVXh3SXRTSGRFZzl0OFpGaGZ2RldYS1F5QjdNUUhSSUdEU2FsZWw5MURnVExsVWpMY09jZi1NaVUwaVBRYWR0MW1xZ2dsUVNCTVlERlFYWHVGZjg4Y05oNnJyWkQ1MU9PQkx0clpEMWRwLVEtU3pTS0hTejJxZk8yQjJ3UTZKSDRHcmRMMjBCUUlzaGlPQnEtVXNVbW0xM2ZiM1JjWXFKc2ZBa0NoNGVtV2dJOWpmcTJvTUlz?oc=5) · RiverBender.com
- 2026-07-20 [Midwest Members Credit Union Female Athlete Of The Month: Volleyball Recognition Highlights Mikayla Miller's Leadership At EA-WR - RiverBender.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxNSlR6eV82TlM5dFNvVGRZbFJldFpETk9yMnIwR3VGUUVBX1F3Q2NjZWFkQU5lVXRicEltUFprTjBlNGNiblI3dHB1Qld6T2ZIZVJKVG55dl9IYl8xN0Q1V3RpcWZqbF96cm1Wc2Q4d2NpYVVqNERQYVhNRms2UTZFSG96dVZNUmhzQ1gtWXZQSGhYYWUzZWtBclJRN3ZHNERFUkNDc1pTclZhalFabjVRbUY1TDZPU05nYjRGdEw3UEI4N25TS1RxTmxoRmhPQmNMR2E3QU0tU0RkTGxyZE5rQXQzOUxkMkpxVXBKZ2k2MWZLZGxDSXNvZkFNbnNpV1VZREthSg?oc=5) · RiverBender.com
- 2026-07-22 [Midwest Members Credit Union Female Athlete Of The Month: Ellie Beachum Rises Among Top St. Louis Area Pitchers - RiverBender.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPbWNWSEpZMEVDUW8xQUwzTTVsS0dnMy0wOE9Kc24xeXJVd3BfeFVfbUxSelVMQlNyQmViVzlBeWd2Yi05d1NXdVNZR0kzV1BKZGt6T3lrRmltOGJ5UHg3QmNMdkxTb1A3cTFrTkVwdTZPSWhQaHBqenc5dDQxZlI1X3BhdHk4Z2xzOGp3UWJhb005TElBYU1RTmstYWZQN0dmM0JWRjlXYWlNTmlJQXVFWGt0aHJkZW82Z2JYejNnQ1BiWnZXRkoxSXVuX0ZNYzVtaC1WUWtNMU81VkNfZ0hvOFdxaGFYOVdVV1ctcDFKcUs5UQ?oc=5) · RiverBender.com
- 2026-06-02 [Midwest Members Credit Union Male Athlete Of The Month: Blake Sorgea Builds Bright Future in Oilers Track - RiverBender.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQNk11blJJMzZvVEp0Vk1nVnA0YXpRVGxKcWdqYmx1azVPOWtuX09XWnZyYkc4aWNyRFBiY1F5OGs0T3QtNy1KTVJoMnpZZWJ0djVoVDVjeW9OQnl4WEExT25GQ2pBWE94RmpQaTlMZ0VDbV9ITlc5UDItRndYTUEtMVFnNkJrVjYzYVhHN3h4aUxwNkdVRm41eTYzNl9wdWszSlNsMWoyWjI3a3htS0xfQ0Z2bFU3U0xjTmdZR3hrLV9LRnM3d25scUNGZlVVS2JOb1ozOFp6WEFqU3VQYnVlNncyd19iZjdi?oc=5) · RiverBender.com
- 2026-07-30 [Midwest Members Credit Union Male Athlete Of The Month: Coach Wheaton Praises Max Autery’s Leadership Behind Plate - RiverBender.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQdXpORERPOURHVktkZXJqMVVYUGlRc1pKVE9EX1RnamtEQm41X0Q1bF9VQnBQNHhvVGdUNEdmQTRiNlJSWHg3cTU5LThGZFBBMnBrTXJoSU8xaGVZM25NOUJlb1pOOUY4V2pXUDdLSldQSHlSTkpXVEJiNlVDblFwbXRhQUcwTWh3VlVjZzBQZ2x5UW12S29wOFRYOEVvUV9BVHhtdENkNWtqcDcyU1JaS3dwa2xxRk8zc0xybGZqWjBHWkZIRTJVUDZtbzFnWG5NV0h3d2R5NmQ5MWNGQTBXWDU1LXNONTFFU0RsTjhUckducG8?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68684 (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/12.json (key "68684", 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=68684
- 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