# ROCK VALLEY
Loves Park, IL · NCUA charter 68687 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rock-valley-68687

Who the members are: state charter, organized 1968. 15,767 members of 875,496 potential (1.8% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $178.3M |
| Members | 15,767 (1.5% YoY) |
| Full-time staff | 48 |
| Net worth | $20.0M |
| Net worth ratio | 11.3% (p43 of band) |
| ROA (annualized) | 0.14% (p15 of band) |
| Total delinquency | 0.84% (p65 of band) |
| Net charge-offs (annualized) | 0.48% (p65 of band) |
| Loans / shares | 86% (p84 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p65 of band) |
| Operating expense / assets | 5.62% (p94 of band) |
| Vehicles % of loans | 46% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 8% (p41 of band) |
| Vehicle delinquency | 1.46% (p84 of band) |
| Vehicle NCO | 0.87% (p68 of band) |
| Repossessed % of vehicle book | 0.02% (p67 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 22% |
| Average share balance | $4,896 |
| Participations bought / yr | $922,652 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 114% |
| Average loan balance | $12,913 |
| Loans granted, annualized | $49.2M |

## Participation posture (from the same filings)

Bought $922,652 and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (8.2% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 8.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-12 | 1 | expense trap |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | auto monoline | delinquency 2x band |
| 2019-06 | 4 | delinquency 2x band, charge-offs p90 |  |
| 2019-09 | 3 | delinquency rising | auto monoline, charge-offs p90 |
| 2019-12 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2020-03 | 3 | delinquency 2x band, members leaving | charge-offs p90 |
| 2020-06 | 2 | net worth falling | expense trap, delinquency 2x band |
| 2020-09 | 2 | expense trap | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | members leaving, net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 | members leaving | delinquency 2x band |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 3 | losing money |  |
| 2023-06 | 2 |  | losing money |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | loans>95% of shares |  |
| 2024-12 | 2 | net worth falling | loans>95% of shares |
| 2025-03 | 1 |  | net worth falling |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-07-01 [Rockford Municipal Employees Credit Union merges with Rock Valley Credit Union - Rock River Current](https://news.google.com/rss/articles/CBMivAFBVV95cUxPVi1xMVo4YzZYM1k2UG5vczBCaHplWk80YXI5dVlCYzdWOVZ5UUZ4WUJCNE9ITXFKOHJjTmRqT3MyZFB1aUtncW9hc2dVdXdjTERFX1lyeW9KMzloZlBZUlk2ZXp4WVNBZUZDaExUYmpkR0RxWUY3SFE1c1VzWlVKSkFOZUFPeDVVRmE1WFhZOHd4WXpoTVVDa0NySWZreGpJMjByVHY5VmM0TUpVaGllalJ1eEtPV1ZScHVWdA?oc=5) · Rock River Current
- 2024-10-17 [Rock Valley Credit Union offers financial education with Partnership Plus Program - mystateline.com](https://news.google.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?oc=5) · mystateline.com
- 2021-04-02 [Rock Valley Credit names community outreach director - Rockford Register Star](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSnFHSDBEd3RwaExJbUlKcVZsTHNERDBtUE90UUduaFZVQnd4Mk5ad2lLQXBxNk16NHNIMUhzZ21XZ1ZTMzZqX056VUstVHNxWnBUdEs1SUFFM3pFMXEyNEJodXR1d2djM2dOWkFHMEI2THNsRmNNYldvbVM0MzczUm1GS245UUJ1bllwRmR2MF9ON19hRnpvVXJFb3NmbENOX2lNcVdDVjRPSS1LMWc?oc=5) · Rockford Register Star
- 2018-12-19 [$20s To Be Replaced With $50s In ATMs Throughout Rockford - Q98.5](https://news.google.com/rss/articles/CBMihgFBVV95cUxNbndRcjFZTy1scVp2UTFhR3NhNXl3ZllrRHR1UnRSRWY0NWVqUVRta3hmT25IS3JIWFBfSlZMWlpLMHNqcGZWOUhfbUhfNDFhbE9pNUc3clViQmtycUVsWlgzQWktelQySWRyVklFbU94RF94Rmg2MUhwd1ZiNlpqamxWa2lNdw?oc=5) · Q98.5
- 2013-04-15 [Ronald E. Wilson Obituary April 15, 2013 - Fitzgerald Funeral Home & Crematory LTD.](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9TV1RONkpjNkl1S3JISktlQzlzSTFDUkQ2c0VTXzN6VkFiS3ZCYlNMb1g3WEFDWGlqMHBaa2I4UVZhLU9BME0yZmhaYmtTNmFCd3BXSlZaMkVqVkpEaS1qWVBLS2wwclFx?oc=5) · Fitzgerald Funeral Home & Crematory LTD.
- 2025-09-16 [Greater Rockford Chamber of Commerce honors 40 leaders under 40 - WIFR](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQckJVSHB1aXBHLWV2bzBlR0tQS3Y5WjVTUjR2b1B2bjdHS09yaVlEcXFHWUNaWkJhYkJPNHN3ellJdzN2STFrTVpNWmFVLVlnbzVPd1ZKWjBHOV9tSnVoSlZGWDB6MWxnMER0M2VRSFdsRVdObFNuc0t6Q2IyOENrbnF1WkZNTDVvY1NlY0ZXd3RRNF9RNFZpVjBpdkhEbHpEZ1c3U3dZQlZpdw?oc=5) · WIFR
- 2026-08-14 [Rockford celebrates 815 day tomorrow with RockYard Music Fest and local specials - mystateline.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTTFVYnhKRGJhUHluX1V6VDJDajZmY0dnNDJKOVN0QVB6QklzTFgxcE5QWnB4b29EbmhqVXZ0bXRpQWhxU1pRLVotbUxyVGk1Zk1UbVpXVU92LW1VcC1CRWZRNm10TnktM1ZkY3RSOWx6M3h1Y1JqYU0wZG5fckJtZTBJb9IBiAFBVV95cUxNTmJOYkJBU3ZZMUxVUTVfTkl0bE9BUTd4VTNvS2Vta2liWXZERi1fbnFqbWFtcWRXT1lCbzlvSmVfWWY4U3dMeGs2YjdFUk40T3NYY1NaU05BWjFraXNVZk81ZEFxUmJoMDdxbVhaOHdtOEEzc2QzN21DV3ZLZW4zS3VUOEtDZ2cz?oc=5) · mystateline.com
- 2022-09-08 ['She was always with a smile;' Former Rockford-area clerk Lori Mitchell dies - Rockford Register Star](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQcHNXR3lpQ2g4NEhkUW1Gb3Z5cmJXZWN4WmljUGQ2WF9SNVA1VFEzcGc4QkRqekgyV1NfUDZCc0VocEJxbjNfeDg2QnV5X0MzMGNGV2F2ZVlHWnNpQkpjUldjSFI1dF8wallsVE9WY0d5bld3M0RyQmhxX3UxVEw1QUhBQko4N3Uxb21ZRjA0d0VyUFhTM1N3UWpXWHVWRDYyLTNjZHR5NlA0UzBkSFZNdFpzSVZKNU9Z?oc=5) · Rockford Register Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68687 (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/15.json (key "68687", 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=68687
- 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