# CREDIT UNION 1
Lombard, IL · NCUA charter 68727 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-1-68727

Who the members are: state charter, organized 1958, low-income designated. 167,836 members of 5,000,000 potential (3.4% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 183.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.64B |
| Members | 167,836 (36.5% YoY) |
| Full-time staff | 608 |
| Net worth | $250.7M |
| Net worth ratio | 9.5% (p22 of band) |
| ROA (annualized) | 2.48% (p100 of band) |
| Total delinquency | 1.15% (p86 of band) |
| Net charge-offs (annualized) | 0.65% (p63 of band) |
| Loans / shares | 86% (p47 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 1.70% |
| Net interest margin | 5.53% (p100 of band) |
| Operating expense / assets | 4.44% (p95 of band) |
| Vehicles % of loans | 28% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 185% (p64 of band) |
| Vehicle delinquency | 0.97% (p77 of band) |
| Vehicle NCO | 2.14% (p87 of band) |
| Repossessed % of vehicle book | 0.36% (p93 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 357% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 14% |
| Average share balance | $7,859 |
| Participations bought / yr | $0 |
| Participations sold / yr | $346.0M |
| Participations outstanding | $65.9M |
| Loans outstanding per 100 members | 183% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $6,415 |
| Loans granted, annualized | $1.08B |

## Participation posture (from the same filings)

Bought $0 and sold $346.0M in the latest annualized quarter; $65.9M outstanding purchased (26.3% of net worth), $93.2M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 40.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-03 | 4 | thin capital, expense trap, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2022-06 | 5 | loans>95% of shares, leaning on borrowings | delinquency 2x band |
| 2022-09 | 6 | delinquency 2x band |  |
| 2022-12 | 5 | repo signal | expense trap, leaning on borrowings |
| 2023-03 | 4 | expense trap, delinquency rising | thin capital, loans>95% of shares, repo signal |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | repo signal |  |
| 2023-12 | 8 | thin capital, net worth falling, loan book shrinking |  |
| 2024-03 | 4 |  | delinquency rising, thin capital, net worth falling, loan book shrinking |
| 2024-06 | 4 | charge-offs p90 | delinquency 2x band |
| 2024-09 | 5 | thin capital, delinquency 2x band, leaning on borrowings | expense trap, charge-offs p90 |
| 2024-12 | 3 |  | thin capital, leaning on borrowings |
| 2025-03 | 4 | expense trap |  |
| 2025-06 | 3 |  | repo signal |
| 2025-09 | 2 | repo signal | delinquency 2x band, expense trap |
| 2025-12 | 1 |  | repo signal |
| 2026-03 | 3 | net worth falling, expense trap |  |

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

- 2026-08-04 [Credit Union 1 Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5IMWlQdDFSNzZWV1AwbEs5VVAyS3dONGZJVlNGbHNYUFp3RWQ2SE40SGpZUEpZYWYyN21OZ29LcjRMbmRtb2l6X3UtU0dpbFNaRXR0dHNfV05QVVhOeWtZd3hYTkMtNmJkNUxUUGJDVQ?oc=5) · reveliolabs.com
- 2026-08-11 [Credit Union 1 Amphitheatre in Tinley Park, Illinois, damaged in storms - CBS News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVHBIM0p0ay0xUFJkMkpvOENjdkJxMVFkek1LZTFkLTFTcGFFaEt3TEVyVDdSd3NmVnAzQzZXZzdsVkxKUHJmZmpkTTViSzZQaC1LdElmZURJOXFzTE5lV21GUFY2NU9kSUFSOXpjRkFNQ1p0RHdLRjB4a1F2ajhGeW9oM1BMR09hMTNTRWkxTHZWc3RxdnVoZmtwLVh0ZEhuMkFV?oc=5) · CBS News
- 2026-07-15 [Muse at Credit Union 1 Amphitheatre in Tinley Park, IL - Loud Hailer Magazine](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaUcybHVvMXM2bWxjMzlQUGF2R1pwNWVaSzdnOU5QVDZTNWNRS1ZJSTZya0FzcnkzeTNqWUNlVUpYWEptVDRZY1Q0Ym5JcTRha08xb1Q5Z0tfVDdHR3dmRG5rb0tOTk52SHZFSTRuV1JIYS1IUU5wYUFuSm92TXpfUDR1SEtSQmJwMWRNVS1fLWhsM21jTmlwQ1pFNXNiNzkxanZET0RJWjY?oc=5) · Loud Hailer Magazine
- 2026-05-16 [Commencement - Illinois Institute of Technology](https://news.google.com/rss/articles/CBMiR0FVX3lxTE5Qb0kzSWNhQXZvRm9sNng3NFFxZ0pMbEtXMUcya0JOUGlRYURsUS04SzZORk1NVThOTEVzbXlNLTRyQU8tMWVj?oc=5) · Illinois Institute of Technology
- 2026-08-24 [WrestleTix: TNA Lockdown | Sun • Aug 23 | Credit Union 1 Arena at UIC at Chicago, IL - Wrestlenomics](https://news.google.com/rss/articles/CBMixwFBVV95cUxPdWdjNVNOalFGME1PNFQyTm92NE50X183eVFJbTZsczNsekFQYjJ0YzV5allPR3VkZElWMUhtVkhwQ3JUa0NDTEYyN0hsU2stZUt1N1dsUWZIaXloSmk5dW1ldEdtdk85YWtPVDBLSXh0SXhaLTh1U0R4UXNFVmhSdlhyUzduXzkxaE14aC1DVjZUdEk4aFl1QkQ0dnBSZnRkTGxDb2pyN2wyblV0bEE3SGI3Q25ucDZNY2RJLU91YnVrTXk1VWZr?oc=5) · Wrestlenomics
- 2026-06-21 [Photo Gallery: Godsmack at Credit Union 1 Amphitheatre • Tinley Park - Illinois Entertainer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWHNzdlNtQWV0TGdueXRjMmlUdnMtbjlnTW5vSk95RjF3dUhVeVJmVWFpcTZXRFY1S2tJcU5LR2NORnZvckwxS1doek9PVGVmSWI2UTNkUml5eWJHVlR6ZmdfSkFEX0pFWVQtcy1JaTFmR0NxZ1FEUGRqYmJBZzFfd2xnS19QUTdwZUVvbVgwaGFQdVR1UFJZQm5vakFXS1dlZHRBV2VsY18zZw?oc=5) · Illinois Entertainer
- 2026-05-19 [Live Nation lawsuit filed after Roman Basso, Frankfort, IL man, charged with sexual assault of teen at Credit Union 1 Amphitheatre - ABC7 Chicago](https://news.google.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?oc=5) · ABC7 Chicago
- 2026-06-11 [Credit Union 1 Amphitheatre Offers Discounted Concert Tickets For Tinley Residents | Tinley Park - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxPTFlLaml2dm5fTHZNd0lRY3RNS2tJNXdZTkVaMGNISlM3QlJocGc0ZGxSSHU3VEZuaFRDYmhtYktFMHNpZzl4U3lPRUN3LUZSaUIwa01fYk5VRHgxelJnbFI2bVVpZEVuSURiaEJMaTlac001MXY1STZYUlVpeGRfTklEOTh6UzEwNGhjWlBFQ1dQYXVsZHB2dVZzTkhlempXX2dvcVBR?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68727 (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/55.json (key "68727", 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=68727
- 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