# ARISE COMMUNITY
Minneapolis, MN · NCUA charter 68740 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arise-community-68740

Who the members are: state charter, organized 2024, low-income designated, minority depository institution. 77 members of 1,440,000 potential (0.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 3.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.0M |
| Members | 77 (1440.0% YoY) |
| Full-time staff | 2 |
| Net worth | $869,941 |
| Net worth ratio | 85.5% (p100 of band) |
| ROA (annualized) | -54.33% (p0 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 0% (p1 of band) |
| Cash / assets | 98.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p11 of band) |
| Operating expense / assets | 57.03% (p100 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 6% |
| Average share balance | $1,103 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 3% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $207 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-03 | 3 | thin capital, capital below 7% |  |
| 2024-06 | 1 | expense trap | thin capital, capital below 7% |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, losing money |  |
| 2025-06 | 1 |  | net worth falling, losing money |
| 2025-09 | 1 |  |  |
| 2025-12 | 4 | net worth falling, losing money, assets shrinking |  |
| 2026-03 | 4 |  |  |

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

- 2026-05-20 [Arise Credit Union Minneapolis Black Business Spotlight - Minnesota Spokesman-Recorder](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNG9YT3kxWkFybXB4Ti1lVXJNVFM5Qzh3OGpSUFcxUVRPM3ZISGlyOC1zY3AwWkhSUzNYRzNQYVhaLWVNLWQtX3BndzQxUUFyUkpwekcxTUZ2RjE5NGRqR3JXNHFQb2xtT0Q4d3JMb2dLdXcyeHJGOG9oSHhqX0lScTg1QlMwNDVOVDVReEdIQQ?oc=5) · Minnesota Spokesman-Recorder
- 2023-07-11 [At Long Last, North Minneapolis’ Black Residents May Soon Have a Credit Union of Their Own - Next City](https://news.google.com/rss/articles/CBMilwFBVV95cUxQQzNEV2pLLW1KTnZDUXlYZGV2VDIxVWN0Y3pkZU9TRzR4Z1lpSU9aQWhVQk1PZ0RoeGxQRWlpMHltdklMS2VQMmp3eGl5VkxWYjFDVVZMcHB3cjBmSlJuNHZDS0JCR1J1ZkJqRnR2ekx3eDVtUjRzRTZCUk05OTc5V3c0Z21RYUoyb09hdEVFU0hhWGttSUhZ?oc=5) · Next City
- 2024-03-21 [Commerce Dept. issues charter for Minnesota's first Black-led credit union - kare11.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPQlhKNGtoX0hsdDdUaHBmQXl2Vmc1TEJJamJrZG9PVjBEbGk5NF85dnJGWFc5ay13RlJtbGlxVnYxbkxyVGtwSlFTNlV1dERMUDZBdTluRThUQVowVW5XR1BkanpCY3lMcDFHaG55RmZrSzJVNDBiNEF3OG9QSGdhdVFHSmEwTG14ZTBWMl94a2I0OWFacXpjYUcyUWMwT181TUlydkVLODkyMV9lWnAySVZVQi13cktHaFRVV0VGTlhCcDA1YUZSQzRwXzlQRjBpdVZ6MlViN1hRWGtLbmxORnRVNjN2NGN0X25FME8tNlBRekdHa0lr?oc=5) · kare11.com
- 2024-03-21 [The first Black-led credit union in Minnesota secures first state charter in 23 years - startribune.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOeHY1NHJVYlB0WHU4bmhVQ3hzNU5pX21FYVh0M1VwaGtPT0xibDN3eTdCVmZ2NUM3YVlMQW91MG5UbTl2U3Z6cXZ1OVlzb21YLVJBWVdaYVJWYVN0NTFTUzZPWDRmRXF0UjhTTTFTbjE3OGFReGdiXzFYYVFRQVdnNzZsLUxtMEcwai14TU8zSFREWWpjQTlSanpKY1c4a29BVHZGS2hBTDJVZlpuVGFJNl83NDQ1NlVaT0xOQQ?oc=5) · startribune.com
- 2026-06-22 [Black-owned credit union opens in Midtown Global Market - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSU9vQlNxUzN2WnowYks5eUwwQlRfX0xXemtkZTQ2UnJnT3kxN09hLVNPUnVSMDlOdjd1UzZxSHdVRzZ0SkJIMzN0YVY4eTdZZHRyby1LejI0U1JfMWdGakxwSlNtZ05ZRzEwTkJZZlhYdEx4SFBBcUJrTFZUc1JucTlpZUJnSTRGaWlBQTF1TDdMRWswZjlYbjFDOEMtWWRNX1UtZQ?oc=5) · The Business Journals
- 2022-11-03 [New BIPOC-Owned Credit Union Coming To North Minneapolis - lavendermagazine.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNa1dTZ0VYV1Vja3hKbHBWcVBoeU95WDVIandzYUJWMmRkNlVjS2hiUjlCcW1uQnpMRVFHd3h3WGRZSm1kU2dibjlqR2JCblhrR1F1ZGhtdXJfSW1Odk9Jcjg5SXJIU2pQZDdlWHFPQ1pUc0dxR1Y4aUtRTXZKWmZZOU5vRzh1bzZkV0E?oc=5) · lavendermagazine.com
- 2022-07-29 [Latest banking news, July 29, 2022 - American Banker](https://news.google.com/rss/articles/CBMid0FVX3lxTE5ZdkxPUjdFZlc4LTloX3BrVWYwWmhTcjdzQVJsMGVlR0JVWVFKZ0FaOGdxSGFraGpremtoendxVWJQckpzaDRvM3hHVGpTb19SZUxnZktFRFNzZGZheEtjUm5hU290X3IzWnYtUmx2RG4wM3B5cl9N?oc=5) · American Banker
- 2026-07-15 [Tribe Federal Credit Union Minneapolis Grand Opening - Minnesota Spokesman-Recorder](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNenpSc3ZqYU1MZzlyQ0xwME51YWtNclZiYk13NHFUVHpMSXh5MVBKMm1xYjV6ZkpZQTVZQjBkT2VnX09GYmdfM1VGRExTWEFacTFHSkowT3QtVmpPQ0lDWlZuSkRLMkxyR0drcllKT3UwR0RpeG00ZnVmLU84WnV4Ql9NSnZyYnla?oc=5) · Minnesota Spokesman-Recorder

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68740 (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/4.json (key "68740", 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=68740
- 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