# CONSUMERS COOPERATIVE
Alliance, NE · NCUA charter 6974 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumers-cooperative-6974

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 3,446 members of 4,000 potential (86.2% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 74.

**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 | $52.9M |
| Members | 3,446 (2.4% YoY) |
| Full-time staff | 6 |
| Net worth | $10.5M |
| Net worth ratio | 19.8% (p90 of band) |
| ROA (annualized) | 1.31% (p79 of band) |
| Total delinquency | 0.77% (p59 of band) |
| Net charge-offs (annualized) | 0.44% (p67 of band) |
| Loans / shares | 77% (p81 of band) |
| Cash / assets | 29.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p28 of band) |
| Operating expense / assets | 2.81% (p24 of band) |
| Vehicles % of loans | 73% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.94% (p68 of band) |
| Vehicle NCO | 0.32% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 52% |
| Average share balance | $6,900 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 41% |
| Average loan balance | $12,709 |
| Loans granted, annualized | $16.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | repo signal |  |
| 2016-09 | 1 |  | repo signal |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2019-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 3 | net worth falling, charge-offs p90 |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 2 | delinquency 2x band | net worth falling |
| 2020-12 | 2 | repo signal | delinquency 2x band |
| 2021-03 | 4 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 3 |  | repo signal |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | delinquency rising, loans>95% of shares |  |
| 2024-03 | 1 |  | delinquency rising, loans>95% of shares |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | delinquency rising |

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

- 2024-07-31 [Consumers Cooperative FCU Breaks Ground on New Location - Alliance Times-Herald](https://news.google.com/rss/articles/CBMiigFBVV95cUxQekpZSlpOWGVpNElwbGJoenlkbHdBMVN3eDhET1Y1UEpiQ2s4REs1R0Nod0ctckJDR2xSTkhWVVdHT2s3amdKa29OVmRIZnpRMExWbmpGRGd3VDdmRHNyTnc1ODJZM0Rmc0xoM282WTRkZTJ6YzZ0WFB2QjkyTTBxUHZwOHY2UEp3T2c?oc=5) · Alliance Times-Herald
- 2025-04-29 [These are the Best Credit Unions for 2025 - businessinsider.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNOUd2T25QcUx6dTJzZDV2RGR2c1hPTzBOcTRmZm45OVFkUWJsR2trVjBXQzhFaVBqQVJoS2pSTVpjaVBMS2IyRXZKUVR5bEpCTzRvRTdWLVEtTkZMXy1LeGJ1dERkR2lWcUcwci16OGtkZmR6cEVfeWVaU1NMYS1JVQ?oc=5) · businessinsider.com
- 2026-02-23 [KNEB-AM 960 AM – 100.3 FM - Eric J. Lashley, 51, Alliance - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBmWkdkZHcwTWVoVW1zSUt0aFBzSWZGRG4xNG1QNy1XNHBTcGlMYVV5YlB4aE9yaEFIYVdMOFEtUG9xbkM2NTJKVXpCVFlsX3BLU0ZRcTZDRVozUnhyb21fRWRsbmNmY0lVSkYzUW9WU3RVQXVDeWVXdjhLeG5pOEk?oc=5) · Rural Radio Network
- 2024-12-12 [Best 6-Month CD Rates for September 2026: Up to 4.31% - Investopedia](https://news.google.com/rss/articles/CBMib0FVX3lxTE5pWW93Vmo2NzZDSmxmOEpuMldZQ1J5M2hyRzdqXzlnNXl5YXZSX1BEN0t0SkFPNlJuZVdQV0VmUGYxeThSdjhyUF9jRmdLRkdZOEZ4MURsTzc4MUVrd3oxbGo4MnpzOS1tMDl5OUFITQ?oc=5) · Investopedia
- 2020-11-07 [2020 Lafayette Civic Cup recipient Fred Prejean has long history of helping people help themselves - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNVGczMVlibnlTWXpaNTlVVnlWWkV2N1RiY3NMQm1RRXlwQzFMNGlYclk4WlhpMFV0dVJNd3NkZmxPM0pnSThoSnNzMXJuY2Fad3NhamdKOG5sSTBLZnVIRXVRa3lGOGJfMzU2Sk1SYWVXMVFnR2RXN20xU09jblNkLUxvb05Sc0V3OVB1cHYzRGlJb25vTG5faWJrY3h2c0ZUcmNUTnV6VnBrbG81TWdkVXF1OTU4azRWdEc4?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2023-04-07 [Matthew Ryan Burney Obituary (2023) - Alliance, NE - Bates-Gould Funeral Home - Alliance - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPLVMzRjFvcGxYMS1uMko1SVdkM2FUNDlqc0FzbVo0OEN2clc2NWNtOE43OUl2bFZXRWt5Z2xsc2Z3S3NHS0JqWjZnV0hpb0RZeDlYQ2Q3VnFRb0t5QVl3TE0xQlVOS0RZY2dBdVlMQzlDVVBYREw4NnVsajFHb3Z1b1lIVQ?oc=5) · legacy.com
- 2019-04-02 [Streamwood HS senior named to academic all-conference team - Daily Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxPOHNva1RIV0VzLWc4RWRWTnEwR0JKVlAwSW91RXFFN1lMTEZFOVJoYko3MkRrRG1FeHpnR3RpUG84UEMzSXlUeFJ0MEhnYkdMWlhtY0xtRlB3TmdiZUszUFpDeFhSNzJScEFBYzJjM2hERU52RHNjQV92Q0lLalN4WDV4UFo2UjZzZjVpU1U2bVg1d1NBaWdzc2wtZjFMVVdjSFE0?oc=5) · Daily Herald
- 2025-05-23 [Best Jumbo CD Rates for May 2025: Premium Returns for Large Balances - businessinsider.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeEZTZ25Mcnc0MzZFWlo2SzFXVmVzalREZ0xpZDRDSTJGeUoxM3ZmZ2VOb0JGNlhDOFNmdnp3MjJHZ2hfNWxCWE5hbEx1VHhWMkotZmt1dDhSSng0Szd5ODZHb0xNTDdwY0NFRzJUWGdJR1h1RXlLMk5WYjE5WmZWMy13?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6974 (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/62.json (key "6974", 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=6974
- 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