# SELFRELIANCE
Chicago, IL · NCUA charter 7346 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/selfreliance-7346

Who the members are: federal charter, multiple common bond, organized 1951. 48,785 members of 70,000 potential (69.7% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.13B |
| Members | 48,785 (1.3% YoY) |
| Full-time staff | 155 |
| Net worth | $143.3M |
| Net worth ratio | 12.6% (p77 of band) |
| ROA (annualized) | 0.66% (p47 of band) |
| Total delinquency | 1.11% (p84 of band) |
| Net charge-offs (annualized) | 0.36% (p30 of band) |
| Loans / shares | 73% (p19 of band) |
| Cash / assets | 6.7% |
| Borrowings / assets | 2.98% |
| Net interest margin | 2.78% (p18 of band) |
| Operating expense / assets | 2.33% (p12 of band) |
| Vehicles % of loans | 3% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.47% (p36 of band) |
| Vehicle NCO | 0.61% (p26 of band) |
| Repossessed % of vehicle book | 0.04% (p36 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 185% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 42% |
| Average share balance | $8,880 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $27,218 |
| Loans granted, annualized | $157.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (2.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency 2x band |  |
| 2017-06 | 1 |  | delinquency 2x band |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 2 | delinquency 2x band, members leaving |  |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 2 | net worth falling |  |
| 2019-03 | 1 |  | net worth falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | net worth falling |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 4 | net worth falling, delinquency 2x band, delinquency rising, leaning on borrowings |  |
| 2023-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band |  |
| 2024-03 | 3 | margin squeeze | delinquency 2x band |
| 2024-06 | 3 | delinquency 2x band, assets shrinking | net worth falling, margin squeeze |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | leaning on borrowings |
| 2025-03 | 4 | net worth falling, delinquency rising |  |
| 2025-06 | 2 |  | assets shrinking, delinquency rising |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 1 |  | net worth falling, delinquency rising |
| 2026-03 | 0 |  | delinquency 2x band |

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

- 2023-07-17 [For incoming CEO of Philadelphia's Ukrainian credit union, rapid growth is bittersweet - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMm04OGNNelZEU0x5MmdzYWFhb2Z5SFBGOEkxWGhoc0ItRFZBMk1sTU5vVThJWTV5WmllNjRkVDZ2WlBoYlJGb2lpdktCZDRmTjRIMUhIbkpYRFVfaWN3S04xVkxydnBGbmR2ZDNrSFNjd2drWnI4LS1ZQ2RJSzU0Zk9kSHV1aFJVVENoTkpUQUZwMEJRSmxKU2toTXpONzZ5bmhzZzFrVHpWZw?oc=5) · The Business Journals
- 2020-01-20 [First Community Credit Union announces Rockford mortgage loan officer - Beloit Daily News](https://news.google.com/rss/articles/CBMihAJBVV95cUxPblNTRjE4RV80LV9MYThPSzVKUmR3VFVocThLNndROFE5TE82S3ZsR3NTZ2JNRmpMampRS0pZQ3Utb2lTS3VSTkh3RTFFMGFLVVJ2V1NBTS1waTRrdFBsUzN6RVUwZGIwanRxalg2ZllDcm52OXRNSlBEeVBVWTczVllhMHA4eXkxQU1xYXFtQWx6ZTZOc2xMbE9rSGNJYVFLQ0VYamlIZjRneU1sWVFPRTJyOG92NzRwVWJXM0dra0FaUGtIUENPZEFvZ1d6Ylhic2h5VGZ1cTkxSzRlVGE5b0FlQ3VGdm9NXzlDdDhRc1hyT0JQdWdFQWdYeGYtdjdjQ0tINg?oc=5) · Beloit Daily News
- 2024-04-11 [Palatine Council Denies Construction Of Bank - Journal & Topics](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdU9GZHdibS1GWi1zRWw2NGhZUnV1d1V2RUFTZ21acElNOUZoN256NFVwMTdpMzA2QTJxU2J1ME1XS1B1SEdQS01uU1llYlZTV0Q3b1ZnaEY0QzlIV2tHT05sVGpqeXpkMmVob0RzQTJVYmJMb2lLV3BNZkJDcHhoOFlKVVhMb1BrMVlOZWFB?oc=5) · Journal & Topics
- 2023-12-22 [70 athletes, organizations inducted to Ukrainian Sports Hall of Fame for 2020-2022 - The Ukrainian Weekly](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPb09STEZGZ1A0WEVpd2Z6RjVWb0hnZUt5VVZxQ3NwTWYxY1dWSWloLXpodkVpOGplOTJockRhVFpONklKQ0tveE40Z1ZCVUVWZkYyX1hWSHhHUEs3UGFVaHRfMUZ5ZFM5THN4eF9iN0ZVbUtlWG9wMjg5RENmZEhfMTlwOUpXUlBCMElWMXNFdGNTNUxvTGZ4d3lRbFdNQ0pvaVVnbmllMW1DZUJFRHZNcmlldE44TGg0?oc=5) · The Ukrainian Weekly
- 2023-06-13 [Bank robber got $8,000, lost it when someone stole his getaway car: FBI - cwbchicago.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQVl3dUthdlJJSzN6UGJqV3VxZ1hoX1FzTG1xZVpXbFpQNFFLYXp5NWV0OHUyUUFJSkFhMTdncVdQZ29aYTV1UFl0V2JBODNwbVpKaXhLbGZVdEsyV3RuWXRpeVpZV3JUWXhBemRLSXNTRUFDLUo2eEhaNVZHYXhzbE13?oc=5) · cwbchicago.com
- 2026-03-02 [UWC, Prytula Foundation conclude One United Fundraiser - Ukrainian World Congress](https://news.google.com/rss/articles/CBMipAJBVV95cUxPTGh5VDBBREF0bXpmMDRGdWNkWUMxS0w5XzJqRzV3X21uY29QTEJUR09JU3lBYVpyTDU4eXA5S2tkd3Y4dERDZmhvbzQxYzQ5cXZFZFNRMzUzYWkxTHZqaExQUXJjdWFETWtxem9USGVuZUVfWHIybmtiSGk3QTdIZ3NjV3lhdU1SMm0tRk82ZHlFSTBjT3lScUJIRE5PbXAxNEVCcWFMWXFxNjRxVE5SV0l6dHNmbFNZZy1aWlRkMnRvRFhzVXo0WFJITktVaTRmV2FBeWJYRGhmM000d21WM1d6c3I3MDkxSjc0bE1mcmwtYUdCSmVCSDFlcmNMcko0M3dJeFpQdTcxTWFldGctNnU3RUJOcTZuTGMyRUJENFlwcVFw?oc=5) · Ukrainian World Congress
- 2024-06-09 [Mary Procyk Obituary - River Forest, IL (1943-2020) - Chicago Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNRW9lSFhOczZSVU1ZbFEzSlp6dHNKcFIxX2N4T3B1Um4yRWxLM0FFMFVadzhSUzFITVpWeHFpc2pjRzNwcWVPY0prQk5CQjhJdHVZa2tabE5KdjNUdWVyblV0UUxib05SeDNWdDc0WmlDRHhZRUQ3WlFHRnZmY1RLN1BXUjRWamcteC10cFBEQQ?oc=5) · Chicago Tribune
- 2008-04-13 [Sydir Michael Tymiak Obituary Apr 13, 2008 - Altogether Funeral](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVVljS19yb2dOTHBaQkZTMURLNHJBOG4tN1p2Mzljb1p6WUdYSVJVeVpPSGoxd1JjRGV0ZXMwYlVGWUVrNmdLZkdldXRobmRmSG9DQ3BhYjJ3QUpiVkZmTTJKakdfbVBYbHg1Rk9zN091NFl0V3dONXZjMDA2cC1QSWgxemJGdXBSR255b2c2NlRfZXBUdU95S3BKTklBLWRJU3FCMFZxYlBTN1YyT1FQS3VJcEQ5MVFZdmc?oc=5) · Altogether Funeral

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7346 (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/50.json (key "7346", 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=7346
- 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