# CREIGHTON
Omaha, NE · NCUA charter 7576 · asset band $50-100M · latest filing 2024-06 · stopped filing after 2024-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/creighton-7576

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 9,829 members of 22,000 potential (44.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.9M |
| Members | 9,829 (3.8% YoY) |
| Full-time staff | 20 |
| Net worth | $-7.3M |
| Net worth ratio | -10.9% (p0 of band) |
| ROA (annualized) | -40.51% (p0 of band) |
| Total delinquency | 4.23% (p99 of band) |
| Net charge-offs (annualized) | 0.47% (p69 of band) |
| Loans / shares | 58% (p37 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.15% (p1 of band) |
| Operating expense / assets | 43.40% (p100 of band) |
| Vehicles % of loans | 25% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 92% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 8.32% (p100 of band) |
| Vehicle NCO | 1.14% (p87 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | – |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 40% |
| Average share balance | $4,911 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $14,820 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | members leaving, loan book shrinking | delinquency rising |
| 2017-09 | 1 | net worth falling | members leaving, loan book shrinking |
| 2017-12 | 3 | delinquency 2x band, delinquency rising, members leaving | net worth falling |
| 2018-03 | 0 |  | delinquency 2x band, delinquency rising, members leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 2 | net worth falling, delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | assets shrinking, 3rd-party paper>100% NW | thin capital |
| 2022-03 | 3 | thin capital | delinquency rising, 3rd-party paper>100% NW |
| 2022-06 | 1 |  | delinquency 2x band, thin capital |
| 2022-09 | 2 | delinquency 2x band, 3rd-party paper>100% NW | assets shrinking |
| 2022-12 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | delinquency rising | net worth falling |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 4 | losing money, expense trap |  |
| 2024-06 | 9 | thin capital, capital below 7%, net worth falling, margin squeeze |  |

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

- 2025-10-16 [A Premier Partnership - Creighton University Athletics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdldCLXZ2cEZ1ZERvVXdybGdTcmJIMUZsYlVTTHlxZGJiVXQ5MVdSYndfRTgycjFOUDBXeV91WVhtSVRSV3Rxc0M4M0NSNE05T0l3bk9yblhXQmxiWVFmOHBWQTVObUt6ZzBsNlF1Q1FtZk5KWUNaakg2R3dGQjNzWnJrYzdqRWNM?oc=5) · Creighton University Athletics
- 2025-01-07 [Audit reveals Omaha-based credit union’s $12 million loss was a result of decades of fraud - WOWT](https://news.google.com/rss/articles/CBMiswFBVV95cUxOWmNVM0hTZzUwZlRCeV9ZeXRSeXNYcVFPN0sxLXhYNGpEMENpU1JublpJelF6VjByakcwSWVORjNrZndLUzNZdG1YbEE1akplVnBZM2pvM0NILWNESk1wQ21fUHVJMVo0S1MzMzZwSzk1TWNzNGpiaTdQUXkyN1ZnODFYV0hocWt6TlIyTGlmdFNXakpMS0FVaFktYzJyYTRycWo4ZHgyOFl6ZUxXTjNpQTd2Yw?oc=5) · WOWT
- 2026-06-09 [Husker men’s hoops to face Butler in Chicago - Central Nebraska Today](https://news.google.com/rss/articles/CBMilwFBVV95cUxNd05CUERiX3BsbXRKaXZXVUxmMjViVGctYk1hZXQ4aTRhNjNVWTJrR05mdml3dlAxQXJqSE1mbWZ4bWlHWGU1aTRZWlVfT3pCWENmWUV6aF9aaHB6eFMwSVdrVmJkdktBRlA4dXVnSVNBT0k2T0ZGUExSTTZybHljNUdSQU84OU9yYURBZzNycXdpbXYxX0FV?oc=5) · Central Nebraska Today
- 2026-01-08 [Creighton Names Athletic Facility “The Bill” to Honor Philanthropist - growomaha.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRFVvNmRiQlNIUmhLSXBtamNNUFBHNTdnXzZxamdZcS1tQ1otcWlHdG5pb3NRa2lFR0hiRndJM21hQUJRNjdlbW9HVnJ2a1ZDcXN0SjV2VXlpTnhpdFM4amRMNndiWHExUDhmSWFLWDRWR3NwcXdlZGtNVF9GdG4tQ3JJeUtxY3ZpVnRoNEd0VHp0V2s?oc=5) · growomaha.com
- 2023-02-06 [Creighton Federal Credit Union experiencing increase in fraudulent transactions - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMivAFBVV95cUxNdTJsdHBDb2xiYTJ3cHhWRzU2OWhPSllCdGM0cXVDRWJUY3hxNXNKVUYzaE5BUVJyNUlrSWJqNTZoc2x1dWMwTUZzbFdUV2ZZbHZHSE85bGhDRFVkRHpFempZUFVWRDBGUjNFQ1dRTjFBaERON0lHOVBhM0stOFNHSjRSUzh5MWtNNXNRZ0VHM1llb0ptbzVhWHZxZ0hXN2YtakJoclY1ekRrekJ0bUVYeXdEa2s4OW1pdmRuVw?oc=5) · KMTV 3 News Now Omaha
- 2025-01-06 [Watchdogs say $13.6 million is missing from recently-absorbed Omaha-based credit union - WOWT](https://news.google.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?oc=5) · WOWT
- 2017-10-03 [5 questioned, 1 arrested in Creighton Federal Credit Union robbery - KETV](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWkRMa19IUGJ3eUFhb2d3Z3ZpNXZqay1NRzc0N0xVeXAwbXpsR3pTWWctM0Myb244UWhVZnltb1h5bFdLb0FUb01Oa0pCZGhCdG1WUU1DTWNsMk85dW9nZU9TY21DcDlxU0JRTi1ZNndhdVpKdDh6ajNnVE1vdUNlLXpxd0JzQ3lmd2VwWDF4S2FZejNfcU5qNQ?oc=5) · KETV
- 2025-12-13 [Kentucky volleyball clinches spot in NCAA Tournament Final Four - The Courier-Journal](https://news.google.com/rss/articles/CBMilAJBVV95cUxPUjd0dmUzXy01UnVPcjVnRExrbDM3Z2hmUmhBOU5zNGdnS2lCY2VHSVJDZ2lYcktKT2EweWNsQV8yVVZPdERtcXg0NnlHd0RWMHlYVllpcWFCa2VMTkZ2cGJiY3RVR3BvMEtJSFl1bllFdHd1a2JoVGVNaGg1cHRWSzhJc0Jtb3g0SnFSSElfWkZLaTFhMXZrcE1ndndPellVWDJxNUlQRWFlV0tldWsyaEZJR01ucW9reC10dzhrR0JZYWZqTHYzZTlvenNPSy1URFFHc19NRWVVSXBlNUExb0N4Y1NmaWFBZ0ZBUExSSUJmSGt1NkRiTlk0ekhkQnRKZG9OWFRxRUhaZzBnRXdqWkRBV3M?oc=5) · The Courier-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7576 (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/24.json (key "7576", 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=7576
- 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