# MARQUETTE COMMUNITY
Marquette, MI · NCUA charter 7873 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marquette-community-7873

Who the members are: federal charter, community charter, organized 1952, low-income designated. 8,230 members of 216,685 potential (3.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $116.3M |
| Members | 8,230 (-0.4% YoY) |
| Full-time staff | 14 |
| Net worth | $16.8M |
| Net worth ratio | 14.5% (p80 of band) |
| ROA (annualized) | 2.14% (p97 of band) |
| Total delinquency | 0.72% (p58 of band) |
| Net charge-offs (annualized) | 0.32% (p48 of band) |
| Loans / shares | 56% (p26 of band) |
| Cash / assets | 20.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p68 of band) |
| Operating expense / assets | 2.59% (p14 of band) |
| Vehicles % of loans | 72% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 147% (p78 of band) |
| Vehicle delinquency | 0.61% (p53 of band) |
| Vehicle NCO | 0.49% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 1% |
| Average share balance | $6,648 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,833 |
| Loans granted, annualized | $22.0M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 2 | delinquency 2x band | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 4 | net worth falling, delinquency 2x band, members leaving |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 2 |  | delinquency 2x band |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 | delinquency 2x band | net worth falling |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | thin capital |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 4 | auto monoline |  |
| 2021-09 | 2 |  | margin squeeze, net worth falling |
| 2021-12 | 3 | delinquency rising, members leaving | auto monoline |
| 2022-03 | 2 | auto monoline | delinquency rising, members leaving |
| 2022-06 | 1 |  | auto monoline |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | auto monoline |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 4 | delinquency rising, 3rd-party paper>100% NW | thin capital |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2019-05-06 [Marquette woman charged for unarmed robbery - Upper Michigan's Source](https://news.google.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?oc=5) · Upper Michigan's Source
- 2026-03-31 [Jeffers competes in HS Bowl - - The Mining Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPNnF6bWZQRXRmVENQbTFLTFRMY2pFdjZuRWtacDdwTFhKY2tDVEFjeHZNcjE0SDlCVG1icW1BVHJRSzZKYTBPZ091LXdTRjNnVFdaakpYQXQzRmZCZ0NkSTlrX0xtNy1IZ3ZVRnVYemI1aHQ3UkhaNVZwTWRiSkhCSW1rcVE0RHE5?oc=5) · The Mining Gazette
- 2022-01-05 [Manistique Emeralds compete, win in High School Bowl tournament - Pioneer Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUDVLTnJqYUVKRW5XdVo0TGkxc0VHNzFnbUpONW9kQUM5OWlJMkxMLWk1eDFsVm1uWDEyV1JOV1Y0VVZ3V0E0X0RfNXZmSjFocUhtZm1GT3FFWmtTZG9GakZiaWVCS2J1NTktTG1mWG4tTDhnRlB3N0ZGT2k2em4wM3pJWjFnOVRTVUtFNVE4ZXpFT2hydzNvTHFaQXlRTjdhX0xPS1h3?oc=5) · Pioneer Tribune
- 2023-12-06 [Randy Girard announces candidacy for 109th State House District Representative - Upper Michigan's Source](https://news.google.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?oc=5) · Upper Michigan's Source
- 2018-11-25 [Carney competes in HSB - ehextra.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc0dTWG4wb3MxaktJZVQ2TGtDZkp6aE5XQWFibDI5bm12NzE0NlFsaWlWcnlCTzIwY1J1VTBsSERYQlJtcDdrdmdyWmZhbHg2eEpYRXBTRXZXcGQtUzdYaEhKQWN4QjhwUVFhMTJ4XzhyTmFmVFdkcEZQWk45TjlrYVQ4enJtcEtCOFM1a2RFLXZiWG5Uc2dTQl90c1c?oc=5) · ehextra.com
- 2024-03-15 [Daniel Joseph Fetterhoff Obituary (2024) - Marquette, MI - Fassbender Swanson Hansen Funeral & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNOXBBemswZlA2Ulc4aV9nT1lyY21naGFxMnZHSURZNGhyZjN1bVJuMFdwQjY0T2Z0MFVoTGl0WVZua1Z0Ui1rQXJqYTRONkpDLWx0OTZLSVY5b19xT1E3eXlBczVMTXZWbGhFUTMtX3dYUS1DSmhjMW50MGM3RE9VM29PcXh5cjQ?oc=5) · legacy.com
- 2026-03-03 [Jeffers Competes in High School Bowl - - The Mining Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNjktU2N4b1NIWFpfWld2b0ctemZsb3FUdm5EbEJnajlJQkdTYW9BSWlwSmp6M2p5d2JCTzdla0RPZ2xYT3kxWEE2d3k0Q3RLSWl6S2Z4SHpJNUxpaU1UR0FNOHY1cDY0UzVabk5hVUwxZ0dydi13Y21kUXZNM2Z1TUJqTlNreTVIb08wa29yXzNXdkxI?oc=5) · The Mining Gazette
- 2024-04-16 [Houghton takes 2nd place in HS Bowl - The Mining Gazette](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWTF1WHRraGk0MGlxTjdZSVRJQXBWV1dDejY2c0x3aEhrcVlTcWxTTDNvLVQ1bDZIdlR6TXRnYzhHTURkUmhEX3pXYUt6MUlfaW85RTg5S1AyRjN3Nl9TN3RzNUxJZWdQTm8tQURkYjR0a2pQVVVlY0MwOURBM2ZLbzlBT1lkendZTEYyVEI0d3V3YjA?oc=5) · The Mining Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7873 (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/1.json (key "7873", 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=7873
- 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