# NORTHWEST CONSUMERS TRAVERSE CITY, MI · NCUA charter 8077 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-consumers-8077 Who the members are: federal charter, community charter, organized 1952. 2,297 members of 9,000 potential (25.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 49. **Verdict on the desk:** this could be *auto monoline*. 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 | $25.9M | | Members | 2,297 (-2.8% YoY) | | Full-time staff | 7 | | Net worth | $4.8M | | Net worth ratio | 18.5% (p68 of band) | | ROA (annualized) | 1.03% (p71 of band) | | Total delinquency | 1.35% (p69 of band) | | Net charge-offs (annualized) | 1.59% (p91 of band) | | Loans / shares | 62% (p55 of band) | | Cash / assets | 28.9% | | Borrowings / assets | 0.00% | | Net interest margin | 4.38% (p69 of band) | | Operating expense / assets | 4.83% (p76 of band) | | Vehicles % of loans | 64% (p53 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 1.11% (p67 of band) | | Vehicle NCO | 1.83% (p92 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 20% | | Credit cards % of loans | 8% | | Unsecured % of loans | 10% | | Commercial % of net worth | 0% | | Core shares % of member funds | 67% | | Certificates % of member funds | 5% | | Average share balance | $4,604 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 49% | | Loans granted per 100 members, annualized | 8% | | Average loan balance | $11,290 | | Loans granted, annualized | $3.5M | ## Flags firing in the latest filing - **delinquency 2x band** (`aq_dq_high`) - **charge-offs p90** (`aq_nco_high`) - **assets shrinking** (`shrink_assets`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 0 | | | | 2016-06 | 1 | delinquency 2x band | | | 2016-09 | 1 | | | | 2016-12 | 0 | | delinquency 2x band | | 2017-03 | 2 | delinquency 2x band, delinquency rising | | | 2017-06 | 1 | net worth falling | delinquency 2x band, delinquency rising | | 2017-09 | 1 | | | | 2017-12 | 0 | | net worth falling | | 2018-03 | 1 | charge-offs p90 | | | 2018-06 | 2 | net worth falling | | | 2018-09 | 0 | | charge-offs p90, net worth falling | | 2018-12 | 0 | | | | 2019-03 | 1 | margin squeeze | | | 2019-06 | 1 | | | | 2019-09 | 2 | delinquency rising | | | 2019-12 | 1 | | delinquency rising | | 2020-03 | 0 | | margin squeeze | | 2020-06 | 2 | net worth falling, margin squeeze | | | 2020-09 | 2 | | | | 2020-12 | 1 | | net worth falling | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 1 | | | | 2021-12 | 2 | delinquency rising | | | 2022-03 | 1 | | margin squeeze | | 2022-06 | 1 | | | | 2022-09 | 1 | charge-offs p90 | delinquency rising | | 2022-12 | 0 | | charge-offs p90 | | 2023-03 | 0 | | | | 2023-06 | 2 | assets shrinking, auto monoline | | | 2023-09 | 3 | delinquency rising | | | 2023-12 | 2 | | delinquency rising | | 2024-03 | 2 | | | | 2024-06 | 2 | | | | 2024-09 | 2 | | | | 2024-12 | 4 | delinquency rising, members leaving | | | 2025-03 | 3 | | assets shrinking | | 2025-06 | 3 | loan book shrinking | delinquency rising | | 2025-09 | 3 | assets shrinking | loan book shrinking | | 2025-12 | 2 | | members leaving | | 2026-03 | 4 | delinquency 2x band, charge-offs p90 | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-09-25 [Philip Heinlen Celebrated for Significant Expertise in Financial Services - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxObDRUZkZ2UjJTWC1EV0RtTjlsOTlET2h1ZDJHX1BNRjFJOVBzQkRJb2pTTWY4NmxZVE5vWklraXJrOEg5d3BteV83NXEtaEpnZDViWFloLXBBUng5Q0Z0cW1pZ1h5UmV1WnNHN3lMRmVhb2ZURHpJYUNyWmdSNGIzU3hneTdRal9PRkdsQlRjMTUxeFhNb1Zfd3hfUFIyMm9iVC1jWFU3eXIzV3llbXNxbzVZQjUzSDJXWXRTcm9xaGRPSS1tREE?oc=5) · 24-7 Press Release Newswire - 2022-01-23 [Dennis Lee Lyon Obituary Jan 23, 2022 - Reynolds Jonkhoff Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5qWnkzdHpqTl9oNFVWbWNTWTI1M25PdXA1NHVYYUtwb3BpQnAzRWg5U3piWVdYZFNSZTNyNzlhdDJFQmd3dWZ1OWRUOHJJX3NoQXhsVmx0NzJGOTAxdXNfM3pCNFpNMVE?oc=5) · Reynolds Jonkhoff Funeral Home & Cremation Services ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=8077 (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/13.json (key "8077", 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=8077 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide