# GOOD SHEPHERD
Chicago, IL · NCUA charter 81117 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/good-shepherd-81117

Who the members are: state charter. 76 members of 157 potential (48.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 4.

**Verdict on the desk:** this could be *too clean*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $101,033 |
| Members | 76 (– YoY) |
| Full-time staff | 0 |
| Net worth | $10,228 |
| Net worth ratio | 10.1% (p30 of band) |
| ROA (annualized) | -0.29% (p19 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 2% (p0 of band) |
| Cash / assets | 86.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.27% (p0 of band) |
| Operating expense / assets | 0.58% (p1 of band) |
| Vehicles % of loans | 0% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $819 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $624 |
| Loans granted, annualized | $7,488 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |

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

- 2026-04-23 [Sandra Buser Obituary (1942 - 2026) - Sterling, IL - Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUHVhWVVwVl9FQll4MVQ1ZHNhNjN3R2l4eUdlZFJlMWJrWEZWbHNreW80YjZKR0JabU1QUUpBY1hJWlJCNG90Z3NXbGV1TEpOdkJrVy1ybU9jazZOX1Q0aEpQcERkTV9Dc2Q4a1hua2lkZHBhc3E2SDNNWTJBT2R4b0U5NDFGYS1sYnNyQk5HVzdyTGs?oc=5) · legacy.com
- 2023-10-18 [Marcia I. Butcher Obituary Oct 18, 2023 - Major Erickson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMidEFVX3lxTE01dy1jZ01kZXphaTdGRV92elMzQ0tkRE4xOXFmaG9GbXEzaDMwekp4LU54WkRqWTdiUVlVNXBqaTlqU2N2VUtPTDJJOF9Td1J0VVRMamtxb3NjM0VpZUZYYzNaOW1CNVlfTVdjTkthb2dmclMy?oc=5) · Major Erickson Funeral Home and Crematory
- 2022-06-15 [Robert L. Ward Jr. Obituary - Ocala StarBanner](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9KSjVOY3V0dVN4M28yamg5dmxtbFhLaGJtSTlURVFaVGR5YXRoaFJkY2ViU3Zqb0RVaVNuTFczWUtNbFl3UWdMakhnUE1XSDU4WDBoTXdTVQ?oc=5) · Ocala StarBanner
- 2014-06-10 [Barbara J. Rosenberry Obituary Jun 10, 2014 - Parthemore Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE5YTDFqNF9fWjJna2NFaUtnLVQ4NlNCbmMtRXE0d0VvZmFReGlhWGxwN3FCaXdYM01wYkxCV01FZmxpWDk0WkhGS0J4MmVNano2SVpSODB3WktXUklZMmprQWl5Y2ROYUlIb2c?oc=5) · Parthemore Funeral Home &amp; Cremation Services
- 2024-01-07 [Joan J. Watson Obituary Jan 7, 2024 - Major Erickson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE5xeXRMemNWTGVCZlh6andETW9jNlROLWNiaWxYSFgwcUlDWndMaWpxbFc2dzZIQWFyeFZNOWc3LWFBaDVfRXlkV1RNbHJoalFyUFI0eTlQbWhwVXhOc08xRHpFNElaT05IR1BGVktpUHc?oc=5) · Major Erickson Funeral Home and Crematory
- 2015-09-30 [2015 CLC Foundation gala raises record-setting amount; honors Ed Wehmer, CEO of Wintrust Financial - Daily Herald](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOa3BXb2dDMnQ3SmlOSjlzRkJQMEdPeWVPdmFQV1JSQ2NBQ2hxY1piTXlyZmxsTnRmR2hhNHB3T0w3WENCS0ZBdU1od2ZnRHZ2RWxoTVN0X0lYNGZmUmptWnFWSHhxVnBUTF9FQmVYdmxtSUt1b3ZuUF95Q0lGa01MWGJsd2k0TENkRmlNX1phS1dDLVlGdzNNa2xJMTNTZzhGenozV29lbmdLcEFWYThPUExuZ2ZVR2NjQnlyMmJiYjFMeF9EYXFzSUZZbzdGbnJKbEMtNnA1TVR4Z0NCWHV3TGpOVGUxQWM?oc=5) · Daily Herald
- 2026-02-26 [James Timothy "Jim" Skadden Obituary (2026) - Colorado Springs, CO - The Springs Funeral Services - Platte - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQUUdLV29zMjZLel8xU1N0QzZHdXZfMnE2bzFnc1JZQ2JtZEtWVTFfMGFOVnI1c1dfa01QV1RMX05uNUJtZUdBRVFBdWdRbEdCdmNENWNqQjMzWVFURmlncl9HX1JzTTlrbEI0RTJkc3VaNGZnZkYtdXZJYlJTd2RVTHZn?oc=5) · legacy.com
- 2021-06-05 [Edward LeRoy Obituary (1927 - 2021) - Albany, OR - Albany Democrat-Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQVpSVk9yVHliR3pKcGU4REpPVDk5bFhOVWVoeGZ3VHFaMU1ZSUpDczRXRkYxN2pJRTNCbUdSb04tTThWdmRkZVFQOUU3STFRTGQ2MW9BaGJzUmRpR0sxdGhyaUcySHo3WGxhbmZTZTNMWExnV0V1NHJmQnp5UVIyeGt5R0RnZDluMW1jcE50WjJnakI0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=81117 (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/29.json (key "81117", 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=81117
- 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