# KANE COUNTY TEACHERS
Elgin, IL · NCUA charter 95015 · asset band $200-500M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kane-county-teachers-95015

Who the members are: state charter, organized 1937. 30,381 members of 50,000 potential (60.8% of the field); checking penetration 84% (share draft accounts per 100 members); loans per 100 members 164.

**Verdict on the desk:** this could be *ordinary*. 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 | $464.2M |
| Members | 30,381 (6.0% YoY) |
| Full-time staff | 97 |
| Net worth | $44.9M |
| Net worth ratio | 9.7% (p30 of band) |
| ROA (annualized) | 1.25% (p86 of band) |
| Total delinquency | 1.31% (p86 of band) |
| Net charge-offs (annualized) | 1.04% (p91 of band) |
| Loans / shares | 79% (p54 of band) |
| Cash / assets | 15.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p81 of band) |
| Operating expense / assets | 3.54% (p50 of band) |
| Vehicles % of loans | 28% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 8% (p26 of band) |
| Vehicle delinquency | 1.48% (p86 of band) |
| Vehicle NCO | 0.96% (p73 of band) |
| Repossessed % of vehicle book | 0.22% (p87 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 32% |
| Average share balance | $6,336 |
| Participations bought / yr | $0 |
| Participations sold / yr | $24.4M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 164% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $6,625 |
| Loans granted, annualized | $110.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | charge-offs p90 |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | thin capital |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 3 |  | net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | thin capital |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | charge-offs p90 |  |

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

- 2024-07-31 [equipifi Launches Pre-Purchase BNPL Solution - Finovate](https://news.google.com/rss/articles/CBMidEFVX3lxTE9tTjNwZUFVNUprQ2tHUXNIeE5hd3JqZ2JWZ2h2WS1ULWxYWUUyaUxLbWhJbHNUU2lSMVg5dUJDU0d4bklrRlpEYjRoMzVhT0NTR01MR1YycUNXSjRRWWlIb2R1azJjdF8wdm9ITWFMOVhfbzBj?oc=5) · Finovate
- 2019-05-21 [Credit, debit cards supporting U-46 schools to launch this fall - Daily Herald](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSVdWSm9IM3lBNHhxcEJrZ2RJZy0xanVVbHRfdWx0QzMtbWJFaHJBT2wtOUVENHNjc0VYRF82SDUza1doMmRKYWdxNGY5VlZtdGlOUlRZb2hWcDhLRWRtX091UWxaMXFKRFZMZjZEYnRoWUhfc0VKMVZMMXFfdVBjbl9jM2k2SkhLdEhXWm1DZGlIQTFHdzFEd1dSRGhtcGpTaURsY2liYVM?oc=5) · Daily Herald
- 2024-10-19 [Home Sweet Home Chicago (10/19/24): David Hochberg with Rae Kaplan of the Kaplan Law Firm, Sergio Rodriguez of the Kane County Teachers Credit Union, Integrity Concrete Coatings’ Adam Katz, and Steven A. Leahy of the Law Office of Steven A. Leah - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2015-02-10 [Brian Bultman Begins as CFO, Executive for Organizational Resources for the Church of the Brethren - Church of the Brethren](https://news.google.com/rss/articles/CBMicEFVX3lxTE5jVVhTaVlEaFJkUHFvUzlFMWZJTFZIVWN3YVVfNjdBWGI5Y3ZnLXUtYVlBcy1xNGl6YXE2TEdvMzlwT3NqUEJjY0E3T1gtc1MyNGxlejVPS2FtQVpxbWx0SldIZU5RM3pKSkRjcjl0Qlg?oc=5) · Church of the Brethren
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2024-06-09 [Howard Burns Obituary - Aurora, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMidkFVX3lxTE9iN0FCSkk2eGE2U1NHLXplMG5BSS1sVjlvb3VCRXNQdFF3TWlseGFmZkx0TGZPekw2amtzSzhGam5HY0ZBbEwtRnVLYnNQQ0tULTR1M3h4ZjlfajBFX3p1eTkxcVkySE9qNkQ2S3FCemNyQ2NhVWc?oc=5) · Chicago Tribune
- 2021-10-29 [Debra Christenson Obituary (2004) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRTdtd0VndzJ0M1o0VWxLUXVzNEEyUWxoM2p2TW9YMGZ0QXJuWVNYeE5pT1J0VHZPZXNCMHo5RXh4X3NfdGVMaXdKOEg2OVJIVERmVGlMckJzMjcxMlF5T04wZGxqNGJQY250b3VyMXpTTk96NExqY0hyVk0wTkVsT0xSQWM5SDhHVjBOOWxQcmZCS3dHZkM4?oc=5) · legacy.com
- 2024-05-04 [Home Sweet Home Chicago (05/04/24): David Hochberg with LightQuest Outdoor Illumination’s Mike Long, Joseph Menolascino from Kane County Teachers Credit Union, and Perma-Seal Basement System’s Joel Spencer - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95015 (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/39.json (key "95015", 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=95015
- 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