# SERVICES
NAPERVILLE, IL · NCUA charter 96066 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/services-96066

Who the members are: state charter. 2,736 members of 20,000 potential (13.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 94.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $404,626 |
| Members | 2,736 (-8.8% YoY) |
| Full-time staff | 0 |
| Net worth | $279,257 |
| Net worth ratio | 69.0% (p100 of band) |
| ROA (annualized) | 1.59% (p87 of band) |
| Total delinquency | 2.20% (p80 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 24% (p8 of band) |
| Cash / assets | 92.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.30% (p6 of band) |
| Operating expense / assets | 0.93% (p2 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 100% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $41 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1,160 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 94% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10 |
| Loans granted, annualized | $1,160 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | assets shrinking | delinquency 2x band |
| 2017-12 | 2 | net worth falling, delinquency 2x band | assets shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 2 | margin squeeze, delinquency 2x band |  |
| 2020-06 | 3 | loan book shrinking |  |
| 2020-09 | 2 |  | delinquency 2x band |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | loan book shrinking, delinquency 2x band |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 2 | delinquency 2x band, members leaving |  |
| 2022-06 | 1 | net worth falling | delinquency 2x band, members leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 3 | loan book shrinking |  |
| 2023-12 | 5 | assets shrinking, members leaving |  |
| 2024-03 | 4 |  | assets shrinking |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 4 | margin squeeze |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | loan book shrinking |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2026-09-04 [Land of Lincoln Credit Union acquires Williamsville State Bank & Trust - The State Journal-Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxOWUJBcjFHMEtXR3BiamdlcTlPVnV0U0ViMDBMemJNNk55RU5kbXFBVHVuSFhIdVI2TmJNZXlabWlCVFVJS3IwQ3BORFFKRS1aNDRXalR3SE5SdTJOR2YybEZEZlpkQkt5V3pQTHk5UzZyTzNzU2NIamtsY2JEQm05dkRqb05PQkhka2d1WEhneUNaM29vRFFjQjVYVmlYYlBWZ3NESk9uUHd3RXN1a1A5TXhtWTJKNG5FTGRZRm5abC1kdzNYWDBzTXN3?oc=5) · The State Journal-Register
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News &amp; World Report
- 2026-04-17 [Best Credit Unions for 2026 - WSJ](https://news.google.com/rss/articles/CBMie0FVX3lxTFBVY0g5LTgtYUY5VGpNYnJoaDBYUmkyWE5QQXFWd1EtaldmOTNQc0tMQktLRm1meHdkbGliQWpnOS1lQVJUckRNU1lUV21jMVlZWGNhcEowdjBQa0FZVDlOQ2ZaTHhkZmlSclh3LWlIWjcwWUwzM0M4WTJfbw?oc=5) · WSJ
- 2026-03-09 [Heartland Credit Union selects Aaron Rios as new CEO - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxPRVc0T3Y1OU9MOEZxTzBrbEdVQl94Ui10VjliLUN0YXZrVTNxNHRPNkY3alFjWWljWnIyanpLMGJXX2piMVBuT2Ywc2Z0bWRHU21ua1h5ZXpKdHY0TjVkWUlyUzZ4eThjd01vV3pCd2d1WFRYZi1ab0FZWnR0bUlyREdVeFlka3lNNUFuSm1vUDVaZmlnampkVg?oc=5) · CUInsight
- 2026-07-15 [1st MidAmerica Credit Union expands to Springfield with new full-service branch - Illinois Business Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPX1BCRENvYVZ4STc0bjBDdHZJWFdLWHZzQ3lSRnYwbkJWSW15WnNBY3E4NWdjcjlqZGNjUW5aZ3NhRE9hTW0wTElFcGZleVROQVd4VXpFZXFpUkd6U1BILTdBaVcyeGZrd1FZU2lRZ293d3N6UWwwdWNoWWJ4eUhRQkd0UTJvME5Md1FsTkNmY3habU9WSDRQblFzTVQ4X2tNU0dEMUpmZE1hN1lLZ04ya2ZBNWR5ODVpQV9DaklDQnlDUQ?oc=5) · Illinois Business Journal
- 2026-03-19 [Landmark Credit Union expands into Illinois with branch deal - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZjJEV3QzVGxhSVFobnRGS0NLY2tYMjZUWE04WDBhOUtNMFdndFhuV1Z2T2pFczByVVdSWHlWOThPME9kZy1xS1VjM1lyMjNhNlNOVm54LVFOSmZQcmlJb1ZzVGstOE1lbjF4ZFRyVU44a1NTaGxEUjMtY2Zma0VVanRIa05fVVU3cnpMU2hrdFdrck9Qa0x2VzdMRDlRaGFma01uNQ?oc=5) · The Business Journals
- 2026-06-01 [10 best credit unions of 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcTBVV051REpTUVBkWnRsX1RrQVFLQmZEWk9vZUswOVBQNHZJX214Rm1NWEp1dHFVcWdMenVoYmY4aHE2LW9ZN1FyZTZ5WHRCaTRINGQ1VEJUaXdhLTFXVVJGc1RCSmlWZ2ZHdWU1OG80MU8xNzNCS2wwS1ZORGNfMllhcWs4a0M3M0ZLR0ZwQ2pWRlVFb1Vz?oc=5) · Yahoo Finance
- 2026-08-18 [Congressman Brad Schneider Joins FHLBank Chicago for Roundtable on Housing and Financial Services Issues in Illinois’ 10th Congressional District - Business Wire](https://news.google.com/rss/articles/CBMiqAJBVV95cUxORy1sY2FzNDlDRjdSNXZKdUktbTFnY1dhSHlWZzNGWVVnQTVUUkZuME1uZmo1eHRhTkMxWFJBOC1RNzBoaFAxaExZdmlHVEppaHgwdmY3V3RwOWI3RF84WE1DZGVsSlRRZmMteFNwejAxMm45YUV0X0JrSWZlYXd6dzZlNHNiYms3Z21kelV0ZEpPcUVXcEFkY0ZmVEN5aGttQ3IxWE5EUFJaNVUzY19HZ01SYkZsRGRlZk5aak4tRDV3SUs4M2QwTm9tSlJJdzc1Z1Y5a2J3VURzc2E5QnZNR1VqWG5BSzRWdmU4TVRwbUlaeTB5cDlBTTd3YVdkUEJvNkFXMXA3cUhqYUFwVE5vUzgwZks1UlNXRTdhU0FTelZlV0l6WWw1VQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96066 (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/2.json (key "96066", 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=96066
- 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