# ABBOTT LABORATORIES
Gurnee, IL · NCUA charter 96071 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abbott-laboratories-96071

Who the members are: state charter. 32,884 members of 71,748 potential (45.8% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 458.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.19B |
| Members | 32,884 (1.6% YoY) |
| Full-time staff | 116 |
| Net worth | $162.4M |
| Net worth ratio | 13.6% (p88 of band) |
| ROA (annualized) | 0.81% (p59 of band) |
| Total delinquency | 0.13% (p4 of band) |
| Net charge-offs (annualized) | 0.21% (p16 of band) |
| Loans / shares | 58% (p6 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p6 of band) |
| Operating expense / assets | 1.89% (p5 of band) |
| Vehicles % of loans | 20% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p15 of band) |
| Vehicle delinquency | 0.09% (p3 of band) |
| Vehicle NCO | 0.66% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 31% |
| Average share balance | $14,215 |
| Participations bought / yr | $9.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 458% |
| Loans granted per 100 members, annualized | 148% |
| Average loan balance | $4,013 |
| Loans granted, annualized | $273.0M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Illinois - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcmxtWHBLTjFUTXlzd2Z4OFNTQngzOU0zNnRGSVNfS3JTWUVrajczNHZmMzVzVDN0eHpoZ05aOTE3M1FSQ3FjQlNBMUYzLWdkWi1Fc0RVOTNzaGY3MlNVaUpPZm5QNVVLcXNweXV6a1diV1daaVdCV1FHa3YzeEd5dkFRNk0wbVRkemtFTlU4aw?oc=5) · Newsweek Rankings
- 2018-04-05 [ALEC Announces Expansion and Groundbreaking Ceremony - PR Newswire](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZk9kUS0tUDBhV0J6VG9hS2RmX2RnVnktLVNoV0dhNVBST1NjRkpwVjBqYURIZFp5QXo0aUJJaGtQSzE1TmZwT0lkOXVEcDNwWDMtMHpCVTM3NlZuVnVTMnFzWDhrbmhqbFhNVk1DMkwzMkdoOW4zNkJyU3NOWThZWnlXRC1zODNSNzJEZ29YOWI1bUgtNFNUdjloVTliTkFILWpmZWZKNURVbEZX?oc=5) · PR Newswire
- 2024-11-01 [News - CFS and ALEC report system breaches impacting 100,000 individuals - teiss](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSGI1aDl3NnF0cVZlVlNsaHJZVWdmZk95clFrN1o0S0VWc0xsZkxFSlpSV1hxWE9YRXFqOVl2V1hYbWVMRFBYYm4yckhjSU5IdUNpenliWUNranREZWRMekgwVjN5MjZyaHV0SHRwcUtjbWNkZnplLUEtTVA2UmNmYkhZUFJqZEJlTFhKQ1pzZkY3cHY5VkhiTlB4VGJiUTA0?oc=5) · teiss
- 2022-10-28 [Abbott Laboratories Similac formula false advertising $19.5M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPSG1QLWNxZGp4SlZhY0c4MXpOWjQ3UU9pdDlwX2pYSnlxaV9Xa3Q5ZlFYMDlPM2tpYUJnYWpudFlKeWs1U0xiSTBPc3MwM09ORUtYSEVJZTViLW9uQU5fd2VVMTBNbWF2OVhOeFl3cmRySzViTTFTY3IxRjVZOUYwY1haakRSRldRX0F5YllsX1pPaklSSXphbTBCTmxfelhyQWZGdTdFRDZ2Z1kyUEJaOWVicGJ4bVVKWktWZVJPbjI3XzFWY1BsYklmenA3ZDZfRGxLRDBrNUN5ajBTZGI5aUVGVEVlUQ?oc=5) · Top Class Actions
- 2020-05-03 [LOUIS KOROM Obituary (1933 - 2020) - LAKE VILLA, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQM1gzNlNqcG9xdnp2Y3ZVTXNuWHg0ck0xT0hTSnJZbWxTRkQ2alBWY3lvRG1WOVlmV3RDQkdBOWstZ3FZcGczeDFjUnZnSUxsVFJxaW9EYkQ5SUR5OHAyN0dtbXJ0RWdBV1NUUDhCU2JIUjRjYkRkNWFYNUJPYzJLdWtYRFRSWmdGc1BnNDRKVQ?oc=5) · legacy.com
- 2024-02-12 [Luis Antonio Lopez Obituary (2024) - Gurnee, IL - Warren Funeral Home, Cemetery & Mausoleum - Gurnee - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1vQk9HNHpyVmdUZGlFZ1dfaW4wTy1SOUFOV0xUTHV3REllejJkUzFfOU83MkNvaUFzT0ozcmZVbXNoZGNWR0hlSHZ0SDJtRWJqcHFZLXpOaldtRk1OSUdCRDhOajluM3ptSWlFWGpiRDRzUC1Odi1mVFEwaVk0Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96071 (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/7.json (key "96071", 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=96071
- 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