# DUPAGE
Naperville, IL · NCUA charter 97084 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dupage-97084

Who the members are: state charter, organized 1955. 48,466 members of 850,000 potential (5.7% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *participation buyer*. 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 | $595.9M |
| Members | 48,466 (-1.1% YoY) |
| Full-time staff | 134 |
| Net worth | $57.0M |
| Net worth ratio | 9.6% (p33 of band) |
| ROA (annualized) | 0.25% (p19 of band) |
| Total delinquency | 0.40% (p30 of band) |
| Net charge-offs (annualized) | 0.46% (p53 of band) |
| Loans / shares | 88% (p71 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 4.70% |
| Net interest margin | 4.49% (p95 of band) |
| Operating expense / assets | 4.97% (p95 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 193% (p72 of band) |
| Vehicle delinquency | 0.55% (p48 of band) |
| Vehicle NCO | 0.55% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 27% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 18% |
| Average share balance | $6,241 |
| Participations bought / yr | $49.1M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,724 |
| Loans granted, annualized | $168.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | 3rd-party paper>100% NW |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | expense trap |  |
| 2019-12 | 2 |  | expense trap |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 3 | margin squeeze | delinquency rising, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | net worth falling, expense trap |  |
| 2021-06 | 5 | delinquency 2x band | net worth falling |
| 2021-09 | 4 | auto monoline | margin squeeze, delinquency 2x band |
| 2021-12 | 5 | net worth falling, delinquency 2x band | expense trap |
| 2022-03 | 6 | delinquency rising |  |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | leaning on borrowings | delinquency rising |
| 2023-03 | 7 | net worth falling, charge-offs p90 |  |
| 2023-06 | 9 | losing money, loans>95% of shares |  |
| 2023-09 | 8 |  | delinquency 2x band |
| 2023-12 | 6 |  | net worth falling, losing money |
| 2024-03 | 4 |  | charge-offs p90, loans>95% of shares |
| 2024-06 | 4 | assets shrinking | auto monoline |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | thin capital, assets shrinking |
| 2025-03 | 2 | assets shrinking | leaning on borrowings |
| 2025-06 | 2 | members leaving | assets shrinking |
| 2025-09 | 3 | expense trap |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | net worth falling | members leaving |

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

- 2024-11-25 [DuPage Credit Union appoints Roberta Kozlowicz as new President and CEO as Diane Shelton announces her intention to retire at the end of 2024 - CUInsight](https://news.google.com/rss/articles/CBMijwJBVV95cUxQREhDX2tzOWFtT1FoYXFNRmtFN211ZUFPSmVWeWFXY0dpZHg0MmVYYUFYVC1YWFhsSFJ0OWtUV2N3TGhPR3VhV1FsSVRSczlNLWt1ZDNsY3JjaG8wOHRpTk9UbU9uNW5ocnl4N0Q4bzd4Q3JtRGtPOUZLNnhqNmNLZDAyZ2ZLbVlBLTdVMlZFdDJPc3pORmNYcHRQVXl5WWhYSGktSEhuUnh4X2JMekw5NnFSWDVhbVdxcFJZQlJUcUZZNHlBNDJ5MmhtcmFUeWp0eEl0OWNIRWlDVjJxM091NmZobEUzeWVZaU9YSDRLdzctaDdfQldGeDBWd0kyOG0zUGhFUzlnVkxMTU8tb2c4?oc=5) · CUInsight
- 2022-04-16 [Naperville man charged with robbing $14,000 from DuPage Credit Union in Downers Grove - FOX 32 Chicago](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOdUthaTZmSHhrbUh3Tkd5T2MtRENiSDk2eElMaGpnc3htYW1SVEVsa1BXU21XLXo3TXJ4cXZQX2gwZUhoSkJBWktxRDFvdGxnZUt5ekxfVjBNMDN5MmljWC1rS08tdVB3NEZCNk1aZWJYRVBQSEtWYjM4SlBkLV9aY0FneVhrTURVR3NxcDQ2U3NnamtiRXBnZXFvaXJkQ1V0b2ROS0hucXY1WWZBZFN0MF85UTNZVmhx?oc=5) · FOX 32 Chicago
- 2024-12-18 [Jason DeGarmo named DuPage Credit Union Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZTRQN2VleGRnMU5tX1JhV2RKVkZWTEpVMVRBX0FxVmJaQm9nZkh4ZkhWM2t1VldFNEVVdVFMQzg5bVFDS2dUMFlMQzV0OFpxOTBOejVOaG9XZUFtYlJxbXJHUnVCODVsbmVLR09wbk9UYjcySlREMWRzd0NZRDRVdzVVNUhuZTZkaHNqUUdPMG9tekFmZ05iZ3h1S0tsZDUzNlZJUQ?oc=5) · CUInsight
- 2022-04-18 [Naperville Man Charged In $14K Bank Robbery In Downers Grove - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxQd3FLWkxvdndMTV9KWi1hbEd4WU9IWkxiRFo4NUZKaC1nckl4a05NRGNwUWNfUTlUZGdUS3JTNi16eWxBc3hCWFRvSVMyMjV0cEhsdy1aTDQ1UlVXcXh0MHpRbHlxX0Y5eEhDcHNKWEtRREVNZ0ZNTnE0bGE0WFRCcXV1NlNiSU52NE9QVWpiQ3g1UXZ2aUE?oc=5) · Patch
- 2025-07-21 [Naperville bank robber sentenced to more than 7 years in federal prison - NCTV17](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUnBOT3lwVjhKeDFqd3pRZEcydGItdHcwUzVYeEdyN05VLXJuR2ZrWm5GdVBjUzZMTGR6TWZHYXBHcUxiUVVQOVUzamtrWnRwaVVod2ZrS0ZvNUFiVmJ0S2dMVEpmdEdKN0YwLUtRLS11SXRqSFdTZGFDaXd1OXZaYndELXlpRWVJUDZpTFhWbFY1N2xkZXpwc2V0MndPVlBrVmfSAacBQVVfeXFMT2FFN2RxeHpidmFWMTVKd1A5ZTM1RWdpOExVbTdSLVNBc3VMX0drS3d5Z3dkYTVOTkRTa1RNTFRzM01FTVZxYkJYLTljNXNBMHowR3h3LUIzMUp0bDdZNlNZWExaM1pWWm4zZHJQZ0NHczZRbkE3aVJ3X2ZnU2VQd3R4Rlhyd2pseUxjaVY3aEYtRUYxTUM4MnI3MWNzZ1VjcWdOQ1p0Q1U?oc=5) · NCTV17
- 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
- 2012-09-14 [Former Employee of DuPage Employee Credit Union Faces Theft Charges - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxPLUdhZGVIbkRQOHZsMTNFS3dENk42ZTVQSlhoRXBXTXFtZ2w1S051bFhkeGNQaUEtOVFmaTg0YkJYbVhBQXlpUHlrNDJvV19CMjdXQXVvV0c3TmRwMUktOFZpNElvTTl0czFXZEhSUXZHbTFTMkhGeGV0T0ZxTE40UDViOWNmdGJ1UzNCdEFaaFM0ME9YbUowUDh3dnJhOEVTNzhTOHN3?oc=5) · Patch
- 2004-12-28 [Jerril Satterlee Obituary (2004) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQOWhjRUViSnJhZFgwbmpxamFDdzk4d0JDZ0tqMTNxUlZET1JXU3Rsd3VCcU1SWEFlNXZ6eVEzdXJDM3RyYkdmZUoyTVVJS3dvN3R1ZnFLMjg0MkM5Q3dmVjBnRDNqX1dxUS1RaW0yMk5kVUo2bXV3WkwxWGtKRzREaGNGekxmNEM3NExWWElrZ2VrR0d5Q3c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97084 (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/60.json (key "97084", 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=97084
- 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