# ABRI
Romeoville, IL · NCUA charter 97086 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abri-97086

Who the members are: state charter, organized 1949. 27,770 members of 1,617,792 potential (1.7% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 368.

**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 | $387.1M |
| Members | 27,770 (-0.3% YoY) |
| Full-time staff | 80 |
| Net worth | $44.4M |
| Net worth ratio | 11.5% (p54 of band) |
| ROA (annualized) | 0.13% (p12 of band) |
| Total delinquency | 0.92% (p75 of band) |
| Net charge-offs (annualized) | 0.76% (p81 of band) |
| Loans / shares | 68% (p38 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p57 of band) |
| Operating expense / assets | 3.92% (p60 of band) |
| Vehicles % of loans | 26% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 24% (p32 of band) |
| Vehicle delinquency | 1.07% (p79 of band) |
| Vehicle NCO | 1.82% (p88 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $7,577 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 368% |
| Loans granted per 100 members, annualized | 164% |
| Average loan balance | $2,296 |
| Loans granted, annualized | $37.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | thin capital |
| 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, charge-offs p90 | delinquency rising |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 | thin capital | margin squeeze |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency 2x band, delinquency rising | thin capital |
| 2022-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling, delinquency rising | assets shrinking |
| 2024-06 | 2 | margin squeeze | net worth falling |
| 2024-09 | 1 |  | margin squeeze |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 2 | delinquency rising, assets shrinking | net worth falling |
| 2025-09 | 0 |  | delinquency rising, assets shrinking |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-05-19 [Abri Credit Union selects Jose Guzman as Vice President of Lending - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQR2JkUXBNcmdEVkdsdkh1cmhnWWM2QVpQNDczREc5Uk5iUy1JSXo3dXkxaGRLOHR0Rkp0ckdIUXl5Sms1b1ZfMEJCbHJLSzdzbEw3UWVfOUluSGZrNGJXcUN2TkswUFhKY1I1TTg5dEl0UnVsX0t3aFNuRVRWVC1LZU5YamhaaTA0NWVnNmJwbEJySDlVZEZGMmVLcW9TUVpRX0gydllyM0JTNzQ?oc=5) · CUInsight
- 2025-05-15 [Abri Credit Union selects John O’Brien as Vice President of Finance - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPb0wzcHdqNWJhbnNXZlBWOG9yMGRVWWhVaEt1UTdLR28tQjFMTkdpQlQzbTdST3RDRkFrZHNoeU16NlFfNGNYR09acUItY0x6VDZudU03YmxhNkFwbzR3V0QxUUtaeWhfN2g2MVc3UnRJN2ZCUUdqQVU1aTVQRDc4OGJUMVBMOUFxalJjZjRpUC1Cb0xjZU5tUkhmM2dRU0JYdHA1V01mVWtnUzA?oc=5) · CUInsight
- 2024-01-01 [Abri plans new Joliet credit union location - Shaw Local](https://news.google.com/rss/articles/CBMingFBVV95cUxOcGJmSmVJLWlPRFZzZjhDQmc1cU1mMkh0TXVPVWt4aGpaUVlobHRYWnJzLXZUSGU2ZVdPcjFONkdLaWM1SFZrQ1FBdjZwZENqNDRYOHUyQndhLTRqVDBpcE1ta1F5VUJmdmVEdE1Pa1Z0Qzdvb2ZKMTM3RzJ2RG82R3RSVk1vRzk5aEUzM0psMVQyaDRla1p6WkpDY3E2QQ?oc=5) · Shaw Local
- 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
- 2018-01-21 [Obituary of Gregory C. Simonich - Fred C. Dames Funeral Home and Crematory](https://news.google.com/rss/articles/CBMif0FVX3lxTE9pTzdKSWxiVkk5RTJ5bWx3bXZaMVBxUjFhSEFsWklHUE5zU25mYnNRSWVjN3hNS1psTFlUYWRaemM1eGFtR3p5bEFoT0Zady04cVI1blRIcURVdlVTTmxqMzd5WjNaeXdLVUM3U2pSdUlVcWdtS1dEd3U3eEZyNEE?oc=5) · Fred C. Dames Funeral Home and Crematory
- 2026-01-20 [Paul Wheeler Obituary - Chandler, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPUlEtQjlEcnlMZXRnNzB0SDIzaFVwSW1NUjlSNkt3eFVyc01KRzB0ZERjd3pmcXF5SmJ0cW1iTWE3NkwtcGZwUUppODh6aVBTcGhoTnZ0ZjJXVFREeUpxd2xIUmRpNUdwc0UyLW5hT3p1SXJEYXBXTDBtNEFXeDJfd2xR?oc=5) · Dignity Memorial
- 2011-11-04 [Credit Union Membership Spikes With 'Bank Transfer Day' - Patch](https://news.google.com/rss/articles/CBMidkFVX3lxTFAyVzc3U0dvNzg2WGh3VWoxcnczVHR6eUlxbmYzd09UUDA5YndzNXlTSTRJbGRXZnRrV01DSVRZd09DUUJkZHBtRGxBaFhoNFRMUmdVZ2RCdk1QN2ZDV0gzMHlabG1kVnJDYm9EcDhEQzdzbDkyeFE?oc=5) · Patch
- 2017-09-16 [Downtown Joliet Festival Drew 9,000 People Last Saturday - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxOS2dtZXQxZUhSYVRIcjFLZkp6bmFPZXdBVUZGdDAzRTVfZ3lRa1BqQ05FTWdiVTEyZy1ZTUhuQllyWm9qemRHY2NUSkJCaGtSeHNuZEtNZFNpNmFRd3VSTXpOQ0RTc0dFaVN0aEstd2ZmZ1NKVHY1Tk1Rd2tfUGhULTRYQ0JFcUJXelRYUmdrNTduQ1ZY?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97086 (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/62.json (key "97086", 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=97086
- 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