# ACCESS
BROADVIEW, IL · NCUA charter 97097 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/access-97097

Who the members are: state charter, organized 1939. 4,843 members of 757,206 potential (0.6% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $58.6M |
| Members | 4,843 (-2.4% YoY) |
| Full-time staff | 13 |
| Net worth | $8.0M |
| Net worth ratio | 13.7% (p60 of band) |
| ROA (annualized) | 0.13% (p19 of band) |
| Total delinquency | 0.89% (p67 of band) |
| Net charge-offs (annualized) | 0.29% (p55 of band) |
| Loans / shares | 60% (p47 of band) |
| Cash / assets | 31.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p81 of band) |
| Operating expense / assets | 4.44% (p77 of band) |
| Vehicles % of loans | 42% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.60% (p85 of band) |
| Vehicle NCO | 0.09% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 11% |
| Average share balance | $6,212 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,392 |
| Loans granted, annualized | $6.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | members leaving | losing money |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 2 | losing money, delinquency rising | members leaving |
| 2018-06 | 2 | net worth falling | losing money |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | members leaving |  |
| 2019-06 | 0 |  | members leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | delinquency rising, members leaving |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 2 | net worth falling, members leaving | delinquency rising |
| 2020-09 | 3 | margin squeeze, delinquency 2x band | members leaving |
| 2020-12 | 3 | charge-offs p90 | delinquency 2x band |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | net worth falling, margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking, members leaving | delinquency rising |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 3 | delinquency 2x band |  |
| 2024-12 | 0 |  | assets shrinking, delinquency rising, delinquency 2x band |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 0 |  | net worth falling |

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

- 2026-08-27 [Congressmen Bill Foster and Sean Casten Join in FHLBank Chicago Roundtable Focused on Housing, Community Lending, and Economic Priorities in Chicagoland - Morningstar](https://news.google.com/rss/articles/CBMitwJBVV95cUxQVzBsWmpaOVJfSXRDQVNXcVlEVnlwV1hYcGhYSWFuRS1qSEpFZzQxSjRRSEtKY1Brb19yZHBJemlFYVo1SGN0SzFZZVdfb2JBNmFNeGVsaXM0NXBtcEdVLURiVVJvaUE5Vmd3dktNTFpXQkN4ZEpzaHh4M3JSaGVFeUl1LXlaamU3SU12Zm9pYkdCdWRmWV9NWUEzMURXYTB1c2FnV3ozdm01QWhUTGlLQWxMQ3p5ekdtclhZY0ZQLXV6NnMwMmlNdGc4QVpadkd6eXA5U0FqT1JNRzBQblVIQ21MRzk0RndFVFRibUlzUXZueVNVdjJLTTYtZ25NR3FTUDNUel8tdy04RENNZUJLNHdwWXVpUUc4RzZ3MjRxUFdIMTNhOWpIZVJSbkNOUzJkbmVpV25kcw?oc=5) · Morningstar
- 2026-08-06 [NCUA Liquidates African Diaspora FCU, Just Over Year After Granting Charter - cutoday.info](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMF9fa3BnczBFTDlxdzRjNy1telZQSzc5RnNXa09VXzBObmFvSHdqSEE3SUxaQ3lSRGg0UTg4ZnhQelR6dkZaTXhoV2duMEtibXU5TE14UjI4N2Y0TW1QbFh4WXZkcnZsZ2xhVTZzbVo5LWNZcjVkSENyRmhNQWk5Sm1vcnBqMmhjbm1acE8yc0FLN041N3djZHUtQ083a05MMjBYa0hhSVhKYXNHc1Y0eg?oc=5) · cutoday.info
- 2026-07-14 [1st MidAmerica Credit Union Expanding into Springfield with New Full-Service Branch - RiverBender.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQdF9EbFlaUmhIR2VDUmJtWU9BUW1CVWZYeVVPZzdIZ3BoeWpXd3BKSldLWUxzTGJXbFhRZmNTYVdyOVRNeloxV2hoRkJVRk1Ud1p4clpwNnR6S3M4MS0zSTRTWmc0UTE0QXZqcXU5eTcybzJ5Qkxlb0p2SFJrSnpEY25TQlc2eE5OeEVkamVPWVQ4ZXl0YjFFUkFJYzM3MXh3N2tZdkdoWHBsZnVtWW5pS1FMNFc0aGpDTmhHb2JfLXpobG1OdVE2Z19ZZm9Mdw?oc=5) · RiverBender.com
- 2026-07-01 [Rockford Municipal Employees Credit Union merges with Rock Valley Credit Union - Rock River Current](https://news.google.com/rss/articles/CBMivAFBVV95cUxPVi1xMVo4YzZYM1k2UG5vczBCaHplWk80YXI5dVlCYzdWOVZ5UUZ4WUJCNE9ITXFKOHJjTmRqT3MyZFB1aUtncW9hc2dVdXdjTERFX1lyeW9KMzloZlBZUlk2ZXp4WVNBZUZDaExUYmpkR0RxWUY3SFE1c1VzWlVKSkFOZUFPeDVVRmE1WFhZOHd4WXpoTVVDa0NySWZreGpJMjByVHY5VmM0TUpVaGllalJ1eEtPV1ZScHVWdA?oc=5) · Rock River Current
- 2026-04-16 [Pritzker: Swipe fee ban works, banking groups, feds push for repeal - thecentersquare.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOelJaUjRQMVJhanFiTE1ULUprZWNLZzdudjBRVlJtU1NCNjdMblhDQnpBZzZOTVRGSGt3WDd6bkthbkRGelFGVEhPRUNXS2N4TjY0bWdJSkgybVlSaXVTbEk0czQxZjRvZU5vMlhqVE95V1NfWmNVcFpYejJuVDdaeXJxTWtNRjhZVEVkNHFHRkhFYWth0gGaAUFVX3lxTE9neEFBeEw2a3A1Z3BfOVJoN2JYMXhTYkZ6VXYyalZuNk1yVGJ5Smx6MGFWQ2J3a0U0WVRsUUxSaDJ3dk5NWl84V0F3Zkc3NEs5M2N2VG13YXEteVM3WXpfOGFiUDN5V3pSYWNuS01mdklENFlxRWNLM29lcjl2ek95dFg4Y3VDNkJlMFBMSTBIa0o1NldVa3U0d2c?oc=5) · thecentersquare.com
- 2026-03-10 [Milwaukee area credit union to acquire Appleton-based business bank - The Post-Crescent](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUUdiTEk1SlhxOFEzSUdxUVZ1NmZxYTZCbFlWcVFVdVJ4SGxiMElvSFltU3BNQldCTUZIX3ZhLW8zNmx0M1ZjNjFUWDdCWENPZmlIZHhoRkJnYnh4cG5od1NWaUNtOUtEaXVhWFktUFBjVlMxUDltQTJEY2x5a01PZWEyRFd1aEx2ek9tbTY4Yl9RWVhjeXRhM3BxYkdrWFU5Vy1UZzZFeGFFZEhVRjFNaFg2TlZOdE5XZjBuWWxzUTBjYjFaTlAwSTBweUJuZWVBZExiTW9EWQ?oc=5) · The Post-Crescent
- 2026-08-18 [Congressman Brad Schneider Joins FHLBank Chicago for Roundtable on Housing and Financial Services Issues in Illinois’ 10th Congressional District - Morningstar](https://news.google.com/rss/articles/CBMirwJBVV95cUxOOEgwUnF0ajg5SXJWOEdfODR3MGNXZ0k1cVE4d0gzeG1hV3ZXM3FWWUJBUEd6UjNuMWw3U1lYc3poSERON1lzZ2hQYkxhbi1fOVFYbDllQ2pzWHhKTWxHczhtaEF2aDVxNXVHVVpiNFlsTEJfQ1k0bFlidnFvMjVhRi1hU1ZtX09VeE5RdVk4dVU5b3dZZ2dZczlHb1FySFMxU29MakZ2OWVEQnFGQ3hveEQ5dm1RUF9JS056VWxwdDcyaDE0ejEybDFHcHpBc2g0aW5UTGxqekFGZThHOF9YYlVjLVViTklfWlFCX2ZKY215ZEFrQW9zVTZrN0NDZlZhdTk4aU9YVmQzam1DUlRsbW5NdERSdHNsNkItMnpxMWlwY3c0djBITTE5UHk0d00?oc=5) · Morningstar
- 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=97097 (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/9.json (key "97097", 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=97097
- 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