# OLATHE
Olathe, CO · NCUA charter 12608 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/olathe-12608

Who the members are: federal charter, community charter, organized 1958, low-income designated. 279 members of 500 potential (55.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.6M |
| Members | 279 (5.3% YoY) |
| Full-time staff | 1 |
| Net worth | $85,371 |
| Net worth ratio | 5.3% (p1 of band) |
| ROA (annualized) | 0.69% (p55 of band) |
| Total delinquency | 0.89% (p60 of band) |
| Net charge-offs (annualized) | 2.35% (p94 of band) |
| Loans / shares | 83% (p85 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.16% (p5 of band) |
| Operating expense / assets | 1.72% (p7 of band) |
| Vehicles % of loans | 53% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 4.45% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 9% |
| Certificates % of member funds | 91% |
| Average share balance | $5,082 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $8,116 |
| Loans granted, annualized | $547,032 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

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

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

- 2026-06-10 [Downtown Olathe project fully leases months before construction finishes - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQ09wWW1CNXJ2SzlsR3NhQ3FkSE9fNDd0NkxzNjJGbUxUd2xuc0U4R2FlbVpvZVNTZkMwOEJGaVlTUmtNNzY3eUtiYmtoYzJ3ejIwd2NUR18xNlNyS3I0VUlScGRfcTk4QjNpcTdKU2p6bnZhci1nTmduanhDaXF2LWdheWU5eG9UTGEwYU1iVnJHT3dGQjE0Ty1TdlV2bDZVWjJzdFI0UC1nVzUt?oc=5) · The Business Journals
- 2026-02-19 [Two rooftop restaurants coming to downtown Olathe. Here’s when they may open - Kansas City Star](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYjIteTdrUXptUmExRUpNcU9QV3VtUk9SVDRHTDctTW5fM2Q2dUQ5Uld3Nk1CbVVlQ2ZMRV8xSEdZdkg5QTRKb0RmWmt0NUtZM0hWRnR5LXVzd1QyV3lwZUpBVU1HdWFXb1FSUW9tVW1INTdsN3FWdzNQdlF4ZHRsOHBObG8zYTdMVGJfdF9acElXSndGTHfSAZYBQVVfeXFMTVZnbVFkRkF0Mk12bUs5eW00clpacUw3T0t6TVVlZ2Fjal9mYWpEZmNtNkVQcjJrOGExMXljajVKVDNBX1FMTWYybjJ0bzZBMkdXY1RlbGVLZ19rb0FQblBuWWZOQi1lVUNJeENtTnFoMk5GVUwzcTQwTS1lZjlONHZCcTJiTVlfZ1F3UWZfTDVWb09ST1hB?oc=5) · Kansas City Star
- 2026-01-05 [Helen Roberts Obituary - Olathe, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWmVtV1lKTDRKZ2pIeWpQSVBNQlUxVWQ2OGdSRjdVR1k5UnY1NTBaSkJHZzZmaGpGYUdiM2pqaU1DcHNDY3ZFZXB3bkpicm5HZlkyZGFWdk43VXl1OWZpeExTYWFlX2VRaUswWTRPdTF1THZELVpURmNhbGhJdkJRVw?oc=5) · Dignity Memorial
- 2022-11-02 [Corporate America Family Credit Union reopens updated Overland Park branch - Johnson County Post](https://news.google.com/rss/articles/CBMijAFBVV95cUxQX2pxdG43QS1Pd0VuSkFXR295ZG94d21aendlN0sxYzBfaGkyLVlRck1wVDZoaWNFczJoWUlGOThqV21rbFpMQWlBU2c4Y2hhanBaMUlEYk1SRlVfRUdyMjBkV3EtcU5vTmxGcUdicXd0QlUyQVFJeGtydjBnNXhOTDVxLTkzZkh0WFdzcA?oc=5) · Johnson County Post
- 2025-02-19 [Truity Credit Union plans to open more branches in the KC area - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZkkwamVfT2JnUDdiU1dvMUJYdUJDc0dEc29kTG9DaWFzdEZFdG1QR0xwaVVDOHdYUGZfbEhuM0x0d2wxZmE5blZvRWNkTmlQTHZ4bWdZcFBISDZWZFlpV0QxUmZwVkR1Z3FxcGp5WlNLckdDODZIeEc5S094VW1QRndkRkprSmx0VGVwVnhvXzZ6azB0RlNiQjU0RHgxZEp0X0UyMWp3cw?oc=5) · The Business Journals
- 2021-12-10 [Azura Credit Union pitches new park space in north Olathe - FOX4KC.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdXpDcWxnNDFKUVFTMEVSVUJaTWZpT3d0LVB3aC1GYlFJTzJZekQwOHlFSmZ6NTBkMkkxdTBneElzVEtVSzladk1wMjZFQnMxUVFLR1VKdHNBejVHblZiT2pNdl9BaE5lLVhGUHBvMXV0WVJzcWRqQ2xsXzI3d3NoSVlvUWdGZW1QYlHSAY8BQVVfeXFMTTM3bkc2RTk0QVlIbGYzLXpOeEpFTjFRRS1vdWNuczRnOVp2TTBBOGl0OFVBU3BHbDR1M2x4TmNfN1Zpa1E4cGZqYmJabXhoUnZRSXFjOGlTSXA4Qi1GcHZ4XzN1WEMxd254VzFVUGFzMFItNnU5YUVGb0laQUxRUEgwUGNYNkpTNVZUdExIdDQ?oc=5) · FOX4KC.com
- 2024-07-27 [Cora Fellenstein Obituary (1930 - 2024) - Olathe, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeFFZVEwxS1A1c2l2YmxkNERHbW02SmxQWjJiNlhpMkJrU200dXc4eTZmQUpNNUtSQTA2eFlYM3o4Y3VxNGg1dDYwd1ZiTDFHcEZFYVNkZi1UazRLcm02WlNkbWtmWTN4cDYyMjBuS1FaYnhmTmtHZzg5OEl6VHZraFpwYUNQa2cwRzdibUNDX05uVEtTdFFpNmhfTQ?oc=5) · Lawrence Journal-World
- 2024-09-20 [Travis Harlan Obituary Aug 30, 2017 - penwellgabelkc.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9VajZlRjN1WUFfcWlFZWhRaGxrRFpXVGRMZC1qXzZYX25KQ0toLWV1b043LTQ2dlQ3U2Iyd0FDeG5JM0dUM213bHVRc2V5aEs1UVpBaW40bE9kUXJJbkdYekdLYkJSZw?oc=5) · penwellgabelkc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12608 (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/0.json (key "12608", 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=12608
- 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