# BAKER'S
OMAHA, NE · NCUA charter 23671 · asset band <$50M · latest filing 2023-06 · stopped filing after 2023-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/baker-s-23671

Who the members are: federal charter, multiple common bond, organized 1980. 985 members of 5,000 potential (19.7% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *too clean*. 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 | $10.4M |
| Members | 985 (-0.4% YoY) |
| Full-time staff | 3 |
| Net worth | $1.0M |
| Net worth ratio | 9.7% (p24 of band) |
| ROA (annualized) | -0.57% (p10 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.07% (p50 of band) |
| Loans / shares | 52% (p43 of band) |
| Cash / assets | 51.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.28% (p15 of band) |
| Operating expense / assets | 3.34% (p55 of band) |
| Vehicles % of loans | 75% (p75 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% (p17 of band) |
| Vehicle NCO | 0.00% (p32 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 4% |
| Average share balance | $5,940 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $8,161 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## 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 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | members leaving | delinquency rising |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 4 | losing money, assets shrinking, auto monoline |  |
| 2019-09 | 2 |  | losing money, assets shrinking |
| 2019-12 | 3 | losing money, assets shrinking | delinquency rising |
| 2020-03 | 2 |  | assets shrinking |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |

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

- 2026-07-22 [Baker’s Breaks Ground on West Maple Grocery Store - growomaha.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE9MVGp2OG1xWDUzajhUMUpyeXotZ21mVU5HUk9haW9xRkIyUUZqY3d6Y1ZQdk5jVHNKRHJsMDFwTVNXX0xlUzlTc2pIMVo1MDRZZlNHU2N5cTY5OWJMVkV4ekxaVF9CNFBfRVVwMUxhZm9WOU9sRlVBYi1BTQ?oc=5) · growomaha.com
- 2025-04-22 [“Baker’s Dozen” Arrested Following Recent NEIA Drug Raids - KCHA News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTndfdE1PZHM0bmpXdW9NTE9NQXdIdTYwU3Y0TkI3QXRsa2RxR09peXBNem5iaDVtbTFFYUotbUtlTzhxTTVadFloWU9yVU5ac1JBVjV5MktPVVZubExxdWVCVnowYXh2NGszd3BoekNzWHNwRW5pMzdrVmRoOTR2QmxqU0RpWk9XN3A0N0tmNk4?oc=5) · KCHA News
- 2025-07-31 [The July 31 Weekly Market Report - growomaha.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBkRnBmbXpBZFdrNVNHRExCaTV1bVNQWHRkS0dHR1ZfZDRTR29nRVhNQkV1RnFKZnV1X2ZTalJabHo5dkppTWNNQzJXRzl5M29wejF2R3Y4NWVwdTByenRxVWRKMUU1UQ?oc=5) · growomaha.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23671 (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/55.json (key "23671", 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=23671
- 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