# ALLTRU
WENTZVILLE, MO · NCUA charter 24774 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alltru-24774

Who the members are: federal charter, community charter, organized 1968, low-income designated. 40,441 members of 1,690,795 potential (2.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $403.1M |
| Members | 40,441 (0.9% YoY) |
| Full-time staff | 131 |
| Net worth | $37.2M |
| Net worth ratio | 9.2% (p18 of band) |
| ROA (annualized) | -0.15% (p4 of band) |
| Total delinquency | 2.27% (p97 of band) |
| Net charge-offs (annualized) | 1.77% (p98 of band) |
| Loans / shares | 87% (p82 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.55% (p100 of band) |
| Operating expense / assets | 5.14% (p95 of band) |
| Vehicles % of loans | 76% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 538% (p99 of band) |
| Vehicle delinquency | 2.80% (p98 of band) |
| Vehicle NCO | 2.49% (p94 of band) |
| Repossessed % of vehicle book | 0.01% (p54 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 28% |
| Average share balance | $3,310 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $313,074 |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $15,066 |
| Loans granted, annualized | $110.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $313,074 outstanding purchased (0.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-09-08 [Small Business Monthly names Alltru Credit Union a Most Innovative Company - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxQY1Qxbkpwdzh1aEFvQXdBbHl5ZFF2VUdTVDVWeTd2eWJfVzhSR2JsVk5IeEVCOUpNTWE3bmVBYmVJU29qTTEyMFNacGRoWTlBUjM3WmNGZFVYSmhudGhUbDA4RlV6Ri1jY2JiM1k4RWRjbEVWdXRDQ3VvUl9IeVJOVXAtWjFWU2NQeGU3dVJwYzlQY1AzWVoySHVIeDF4a2NFZmxoRDVLbVhNLWYwRUlOTUZZeXhHZw?oc=5) · CUInsight
- 2025-06-24 [Alltru Credit Union to host grand opening for new branch in Florissant - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZ0VJUjA0Ymd5SlNxV3Q4OUpzeXdNQ3gtWnpHX0pTUGc3QnFVaDNVdVUtYVlScXdOQlNxSjFzVm1EUjZlVE5UZGFNTEpoLUxDTlFVcUFpOF9VV183T3NOb1RFdHVlOEhZX2Z1dGF6M2Q5NTJOTW1DZ2lEOE1GWi1RMGtKaXllRGZYQi05Q0Jyc1JXNjE5WWxUNDNIVWZLak5uT1FSdUxYUEIwZjZ5bjFpNg?oc=5) · CUInsight
- 2025-06-24 [Sponsored: Alltru Credit Union Celebrates Grand Opening in Florissant with Exclusive Member Offers - KSDK](https://news.google.com/rss/articles/CBMiigJBVV95cUxOOWotRk04MG5wYnpEa0dDZnlPTGc2LTVIakp6NU00Q05DMG5iekJfNnYxc1doUWFrQnl0Rlh2OUpLanNmcnNQV1ZIU3lYSVRhaGJzcG4wU0tHYXJEWEszdzBRWnZGSndmT0xGVG15NFhxVl9DU3RFWExMSWdwdWx1b04tUk1uMW91Z1B0M1F3NV85b1VBWmlueGJBOW9uNVY2MGd5WEFfS0VxX3p3TW5FZ0VSRUdQSFEtZEVpbUJ3Ql9SNm9TTnRUMzMwUklYS3hHNmtETmtvXzVGeHFUQnZqQjh6Q3lrd0UxWFlPR3ZLZzhNQVdBUGtPZDY4Vl96X3liYmpCVTQ1OUx2UQ?oc=5) · KSDK
- 2025-06-17 [Credit Unions See Big Drop in Branch Numbers - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdDN1SVBiVVVUdlVncnRNa0ktcFlCY040ZUU5eFpFelVNcXVkR3BTMWFNNERoMm5VdE1HS1NtdUZ5WTdJSXAxXzNTaXVOQVUtdC1RYXBoWG5hRnloSmVWejYxaU41T0hmNWtMNnh4VmgzYkJvRHQyTklOaWFzNFFPMk5xWi1XVXM?oc=5) · CUTimes
- 2020-09-15 [1st Financial FCU eyes expansion with rebrand - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOM2xQRk04ODdPcmpmcVFSWHh5ZWFnRUR4ZW1pcEo2NlN5Ul8zQ0cwdTlvZTkyM2hnRUo4bXVQUF9LTk1pWlRkQTJhenVDcGFQYTJIRlM3cXA4a1loYzRrd2hMMkw5RmdFd0xHWVVGN2t6NWl0bDFfdzJVemxjaVo0Q2pRYXFkRHN4aDZIUVBfSHdMaTRqTTFwQldR?oc=5) · American Banker
- 2024-06-24 [Suspect admitted to robbing 6 banks during interview with detectives, Hazelwood police say - KMOV](https://news.google.com/rss/articles/CBMingFBVV95cUxNTHNUdUloV0hTNHV4OUhQWXoxeGxaWmNsaXNDSWJHY1BtWm94ZEwySmZCZlJodVdoVWRGVlJQRXJ0VlhIcWNJREtUVzdvV21KdlRpRElVWC0zQ0RiR2c1YnlRYzVja2tzR245UFo4OXFuZ0ZnUDAxTUxJQWdkalQwbXdxekRoXzhYeWJaYktIdHVKTUN3c1dZbmpRV1oyQdIBsgFBVV95cUxNeDdtRkx2TlBiS2paZ3R6NVY2V2RvODNrQlJ6RU5Mci1Fanp1RF9YdUdEQXdCOHdwR3htYmZtWklCWEhFYTUxdmd1QjhvczFPOU12bUU3d0liUXJFS0w3Tjg5blVyYXU3eTFHcWpGWnJTZXZYVUoxVzNaWU1UeDhkSjdqTkRyNjlrdDIwR2dCcDgzY0M3WDlxQ3UxMllHbF8yd0RCNjlocXRzS0ZZempfcUx3?oc=5) · KMOV
- 2025-04-30 [Alltru Credit Union partners with St. Charles County small business - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPU1FOU0NvRVFDTmFkbFVFeEpDQ3ZwdEhwVmh1YTJsbmx1c25LY3ZuYzlJNGVCQnVQNHRCU0o0OXZnQWowcUIwU3JQT1V4bm50elRIOFJWSzRhdzNNTGdLcUt1N2JkVUc0NnJ4N29KZHJHcHhaVVc4cXExQkNRUUdUTG5LQTZCVTFKOGFtUnl5cnhSNi03cHd4b2hOaDZic3lOTkNPajV5WlYzdGM?oc=5) · CUInsight
- 2024-12-09 [2024 St. Louis Angel Tree Toy Town to Serve Over 6,500 Children - The Salvation Army USA](https://news.google.com/rss/articles/CBMisgFBVV95cUxNYmtDWmwtWjJVU0l2WjhfMEFwTFhZbWRTVU9HV1pUZEJneHhQcGRTQUdWanZpSHJKZy12UGNnVm1mYk4zYVVUSjQ1TThKQnQyNTRmbVEzTG5JLU9sOS1zdlAwNW9VSHczaVc5MHc4WWV4UVM3eUx0Q3JHME5EQmJxdnhHNURPZ3lXUGttMWotMmhIWXd5dEJRT25lNkZqTUJUcTRjRHZKbXE0VzlXZmZxTmRn?oc=5) · The Salvation Army USA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24774 (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/6.json (key "24774", 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=24774
- 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