# MAINSTREET
Lenexa, KS · NCUA charter 24858 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mainstreet-24858

Who the members are: federal charter, community charter, organized 1953. 54,286 members of 2,000,000 potential (2.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $693.6M |
| Members | 54,286 (-2.4% YoY) |
| Full-time staff | 141 |
| Net worth | $66.7M |
| Net worth ratio | 9.6% (p35 of band) |
| ROA (annualized) | 0.52% (p43 of band) |
| Total delinquency | 0.53% (p43 of band) |
| Net charge-offs (annualized) | 0.55% (p62 of band) |
| Loans / shares | 63% (p13 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p46 of band) |
| Operating expense / assets | 3.54% (p49 of band) |
| Vehicles % of loans | 48% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 206% (p74 of band) |
| Vehicle delinquency | 0.61% (p54 of band) |
| Vehicle NCO | 0.72% (p43 of band) |
| Repossessed % of vehicle book | 0.25% (p86 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 33% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 17% |
| Average share balance | $5,857 |
| Participations bought / yr | $715,060 |
| Participations sold / yr | $2.6M |
| Participations outstanding | $6.6M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $17,591 |
| Loans granted, annualized | $125.7M |

## Participation posture (from the same filings)

Bought $715,060 and sold $2.6M in the latest annualized quarter; $6.6M outstanding purchased (9.8% of net worth), $2.0M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 5 | leaning on borrowings |  |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | net worth falling |  |
| 2024-09 | 4 |  | net worth falling |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 |  | thin capital, leaning on borrowings |
| 2025-12 | 1 |  | members leaving |
| 2026-03 | 1 |  |  |

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

- 2026-06-22 [Mainstreet Credit Union Named Official Credit Union of the KC Diamonds - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxPNlZEaGdxVThIWV9ndzUxLV9pVEhkVVNpZ2RmU1BST1FlVHk4eVBHdmhmSGVQMFo5aFE2ek85clVNSkR6VFFZV1poOUpfTUtubDRfc2xHSHRqRmxLV2E1b2hkbmtpY1NDSmd5SjAweG5FZWh4MmJDdXgxU0VlMjVKNnM2VWZlOVBfR0pHSXA0Vm1CcVVVUEdOcF9XSmtOZkhRZmp1QndKeVRTa0JkRzNhb3c0ZUxjNFVNaFlkZ1hHcE93YU1a?oc=5) · PR Newswire
- 2026-06-11 [Mainstreet Credit Union Data Breach Impacts 4,123 Members - Claim Depot](https://news.google.com/rss/articles/CBMidkFVX3lxTE95Z3dUSU1aeXBpZzBReDg1YUgtR3N0RWJoTnZLMGI3Y1dxOXBxc1VISDU1MjRmMEJIdlZlN3JjNjBlb28yRHlDSFRGLWo4TUE3U1lOTHRZT3BYWmZSb2ZHWlZ6N050V3lqcGxnWXljYlFiT2E0WVE?oc=5) · Claim Depot
- 2024-03-21 [Mainstreet Credit Union names veteran banker as new chief retail officer - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPQlJ0UThMYmtnSDdWNmxCc2dmUVpmYnozVXpRZmhLam9uRkxQWGpNcDVPXzcxNjhhbDBJN1g0azFKLVNzQXlvRHg5bHB0aXBUSmYwdndoN1pZdS1UT1lvME9nNWcwdkFHR29KTHRRWTVjZ3VzUnBMdEVjRklnVXAxVEtMVllmQml0bmNOeE9mQlEyQXJmREhwbjA1d21KUQ?oc=5) · The Business Journals
- 2024-08-08 [FBI investigating robbery at Mainstreet Credit Union in KCK - FOX4KC.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbzZzeEdla2xVOThNVFlaYWliQVJXNzJCN2tsNENRWXJoR3J6YTRKamVuZTF0b0t0R3JnR2tDeHhhRldRZGlvbm5LVUdpUnFHZ054UXFYa3oxWVdncV9yaWV2aUh0bHNVRTRyWV9vbDZzLTg1RW1oamdJU1JEaUxNU296LUVKMFpXdVRCUNIBkgFBVV95cUxNOXpIV2RqU2JWZ0lEMHVVbi1QdHVfYWpNeTdfeVdNV0NJd2doTi12ajJWSWg3clF1WlFxMnBWaEJtcC1oeW4xVkdQV3dGa0NqN1ZPMktTZWhEWjV0d1pTWU9ndHhIUlM2aWVNYlpaYTFVN1RkNFJTLVZJd09KaU9OcjhsNFg5dzU4djZIT1Y0Y0pJZw?oc=5) · FOX4KC.com
- 2024-08-08 [Suspect, armed with 'bladed weapon,' robs Mainstreet Credit Union branch in Kansas City, Kansas - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMivwFBVV95cUxOOGUxMjJ4MTQ2WEoycU9odk5Id24yWlJmZTEybEdmVm5JVmpPTXAxY2JFdkdFVVhCel9fc0RhWWFacUUtc01JY0hYX2p2TGJjdFl0ei14M1FSTG1rSFMxV1U3enFaVzhmNWM4TGZMMUljdWJfb0p5SHJzUW9TUmNhbkFYTFFVZlY1bWxMSTBiQU9MbnBpT2ZLdm9WdnpqckZzcF9fNzJuSXZZdWFUMmdCVWYySnM5Mm1XNExBM1dhQQ?oc=5) · KSHB 41 Kansas City
- 2024-08-08 [Authorities arrest man following bank robbery in Kansas City, Kansas - KMBC](https://news.google.com/rss/articles/CBMikgFBVV95cUxPV3ZVVXZSRk9kXzNLc0Q3b21DQlo4UkVHSnhLNmdDRndfLUVsRnFrT0J0eVNRRFBHV2ttME0xNERjQmk3OFExS0NyQnlHQ1ZoWFVXbFdxaHdBclpWSWQ4dDVWN1hybzRiWlE2bWNxWWY2aXZ4ck9iWnc3ZE50SmNaaGw5ZDdRTUpSTUZqNjZxQ3lIQQ?oc=5) · KMBC
- 2024-08-09 [Suspect captured just hours after Kansas bank robbery - Hays Post](https://news.google.com/rss/articles/CBMicEFVX3lxTE55bklwamRvYkNKWHRnREJFWGdmck9OR1ZQY25pX3VCUEx4aHNjeUxRc053aGttcDVqb2tzYmJ1ZmNiNFdRSWx4MGJYOWtIZTRIRWh4QXJZclBXUElGMC1WeUhwR2VxUVFWSTVIeWJZcGI?oc=5) · Hays Post
- 2010-04-19 [Name Change Wrap Up for Spring 2010 - The Financial Brand](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSlBWVENkLUI5SUFKWXY2XzZwNTJiMnB3WVBhRHFFRjY0d3A4V0c5WFNHbWhaT2pPakdRZU1VY2x3eHlNZzU0cy1XY0JFLU9hZElUbTVFR0tnNXYzRi1RUFEwakUxaVIzT2NGSlNQRDBRczhkZmh0YmFQVHQ5LWVXZk5Jb1ltWm8?oc=5) · The Financial Brand

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24858 (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/26.json (key "24858", 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=24858
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide