# LUTHERAN
Saint Louis, MO · NCUA charter 24861 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lutheran-24861

Who the members are: federal charter, associational, organized 2014. 4,471 members of 2,000,000 potential (0.2% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.6M |
| Members | 4,471 (-0.2% YoY) |
| Full-time staff | 7 |
| Net worth | $3.4M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.90% (p66 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.15% (p9 of band) |
| Loans / shares | 50% (p38 of band) |
| Cash / assets | 51.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p36 of band) |
| Operating expense / assets | 4.41% (p68 of band) |
| Vehicles % of loans | 57% (p43 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 | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $5,855 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,193 |
| Loans granted, annualized | $19.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | delinquency rising, auto monoline |  |
| 2019-03 | 4 |  | expense trap |
| 2019-06 | 4 | expense trap | delinquency rising |
| 2019-09 | 5 | thin capital |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | assets shrinking | net worth falling |
| 2020-06 | 3 | margin squeeze | auto monoline, expense trap, assets shrinking |
| 2020-09 | 3 | expense trap | losing money |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 6 | capital below 7%, net worth falling | expense trap |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 | losing money | margin squeeze, net worth falling |
| 2021-12 | 5 | loan book shrinking | delinquency rising |
| 2022-03 | 6 | delinquency rising |  |
| 2022-06 | 5 |  | delinquency rising |
| 2022-09 | 4 | auto monoline | losing money, loan book shrinking |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 4 |  | assets shrinking |
| 2023-06 | 3 | assets shrinking | capital below 7% |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 5 | net worth falling, members leaving | delinquency rising |
| 2024-06 | 4 | delinquency rising | thin capital, net worth falling |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | thin capital, net worth falling, losing money | members leaving |
| 2025-06 | 3 |  | net worth falling, losing money |
| 2025-09 | 0 |  | auto monoline, delinquency rising, thin capital |
| 2025-12 | 1 | thin capital |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-11-07 [Around the Synod: News from LCMS entities - The Lutheran Church—Missouri Synod](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WMFBHTmtBeDE3ZUpaNU0xclNvQWZMdmhXNDA1cEVWVnNRTXlFeGtZTEE1NlF1N21HZlE1Q0hBX0J4WjVXaGF6MnRmOU03SkgwajNjMVFtMHJ2ckxaSVB1YjgtbDAwaHpCWTdnejkwNmRkQThpTFZEN3hnT0XSAYIBQVVfeXFMTVExSkt3OHBjNmdqeElYRG56OTlieFE3NUJEOWF6UDFQazMtVkx1REVhclMwdmI2b1IzY25yODNWQVlDSXFkcDRtZlBIaWk4blEzakZTNDZKOFhkaFdyNERhWUJGWElXN2w1anFLYXhXaEdUcHJ5d0tOS1VZY0dieDBMZw?oc=5) · The Lutheran Church—Missouri Synod
- 2026-03-15 [Jay Lane Huff Obituary Dec 15, 2017 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBKVml6Sm5zell1RFpmVnA5cWljNXdWT3FaYkxzQXNyUzNCYW42Mmd5MWNRc0xuNEs4cWw2bkIwYjRHTnZVQ0JsbXpsVWdXbjF0cDhENmQ4OFpDLXBRSGc?oc=5) · Gorman-Scharpf Funeral Home
- 2026-06-22 [Janet K. Modesitt Obituary (2026) - Clarkston, MI - Lewis E. Wint and Son Funeral Home - Clarkston - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRFl6WVBUMk1GSVE4UTNSOEJqcG5DXzNmUnk0bDg2N3phS0t2bHJBNGM2VDBUcDNNUXVDOGh3dFF1WWdGOGk1MEtmdUdZOXRuTTFhUGNiV1YtN210NE5naHl5VW11cE9LN1lhMGlCWW1NdHBCMExqa0RtU1BWYlhSTXZyYw?oc=5) · legacy.com
- 2015-12-11 [Lutheran Federal Credit Union … for LCMS to call its own - The Lutheran Church—Missouri Synod](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBQeFI0WkE1ZEN0VXFnQXpWeXRDQkd6Q2lZRTJJbjlYMnlzaE12a25mb2xEQWZGdGU1SGR1SVREVHROZ3FRYWp5UnlzU3hmUnFzM2pMakhDODNQRHlPZEFtRk14bUpld9IBa0FVX3lxTE93dlE2ekdYZmstYy04Rk1Hd3J0U3RUbTdRVmFRMkxfd2lCWEVoajhPbU95bUw0TE5VNmJkSFhDam5SR1VZZWViLVdOTzJ6NlBQSzNCcXBrMnVITFg3RG1EMjlxZk1BcVRGRnhr?oc=5) · The Lutheran Church—Missouri Synod
- 2025-12-05 [Stillwater Senior Living Male Athletes Of Month: Granite City Warriors Boys Basketball Squad Secures Third Win of Season - RiverBender.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxObGJZeHlDRnJCN3hESVlvTjdKT291OUhSVmFBMXVOSG0zTXFTM1J4V2RSOHlMQlJjMUtjUUQyekpLc3p3enppLVA2b0lHbmRSUmE2ZmpSckFmSUFjUlRqVXdZMy1HRTd0T1ZhdDRfNnhwakwyUGtiWnNnZnpqeTBhS0dfZU51c2hVcUFrXzVjc0hlblNraDlndnBzUFJvbmFTU3YtaGVUVXdSY0NhLXE3VXZGbmhReG0xTnV5Q1lBZ3BoZ2NWblpNQkpYT2xBOXRGcVp0VG0tNExwdzVNWEtpMmJiYlZvT004WWdubUJCUkZBODQxU3FFbFlaSE9tSWc?oc=5) · RiverBender.com
- 2024-05-11 [Obituary information for Nelda Irene Aegerter-Herman - Millard Family Chapels](https://news.google.com/rss/articles/CBMikwFBVV95cUxNWTZ5TWdGTmx4WkpnVEl1eS1hNGVxWUF2MzlkaWZPNF9GQkw3SExqMzdkMjBGV1NZMHB2WnhrbVlpQ183RGViZ050cmFWajQ2ZnhmZ2ZBbEY5a281VjhDanBFYU1OU05jQWtkYjNWcERmZUtsVE5meElqSnBYaHpFVGZtNk1GNlpLTmQ2RDdvYVA5cDQ?oc=5) · Millard Family Chapels
- 2023-05-30 [Schmidt, Clifford Walter - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5tOUIwTzRvOFN3c29kbmNyS2tuQ1hVUnhoZkVJSnIyZ3dBZE51MGtlbThCRV8wZXJxVFVzUnJRYTRxWGlueHROS3VEYlRvcE12SEJLNll0MFVmSVNfZzAyWV9yZ18?oc=5) · Kutis Funeral Home Inc
- 2021-04-04 [Richard L. Hollembeak - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBkeUZtYUZvaFBDRTlOMEJIeF9NVUhjRDZiZHpPZXQ2WWhoOU5BdnVwU3ZmYnQ3eDQ4Vmh5Y3hQNjlaV3YxbmlaT1pNU2JMVXUwWWR5WjZhdU5xMmNPUk82S0M3Yw?oc=5) · Meyers Funeral Chapel Kansas City MO

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24861 (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/29.json (key "24861", 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=24861
- 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