# ENVISTA
Topeka, KS · NCUA charter 24945 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/envista-24945

Who the members are: federal charter, community charter, organized 1957. 49,003 members of 1,500,000 potential (3.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $686.1M |
| Members | 49,003 (1.8% YoY) |
| Full-time staff | 165 |
| Net worth | $72.1M |
| Net worth ratio | 10.5% (p53 of band) |
| ROA (annualized) | 0.65% (p53 of band) |
| Total delinquency | 0.30% (p22 of band) |
| Net charge-offs (annualized) | 0.57% (p64 of band) |
| Loans / shares | 90% (p78 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 3.79% |
| Net interest margin | 3.63% (p65 of band) |
| Operating expense / assets | 4.72% (p91 of band) |
| Vehicles % of loans | 56% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 265% (p86 of band) |
| Vehicle delinquency | 0.34% (p27 of band) |
| Vehicle NCO | 0.67% (p39 of band) |
| Repossessed % of vehicle book | 0.10% (p64 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 59% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 28% |
| Average share balance | $6,156 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.0M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $16,794 |
| Loans granted, annualized | $202.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.0M outstanding purchased (5.5% of net worth), $3.6M sold and retained. Sold in 3 and bought in 1 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 1 | 3rd-party paper>100% NW |  |
| 2023-06 | 2 | expense trap |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising | expense trap |
| 2024-06 | 4 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2024-09 | 4 | repo signal | net worth falling |
| 2024-12 | 2 |  | loans>95% of shares, repo signal |
| 2025-03 | 2 | net worth falling | leaning on borrowings |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | expense trap |  |

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

- 2026-05-21 [Envista Federal Credit Union Spends May Honoring Heroes and Advocates Across the Hutchinson Community - Ad Astra Radio](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQQWY1eGhCSG9veFkyVzlGSzV3elAxTVZTUlJoX0c0eTJkS0pLZ2RsU29WZ3dlU1V0bEQzRVVzbmhRbE1icjVhbjNzZk1QZnJHamdHc0wtUXo4eUQ4WExESG41Q2JKRFlTbE5XMGhVbE5wWEttUVBtS0VKTldqUEhqR0JJMExCZGZfQjdyc0lOZy1LUm5SN0w2ZmNLaWZRR0V0NERJNUJBcGxsYTIzVEJXbVZXOW9uYTk3OTZ4V1NNVE9RNGdwZXAweTQ5OVlBVVZydXpNV1JFdE9iVC1n?oc=5) · Ad Astra Radio
- 2025-11-20 [Kansas credit unions launch campaign to ‘Fight the Fraud’ - WIBW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdEMtSEFpRXhGXzd4Y1ZEazlKajZqMDE1RnZZX0JsRXlxLXJfN3BmRGI1a0ZwT28zRWRLTTByck1iVDF1bDQycDFRZm5DREhBbVpVUnVYZ3U5UWhIWFU5cERrdUVWM2ludVZ3OFllZTVuZjc2a0J6aElRTk5mY1RRaG42Qlo2TjVM0gGcAUFVX3lxTE9tQm5QblBwU1Awa1c3NWFSdmNJSDhWS2FGbFBYYkxsRnVpR2VVRkdMVFlidWViRVNBamdGRXZqUlRQNVM1ZUE4N0hueFhEZDNEbktNcmt6OThMWFFvZTRiWjRFd2VGZGtXMk1wQVVERkhFbHI4blRseS0tWVJJTm5xZmJyZEJmbWV2Z1B4NDQ4YU55SEprUEFhQXJNRw?oc=5) · WIBW
- 2025-09-19 [BREAKING: Court Records Show Envista Credit Union Chairman Daniel Ramsey Arrested on Sexual Battery Charge - This is Topeka](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPQUxJdFhRSTR0VzMwSHgweGR3bGliR3BkaUxMWnI2aFVVVTNuQjAyN1lNZFVhU29mazVtcUtKT1lOT29ia2IwR2tkR3UyNTViQjM3RnNDYlJiZ2hBZ0tuNXM0Yk1GUWRkMHdaZ19xUFd2LUk5bFd6cTFNeEl6dmdDQ19JTHhCd1pUWmhLYlQwOEJNOEk1R0FPQnEyemVkN19FMG42RHFlQ3NCMUhScUVraGxvbHp4Z1lfNXNUNHc3NndyUnQyVlJDZ2UtS09HYmtfWVYyNTBB?oc=5) · This is Topeka
- 2018-08-04 [Envista wants business owners to succeed - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxPRHl2Y3laX3NMZUZBVnYwZTJuSGhBYTN0TnBKV2JuLTJta2NJWWRGNU1fZHN4dTZsRHdZR2E1OEJfdHV1YnZ5TmItdXVDTzl4RVhBTGNwUkh3TVRlQWNMemgweG9xQlVoRFEwa3kwM1BPbk9vMjNaeWg2OV9WTDNxQXlsYXRqeFNXWlcxMHEyZklya0RwaEl5SmI2ei1STWNxS2k2TFZMQjdmVlhoNWc?oc=5) · The Topeka Capital-Journal
- 2024-09-12 [Cole Garrett Brackemyer Obituary Jan 3, 2024 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiY0FVX3lxTE01Vjh3M0E5aTNLNFZqWXc4bXdEVzRRd2M3X3BNUm1ia05sWHBJNEpaNDV3UV9URVlVREVYWktKUV9FOWEzbGRUY2RPdW9aS0VhbEtxdjk5VXFEZG5LMjBXVU1QRQ?oc=5) · Dove Cremations & Funerals
- 2018-07-29 [Timothy J. "Tim" Burghart - View Obituary & Service Information - Kevin Brennan Family Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTFBOdWcxY3o5QnBmZWJIaV9hRXg1RVctVWhDdWt5R3VYbFZVblVMRlhLZVJ1MjNtTEIxMmN1eDZNZUlWUWV0Z1FRa3phanQ4NmxHSldxQk5SaWdyUjFwTVp1RkVKZkhFUmVZU3QtVzk0d2p6YVl3YW5sRFNjRWtkQ1k?oc=5) · Kevin Brennan Family Funeral Home
- 2025-10-11 [It's Your Business has Andrew Lindeman, Leah Kemble, Yaman Alali, Sara Stepp - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdUVtbktRaHItczZKOE1kczVDOWhjNE5yT2tpeHNrdGZ2MEwyRE92ZkhYZ1NFR1hIYXZDbExXaGpvcXdGamFxRG90SkNKeGY5UGJxZUxSVmR5OFVseG1Fc2FTTGJYMDQ2YnFhY0JKaWVXaEd5aHp3QXNKMEFxUUxIbGd2ZEF3a0R3Vi03bmE5ekNjbVlDSXBfQzhIOGM0OXc3WFJBdExKYmhmQUloQzBaNXBDZnJYcXcwVzF5OGRITmg1eXRLbFE?oc=5) · The Topeka Capital-Journal
- 2021-10-25 [Robert Munoz Obituary (2013) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQa1dVOFd1cWMtdzlxNzkxZENtMGVUamZDTmY4Yll1aFNKWU9QQnlSNXNabTVlblBpMWJiZ2lsZGtZUXlkVDRIcWFVT1dERzJOcHM5TTU4U1lCSVdWZThfNU9RdUVXOW82dmxHTTVjb0taNVhhc0dpRDdGYlN2N1dDYWNhQW1MYllNOVFmRw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24945 (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/49.json (key "24945", 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=24945
- 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