# INFUZE
Fort Leonard Wo, MO · NCUA charter 24974 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/infuze-24974

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 35,104 members of 630,553 potential (5.6% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 131.

**Verdict on the desk:** this could be *ordinary*. 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 | $452.1M |
| Members | 35,104 (– YoY) |
| Full-time staff | 109 |
| Net worth | $46.5M |
| Net worth ratio | 10.3% (p34 of band) |
| ROA (annualized) | 1.30% (p84 of band) |
| Total delinquency | 0.40% (p30 of band) |
| Net charge-offs (annualized) | 1.07% (p90 of band) |
| Loans / shares | 88% (p84 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p81 of band) |
| Operating expense / assets | 3.84% (p56 of band) |
| Vehicles % of loans | 38% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 213% (p82 of band) |
| Vehicle delinquency | 0.54% (p49 of band) |
| Vehicle NCO | 2.00% (p91 of band) |
| Repossessed % of vehicle book | 0.57% (p96 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 27% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $6,161 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $12.0M |
| Loans outstanding per 100 members | 131% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $7,652 |
| Loans granted, annualized | $154.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $12.0M outstanding purchased (25.8% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares – year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-06 | 2 | repo signal, 3rd-party paper>100% NW |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |

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

- 2015-10-12 [Mid Missouri Credit Union To Introduce New Name - cutoday.info](https://news.google.com/rss/articles/CBMijAFBVV95cUxPLUl3ek81VXhTaC1qYUtTMEhzcVhIR1FHM2Q2dWI5ZTJrQVNDNHY5TllydV82ZGdVT2dISXpoalFRRjN3b2VyQXZNM0g2c2VIY1NWME5mTkQ0Y1hXcnNGeGZWS0xoYjdFV1U4Rm5wRnJycVhkeHVTZmlBcnBWSzlvbDRCdm0zSkJkOGJkOA?oc=5) · cutoday.info
- 2016-07-06 [Hammons Field hosts FLW Appreciation Day - army.mil](https://news.google.com/rss/articles/CBMiggFBVV95cUxNU3VVZnNvWFA4ZVFtTVEzaVlQMVdQbjFCMzdVZmhERkE3djdBbTRmMkdHVVdyVmVTUTFlYU0yZXdIY0thdGNPUENUa3FmdkhncXRnMndmMzBvVUUyZmhDUUN0b0FIczBsLVM0WHNLa0tzV0hxOGRyXzZIN0JNdHdGSW1R0gGHAUFVX3lxTFB5VGhkTmVJRjY1NGFHVzVMcE9EeHZqQWlTX2RoSE1rRlZ0ZmVVMTl6UEtjRl9MWnRiR0RLR3o4bnlBWjRwRGs2d2Y5UnRORHlDSDFURUxYbDI0TVN4MVRIOUdhLXZQQTAwZ0JNY1hTbi1WM1U0akFMMERMREZmalQ0bGVlNkNfQQ?oc=5) · army.mil
- 2026-03-14 [Springfield Cardinals release 2026 Promotional Schedule - MLB.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVndfSnpBNHo5TGNJTkNqRWNZaTlyMDhWNWNxcG5rZ0ZGc2U1RWEycUliUzZkV2J5Wll1ZFJWUHU2UGdPX190cGNzQkVFX2I1WDFBSUp2ZDUwbGRBaGNXT0VEbHVKeVpwNnRJZnFaLXc4QW1WM0llVEVnRjEybUdESHpJdk5yZ0MzbmQ4TWFwa3FuRlVxeDdHazVqVkZNYjd3bzctRnZBSVBLSnlu?oc=5) · MLB.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2024-12-31 [Tracy Lynn McCORD Obituary (2024) - Lebanon, MO - Shadel's Colonial Chapel - Lebanon - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOanpBcW1qcnBsaVc2TlZOa04xaC11d05iYXZIMGRwWU9MMUhsLVo5QVNtSXV0cWhRUGpfUHJsT05fcTBXblktNGljVEZaYUtmYWRIN2djMlE4SFIyQW1ETWQ5SnR1NlJQS2g1WVlfRkpKSEMtUkZhVTc0RVdkNWVKOQ?oc=5) · legacy.com
- 2020-10-04 [Public record for Saturday, Oct. 3 - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMie0FVX3lxTE9nTFVVOVNvMWQ0TDEzWW1iXzZXREhtclFVZXNabkJxYlVhQ2tFa1cyN2d5MmY2NTVKa0VFOC1pdUMwNjNrS3JqSk5PWXFIMGt1MWZCbnlWeGNoeVFEOWttOXJWNFJ3LTk3ZzUtT3p3ZkJaUmk2V3BvUVpCUQ?oc=5) · Bolivar Herald Free-Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24974 (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/14.json (key "24974", 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=24974
- 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