# AFRICAN DIASPORA
Saint Ann, MO · NCUA charter 24975 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/african-diaspora-24975

Who the members are: federal charter, associational, organized 2025, low-income designated, minority depository institution. 522 members of 10,000 potential (5.2% of the field); checking penetration 13% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $325,661 |
| Members | 522 (– YoY) |
| Full-time staff | 1 |
| Net worth | $12,578 |
| Net worth ratio | 3.9% (p0 of band) |
| ROA (annualized) | -0.41% (p16 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | -0.46% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 14% |
| Certificates % of member funds | 0% |
| Average share balance | $681 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 5 | thin capital, capital below 7%, net worth falling, losing money |  |

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

- 2026-08-06 [NCUA Liquidates African Diaspora FCU, Just Over Year After Granting Charter - cutoday.info](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMF9fa3BnczBFTDlxdzRjNy1telZQSzc5RnNXa09VXzBObmFvSHdqSEE3SUxaQ3lSRGg0UTg4ZnhQelR6dkZaTXhoV2duMEtibXU5TE14UjI4N2Y0TW1QbFh4WXZkcnZsZ2xhVTZzbVo5LWNZcjVkSENyRmhNQWk5Sm1vcnBqMmhjbm1acE8yc0FLN041N3djZHUtQ083a05MMjBYa0hhSVhKYXNHc1Y0eg?oc=5) · cutoday.info
- 2025-12-17 [A credit union for African immigrants and African Americans opened in St. Ann to help build wealth - STLPR](https://news.google.com/rss/articles/CBMiswFBVV95cUxNbTlkMnBPeWV4ZkVsMlhjeFBTdkdhWWFGeno0cG5tS0hVa05IWk9zZzV4WDJoQ0hsMHNZNVg2UVB2RDZZQ1RuWm9zak9udlA5ZVhGVTlJN01HOWVJMFBWekJaekFLcmN0QnZJSEhZQXp0dXRTWDVUZW9CeUQ2Y1JaeDRZcDRwalNVZzlMckFRSWlvWWJXWVJYTXpjd0tCOHRqRnF4cUpFYVJjZ2tFRG9FRWhURQ?oc=5) · STLPR
- 2026-07-09 [2025 Annual Report - NCUA (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE1zOU5Zb1JTZTgzU21CYUNjTTdTOHYweVlja2lfQnNpR0NWVGJfcTEzcElrcEVVbXppSkZIdEdDaThWSFFXZXJudDR0YlJKVmRfT3hfNXhMUXAyZEhVSWFNLS1nSkpyUXJQNlNxVXhrM3NPQ1lNd0Q5WE8tY2pvQQ?oc=5) · NCUA (.gov)
- 2026-04-19 [African Diaspora Council plans wealth summit, gala in St. Louis - St. Louis American](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbGxBSVMyVW5VUFdlRUc2Y3NTUlpXV3dCT3RrejZWV3hnVm1YamtGMFNhb1dHRVVUS2JGeUdIYl9KU2NIQ2NMR3ZDczNzcUZEUHVTMlNsa2xmd2Y0aXdLOGhjNzlqWnJpRER5NnYxZVVFSXRYQ3FSQjBycm9QOWFnYkljTG5LRTdSRTlkUDNYTjE3aXlSN1hVVTNZZk16WDk0?oc=5) · St. Louis American
- 2026-08-25 [Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – August 25, 2026 - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQdkRDanFHajhtSE9ldlpXY24tLS1rOU9Hdnd3SGpfY0ZHeTdxYkVLOGtYTl9YSjFUZ19KcVc1ejZReGpnay1SSTd5Uk92TDY1RTY3VkVDLXhQMUROb0gyclBGMjluSlFVY05RNS15MnFnRGJkOUxCMjZVVDdIaW5OR1c5dUZsaHdZNW9felBLVFlVYmVYZU5WT3owRU1nVHNuLTJNY2c3SEdGMlpNZUE5bU1wM2FCTlpOUTZKWHNibUN2SjFaQmhVS096MC1CejlEQW5LUnJJU19HYVU?oc=5) · Consumer Financial Services Law Monitor
- 2026-05-20 [St. Louis Celebrates Africa Day - St. Louis Economic Development Partnership](https://news.google.com/rss/articles/CBMiVEFVX3lxTE1PR19nbERlcFBxLXpjY1BjTXBoNWRpWmQ0MzVWZW5OZkpwMzRmQjl6aF92bGtNa0ZkbENxTVJheVJ1cXhISGtuUXZadW15UUdSZzBrVg?oc=5) · St. Louis Economic Development Partnership
- 2025-12-17 [How Black America is Building Wealth and Preserving History Despite Challenging Times - The Root](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQWNTSHpfZHE5YThpQjRjRS1JRWRpWVp6OHRiTm02VDNaZmNUMXdBVTBJazdJVDllOUg5NzVfd1JJTThMTmxVR0pUV2c4czRBbzBZT2JRVks4cnR0T3B3MmVBZy1sbTk1LVNSeXlkekpkTDI5ZUEzVkZwRU1oRHhQVE04TWpFMGtXdy1uOVBnT2R3Wnc5?oc=5) · The Root
- 2026-09-01 [Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – September 1, 2026 - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPdHk3YlZuYnMwVTUxalBrYVpBWXNzdkJLMEpDOW1salBseEFDN2hpSXl3MFVrRTEtZGgwZVUtMXVxdXZJOHN3MlpRa2JsZ0xBeV9WQWo4RHdSTmNHYlpNOVVGQ3VtV3JfMFpvMnJhX0laTWZSY2p5eTZuWTgtenhnZlR6cnNPS3plMEIxMVJfRGc1VGNwZHcxMXlUeHRtb2lNVGpEU2RDTUxWdUZKeHNzb2RrRzZpYmlBNmk0UE44VllINlhXQTdVY1BSZ0x6ek1OYUZuZmhjUkJZM2tVNkE?oc=5) · Consumer Financial Services Law Monitor

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24975 (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/15.json (key "24975", 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=24975
- 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