# SUNFLOWER
Valley Center, KS · NCUA charter 3868 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunflower-3868

Who the members are: federal charter, service (single sponsor), organized 1940. 101 members of 121 potential (83.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $344,357 |
| Members | 101 (0.0% YoY) |
| Full-time staff | 1 |
| Net worth | $43,219 |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | -2.48% (p5 of band) |
| Total delinquency | 11.20% (p98 of band) |
| Net charge-offs (annualized) | -1.83% (p1 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 20.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.66% (p98 of band) |
| Operating expense / assets | 10.01% (p98 of band) |
| Vehicles % of loans | 70% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 8.74% (p98 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,970 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $5,123 |
| Loans granted, annualized | $217,916 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, delinquency 2x band, loans>95% of shares, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 7 | losing money, margin squeeze, delinquency rising |  |
| 2017-06 | 8 | net worth falling, charge-offs p90 | delinquency rising |
| 2017-09 | 7 | assets shrinking | margin squeeze, net worth falling |
| 2017-12 | 7 |  |  |
| 2018-03 | 7 | net worth falling, members leaving | losing money, charge-offs p90 |
| 2018-06 | 6 | leaning on borrowings | net worth falling, members leaving |
| 2018-09 | 4 |  | delinquency 2x band, leaning on borrowings |
| 2018-12 | 5 | delinquency 2x band |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | delinquency rising |  |
| 2019-09 | 8 | members leaving, loan book shrinking |  |
| 2019-12 | 6 |  | loans>95% of shares, delinquency rising |
| 2020-03 | 9 | net worth falling, losing money, margin squeeze, delinquency rising | assets shrinking |
| 2020-06 | 7 |  | members leaving, delinquency rising |
| 2020-09 | 8 | delinquency rising |  |
| 2020-12 | 6 |  | loan book shrinking, net worth falling |
| 2021-03 | 4 |  | margin squeeze, delinquency rising |
| 2021-06 | 7 | margin squeeze, delinquency rising, assets shrinking |  |
| 2021-09 | 6 | loans>95% of shares | margin squeeze, delinquency rising |
| 2021-12 | 3 |  | delinquency 2x band, losing money, assets shrinking |
| 2022-03 | 4 | losing money, delinquency 2x band | loans>95% of shares |
| 2022-06 | 5 | loans>95% of shares |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | loans>95% of shares |
| 2023-03 | 3 |  | delinquency 2x band |
| 2023-06 | 7 | delinquency 2x band, delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2023-09 | 8 | assets shrinking |  |
| 2023-12 | 7 |  | leaning on borrowings |
| 2024-03 | 9 | net worth falling, charge-offs p90 |  |
| 2024-06 | 7 |  | delinquency rising, net worth falling |
| 2024-09 | 9 | delinquency rising, members leaving |  |
| 2024-12 | 9 |  |  |
| 2025-03 | 8 | loan book shrinking | charge-offs p90, delinquency rising |
| 2025-06 | 9 | delinquency rising |  |
| 2025-09 | 6 | net worth falling | assets shrinking, members leaving, loan book shrinking, delinquency rising |
| 2025-12 | 7 | assets shrinking, loan book shrinking | net worth falling |
| 2026-03 | 6 | margin squeeze, delinquency rising | loans>95% of shares, assets shrinking, loan book shrinking |

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

- 2026-01-08 [The Best Savings Accounts in Kansas for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMidkFVX3lxTFBvWHZydmdtVk93akwxaDdXZkpuaEctTFJWRk41dnd4OTRXSVFPci1VbVVmdHI2YzcyVU1BY2RzNGx6QTc2YWJCX0RaU3dvdjRhVXZwNUtVdEtjTXdCOGlFN2dSNXhiQkFzcExnZ2lsb1RRX0kwZEE?oc=5) · MoneyRates
- 2026-03-16 [Denver bank cleared for $785M California acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZ09LSTB0WHpRWVlRZTBPTXBqOTZMTGJ3U3BCdzVLYnQwMFRyR2dwRE1kNWJNRE8tRGxjS0dvcmZHRTFnenk3bHJxTGZkWFo3NnpCZmtjT24tQnZsV0hSdmg4UW5OMXE3VU82ZXFrZzdRYmQwU0lnOFI4ZW13OXY1a2ZOVk1iX0hKdFlhOWJfZXhJQlA4Y2U5Z3ZIVlRGdjZSY1poag?oc=5) · The Business Journals
- 2025-10-06 [United Way of Central Kansas brings Reality U financial literacy simulation to local students - gbtribune.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPQjA1bkdZM0tsZ19rRHp3TV93TjdVRDE2eDNWWnM5ejV1OUdYYVRHS1lwaE85UFdmMk8wR1d2RDVJQXRNckQ5MVdhUWZGV29LdmNERjVEc2k2YlRzeVdmVG5hTTN1azh2NzFiTWdHaVVnWlprd0RNQi1qNm9fckcyM0RxNUJLU0NUTmpJaTZNM0M0ZmVINWlqVlJHQzBBbDN2Tmh6eG5wakxzUlR4WHVMTHFqY3poS05Kb2IyTktmNHV2OTU2N1ltbVYyc3RUQzVnQnc?oc=5) · gbtribune.com
- 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
- 2026-05-07 [Kansas City Current II Unveils 2026 Summer Home Match Schedule - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNUp5M0JBaDVfNUZQa0dNVGFpSHhtdkd4TG1WVVcwZWZvYXA4N2luRk1wNWluQlNyLUlfQ1NVR0VpbVB0aHpJYlBGNWFVaGJjUVRyYnpwSF9TTTJ1QXFncElzQ1Q4cGs5Y2ZxQTFJRUJoR2VPNDE3NEZtVkhJM0lxbVVuTzU3NDZnbTd3Vk94TmE0ck5STkJjcVJZVHBLOGds?oc=5) · Kansas City Current
- 2025-12-29 [Wishing Everyone a Happy New Year! - U.S. Senator Jerry Moran (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNEN2OHNkQ0toUnladzhsc3pjZ1hGeTdPaGdPOVh2N2U0VTg3RFVlYkUyN1JIMkFkdjNsS0dRNm0tcl9VanBYanNiTlpBNnZ1VDdDdldYR0Zwc3FYWFUwZHBRVVo4clZ0UHA1WFRmcS1mc2RpZ1F6TWpNeEpKN0dNclRWZzBva0ZRNFE2eUJlazBlNndWTS1ZMEVDcnc?oc=5) · U.S. Senator Jerry Moran (.gov)
- 2026-04-13 [Wichita State’s College of Education celebrates a century - thesunflower.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdnJlVmxNY192VFpRak95RkptUXUwZjh4aGV1TVVXUEZIX0Z1eG9WcmhhaHd5R09TT1NzdHRRaktaUzZ4b0hJUGpxXzRsRXdVdHBMOG5tZXMySHktTGNBMzRRSVY5UEs4WThsU2dsYlBNRVhic1BQLU1hV2FOZlo3RTl3aWtGTXFaRTRmMVJMZDIxaHJUUFF4dlJn?oc=5) · thesunflower.com
- 2024-09-23 [Donald E. Huls, Jr. Obituary Oct 11, 2019 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiYkFVX3lxTE81SGxpWm5QekwzcGpucVFncmRmX2J6bmVoSjB2ZlVFckFmR0FLVm5Oblp3bk92UEpTREwteFRhUUI2bGJwX1hsanBoazVmU0pwUkpjSWZzNDk1bVlpYm83MkhB?oc=5) · Dove Cremations &amp; Funerals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3868 (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/28.json (key "3868", 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=3868
- 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