# LEVO
Sioux Falls, SD · NCUA charter 60 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/levo-60

Who the members are: federal charter, community charter, organized 1934. 37,283 members of 1,009,437 potential (3.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 65.

**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 | $526.6M |
| Members | 37,283 (2.4% YoY) |
| Full-time staff | 121 |
| Net worth | $58.2M |
| Net worth ratio | 11.1% (p60 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 1.57% (p96 of band) |
| Net charge-offs (annualized) | 0.83% (p80 of band) |
| Loans / shares | 70% (p23 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p85 of band) |
| Operating expense / assets | 3.93% (p68 of band) |
| Vehicles % of loans | 33% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 60% (p40 of band) |
| Vehicle delinquency | 3.16% (p100 of band) |
| Vehicle NCO | 2.28% (p89 of band) |
| Repossessed % of vehicle book | 0.59% (p97 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 78% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 23% |
| Average share balance | $6,661 |
| Participations bought / yr | $491,516 |
| Participations sold / yr | $947,412 |
| Participations outstanding | $15.4M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $13,475 |
| Loans granted, annualized | $219.7M |

## Participation posture (from the same filings)

Bought $491,516 and sold $947,412 in the latest annualized quarter; $15.4M outstanding purchased (26.4% of net worth), $502,939 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, delinquency rising |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency 2x band |
| 2023-03 | 1 | delinquency 2x band |  |
| 2023-06 | 0 |  | delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, repo signal |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2026-07-23 [Presidents Bowl receives $8,750 from FHLB Des Moines and Levo Credit Union - Dakota News Now](https://news.google.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?oc=5) · Dakota News Now
- 2026-06-26 [Levo Credit Union celebrates North Dakota debut - InForum](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSW1QQU9nSTduMl90dDA5ckttWllEWGtfTEtPR3oyd2puZXFMVWVkV0kzdlpWemlOVlVFSHBZVk5iTkpUb0xpUmZoMFp2T0hPQk0yYTQ5Y1ZmMXZjQUtNeFdnLWVicEpsdzljVFEyMEpjQkg3ZXgzdGpSbW9TeldkMWlGRjJKOEdIWUE?oc=5) · InForum
- 2026-02-09 [Sioux Falls teacher wins classroom grant - Dakota News Now](https://news.google.com/rss/articles/CBMiigFBVV95cUxQR0JMN0k2alpSWmZEdldSM3JLdkVKbkNxZW5QQ25jcVgwcjk2OS00UEN3WG5qSndQUHJLb1RvaW9oazJaQ2FzLVdZbTlURktNN1V4Y0FIXzZQMy1XUXdSLVBaUHdqbFNsQ1BmeVBtOHZQVGpEQ0lrZ2FuamliMmFEQ3FZVFdTR056WkHSAZ4BQVVfeXFMUHVCSTJqZlVwOFhtMlJ4YmJQbFNPNjV5UzdqTkVJeldfTGVLMDY1UTdjZGFsV0lCTjZuRjVobDlKRTZkN09EZTVtU3J5dTZBaTdCZ0QxUGh3di1UOHU4dTRMdGVlZWdJSlFlb0hUU0pXVmRLR2ZTcWprajZYWExIWG1YcVhZRFN5RnBnZVhtNGcxU2FfUW9pR0VkR0JSVVE?oc=5) · Dakota News Now
- 2024-12-11 [Levo Credit Union cleared to open in Sioux City - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVGF0czBpcktxUzVvVkpRMkpWRGpQZlhEcjF5eUNNSGtXMDR3UEo4aVZ1dUlMN01EUnEzNzQwODBZTW83RzBqU0FoWHFpckU2dkJud3ozdTdjQlAzcFFUdDVIeXE1X1Z4Nm9ybVBTUlQxV3drbHhGSV9wZDZIUFJLcGJR?oc=5) · SiouxFalls.Business
- 2024-12-09 [Heritage Bank Branch in Sioux City sold to Levo Credit Union - KTIV](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbHh6MkJvTDN1QkZ6OHVfbVFieFh2UXZUcWViS0pxZHNJM014ZF9aZERteksxbnlxQVFXN1IxSm1aV2dMa0loQlBaVFk3UWY5aVdldjBTRVhjV01RUWJaOGZRVk5EMy01Vm9CSF9UYjFXaUtXWnVMSHFSMUg4R0tpVmxvZXVJVi1QdkN2ZjdaZ0PSAaQBQVVfeXFMTUdCWmdDbnB5N2Q0OTlmeXFfbWdIQ1BmcW45ckxmQ2x1Q1ZWalN4ZFJVcGV3RzRTTGxqUnE2Q2k3STZaa0RMb3k2MUYzeTFaYU5nUmdxaTdIMUNzbW5wVExQalRVYWR2NFA4UDJUeGZBcDhtWVVBUzlmclhBX3NkSVkyRU83UWxfLXZXOTB6amlTaHk2VDBMeWlVTDNLYVFUSWdxUnk?oc=5) · KTIV
- 2024-10-02 [Deceit caught: What check washing looks like - KELOLAND.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSHhhb28zMTVEM09iMGJtc3BJY1VMLWxFcWFXTVVGanJxWkU5LU1hLXVMOF9UdWZ4NGZFS2VGcEpFc0xoOGpVZ21QUHluM0xsbzFXRGdOQ0Z6YkpMTjl5ZG02Y3pTR0l6Q0NOZmF0NmVQZnlMbzR2Rm5SYjB1TjJIUHh4MW01bDE3V3Nyclpn0gGTAUFVX3lxTE1jQUYzcXlTUmZXS0dOWkRMbnE2TGsyOEhBd0dUSEZxNlVKazhsZHkyd3hsa2lreUdiQUkyRVRYU2Y0RUx0MTVzcW13M1NQQTVpTUNBRlUyYnZkWGxvNUUwbk9ITDFyQ3hkT1l2NTFEb08xNEF4ZjhrN2FZOWc5WEtjM3JVWEFNeHFlOWdqNjZJWmxDcw?oc=5) · KELOLAND.com
- 2025-02-03 [Levo Credit Union to award $10,000 to local nonprofits - KCAU 9 News](https://news.google.com/rss/articles/CBMilwFBVV95cUxONC00bzdTSWpnWlZrQmlWWGcxUFZScTFqc0hMTkppQS1uaU51eTh3ZFozbkN4b3RVaVJHZk55N2hIODE5RzVEZ3Q3V2FObEVfeUVvaTBEMF9oSFlsb0tWdTM3T0o1emVFelMzcXhqbm50ZnhMeThVZ0FtSHVwZ1hCd19veHZ4RFhReXlMV1kzVXIwelI4LXFF0gGcAUFVX3lxTE9HUUoyQVJXWDNrNXJUc1RFQ1pQcElQcFJka1ZZbEM0RDJoemxneFN5VnBFQjJMd09LcjRULWR2SHNHQkVfMm1Yc3JoOUptOW5MZ2JKRXI3bmNCNEZjalhEcDltQlFNSDZSV3dXM05yWUk5UkYzWFhNZmJWelZJV19DYW9NMmE5Zk5NWlVqRmJCQ0dkYVR2UE9XeWYtZQ?oc=5) · KCAU 9 News
- 2021-11-01 [Levo Credit Union Selects Scienaptic’s AI-Powered Credit Decisioning Platform to Enhance Loan Approvals and Member Experience - financialit.net](https://news.google.com/rss/articles/CBMivAFBVV95cUxOOTBFdVBZOEcxYm9vemN1OXRWaHpnZ2FRZDY1UmVRdW5wZmZVcW1rZzlOSFJOanlabGloMkxHeDRXU0tDeHNnWGZMMVB4QmoyMThDWnJaX1BOTEo2S0hMOGgwZEhNWEVDWmhhbzlYUWVtR0UwU3llSHFLX0RMREpTZmdla2ZsUC1HQnhkZGctRGNWODdyT25jQTdBWmxZTDJoSFAza3pGV29XOTRZYVdCMnkyOHRIb21QQWdxaA?oc=5) · financialit.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60 (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/60.json (key "60", 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=60
- 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