# MIDWEST REGIONAL
Kansas City, KS · NCUA charter 60037 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/midwest-regional-60037

Who the members are: state charter, organized 1938. 7,404 members of 200,000 potential (3.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 1182.

**Verdict on the desk:** this could be *auto monoline*. 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 | $72.7M |
| Members | 7,404 (-1.2% YoY) |
| Full-time staff | 15 |
| Net worth | $7.9M |
| Net worth ratio | 10.8% (p28 of band) |
| ROA (annualized) | 0.68% (p49 of band) |
| Total delinquency | 0.65% (p51 of band) |
| Net charge-offs (annualized) | 0.77% (p83 of band) |
| Loans / shares | 47% (p25 of band) |
| Cash / assets | 28.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p64 of band) |
| Operating expense / assets | 3.28% (p41 of band) |
| Vehicles % of loans | 67% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 275% (p97 of band) |
| Vehicle delinquency | 0.94% (p68 of band) |
| Vehicle NCO | 1.67% (p92 of band) |
| Repossessed % of vehicle book | 0.13% (p87 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 11% |
| Average share balance | $6,440 |
| Participations bought / yr | $4.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $12.9M |
| Loans outstanding per 100 members | 1182% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $349 |
| Loans granted, annualized | $8.9M |

## Participation posture (from the same filings)

Bought $4.3M and sold $0 in the latest annualized quarter; $12.9M outstanding purchased (164.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -2.7% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 | charge-offs p90 | 3rd-party paper>100% NW |
| 2016-12 | 2 |  |  |
| 2017-03 | 7 | thin capital, net worth falling, losing money, delinquency rising, loan book shrinking |  |
| 2017-06 | 6 | 3rd-party paper>100% NW | delinquency rising, loan book shrinking |
| 2017-09 | 6 | members leaving | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 3 |  | delinquency 2x band, charge-offs p90, losing money |
| 2018-06 | 2 | assets shrinking | thin capital, members leaving |
| 2018-09 | 2 | charge-offs p90 | assets shrinking |
| 2018-12 | 4 | assets shrinking, auto monoline |  |
| 2019-03 | 2 |  | charge-offs p90, assets shrinking |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 6 | net worth falling, losing money, margin squeeze, members leaving |  |
| 2020-09 | 5 | loan book shrinking | net worth falling, members leaving |
| 2020-12 | 6 | thin capital |  |
| 2021-03 | 7 | net worth falling |  |
| 2021-06 | 6 |  | loan book shrinking |
| 2021-09 | 6 |  |  |
| 2021-12 | 5 |  | auto monoline |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 4 | delinquency rising, members leaving | losing money, net worth falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | auto monoline |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 5 |  | delinquency rising |
| 2023-12 | 6 | delinquency rising |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 3 |  | thin capital, assets shrinking, delinquency rising |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2008-12-17 [Suspect arrested in Lawrence credit union robbery - Lawrence Journal-World](https://news.google.com/rss/articles/CBMikwFBVV95cUxQQ0luU3lOb0RFMEpFZkpDLWNFYjVsa1BCdXNYUTZOQm14V2dnQUo5SFlFMDRyWFlEZHphRGo0TVc3eHBwa2RSbllvUVV5Z2t2eW1zNEtyNEhlRHQ5d1M0ajdxczlTWlZqRmtiOUVQVHVUb2I3bENBdDBYeE1oeWlOZElIU3RISUVjNDA2emZleWd3ZlE?oc=5) · Lawrence Journal-World
- 2005-08-22 [Norman Randall Obituary Aug 22, 2005 - Speaks Chapels](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBITlZkaWJ1ODNYRnF5a3ZMckxBT2FwTkpvN0J1WUdqSEpMODZWUGVpZHFBV2MyeVREaGR3NzlOY1NMR0thbHN5RTRrUmRzQTNNVkttR1V5bGFtYVptZm5YcUk2SFE?oc=5) · Speaks Chapels
- 2023-11-21 [Bank buys strip mall for $4M in area that's become a St. Louis hotspot for bank branches - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQalNBVzhGRjdMNmFGaUcyQUJOQjBnVWdYcjhCd3lmd2laMFF0c1kzb25lNnN0R2RhYjlGamVYRVUwU1M3NnNRU0hVZHMxSjhtVVhjczVBSUhtcE1nVGtLU1J3dTV2WUUyVGhQTDlJVF9UY2F1R2kxa2EzWGlZbGdfdEE4TE13djR5WHZpbnRld2ExM2R3Wld6cWdhUjZ5dlppNVVBM1ZXMA?oc=5) · The Business Journals
- 2021-12-05 [Ira Salvini Obituary (2019) - Lawrence, Ks, NV - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdjdNWkh2LTlXLVVtNnRKZjJuU1dCYm1qQnJHdzF5a19oOXNNQmJ4RFdvNjJsdnZLV1dxTlVUOTZUa2FmN3NDNWwtWnl1QmxYX2l0RWtkVjI0eTNQUDR1NDY5Tmd3SGE1WUdrRm9acDd3Sno0NVRTWFBLYm1nbHo3Z0hGMUgzeHpmb0VWa2UtTkU3N2I2?oc=5) · Lawrence Journal-World
- 2004-12-04 [Police arrest suspect in credit union robbery - Lawrence Journal-World](https://news.google.com/rss/articles/CBMickFVX3lxTE16OGVuLW9tTGpLSGd6VnhNMVFmTWhJZHNUZGVGVFcza3UzSXIwNDhDS0FuY3dINnR3NDFIMFp0cGk1ZS1yUUNjUGlIem1SaHdRNi1mWi1IMjNaM2ZsV0ljY1l0OF9ldkJYRmVTNG9OSkR3Zw?oc=5) · Lawrence Journal-World
- 2003-02-15 [Bank president helps nab suspect in Lawrence heist - Lawrence Journal-World](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KalZMaG9VZF9FdWVNeXdXTGlnd3R1RkVJQ3h2ek9vbkxKWXBfcFhNUVhSR1BFZmpsT1M0QmNua3RwS2RqeWtsT2RDN1FTajJvLWF3dnp1Y0JRR1owTXd3QWtrNzZZR2tPU1Ita3hyRy0?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60037 (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/5.json (key "60037", 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=60037
- 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