# CENTRAL MISSOURI COMMUNITY
WARRENSBURG, MO · NCUA charter 60383 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-missouri-community-60383

Who the members are: state charter, organized 1961. 14,712 members of 100,000 potential (14.7% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $141.6M |
| Members | 14,712 (-0.6% YoY) |
| Full-time staff | 41 |
| Net worth | $11.3M |
| Net worth ratio | 8.0% (p4 of band) |
| ROA (annualized) | 0.27% (p22 of band) |
| Total delinquency | 0.44% (p36 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 70% (p50 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p57 of band) |
| Operating expense / assets | 5.14% (p89 of band) |
| Vehicles % of loans | 57% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.29% (p29 of band) |
| Vehicle NCO | 0.34% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 14% |
| Average share balance | $5,095 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,232 |
| Loans granted, annualized | $45.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | expense trap |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 4 | net worth falling, losing money | delinquency rising |
| 2019-06 | 4 | members leaving | net worth falling |
| 2019-09 | 3 |  | losing money |
| 2019-12 | 4 | delinquency 2x band |  |
| 2020-03 | 3 |  | delinquency 2x band |
| 2020-06 | 3 | net worth falling | members leaving |
| 2020-09 | 3 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 6 | capital below 7%, net worth falling, margin squeeze |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | net worth falling, losing money |  |
| 2022-06 | 4 |  | net worth falling, losing money |
| 2022-09 | 5 | delinquency 2x band, delinquency rising | expense trap |
| 2022-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | losing money, delinquency rising |  |
| 2023-09 | 5 | assets shrinking | delinquency rising |
| 2023-12 | 2 |  | capital below 7%, losing money |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | members leaving | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2021-01-30 [Thomas-Summers engagement - Sedalia Democrat](https://news.google.com/rss/articles/CBMifEFVX3lxTE40WVBRb255WjVPZGdvdGk4YnNSRDk1RFdZZENEOWFZUTA4ZGx3QUluTU9ETE1XeUF2d0JfWjlYanAzWTRtMG9MVkRob3ZnLU9HVVEyU0h5eHlDaHRLQVBhcDJXQVB3Z2ZYWWNNcFAwWWtKUUU0SHliQVhOTng?oc=5) · Sedalia Democrat
- 2016-04-20 [Tornado damages barn in central Missouri - KY3](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdDlIYjdPcWhralVFUzFZejFEWFRGWkdJeHhmVVJzeTdrYVZLMDNyNHl4STJWRXpVQzdfeUhLWjZOYmxOU0gtcmE0YU9leXozZjFpUE5MMHllQm1ma1hwVEpTYkl3ZkIxYWRXQm5kRDlpNzBIU2R1QkRLU1JnOXNtcEN5RVltQXFESFVoR2hzZHdpUdIBpgFBVV95cUxPOHljR1lxZFRuQS1GbEVyQ1FIUEIyN0hvNHVVeFdlMW93WW5HM3k4bFZxR3B0OUZPMktaTGtzRGREZ21KRWJsWUlVa2Q4Z0xuM0NEbXM5V0xxWGM1X09Sd0VFRXZmOHhwNWY1RjR6aUxGQ1lrVDR4RFIzYVFJdkxpM1AxR2FHSEZ2bDU2U0JlcEFmOUwxdDVOVXVLeElWYnFZa09wT2dR?oc=5) · KY3
- 2026-07-27 [Michele Muin Obituary (1945 - 2026) - Sedalia, MO - SedaliaDemocrat.com - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTHJocndzeFBvdTRUb2FUUXBveU5JUVRIeGhJR3N2MmxETVpseHhTZ3gwbjBab0gzcURIakdJVGlCNzJMLUhnRUVQQ1ltQnAyOS1VNjlYYmFsVG5ZODRYUGNaNW9HRjhSTjNYRHhlMEVfZWt3R3VUNWF4c043RmRJaEw0Sk04RHlrbVJlN0FBdjJURVhOR0E?oc=5) · legacy.com
- 2014-07-16 [Johnson County Fair Meat Animal Sale Results - KMZU.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNSTJnTXE5VDFPUzc3WklTLVAzMWxFaFFGd2lpcGdydk5QQWppMVA2cVp5ZUlaVnNYWUR6Qy0xV1pfZGZpZERFZzBfaDJiYVZmWnJ6RXI0ajF2NXpqY2ZDRkdZazJSc2lYWWhnUE83eTBvS3lzbFFmR1ZJNXRWc2FZWVRLRmpoRmtpTHpoQXpjSms4Z1k5TjIwQmU1MTdmZm8wWWt3dmt3QXc4YlluY1FRZThrRXdCOVczLTZsTzJMVk9tRjE4?oc=5) · KMZU.com
- 2020-06-05 [Community Foundation of the Ozarks crosses $2 million milestone for COVID-19 grant-making - KY3](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPMlFsUkwzb0d4a0dEVUNpcVNHOEtDSzA2U092eU4tUG81VHFrUDZnT2F1MUxYMUJTeFRqLXBSVnRqdmZhY1FNLVFYTHJOTmhpWFFhTXFqb1dEdTBmdGJTQ19lQjZYMjRtLVR3ODBHdGtZUVpfYmtGWmNQSEc3eTBDaUZ2clFrOUpDY05PdWpLT0NHVERGMURZNFNSbHB2NjNodVllOXZRemdVVVZkNmM2bUhQUi1mbmVHSWg0S1dVN28zQU5YZGd4V1ROcFp2dW5D0gHkAUFVX3lxTE9XNFdPUTBMX1FCdWNmdlVhR2dCVTNGUUwxcjJZRGZmN3pocDJ6YTBPbTMzVjZfSi1LdWZNWk0yelkxZ3RaRWtDQi04S0FIcWVlSDF1WUxYcVc0ZF9yYU1wSmVtN2t6eV9YWjJFZmtPMUhqX0pYM3pIdGlvN2RTUFBHeDdmSFNDck0yLUMwX2R2X2cxZXZybHZyRDFxVjM3aXVScm9TVVZmY01MbWY5TV9pZEs5OEE3alBnWVZFaTBmVldaMDRwWkRyVDBiSXlSSzgxOGVWR216SzRmRjN6X1d5SGVhcQ?oc=5) · KY3
- 2020-10-31 [Sedalia's Influence: Diana Nichols dedicates her life to caring for others - Sedalia Democrat](https://news.google.com/rss/articles/CBMiugFBVV95cUxQU3VvTHpDbUxtYlFYc252V2VjaGVZNVdoS2xNQ2VzRjNFN256REFzOGgwUkNXcHRCWHROUDMwUFJhVElSZkh2U3JVNXdweG5qV3J3ZGlLelpNS3RrVjN6R3cwR1IyU1M5am93eUo1REdqZHZPOEhmWktPQWFGaTZaVnExelBaVVlOQkFyVlZCMy1FRkFzRGhBMUlZeXNsUEI3OWo5R0Ntc24zZzVLeXB1WG5Gak0zc3V4TXc?oc=5) · Sedalia Democrat
- 2022-08-14 [William Ketcherside Obituary (1931 - 2022) - Warrensburg, MO - Warrensburg Star-Journal - legacy.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcW5Zdjh3NllGaU0tLTV4ZlpwN25YTFZicWtlVnF6TW9rSWRLWG1DYkhBNVpPc1dBSHlZNlB0bW9yXzd3MkJ4bTRUdDhwUFd4cXV6Y0phMi1SSm81Z1VnU1ZuVmc1N1RGdElKNDhIYVNfdWZVcjVvY3RqR0dlbks3eENnZTFKN3FweHMtWUdIMzNMWVZsTy0wZTctdEVyYm9IekZocEszQmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60383 (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/31.json (key "60383", 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=60383
- 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