# EDUCATIONAL
TOPEKA, KS · NCUA charter 60699 · asset band $200-500M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/educational-60699

Who the members are: state charter, organized 1939. 24,239 members of 40,000 potential (60.6% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $204.9M |
| Members | 24,239 (– YoY) |
| Full-time staff | 44 |
| Net worth | $19.0M |
| Net worth ratio | 9.3% (p30 of band) |
| ROA (annualized) | 1.19% (p96 of band) |
| Total delinquency | 0.46% (p37 of band) |
| Net charge-offs (annualized) | 0.59% (p76 of band) |
| Loans / shares | 82% (p66 of band) |
| Cash / assets | 2.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p75 of band) |
| Operating expense / assets | 3.32% (p39 of band) |
| Vehicles % of loans | 61% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 336% (p93 of band) |
| Vehicle delinquency | 0.48% (p55 of band) |
| Vehicle NCO | 0.73% (p69 of band) |
| Repossessed % of vehicle book | 0.10% (p71 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 18% |
| Average share balance | $4,563 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,292 |
| Loans granted, annualized | $71.9M |

## 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 | 2 | 3rd-party paper>100% NW, auto monoline |  |

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

- 2025-05-22 [Credit Union of America awards $24,000 in scholarships - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMnZSa0g0Sk9lYlloR0JwYjkzcEo4RFdMbnhvOGY2M2xybUpjaGxfcC02YVlpYjZzTjBtVXR4U3RORklhOXE5cVpTWWtlLVhGRWFCSWUtRTV3VHlvSzBfUnphbGxkVFJWZVFOTGtmQUdRY201QUNsNmdKenh2UnY3dlh5cUNRVDNqZmJWYnZPMUtfdk0zZUNKeQ?oc=5) · CUInsight
- 2015-12-19 [Topeka credit unions outpace banks in growth over three years - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPLUdEWERQM2VmbGt3Z1kxMmhFaDR1empUaTk2ZHFKX0gtRFExbFB5WnFjVl9jdnQ0UVJqUWxiY3lfeHYtRTM2VnNSbEdNVmdZbEpMYTZTUUxPblRaaW5KZTdreTlUNlFDOWVuQlJCV3pRWlNTZWU2MGFhRXFNUXVuQ1E0RFItOUlfUV9QUHI4aS1ydnMzblVCeXlLSnhfOHZDb1R6RjE1Zy1CSS15SGI4VzdjWi1iNC1uYTlkUmxGQmp2Zw?oc=5) · The Topeka Capital-Journal
- 2025-09-09 [Day Air Credit Union to Host College Prep Night at Day Air Ballpark on September 9 - MLB.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPRmIwRWMzdFhhSmdrMTA1ZndVbExPbi1mNmJ2VFpXU04taDNfNlE0eTBkLXY5TEJ4aDZha05NbDZPQ0ZlQ3FoQ1BSRjNDWWszZmNIcndKTDVYYllhTVNjQTdBVXJlek1nZXdGbGZYWWhFemVlNVB0YnJUVlJvVzZzdEstNXROMDA5RzUxci04NFp5U0tYVGR5aGZTQk0xVUp5a2RKRVlLV2VJTEtxZklwYm9QNDVwZGpwOXJSOGFkQ2ZMM2lRRFAzMHhB?oc=5) · MLB.com
- 2020-08-26 [Two Topeka CUs Plan 'Merger Of Equals' Under Azura CU Name - americanbanker.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOW9JZ1c5bF9GSTlWSlVBaG5FOXYwQUlSekY0RnpLbnRPR3dJSDNmV0xGeE1CeXZNWlh6TVU4R2RjQzR4SWR3SW8xejZfVk1MMzE5WDJDNEUxWGphLVVxTzFJNmNfUEs1X0o4V2ljdWc4MUEzTmNmdjBJTTNjdlVPYW5naEpjX3hsTGtyZkhVdllaSG9iRUVwWlA0SFVXN25leEwzMjdkODA?oc=5) · americanbanker.com
- 2026-03-27 [Investing in People - City Lifestyle](https://news.google.com/rss/articles/CBMiUkFVX3lxTE5PaU1HNFRKNWRKM3JJa2xSUmZGUXd5b1BZb0FQbDhhaHEzcE96RHJaZXV3ODRNZ3l0UFRZWkJPQVoyWEZxT0dXaXc4clc5S19MZGc?oc=5) · City Lifestyle
- 2020-10-19 [Mazuma Credit Union Uses a Uniquely Lighthearted Strategy to Become Kansas City’s Preferred Financial Institution - CardRates.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPN2RJTlA3Tmh3U0k5NFVVWDlfb09GQVRpYk0xX0VaV0p6VURUV2ZBLTNMMnB4YWNWNUk2b2xvMy0wVW5XbmhWMzJXNUdDbmRRWHVyR19HNm00ck9fZGsxQzFLeTdOZkxrU05NbzNkVHNpU1pXOHdLVWtleXpwXzhCTmQyQXlaTTEyWElBb093NGU2NjRlNkN5WQ?oc=5) · CardRates.com
- 2024-09-22 [Amy Suzanne Akin Obituary Jun 26, 2013 - Parker-Price & Davidson - Parker-Price & Davidson](https://news.google.com/rss/articles/CBMiZEFVX3lxTE03OC1XUGo2VU5qalF4MEhCNmE5bElMSlpVVzVKUE01WDRyMDlKcFg1SFp1UFBiTVNPazZjUDlSLUJKS2FVUWF6dkVXb1R1OEMtdFYtaEppeklJU1VVN2UydllYWXY?oc=5) · Parker-Price & Davidson
- 2024-09-18 [Kasey Allen Pike Obituary Aug 7, 2012 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiZEFVX3lxTE10Y0dfN2pCSkxvVDBKeU9fcUg0MjhWa3RORkx4X1VoLWZxQ0J2cjRXN0o2aEJtNVdpejg3dFZFQ0xpam9sWjNHMzN6eERpY21ZNmswb1VwYlQzYXVqTkI5WkpSc1I?oc=5) · Dove Cremations & Funerals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60699 (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/27.json (key "60699", 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=60699
- 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