# CAMPUS
Wichita, KS · NCUA charter 60731 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/campus-60731

Who the members are: state charter, organized 1952, low-income designated. 4,584 members of 647,610 potential (0.7% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $41.4M |
| Members | 4,584 (-1.6% YoY) |
| Full-time staff | 12 |
| Net worth | $3.6M |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | 0.24% (p34 of band) |
| Total delinquency | 0.23% (p33 of band) |
| Net charge-offs (annualized) | 0.09% (p57 of band) |
| Loans / shares | 75% (p75 of band) |
| Cash / assets | 23.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.11% (p88 of band) |
| Operating expense / assets | 4.83% (p76 of band) |
| Vehicles % of loans | 69% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.27% (p42 of band) |
| Vehicle NCO | 0.83% (p85 of band) |
| Repossessed % of vehicle book | 0.30% (p95 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 20% |
| Average share balance | $5,971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.0M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $12,808 |
| Loans granted, annualized | $13.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.0M outstanding purchased (28.1% of net worth), $276,101 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 12.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | delinquency 2x band, repo signal |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 5 | delinquency rising | net worth falling |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 | assets shrinking | delinquency rising |
| 2017-12 | 5 |  |  |
| 2018-03 | 3 |  | delinquency 2x band, assets shrinking |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 3 |  | assets shrinking |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | members leaving |  |
| 2020-03 | 3 |  | charge-offs p90, assets shrinking |
| 2020-06 | 5 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | repo signal, net worth falling |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 6 | net worth falling, repo signal |  |
| 2021-06 | 7 | delinquency rising, charge-offs p90 | repo signal |
| 2021-09 | 8 | repo signal |  |
| 2021-12 | 6 | losing money | delinquency rising, charge-offs p90, repo signal |
| 2022-03 | 4 | repo signal | members leaving, margin squeeze, delinquency 2x band |
| 2022-06 | 6 | charge-offs p90, members leaving |  |
| 2022-09 | 3 |  | repo signal, charge-offs p90, members leaving |
| 2022-12 | 3 | repo signal | net worth falling |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 | delinquency rising | assets shrinking |
| 2023-12 | 5 | net worth falling, delinquency 2x band |  |
| 2024-03 | 7 | expense trap, repo signal |  |
| 2024-06 | 5 |  | net worth falling, repo signal |
| 2024-09 | 5 | charge-offs p90, repo signal | delinquency rising, delinquency 2x band |
| 2024-12 | 3 | net worth falling | losing money, expense trap, repo signal |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 | thin capital | delinquency 2x band, delinquency rising |

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

- 2026-08-24 [VyStar commits millions to UF as Jacksonville campus moves ahead - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVlUydVVaQXBpWTY5WTh2b2EyeGdxVWdIT2RJQW5MWkQ5WU15b3dGM0poU25RZy1EOHBwS2FibjRIY1F5S1JIZ2ZpNUpkQ01fLTY5YndpYmZ2SjF5VXM3NXZrWlRCLWRtejhkMm9XQjllR3pwS2JsdVR4TGZBQldOeDVyeDBUdmQxdHVBU2ktTXNqVng2NW9sWW1Gbw?oc=5) · The Business Journals
- 2026-08-17 [KCKCC opens new downtown campus for 1st day of classes amidst turnover, uncertainty next door - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOZFV0bTJsQnBxTGlnbm43QW1aZDVidVZNQlV5emRJU3NwSHUwX0VtaThMZlNPOVlVVmFUMGpVSDBFejFlZXdFQ1FybmloZkFyTXJzclktWGZwR3k5NWxaYmJlMW1LajlmWHhwNnQzTWRaRDdlQVc0dk84Skw2WE1pVDB0U0s1ajlVeF9kS1pfMlRwR3JXYm1HMnVxMC0ycm1GVGV5c3J4U0FOUU1NRGROck5HOUVqaWdRY3VBZ1R1ekd3U0lPbDZHeDlzN3dvVnVfazFDVkZlN3JCMkNEUlVlcWJwN202TnVE?oc=5) · KSHB 41 Kansas City
- 2026-06-24 [Kansas-Based Credit Union Lands Naming Rights for Razorback Stadium - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNd3Q3clNLTjhmTkpNd2hheFJ4MnpobkxfSWpGa1c4NXpEVWRtaWlvQmlzSXNzX2M5UjNITXRYc3laTFZ5VG1ROEIwdTJqYzBuWjhoTFhlN2tabngyNEVXWkhMMUVhdlVobmpGWGZUVmFqMC1JSGJzQk9aM1prT1FPVzVHWlcwRmFjR3ZGdzlhbzZXamNY?oc=5) · Arkansas Business
- 2026-02-25 [New $75 million downtown KCKCC campus expected to open in fall 2026 - FOX4KC.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNeWQwZHpkQlZNX2ViWDFFaTAzRUExUks0U0NtMnlyRHlVc05EeE9HN1EwUVlrQmZvRW9rWWozcXlwZjZVMkpxYnI4c1NuUU5LNHF2eVBCTUNWV2NWSlUxSFU1V0NWcmswQnlOZjBaZW4yOXV3U2RwZ0tPdHpQTU5QYWUzd0YwdVVycWFjM21XMVB6RTdySjJwMnNnMnBKYVhIcGRz0gGoAUFVX3lxTFBHaG5NV2Y3alFjcXFldUhidTljbTVhREhNQldtWlU5aDFwY0lHeWNuYldSUnU2cUhxdFZrdmlpWm1VSTl5Ti1YQ0xUUTNTbHc4V3NycF8zSzFVREZjVlJtakJOQlQ0RS0zQmJRSndfbW5EelFTcDgyTWh1NzB3dDN3MDc2SkdIcDY5YmpyTXJhN1A4blVCYXp0a2Mwd1gwb211amxaYUFxaw?oc=5) · FOX4KC.com
- 2026-04-07 [Nusenda expands to NMSU campus with express kiosks and financial center - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxQc3h3aTRPR0puNkQ4b2M4bU94ZXFHbW5kTXVaSFQxdVh3RlFmZFFvZl9UUklsWHEwckotY1lQUEFFVGdUNGx5S3VMcWlpV09zdHZ3dW9QamJDcVZkTGJZMzlmUlZncHFfaG1ETzVQUTAtOFUwQ05Pand6dHp4dVpxaDQ5SGJib2M?oc=5) · The Business Journals
- 2025-10-31 [Credit Union of America and the College of Applied Studies fuel success for Wichita State educators - Wichita State University](https://news.google.com/rss/articles/CBMid0FVX3lxTE9KLWtUcl9QZGtfYVl3VzV6Ti1JdmRnWXRWUGU0SWNPRkhjTEJxUnUxVWhBYVRNU0syQTJiN0lrZWx2aVlYRUNheDFWVVRzVEhxMFkzdEItTFhTUGpfSnpaNElHbnVIbS1NVWdjWDBwV3daM1NMMW9z?oc=5) · Wichita State University
- 2024-06-25 [New Pegasus Partner Addition Financial Credit Union’s Longtime Generosity Benefits Students, Community - University of Central Florida](https://news.google.com/rss/articles/CBMixAFBVV95cUxQUy1GOXcycWVRWFhnVTlZREpoTHpISE5iLTNyMndtQUh3MUxrU2cxWll2Q3BNU0ZLNUxHb3RuMHdUVEppU2xOdFI4TjFiUkUxN0JrcVdZS2ZYY3JSdlU5WWpURHBmQVdUSndxcGFTLU01ZGFDOEdrQU5TWTJBNldEejBxNHo0VVZHcjRYMF9hNGlWWnRQclh1SDBDOElyS2ZMVnVUdXViU2ptM2xsRTJrMXZFMTNQaDRaZ3dlV1JQMXZDU184?oc=5) · University of Central Florida
- 2023-11-09 [Shenendehowa High School reopens on-campus credit union branch - Times Union](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc3Nld3ZMZnlzRkpnejlNMGR6VUJoRHNONUUwemtlTkEyTEIwV05lTEVYb25JNjRkNzF4Z0pjVlNsWWJzZHZkSjFpMERtaHc1ekdQSE9EWXpSSlJkNHY3ZVJ3MTBoZWtWd3dsZ3ZTSzlVVmdxcEs5d0VFTktSNUJTLTd5cmx2Sk5qZlJJYzRrcDdjSFRRVnBKdWd4UF9HSmdoSmJpXzJlT295UQ?oc=5) · Times Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60731 (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/59.json (key "60731", 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=60731
- 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