# AREA
KANSAS CITY, KS · NCUA charter 60807 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/area-60807

Who the members are: state charter, organized 1961. 1,598 members of 2,500 potential (63.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**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 | $6.8M |
| Members | 1,598 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 16.0% (p70 of band) |
| ROA (annualized) | -0.10% (p23 of band) |
| Total delinquency | 0.93% (p49 of band) |
| Net charge-offs (annualized) | 0.11% (p35 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.77% (p40 of band) |
| Operating expense / assets | 3.15% (p43 of band) |
| Vehicles % of loans | 65% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.05% (p61 of band) |
| Vehicle NCO | 0.00% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,542 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,680 |
| Loans granted, annualized | $369,760 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | losing money |  |

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

- 2026-09-02 [CommunityAmerica absorbs local credit union put into conservatorship - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQV01ZNms1Y1A4UHZrY21jazU3VXZ1Mk8wMVJyTHQ1NEVWR2gyU2RNaTFQUFItZmlPcXdvNlpjN2hzVWgxUHh2ejAwU0FqRWFSQkVsNWdCNHFZRHFNa1R6UjhFT3gzNnZZdEdHQXpYSnVhQzVaeWhCczFtbF9iaERPSDdVa2ZzTG5YS0hPNUd6bmphTm1ybmZIaEtZX2JVYWQyUHBVaXZ0R28?oc=5) · The Business Journals
- 2026-09-03 [CommunityAmerica names 30-year credit union veteran as its new CFO - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUXZrUHd0U0pLcnBPYy1fMUtkUHNrR0xKUm1aMnBHMUdwaUliYjBQUUpqaDlxNFBtdGxWeTRpQnRadnBYLXV0bXhrN2FfTXJELV9DMHJwZXVMcDJkM3FDNW92LTRrYWlyRmhXNmU5ZG5ScVh6Ql9pUEhDaDVlTERUWXJGX1ZHb0RUdHY4c1dQTVdCbUZxUlJWcjNUbzQ4UC1PTlNpN0lzZnBUTXM4TVE?oc=5) · The Business Journals
- 2026-07-13 [Kansas City credit union placed into conservatorship over unsafe practices - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONG5rdGlrNHk3U0NkTEloV3VtUDl6VU16SDFDeE1tWG1CLTlsWDNTaHUwakpCenBBUVloSEw1V0RGV05GaW9ZRVpwclQtVGw2S0QyS01nYnBzR0xTc2pBSEJhSHpfd0pvU1NPa2xjUmpkWGprV056c01jRFl3UjhsTEF3UExZeDFXeTQ2aHVCM0ZlY19CV0VzRklva2hzRlc3UTJBbm4yMXYzUmM?oc=5) · The Business Journals
- 2026-07-17 [The growth equation - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQTUJJUVBsZFhWN1ktMmphU1NKZ2psaDVDdDl4TlhvMElDZmJleHJwVmN6Q1hVZ0kxVVZGUVRCLTdyUWd4LUZ5bkw5M1AxZ3FoUl9MTVhLYW1rTkFJRG4zeU1oOEpGbGl0NXdoc2lYMlQxbGR1eEtGbTNPSFN2NHl5MnVKcFF4Q1RjczdQNFZVbnh0WmNKVXE1WUlYSXJ6SS1DN1ZwcGZTcTIzN0lvMHB3?oc=5) · The Business Journals
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-07-07 [Merger creates new $125M credit union with expanded metro network - KCTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMGpGalBBN3kzdkppWVg4dUFBTHk0TmNIRXExX0szLVBYRmVUVldralF1UVZWM1N3QmdXaE1IazZCTkhvbDNFbmxiNlhxRG5DQ2g4MzhDWFRxcXlrbjNyS0pjY2tDN0pSTnVLSl9aUmNvcUVOYVVPcWlDMnR2bEQ3VEVJTl9wN3Z0V1NJeEJCa2MwcjJQc0NGYkZGYVQyU0nSAbMBQVVfeXFMTXFFVGRseVVyYS12dS03V2ZwOGtnVlB3bG5oQkdsN2RrbXhjQzRldzVRYl9fN3JkOGxLWWY1Y1k0UDJNSS0zXzlKdUhGTjVLVkY0Wl9CTTVCdkNrRlZ1WUsxXzdtR3N1MWpMbXpKVDVVUTlaZktVSXRIOF9WMnhKSEdsbUxWaTlsdVY2SVkxQ0JIN1NPWEZ0ZkNFSFNBeG9QaGlaUkI2MjM0Ql9YcTFBNmdGTms?oc=5) · KCTV
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60807 (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/7.json (key "60807", 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=60807
- 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