# FOUNDATION
Springfield, MO · NCUA charter 61157 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/foundation-61157

Who the members are: state charter, organized 1933. 3,440 members of 516,199 potential (0.7% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 1193.

**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 | $74.6M |
| Members | 3,440 (6.4% YoY) |
| Full-time staff | 13 |
| Net worth | $10.9M |
| Net worth ratio | 14.6% (p67 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 0.15% (p16 of band) |
| Net charge-offs (annualized) | 0.37% (p62 of band) |
| Loans / shares | 91% (p96 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 2.64% (p20 of band) |
| Vehicles % of loans | 35% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 37% (p73 of band) |
| Vehicle delinquency | 0.44% (p43 of band) |
| Vehicle NCO | 1.13% (p84 of band) |
| Repossessed % of vehicle book | 0.17% (p89 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 44% |
| Average share balance | $12,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $991,282 |
| Loans outstanding per 100 members | 1193% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $1,404 |
| Loans granted, annualized | $14.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $991,282 outstanding purchased (9.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising, assets shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | net worth falling | assets shrinking |
| 2019-09 | 2 | members leaving | delinquency rising |
| 2019-12 | 1 |  | net worth falling |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 1 |  | members leaving, net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency 2x band | assets shrinking |
| 2023-12 | 2 | assets shrinking | delinquency 2x band |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 3 | delinquency 2x band |  |
| 2024-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 2 | net worth falling, members leaving | assets shrinking |
| 2025-06 | 1 |  | members leaving |
| 2025-09 | 1 | loans>95% of shares | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | net worth falling | loans>95% of shares |

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

- 2026-02-24 [Park Community Credit Union Foundation advances local impact with Pathways to Prosperity Program - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxOSmxmNHBtdWg2UWxWcC1hTEpUcER1M1RUbDlPUW1WWmdIV0RQT25LMDVNZXhzODFZRFJJNXRlaTQ0OXNIRnE1Zjk1Znhqa0s2ZE1zTE1QMm5Sdzk1dGQ4VGl3b1hLQVN3S0FhSnItaWdFaUZROHl1OXJ6czZPODU5d3llNmJUZGtxQnpaazg1cFRtbUNheXpTbHRjZU04eENiMExZT2ZGVDZDUEJwWElyX0I0Ujc5Ny1VTWR3bFFHbmRSdmQt?oc=5) · CUInsight
- 2026-08-18 [NM Credit Union Foundation announces new board members - rdrnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOd3BCVnlhdzFiaE43U2ltLTdGcDk1Zlg4WWZNbU42TktWLWpiSDdRYXMtMVR5ZzRldTE1bUozXzc5ZG1rX2VnOU4waDJyMmc2YUJYRHJVOEJSZjEzZ1o4TU5ZaXduY18xb1RpVTA5SFlxYnRtcloxVDZIUFBQdFlSb2NRZDZGQXBwRnB1NHhJNjJBMS1DbG9BQ0JZRFBtenpEeFNLc2lqeTd0ZWVMUjZ0a2YtUEdsd0toX1dlaFk2ak9aYWhNXzFtRi13bExSUEZ0QUJ1TEJR?oc=5) · rdrnews.com
- 2026-07-15 [Suncoast Credit Union Foundation Awards $15,000 to Sarasota Orchestra - BroadwayWorld](https://news.google.com/rss/articles/CBMixgFBVV95cUxQbXFBRlBMUFd1WWJDYzZmd1h3ZzliYkw0bmRSTTZTaWZuZHc2VnRTYUZHNFJnUUlsRi12NHV6UlZ0ZTkwLW9zRFgza0dUMUREdGNITTVmTjVZV3N6bW51UTJKdEdPZWZudm9uemJjbVlESWVhaUh6M2Q1MmtTSTBNOU0xdF9Vckl6XzhWaTBfaGpucDZlVHZuRWJFZ25qcUY3Y19DR3ZDOWZ1ZE05R2NZald4dy1hdFZPVHRBREQzVV9Lckltd2c?oc=5) · BroadwayWorld
- 2026-01-28 [PACU Foundation awarded $10,000 by Elan Credit Card's Charitable Giving program - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVHlvX25fQm5ETVhPNWlSQUVIeldEQk03QVdHTFhjSncybDdqbV9lMmhlRkVEdmNQcFFuRUZDcWdiQmpPRGRLeHprTjBleENvRmZ4UnBwb2pFSy0yRkVMTTlCeU4zY2lTeEdocTZiMU0xQ0N1cXI0Njk0eDR6QkN0SVNPaXRodw?oc=5) · Yahoo Finance Singapore
- 2026-01-09 [Edwardsville School District #7 Schools Awarded Four Scott Credit Union Community Foundation Grants - RiverBender.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNLVZMS3BqX1huWXRGbzNBSXRQUkpVOUl2N0gzeDdxRU5Tdi1DVFFsaUZvcXBkNE80QXNLaFlPd0UtZzBTbi1BeWRNRW5WTnAycC1fRVRjZUxDeVN6LUYybzhQeGsyeVhSYmxzUXJRMnR3OE1mek8zdEdvX19UbVVaZ2RXcGdod0hhRXVsRjRwZ0dDNkVpdk1jZEkyTlJEUllTc1VZQlFtcEVCVkJteGxSZFA1eGdsdEU5bXgyRkV6aWFUWG9HeE9PeGlTOGJZelJKZnljV2lFQTZWdTFhamh0VnZqTUMydw?oc=5) · RiverBender.com
- 2025-11-07 [Around the Synod: News from LCMS entities - The Lutheran Church—Missouri Synod](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WMFBHTmtBeDE3ZUpaNU0xclNvQWZMdmhXNDA1cEVWVnNRTXlFeGtZTEE1NlF1N21HZlE1Q0hBX0J4WjVXaGF6MnRmOU03SkgwajNjMVFtMHJ2ckxaSVB1YjgtbDAwaHpCWTdnejkwNmRkQThpTFZEN3hnT0XSAYIBQVVfeXFMTVExSkt3OHBjNmdqeElYRG56OTlieFE3NUJEOWF6UDFQazMtVkx1REVhclMwdmI2b1IzY25yODNWQVlDSXFkcDRtZlBIaWk4blEzakZTNDZKOFhkaFdyNERhWUJGWElXN2w1anFLYXhXaEdUcHJ5d0tOS1VZY0dieDBMZw?oc=5) · The Lutheran Church—Missouri Synod
- 2026-01-07 [Perfect Game and First Community Credit Union announce Chesterfield Athletic Complex - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOUC1mUnQ0Y25XQVc2aU52YTZSWWR0eDZRU0pSSjZFVHR6cFI5aHNvcjNSNmxUcUZVbmxxLTd5Szh0N0xqRzRJTnZwNWdmejR3Yk1DMDBYaFpFTXUxdGxIdWM2RWdORWFQR2ptRm1vTUpVVVBPYWFYU2FVUlJCamstVnpkNFhhMFB3UnIxblMtcGd2bWNrNzFVWElzdXQ1d1JqdVRGMGRDVGxuN0Y5RS1YZDNQbFdzZzlGajhTMXVOVXp0T1U?oc=5) · CUInsight
- 2025-02-18 [St. Louis Community Credit Union expands community access to business loans through collaboration wi - SSM Health](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOMGQ4NXpWVVNqalgtSmZkSEFscXB2bXRSaVFmMW82WTZLbjBQdFhCSmlLVlR2OHAxTlBQZ0lhQjJleTg5OXl1a3JFdDRxMDl0SnhoaElNQXM1bGl2VUNaZXowUkxIN0RlVUctV0hDR1IxSTdxZk1kVFdxTXdEanNpRDVVTFlhQ3dhUm9hSGgwWXYwU0hjWGFReTVTaDNYamZMOHdrbGkzNHV2Z3JPbDlLQWFnWmFqZTN4djlvSTVIcjdJTVJYQUNDUXlxYzhPMDZOSDRSUg?oc=5) · SSM Health

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61157 (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/37.json (key "61157", 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=61157
- 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