# METRO
Springfield, MO · NCUA charter 61840 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/metro-61840

Who the members are: state charter, organized 1935, low-income designated. 9,200 members of 200,000 potential (4.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 349.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $122.5M |
| Members | 9,200 (-1.9% YoY) |
| Full-time staff | 27 |
| Net worth | $15.6M |
| Net worth ratio | 12.7% (p63 of band) |
| ROA (annualized) | 0.63% (p46 of band) |
| Total delinquency | 0.92% (p70 of band) |
| Net charge-offs (annualized) | 0.90% (p87 of band) |
| Loans / shares | 68% (p46 of band) |
| Cash / assets | 25.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.23% (p80 of band) |
| Operating expense / assets | 3.75% (p54 of band) |
| Vehicles % of loans | 56% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 100% (p70 of band) |
| Vehicle delinquency | 1.16% (p77 of band) |
| Vehicle NCO | 1.29% (p81 of band) |
| Repossessed % of vehicle book | 0.54% (p95 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 27% |
| Average share balance | $4,530 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 349% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $2,241 |
| Loans granted, annualized | $22.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (14.3% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | auto monoline |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | 3rd-party paper>100% NW |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | auto monoline |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | repo signal |  |

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

- 2026-04-07 [Two Missouri Credit Unions complete legal merger, expanding member value and community impact - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbDlDT1VoUmJzRXpEQVUtUDY4VGJpRGVJYW51Vks5c1h3aWFGRUdZdEJxZVdpcEhjOVljU0ZDWjRmNzBSMWFSaFhyLU40cEdzcXdzQ21SRHJ2OVVjTEZaV1U2RkYwRFJvNXFzX1JWVlJ4R0x6QXpuZW1MZTBYd0t4dFJqR3JmU0RWbTdKc0l1MlZHelVERVdGMVB4eEZWNUNYWUdTMngtSF8zZGU1MHhwM0Y3RlRtc1dMY2FGbnI3UFJFZXpvV3RTZ3pLaG85Zw?oc=5) · CUInsight
- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 2026-04-06 [Two St. Louis credit unions merge to create $670M institution serving 43K members - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc1l6bk9iV2lGOUE3UWp5R1UwMFlFejNFVWQ1RXdOVjZheHI1NUhoaTRwZm5BdV9mOGxOTFBuemdMYnp0ek95Nl9VZHI0VGNlY2hUVWJ5aV9TRW9XSVFuT0l4UXgxX1puUjYzZC1ub3E5cEdQQWhJdEJ6N0NiN0xDVGdsMnMzamI1Q1Y0ck1HMndDNnFwYmRqelVZcWg1Sk5QR2Ixb2ZfSTZwUQ?oc=5) · The Business Journals
- 2026-03-15 [Jay Lane Huff Obituary Dec 15, 2017 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBKVml6Sm5zell1RFpmVnA5cWljNXdWT3FaYkxzQXNyUzNCYW42Mmd5MWNRc0xuNEs4cWw2bkIwYjRHTnZVQ0JsbXpsVWdXbjF0cDhENmQ4OFpDLXBRSGc?oc=5) · Gorman-Scharpf Funeral Home
- 2025-07-07 [Merger creates new $125M credit union with expanded metro network - KCTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMGpGalBBN3kzdkppWVg4dUFBTHk0TmNIRXExX0szLVBYRmVUVldralF1UVZWM1N3QmdXaE1IazZCTkhvbDNFbmxiNlhxRG5DQ2g4MzhDWFRxcXlrbjNyS0pjY2tDN0pSTnVLSl9aUmNvcUVOYVVPcWlDMnR2bEQ3VEVJTl9wN3Z0V1NJeEJCa2MwcjJQc0NGYkZGYVQyU0nSAbMBQVVfeXFMTXFFVGRseVVyYS12dS03V2ZwOGtnVlB3bG5oQkdsN2RrbXhjQzRldzVRYl9fN3JkOGxLWWY1Y1k0UDJNSS0zXzlKdUhGTjVLVkY0Wl9CTTVCdkNrRlZ1WUsxXzdtR3N1MWpMbXpKVDVVUTlaZktVSXRIOF9WMnhKSEdsbUxWaTlsdVY2SVkxQ0JIN1NPWEZ0ZkNFSFNBeG9QaGlaUkI2MjM0Ql9YcTFBNmdGTms?oc=5) · KCTV
- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2025-11-24 [St. Louis credit unions plan merger to create $700M institution amid rising costs - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmlhRzdzUDVTTmhWX1pOSU1KU0d4akRYVzBiM1VIajRjZWFoRm53ajBUYXNTUm4zbkItQmhnc0ZUeGRPdWdiSTc2LW5ENFFzVTMyeDBLdWR3MUJsM3FIS3hzM01JWW9UTkZJUTVMMjRpLVZEcjB0YVlTWmladGhHbzZubmNrRXRGdWJkcWxWSk5wUzNmdnY2ZndWb1NKQWFKaG1UdV9NQVpldw?oc=5) · The Business Journals
- 2024-12-05 [First Community – St. Louis Made for 90 Years - West Newsmagazine](https://news.google.com/rss/articles/CBMizwFBVV95cUxQQTdYN2NmQlRRUXBmU2ppdzN4VmE5NFZpVnhOczNhQ1E5ZGlyYmo5UWFhenRESzN4Y1U5cUdqYm1GVzNaLVBfVV9ZUG9tUWNCbmxHLW5hSzB1MEtOaTZ4dHFfRzZEeWZCTDFJcnZncGNBWV9Sb2M1LXdjanJlLUc1VWxFQ0swY1FlZV81Q2RjSVQxQTNvNy1ZQkNlaWFEV3BId3M4dEk5RG9wWTlFTDBpb0EyQXdzN25uaTlzT2c0X1RSQjdZN3NWbHpLQmx0WUE?oc=5) · West Newsmagazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61840 (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/16.json (key "61840", 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=61840
- 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