# SPRINGFIELD CATHOLIC
SPRINGFIELD, MO · NCUA charter 61867 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/springfield-catholic-61867

Who the members are: state charter, organized 1955. 1,118 members of 9,410 potential (11.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.6M |
| Members | 1,118 (-6.1% YoY) |
| Full-time staff | 2 |
| Net worth | $456,255 |
| Net worth ratio | 12.8% (p50 of band) |
| ROA (annualized) | -13.72% (p0 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p25 of band) |
| Loans / shares | 61% (p55 of band) |
| Cash / assets | 2.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | -3.46% (p0 of band) |
| Operating expense / assets | 10.47% (p99 of band) |
| Vehicles % of loans | 80% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 30% |
| Average share balance | $2,498 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $8,262 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | loan book shrinking |  |
| 2017-06 | 3 | net worth falling | loan book shrinking |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | members leaving | net worth falling |
| 2018-03 | 2 |  | losing money |
| 2018-06 | 6 | losing money, expense trap, margin squeeze, assets shrinking |  |

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

- 2026-05-26 [Investigators say man upset over religious teachings accused of burglarizing and setting fire to a Springfield Catholic elementary school - KY3](https://news.google.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?oc=5) · KY3
- 2026-05-26 [Investigators say man upset over religious teachings accused of burglarizing and setting fire to a Springfield Catholic elementary school - KY3](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQX0NsZDliaDZleVpGVXdYZms5VEdUdFBfUDhrM2g3Z1JiYjNkd3A4V2FvODJXNlZFS3p0Vmh1c1ZKVFhFbUtZeDJZOVExbl9WU2Uxa19iVEI4OGtjMERMNE5fYUVHc3ZfRm1UT3llWS1RQldjOHNNcGJiamxJOUREMWdFTGJiMlVwQzFtdHZGXzVlZGFnbHlRdjkyQ3R3OUdCSjlKZGRLMXQ4T1g1X2xIN3U1c0N0a0NzR3FlN2xzdFVaQU1rVDNQRGdSYms2Y1pZMnVEclJOMkhxZjRMamxOU1NqVUJHTWFmLWNNeEtXOFkxblRJeXc?oc=5) · KY3
- 2025-01-30 [Celebrating 85 Years of community support: TelComm Credit Union’s legacy of helping people thrive - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPVXpleEd1OUZGdWxtNGlDTm1yN3N1SXpsYWhCNEZtbHB5dENLTURkbmpyRmtlX1BxLXNROW5TUU8zc2xNdFlJUnBGRjktUGlCc2x6ZG80R0swekZJWU56M3RVaFVXeUNRMVRMUDhjSHZmT3RWV3dfZUJVRzdfYVA4U0pwVS03akRKcS1DU2JTb3A0ODY0ZG4yWjkyQjhRUFREeWQ0a1k4QWdzNVhxQXZyV2RYUGFhV3R4UTc1VE5CZFJ0SGxjMXNjLUktLXJYcnlWbWtxNzhIaVRhdzA?oc=5) · Springfield Daily Citizen
- 2020-10-16 [Paul G. Penn Obituary Oct 16, 2020 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0zbTY5RG1yVEpUeDhIblg3aEF4R00yajBQRkhVYjd4OThOYkZBSWRIVkpYWnVBVlNtSWFGdzMxa3ltRV9TOUoxelJPS25EbFJnWXJ0Z2xfMnNvTmpIXy04?oc=5) · Gorman-Scharpf Funeral Home
- 2025-06-02 [Private Schools in Springfield, Missouri - 417 Magazine](https://news.google.com/rss/articles/CBMickFVX3lxTE44VEgxaFNhVG9UNHExTlV4UEZWN1VDdUxhd3VGdmJ6Nk5GaFZlVWFuNERoMGVYOHN0bFhCUnBKOVhENnotRXg2MEktckw4U1ZLVS1SaHBPTUs0ZG5iNkdCcXR5bmEtclNuM2hzbmotdUVzZw?oc=5) · 417 Magazine
- 2016-08-07 [Everywhere you turn in Springfield, there's a former grocery store - Springfield News-Leader](https://news.google.com/rss/articles/CBMizAFBVV95cUxQc1J2NzdmQWQtd2M1NzZjY3ZqUkNBakY4Z1dFbkR1bVRvTm5VYzBHdFZleGh5ODd6Vy1tUGlyRnlHYzJJLWUxUTN4Uk5mVzRncDJsYk05Nkg3anFucFNBaHQxZGJtRnM0YzBHZ1VhOVVhY09QbmtrUmNSdnhwQkZQZFd6TjdvZnZHLU9DNzdxcnlkcmpSdGNVZTktVElUSERmSU13OXRtYTF3b05QdWIwY0R0UWhwcUl2d3lReUpOcXZFcXZsaWg0VldGYmE?oc=5) · Springfield News-Leader
- 2024-09-11 [Grace Tiedemann the latest in a string of standout Springfield Catholic golfers - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOb081c29sT3RNWS1qaDlNQzJsckRkVEVySFU1V3pFNG9sQVZ0SFVPQjhQNlBHcml5Z3k5UU5NbWVqd1Y2eEUybmxreG1Jd2hqOFBWNlBZT2VRUFBKNlVkTjQ5eFhEZHVyMllTTlJPTzd1QnJydElJeEhxZFdVX0lMNGQ3eWdPaUI2SC1PQ0dPV2w5X21uVW5QSnRfSFVkbkZ5TWJoa0RjVi1tYjl4ZHNLaFJLMTBnc2hYa1c3SjhOVkltQi0yWENJWmhCWlBOSUJyelN4bXhYSFlYZmtISHd0R1BpZjFIVnpnUG5YYnFTdDFlcEN1?oc=5) · Springfield Daily Citizen
- 2017-02-03 [Rosina A. San Paolo Obituary Feb 3, 2017 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1lZXdMTmhEYmZneXZwaGVqazRoclhwVVdpMDY5bjZrQUJVU1VYdnFFdXBrM29xYXIycl9pR3JyRTBLakNtOHhkODI2WW5ubjhMenozNG9VREFxdlA2enNGdXFXZHNPUHAt?oc=5) · Gorman-Scharpf Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61867 (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/43.json (key "61867", 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=61867
- 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