# EDUCATIONAL COMMUNITY
Springfield, MO · NCUA charter 62589 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/educational-community-62589

Who the members are: state charter, organized 1938, low-income designated. 7,557 members of 30,000 potential (25.2% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 160.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $77.1M |
| Members | 7,557 (-7.8% YoY) |
| Full-time staff | 20 |
| Net worth | $7.3M |
| Net worth ratio | 9.5% (p15 of band) |
| ROA (annualized) | 0.50% (p39 of band) |
| Total delinquency | 1.28% (p80 of band) |
| Net charge-offs (annualized) | 0.54% (p73 of band) |
| Loans / shares | 60% (p49 of band) |
| Cash / assets | 30.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p60 of band) |
| Operating expense / assets | 3.78% (p58 of band) |
| Vehicles % of loans | 66% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 210% (p94 of band) |
| Vehicle delinquency | 1.56% (p83 of band) |
| Vehicle NCO | 0.05% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 12% |
| Average share balance | $5,908 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $950,217 |
| Loans outstanding per 100 members | 160% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $3,439 |
| Loans granted, annualized | $10.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $950,217 outstanding purchased (13.0% of net worth), $1.6M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, repo signal |  |
| 2016-06 | 3 | 3rd-party paper>100% NW | repo signal |
| 2016-09 | 4 | repo signal |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 8 | losing money, delinquency rising, charge-offs p90, auto monoline |  |
| 2017-06 | 9 | net worth falling |  |
| 2017-09 | 8 |  | delinquency rising |
| 2017-12 | 8 |  |  |
| 2018-03 | 7 |  | losing money |
| 2018-06 | 5 |  | repo signal, net worth falling |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 4 |  | delinquency 2x band |
| 2019-09 | 5 | delinquency 2x band |  |
| 2019-12 | 2 |  | charge-offs p90, auto monoline, delinquency 2x band |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 6 | net worth falling, delinquency 2x band, members leaving |  |
| 2020-09 | 6 | margin squeeze | net worth falling |
| 2020-12 | 4 |  | losing money, delinquency 2x band |
| 2021-03 | 7 | capital below 7%, net worth falling, auto monoline | members leaving |
| 2021-06 | 5 |  | margin squeeze, net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 3 |  | capital below 7% |
| 2022-03 | 5 | capital below 7% |  |
| 2022-06 | 7 | net worth falling, delinquency rising |  |
| 2022-09 | 6 |  | net worth falling |
| 2022-12 | 5 |  | delinquency rising |
| 2023-03 | 5 | delinquency 2x band, delinquency rising | capital below 7% |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 7 | members leaving |  |
| 2023-12 | 7 |  |  |
| 2024-03 | 8 | loan book shrinking |  |
| 2024-06 | 8 |  |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 5 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | thin capital |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | delinquency 2x band |  |
| 2026-03 | 5 | delinquency rising | loan book shrinking |

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

- 2024-06-07 [Sam Inman named Community First Credit Union president and CEO - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMisAFBVV95cUxPa0xEM2lHQzJwdDl6QWlwdnRlbnBDdnNQczljR3VSR1Zzd1dEblJZRTBXdjJqVjhZbV9mdFZXSDBFdjNQSVlveG9pM2FLaDNVcjRieXY0T3dTYmROMTgwVktjM0xWQ3VWRTFtZVJyc2pnT3VTakZSVzlXaDJickg4aTIwdGwwQXBkWnFfbE5oN0VraFdwbUQ4NGRPOHFfZm84ZmlkTEJybnRoNHFrMllBNA?oc=5) · Jacksonville Daily Record
- 2015-12-01 [Springfield church, credit union create payday loan alternatives for area poor - Springfield News-Leader](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPanhqZTdfTV9ic1REWFNoMnFRVUhqRVpQbGRFYUNrdWtxYkFKTUhPdEFfQ0hnU0ZxQ0VkbnVlWUt1V0FDNk5qcWZ3UEZXdkZxbmVYd2thNHRlbG01bDliRFlPUWs4Z1B1NVV5bUdEc2pKdnJ3bEZfMGxheXZ6a041MGZ6VGxjS0ViaWdjZzlDNGVMZ0tfV18td1J3OWFUbWJDRkJpNy1DWFNVdHhOMFJlcWZLZkZ2T0FXRVc5LV80dVlCanZuZlVsTVBneFFNVDMyQU8tNnF1b2tSTVNvTGZV?oc=5) · Springfield News-Leader
- 2025-10-02 [2025 Most Influential Women: Stacy Schneider - Springfield Business Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE1walJnZFdtMEF5RUVkME1kS3ZzelpHRnFrdUk0QlpIMmlHM1J4RHFpYV9DdDFSVG5IcWdseFk5Ny1wUUN5UnpWRWFQMXh6T0l2cWpIeTkzTnpianY1WGdta2ZTVjRQY0pVcnhrMWlpejd6TURTYkQycGZqY3dGUlU?oc=5) · Springfield Business Journal
- 2013-03-26 [Bookstore director pleads guilty to embezzlement - the-standard.org](https://news.google.com/rss/articles/CBMizAFBVV95cUxNZm5URnlpb0FSekFWMmJjbHFmczlzYmh0VlBZbVRDMTY3aTRiOUpicnN1dkVzY0tnNkdxSVBERncxRy0zVVNKRmtDUUZBZXpkemFET0o1RzBaRXk0blRLWm1pZDRSWEJWN3lFbUtGSVJ5WktDZkRxc0pLZjNIUzA4VEhUV3ZBNTl1ZF93bFJwUnlXT0lZMHZoZDViV25OV25LN2wxRUp3ZURzQmdjN3BkOU96UXM5M2RGN0d4NUpxU0lFY0xueDJPdG5xR3c?oc=5) · the-standard.org
- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - imore.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · imore.com
- 2026-04-18 [Springfield students break record in annual Food Fight - Springfield News-Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOaVpZNUVCZnJuMXZzZmtRQjctRVNZTVJhME92U0JrRkdwMUVCNkFBYnFleGxWa3hoWjkwR0F0UVNIOXJjdzVZUjI0alF3OTJFckxibFVDNWd2aUZnMkp2cDR2dEtZVkxSLXJVcFh3T3JZd256Zm1TZ1ZfTWRXcl9fSmZHRWxDN1d5a0lyRmpsV3RSVnR3X0N2TXRwUDNzUVFPaVBRR1ZmbTdURGdaZmdJdGRCUEZ3azk5VWhuSDdBTk9qdXM?oc=5) · Springfield News-Leader
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2015-12-18 [Pokin Around: 'I had to prove to them that I was alive' - Springfield News-Leader](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNeGRqZWlYY0pSTWE4SlAxVVc2bzFwQXZnQjF0ejdKLWthbXVZTWY0VTBqQndDOWIyYWw3N0JYdHdHZk44ZVRTMF9KenNaRkpWTzhRUVUyd2JUSkFRbmY3OUJlV18yWGxmd3diMnlIVGJKZ2RBLUpOVlVkLU1LX0hPMzV2MnltM1ZmbnJqTDIyOE4tZldRUGkyTXhhUmhBaDlYamcybDB4bG1Vdw?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62589 (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/61.json (key "62589", 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=62589
- 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