# K.U.M.C.
Shawnee, KS · NCUA charter 62702 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/k-u-m-c-62702

Who the members are: state charter, organized 1954. 2,013 members of 8,000 potential (25.2% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 1195.

**Verdict on the desk:** this could be *quiet fade*. 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 | $31.2M |
| Members | 2,013 (-4.7% YoY) |
| Full-time staff | 8 |
| Net worth | $4.2M |
| Net worth ratio | 13.4% (p40 of band) |
| ROA (annualized) | 1.70% (p89 of band) |
| Total delinquency | 0.04% (p19 of band) |
| Net charge-offs (annualized) | 0.28% (p68 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 65.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 3.15% (p36 of band) |
| Vehicles % of loans | 56% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 19% (p91 of band) |
| Vehicle delinquency | 0.06% (p35 of band) |
| Vehicle NCO | 0.36% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 11% |
| Average share balance | $6,619 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $778,550 |
| Loans outstanding per 100 members | 1195% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $422 |
| Loans granted, annualized | $3.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $778,550 outstanding purchased (18.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling, repo signal | losing money |
| 2017-03 | 3 | delinquency rising, loan book shrinking | charge-offs p90, net worth falling, repo signal |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 1 | members leaving | loan book shrinking |
| 2018-03 | 4 | delinquency rising, assets shrinking, auto monoline |  |
| 2018-06 | 2 |  | delinquency rising, assets shrinking |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 1 |  | members leaving, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 5 | losing money, delinquency rising, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze | delinquency rising |
| 2020-12 | 7 | thin capital, members leaving |  |
| 2021-03 | 5 |  | loan book shrinking, members leaving |
| 2021-06 | 5 | members leaving | net worth falling |
| 2021-09 | 3 | delinquency rising | losing money, margin squeeze, members leaving |
| 2021-12 | 3 | members leaving | delinquency rising |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising, assets shrinking | thin capital |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | members leaving, delinquency rising |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | assets shrinking, members leaving, loan book shrinking | delinquency rising |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 2 |  | loan book shrinking, delinquency rising |
| 2025-12 | 2 | delinquency rising | auto monoline |
| 2026-03 | 1 |  | delinquency rising |

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

- 2021-01-19 [Feds charge former KU Med administrator with embezzling $500K from KUMC Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxORDBHeENsbVN0RTJ5NUhyeldTX2xQT2VGMUtRU1RsZERiV0Z5NUwydW9WZTkxOXdBaGlfdXI4RFNnTmdhN2o2MVBRc0xDaGRhUEVlbXFuT3l3Y0RaSldNbVNINkZPa2hXNjZpdTY2ZGpRU1YzNFFsXzdYUG5sdmlTdzlqallIQ1F2NHdUeWNRVlk5UjY3RkJiTDRwRnA3YTFQZGc4Xw?oc=5) · The Business Journals
- 2021-06-23 [KUMC employee faces 2 years in prison for embezzling over $556K - WIBW](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSHFpRnZ3c19HQnMteGg0M0lhanc5aW1XWFBMUDBxdEFHTmpjSnhDYkJ3SDNHdm1rT1VaRmZyem1RSTFlR2RTLTV2eUFNNUM4VFR0T2VYRjhTMENRVWZIOGY2NjNTSndOYnpvd1ZTN1NQblc2emNaUU1HdWNIQUktdl9ocjNZMWhncHAtbjdvYjVFZ9IBpgFBVV95cUxPcnBXQi05SEthNlRlMnhMVEh3aUVpMVNOdlBXaXVGOVhqMkJjZE11UlFma0o4alBsclBrbThxMTZuZ3Uwdk1RaUp3ZUVJUW9kUFo5U0xDbnJ4SkZvaURyYjNYOEIxTUdLNlJYRVUyMVRwV3R4MmJRYWFyYlE5R3d5dUN2YjBCRHNMTTM2RDYxazI5Zm1ZU055VGFSeVBjdHRUVUQwT0FR?oc=5) · WIBW
- 2021-01-15 [Former KU Med Center Administrator Charged With Embezzlement - KCUR](https://news.google.com/rss/articles/CBMingFBVV95cUxQRUdybUV1aXdFYVhPMDBmU0cta1pheGE0dGNhX1l4NXpTdVpYR1lkeDMwV0dPV2d6RTRhakRsWkZoYkd0YjZHM1h4WWhwUWFUcHNZVm1rdDFrWjNTdkY4S3l3NnotOVFrMjZiYXI1VzNObWozdXMxdG11VUk2cW9QZXp1dDRfcHIzSWJndzFNSUdEZHUtNXR4bEc0RXE4UQ?oc=5) · KCUR
- 2021-06-23 [Former KUMC employee sentenced for stealing $556K - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE44bjEwUURRc21ENjhZZDNuT2tKVkRoWTkwcm5BcFFhSFItaTUxME9NX21HNnljbHVXaVRXQjJwNGdSWS1xcjRlTEhFckhRMl9hanJVYXlxbmk0SFI1eTBjTEhCd1BKdmY0Zlpjejh3?oc=5) · JC Post
- 2021-06-23 [Ex-KU Med Center administrative officer gets 2 years prison for embezzling $526,000 - Kansas City Star](https://news.google.com/rss/articles/CBMic0FVX3lxTFA0X3hjMTkwMjM1T1FBSDZSQkVKbEN3enhjS1hkM29YencyQ2M3cjFkRHp2SFRlTEEzWlRrRzg0OXNTWm82Nk4tSDFCLXJRTnROY3RrM3N3T2FIRXJINDZNS3dGd3lneTV1NFU3djM2QjlqbjDSAXNBVV95cUxOTXFsMlpnSVVwd2ItMHh6RkNxbnp3UDlCSFkxWmxqWE94bERmcjlWZmRXaFktU29QZ0dyUE8xYjM5d0tLSGUxUGc3a2F1amo4ai1idTlseXVXWGZwMTJDLTlBYWRnRW1mUWZFaXVuNVhoWWhJ?oc=5) · Kansas City Star
- 2014-06-30 [James Cady Obituary - Kansas City, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQnVDUUItb1o2eXg3V1g4NDQ2ZXIyeHpVODRQbFNsd0ZNN2UxZkpJYS16aWNPQ19CSlEzQXBaNmZDcVIxWGQ1M3ZRQURhWkRpd0NReFZXYVdRSGZVX3VnSFBYaU1wYTgzckNrODNqbXI1ZVhsTDVvc3NNTjQ3S1lBbXJn?oc=5) · Dignity Memorial
- 2021-02-09 [Ex-KU Med Center Official Pleads Guilty To Tax And Embezzlement Charges - KCUR](https://news.google.com/rss/articles/CBMirAFBVV95cUxQbkZReS1iQ05BckV6MkcyOGdRZnc0WElnOEt3V243dElDTFZxLU93UGw5cjVZamNfejZLWHBXNjlCaFh0alhnMUZQVTFhRUctak5fWEc3M3hkV1NlVFIzM3drYlB5dXY5YkpYQm54amRqWjVOM2NvSVR3dlRyX3BJa0dhUkc5MlRaQnRmbnVVVWZxMXhORXkwOU9SbmZYaHIxX1UtWWl3MkF3dTdO?oc=5) · KCUR
- 2022-06-08 [The embezzlers next door: Trusted but greedy, these Kansas City area people wanted more - Kansas City Star](https://news.google.com/rss/articles/CBMia0FVX3lxTFBkVFEyeVN0U0tqOE5GcW9ZWVhEU3h6U3FqYU9YLVhaQXVnZnRKZm90N2xBMFk4SDJLdlhfUE81aDh5Uklxd3ZDUjBhbi16Vnh0RUF3bDVyRmlzMmZfeVEwbDNiTzJaaGt0dHc00gFrQVVfeXFMT1RXS1M1Q2twQ29ZQjhKOG00dE4wZ3FVMmI1ZThBZDVWblh6aEQyWF9qLXlNVllhZ09OZ0dCX1ZrTmxxbGRKUVpYOHZTOEQzZ3Z4aUI2X29ncVRGMEVqTTV5cVRHaGdETDVWUlk?oc=5) · Kansas City Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62702 (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/46.json (key "62702", 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=62702
- 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