# FIRST MISSOURI
Saint Louis, MO · NCUA charter 62716 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-missouri-62716

Who the members are: state charter, organized 1927, low-income designated. 7,857 members of 2,024,900 potential (0.4% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 737.

**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 | $121.2M |
| Members | 7,857 (0.4% YoY) |
| Full-time staff | 28 |
| Net worth | $11.7M |
| Net worth ratio | 9.7% (p23 of band) |
| ROA (annualized) | 0.27% (p22 of band) |
| Total delinquency | 0.76% (p61 of band) |
| Net charge-offs (annualized) | 0.45% (p61 of band) |
| Loans / shares | 87% (p84 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p76 of band) |
| Operating expense / assets | 4.43% (p76 of band) |
| Vehicles % of loans | 48% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 58% (p59 of band) |
| Vehicle delinquency | 0.88% (p66 of band) |
| Vehicle NCO | 0.36% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 21% |
| Average share balance | $8,033 |
| Participations bought / yr | $3.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.7M |
| Loans outstanding per 100 members | 737% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $1,628 |
| Loans granted, annualized | $38.7M |

## Participation posture (from the same filings)

Bought $3.0M and sold $0 in the latest annualized quarter; $5.7M outstanding purchased (48.3% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 7.4% 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 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 3 | delinquency 2x band, auto monoline |  |
| 2017-12 | 0 |  | delinquency rising, delinquency 2x band, auto monoline |
| 2018-03 | 1 | loans>95% of shares |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 4 | net worth falling, delinquency rising, auto monoline |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 4 | delinquency 2x band |  |
| 2020-03 | 6 | net worth falling, losing money, charge-offs p90 | loans>95% of shares |
| 2020-06 | 4 | margin squeeze | delinquency rising, delinquency 2x band, losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 3 | margin squeeze | charge-offs p90 |
| 2021-06 | 3 | charge-offs p90 | net worth falling |
| 2021-09 | 3 | members leaving | charge-offs p90 |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 2 | net worth falling |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 | delinquency 2x band | net worth falling |
| 2023-09 | 2 |  | auto monoline |
| 2023-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-03 | 3 | delinquency 2x band, delinquency rising, members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 1 |  | delinquency rising, members leaving, assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | losing money | delinquency 2x band |
| 2026-03 | 1 | net worth falling | losing money |

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

- 2024-10-15 [Banks in Southeast Missouri compete to raise food and money - KFVS12](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMUpSZFc3WDN3aHhUV3hza1RpUkp3ZWVsMzRJQzY5dXNNX3ZNajFzc3JOZnVaTmM1aWVPRC0yQi1KM18zR0R2SERfS2M2ZllTS1dkWG4yUUpHQkpMTy1kdXJIQkVZWHNUbVEycFZLQVA0WTV6VzFIWUVRUWpQUXJ6RjMzVkZoZTVjSXduUtIBoAFBVV95cUxQQlg2UElPWTJ5blM1N202dnZuQXpXSGZEM2NTaTJmbVduSG5EczRvWWlNVHNtOWUtM0xYU29tNVljazhLcGFLVlV2bE9oSzJQOHVyNjBmRGhweVV3bE5KaG5TZDYyLV9WTmF3dUpMejRxUkF6c1BtNy1pVzFGS1FhUWdjcl9UOXY5dnRSQS1nQUFWTmhwcnAyUHhabklGZ3lx?oc=5) · KFVS12
- 2013-07-29 [Arnold man arrested for bank robbery and drug possession - FOX 2](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNUhZU1Zla3FWZzJLNkVTN0dhSUtxVVRjUTZoSEJrS1U5RWpsa2RyemRTTTFkQXBMVk9GRGltVG9NM1VSamxSek9tRFdzVjVvMzJGOTQ2QTFPV1VaU1ktbGZUOVlfVVJQUXRkaWNLS0hQU1VRTXhvM1UxQ3pqN2xIVVVXdF9MQ2hnNHfSAY8BQVVfeXFMTVFZX1RWaTJudWpDbGFDR2RRWGJKREozc0VIWWdlTVJXemY2RTBHb2VjdjZVN2wxcnZ5X2tMNkZsTnpZQWxkN3ppcldSTlBQZGE3TXhrZThQTUhybWUtaElOcTZrY3ZxTVAxRjVMT0w4aVhQN1QwN0tNZzRQSnpHUW5UMVdMQnNVMU5ydWpJd28?oc=5) · FOX 2
- 2023-12-11 [Buc-ee’s opens its first Missouri store in Springfield - KY3](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQzBQd0RRQlVzYm5lNU84ZzRPUXl4R0NxZl9ubkp0cmE2WDh6NUNyTmdCU0FYYlh3emFGYUkzWGpvTi04cjJ0NHI0VkdmOEl0RkNha0NNZGtNeDJiTkhBQ1ZycV83RjN5VWpuemtkY0NhWmR2QVBMYjNCZ1BlZ3VkZWZ4X19aMDBacGxRRDMzOTJqTTVPVVE?oc=5) · KY3
- 2021-10-18 [7 Brew Coffee plans Springfield debut next month - Springfield Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSVg5TVF4dlZ3ZUp5UHdhaG5tcTBja29Fdk9rNWJrWUNOSXE3YThldFEzazhKRWNsREZLeXFUdEpzSWN5NWt6TVFZX2pBMDlaMjM4ZG1NWi15alBDVEp3SmxaMzIyekhieXM2U3AtOWZiQmliV2J5aWFqVHRMS2VSQVBrOU4?oc=5) · Springfield Business Journal
- 2018-03-28 [Edwardsville-based Joe's Market Basket announces additional location in Missouri - RiverBender.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQRXlqRUJLS0RtMThtWk85R3VEY2x2cFFDRUV6UzVEZ09VNWxrX1lPd0lxM0dWR0wwa2FUSVh5MXRROGN5OEVLckM0dzlqNFdnRFlSTDlLZzhnLUVnM3BlMGQ5bnB5NkZZTnlZaUkyTkhGdHdTZkdsRC1iM0NnMUR5bkFiZWlVOHZfNlpGajZWd1c4cUt1azhHdG1ma2ppWDhRSGFTWDdFc3o0bUdOWjh5SDB5eDlXUHNxaTBwZU1kYjEzaGFQd1R2RA?oc=5) · RiverBender.com
- 2010-02-14 [Soldier’s story rallies supporters - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNV3gxNTB4Wl9TNGdBUmlkUzBlV0trT2xmX0JIdHpfbUwxTVlBeVdKYktHSGt5NndjdnJCd1ljbm9QV3hOaHp2Z1NCYzhYTUs2RnhqUG9IUE4wc1ZXNFB5TG1iUWtBU0FpX1A4VlBNNEdVR2ZGZ2pPUWZyc1Nielp1U3lWX3dSZTR3RWJnWTFDOVdocEJKU3A2T2I4aXVJMmNYOEtHVmUtM1BmQ2M?oc=5) · Columbia Daily Tribune
- 2017-01-09 [Two women arrested following thefts and forgeries from Assisted Living facilities - FOX 2](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb25PalJTa3d4cEZ6VTRVeG5saXdHTVZuRkJUU3F5ZVU0WkYydFZacVNiMC0zRzA5dU5aN2c3c2pUYS1BYmJJUExoaU9weTZYMW5qT2hJcjdyeHU3d0l2NDh0WEUzazB3VnVBTTlqN0dLNE8zaTZ5V0V5V2t5OExFTkQ4bmpHd1RsU19oYm9xSFBqSEVLMEFQRHBtRF9QSEZSV1pjVWluelIyc3PSAbABQVVfeXFMUE1CcXZodWhObHNsYzhlU3JsQkYxZFd1eVBkTlZWeTVIZ3hJei1DRW43eU5MUlhmTUduaE1hZGdpZnhJYVBoLWYwSDNpLU1pZkJmamh5QWIzTnNqUFFCU3F1VXlOQ2FLYlo2YWpFMVJIZm92czd3bEg3Ukl4M2FiNFllN1JmSXpRU0ZSVlQzZzVkdXdlUXdQM3Fsa2dpV0ZMQnpwY09FMG1QaXFNMjVfSDM?oc=5) · FOX 2
- 2025-01-23 [Smalls Sliders opens first Missouri location in Bridgeton - FOX 2](https://news.google.com/rss/articles/CBMilwFBVV95cUxQakVoM2NVMmNxNklXRU9Da0JvV1JDSFhHb1p0dFBIaGl4TVdiZFpwRTJ0U01tR19makRDeWhqYzVKaUlxWWM0OC1UZ1Z4ZE5MSmtoTjZERmFnbU1obTNfQzJlWEJMQmt6ZXpLS1hNZEhvZnJ0Z1lTZTF1M2JBdEZFYzdsVWJfaWF5V1RZbVpKUVlBU0NqQ0Nn0gGcAUFVX3lxTE9QNkl3T1NhamIxN2NhSElES0VyWlptN2lob3NYSXhZRkItWjJtZkRjdmUyeG1WbW5pb0l5djV0MGFYOV9xQkpwTUhCRHN2RjQ5S0FBUm1QRkFoVkdmc0psVlRjOGxodG5XT0Nxbm0ydlIta2x5cDlVd0VQUEtLRVNQNVhxWGRWSEZJWlB0eWpENGFwNDhtMlpvSS1zZw?oc=5) · FOX 2

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62716 (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/60.json (key "62716", 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=62716
- 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