# PUBLIC SAFETY
Kansas City, MO · NCUA charter 62812 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/public-safety-62812

Who the members are: state charter, organized 1934. 13,461 members of 50,000 potential (26.9% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 829.

**Verdict on the desk:** this could be *participation buyer*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $190.6M |
| Members | 13,461 (2.1% YoY) |
| Full-time staff | 41 |
| Net worth | $23.8M |
| Net worth ratio | 12.5% (p61 of band) |
| ROA (annualized) | 0.83% (p58 of band) |
| Total delinquency | 0.19% (p14 of band) |
| Net charge-offs (annualized) | 0.87% (p86 of band) |
| Loans / shares | 77% (p65 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.44% (p87 of band) |
| Operating expense / assets | 4.49% (p78 of band) |
| Vehicles % of loans | 41% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 65% (p61 of band) |
| Vehicle delinquency | 0.28% (p28 of band) |
| Vehicle NCO | 2.09% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 12% |
| Average share balance | $5,645 |
| Participations bought / yr | $6.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.2M |
| Loans outstanding per 100 members | 829% |
| Loans granted per 100 members, annualized | 462% |
| Average loan balance | $1,154 |
| Loans granted, annualized | $69.7M |

## Participation posture (from the same filings)

Bought $6.1M and sold $0 in the latest annualized quarter; $8.2M outstanding purchased (34.4% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 4 | thin capital, delinquency rising |  |
| 2021-12 | 0 |  | net worth falling, margin squeeze, thin capital, delinquency rising |
| 2022-03 | 1 | thin capital |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 0 |  | thin capital, net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 | assets shrinking | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 0 |  | assets shrinking, delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-09-08 [LGE Community Credit Union celebrates grand opening of relocated Rome branch; donates $20,000 to local first responders - Marietta Daily Journal](https://news.google.com/rss/articles/CBMikAJBVV95cUxNMUpYUTdaSXdkNEkycjJaR1hvM1IxOWFxNV9wUTlCQk1rM2o5MGF3aHR3TkREM1ptYWhjMk1sbnJ6VlVXQjQyVU9qbEhlV3htNVA2SVZWeF8td1l4RzRSSWkzTGliN1R4QWNLN3RfTWY2dnRDSEFJeHpKWVVXS3o1TFZwdEtUaUVaMzdUeVljd3lrSVBJMEpPWkRVYWhpMWc3WFMwalkyRDZyQTRBYWRQSEhQV25PeHJVS3dnQVZiUXAwQ2I4THNOQnlGd0ZsWjliQklFQkxGaXNRb3NTcnREZTJkbEQ4cUE3WmFLZC1oTDBIM1VZc21mblZYeGJKcVdVNjBMSV94bzBFeXMwcjVfMw?oc=5) · Marietta Daily Journal
- 2026-02-02 [Arrest made after bomb threat at Albany credit union - WRGB](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdVBBbjlPcWVkUWExR0R6RUdYZzVUaFV1UnZMNDRLRzFaX1NqcDJIOGJyMm1FdHJCSXZBa1pnN25yRzdhZzJvUG1hZFdBTFo3VEM4MXRYa2dWeWRHMlFLZEZNbkF3ajlUMHlPdTd2RWFlcm02akRaVXZ5enJwaE8wUkF5U1U0UXFxMDIyVUd2bDk1OFk5RHBYUGhJOC1Xc2VMSEw3ZGF3Y3B5Zw?oc=5) · WRGB
- 2025-11-04 [Missouri Highway Patrol launches annual toy drive for hospitalized kids - KTTN](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUkF3c3dYREtPQjQwNXM5WmFvRVBFSF96dF95c1VYdUl3amg3VVNPOURhU2p6S3k3WWczWm40TmRIOXRjeXJGVC1wcDhwWkZ3UDRNVXZidkhqc0djUDdhd1U2LTBVZVFJTVljU283ekxodnR6azFidFdfQjJqeUxoQXBQN2VEMGhtVkxJakMycEtZTHhLbVBmSg?oc=5) · KTTN
- 2026-01-09 [Edwardsville School District #7 Schools Awarded Four Scott Credit Union Community Foundation Grants - RiverBender.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNLVZMS3BqX1huWXRGbzNBSXRQUkpVOUl2N0gzeDdxRU5Tdi1DVFFsaUZvcXBkNE80QXNLaFlPd0UtZzBTbi1BeWRNRW5WTnAycC1fRVRjZUxDeVN6LUYybzhQeGsyeVhSYmxzUXJRMnR3OE1mek8zdEdvX19UbVVaZ2RXcGdod0hhRXVsRjRwZ0dDNkVpdk1jZEkyTlJEUllTc1VZQlFtcEVCVkJteGxSZFA1eGdsdEU5bXgyRkV6aWFUWG9HeE9PeGlTOGJZelJKZnljV2lFQTZWdTFhamh0VnZqTUMydw?oc=5) · RiverBender.com
- 2023-08-08 [Fundraiser established for family of fallen Fairway police officer Jonah Oswald - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMitwFBVV95cUxOX2F1VWJsRG1zMXFvbllEdTBndnBxS2Jad0xQa0ZBdmZ3M3dCTDR3cU91cGR3N0Z1ZENRcE1xX1lRaGZva25TNHNvTUpJcDU1RWxNYVppdGNfaklTUE9welhyS1Y1S3JsUHgwWUtXZnlNWVU0Wml0X2tUYlliSEl2WXVkZjJpT1JGR3BSRGd4ODFxUFJqVkVsMEl0Wm1EZU5XaFNBaDdmeW9WVVlvVC1taEx6Tm5VRUU?oc=5) · KSHB 41 Kansas City
- 2025-05-27 [River Region and Missouri Credit Unions debut new merged name: Multipli Credit Union - KOMU 8](https://news.google.com/rss/articles/CBMijgJBVV95cUxNRVZpT0hoWHhybEx0TnNZMlNrVHA3XzJDbEtBM1NkZ0MwT2dzM1NaUy1rUllMVWgtdWg2dnhmYVlNZ3VGcHRmaEhtc2doMUN3ZTN6M0xfeTJhamMyNFYxMlVCakYyTG5SS2dZbHFGekpIaWE3ZVBwcng2akE3eUNlVHJZZi0wUTU1NjA4a0loN25oTjdmVUM4cE95S2VyUjh0b240WlpXa2oxRGdNMnRkRnhBbVp4R2pRMWU1cmlFcnMxeGNjOWNGbmVUdzdaajJzeC1WRlpMSVRJMTVOVnpRcFFjMkgyX2RiYV9LcDgxUHhJbDhybEl6V0Z3dkQ4Y1ZYRHBuSENUNWF3dHdBY2c?oc=5) · KOMU 8
- 2025-07-30 [Warning after fake accounts pop up for Officer Ming memorial fund - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNT2VXeC1Ra0ZwVDZLX1NVMWYwQkxPZnIwQWJuaW1kRE1kTU9ZbGpTR3V0NHZfd19teTlVQkRRY3p1OWlmVHBFTGtqaWNtM3doZ2gzWE1lX1kxaFJKSmlucjVkNDRDaFR0czk1QlRiYUo4OFR2NGN2NnRxZ3oxNkcwUkhsc2JkeXZsR2ZJWnhBWVZObTU4dlZXNGttYWdpWWYyM2lHZ1JVeF9qVnZhdnFBRg?oc=5) · spectrumlocalnews.com
- 2015-08-03 [KC Police Credit Union takes a new name - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPTHlpd3NIUV9hZTkxRG0zaWhZR0kwUWlmMWcwS0VVSmEwZ1JVRjJrVzJGMVlLV1pVVlRUbkNEdHhISzZUNS1tVkswQUFwbGthX2hXRUs1NU1jTzZoOTBZTlZfc0hDU0o1XzM5QjlJRlBUNmdsZHdVNmZtUW8tdk9jZ0s2R2RyaVNWZzZsamdKbjVDMVVicFRQa20tcHpEdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62812 (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/28.json (key "62812", 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=62812
- 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