# ASSEMBLIES OF GOD
Springfield, MO · NCUA charter 62897 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/assemblies-of-god-62897

Who the members are: state charter, organized 1951, low-income designated. 18,127 members of 450,000 potential (4.0% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 325.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $446.7M |
| Members | 18,127 (-0.7% YoY) |
| Full-time staff | 66 |
| Net worth | $39.2M |
| Net worth ratio | 8.8% (p11 of band) |
| ROA (annualized) | 0.49% (p35 of band) |
| Total delinquency | 1.58% (p93 of band) |
| Net charge-offs (annualized) | 0.03% (p7 of band) |
| Loans / shares | 91% (p89 of band) |
| Cash / assets | 15.1% |
| Borrowings / assets | 8.84% |
| Net interest margin | 2.56% (p6 of band) |
| Operating expense / assets | 3.12% (p27 of band) |
| Vehicles % of loans | 5% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 16% (p30 of band) |
| Vehicle delinquency | 1.02% (p78 of band) |
| Vehicle NCO | 0.38% (p35 of band) |
| Repossessed % of vehicle book | 0.03% (p58 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 229% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 28% |
| Average share balance | $8,491 |
| Participations bought / yr | $0 |
| Participations sold / yr | $21.1M |
| Participations outstanding | $6.1M |
| Loans outstanding per 100 members | 325% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,719 |
| Loans granted, annualized | $128.9M |

## Participation posture (from the same filings)

Bought $0 and sold $21.1M in the latest annualized quarter; $6.1M outstanding purchased (15.5% of net worth), $10.0M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | expense trap |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 1 |  | expense trap |
| 2018-06 | 2 | loans>95% of shares |  |
| 2018-09 | 3 | leaning on borrowings |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | delinquency rising | members leaving |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 3 | delinquency 2x band, delinquency rising | leaning on borrowings |
| 2019-12 | 2 | net worth falling | loans>95% of shares, delinquency 2x band |
| 2020-03 | 2 | delinquency 2x band | delinquency rising |
| 2020-06 | 2 | margin squeeze | delinquency 2x band |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | delinquency 2x band | margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  | 3rd-party paper>100% NW |
| 2022-09 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 4 | thin capital |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 3 |  | net worth falling, delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | delinquency 2x band |
| 2025-06 | 3 |  | delinquency rising |
| 2025-09 | 2 |  | loans>95% of shares |
| 2025-12 | 3 | loans>95% of shares |  |
| 2026-03 | 3 | delinquency 2x band | loans>95% of shares |

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

- 2026-07-09 [How Assemblies of God Credit Union Has Served Members Since 1951 - 417 Magazine](https://news.google.com/rss/articles/CBMimgFBVV95cUxOczFOSi1ONmpwUGpHTy1zUXMzUGl3OUctdjNuQnR5dUhrSjFMdDBZUXR4MGE0Ry1wX1h0LXczc0xFYlpvVENQWThjVDVpaVBZUDh5UTRBRXdNS2xXQTVHc2NFWXl4ZGk1c2RmMUhpRmZfRmtVc2Y3cjI1eklWMWxuZW5QejlhZmlYMjI4VEhZTUtrWUQyczdlN3l3?oc=5) · 417 Magazine
- 2026-05-26 [AG Credit Union Celebrates 75 Years - Assemblies of God](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUGw5RGxoT1YxaTU3NFdTTW8wWXhUMHI3OS02RzdrZlRqeEkxLTVxY01FWTRwSHNvSDFtMWxVRS1uSjkybm1TaC1Cdnh5aTJmQklIMjNkNHAzTldhemcxOFBPV0VUbzVtOE1GdGlIZW4xVHhJMlRBTjdRTjdHaU16TVc0YlF5STA?oc=5) · Assemblies of God
- 2025-04-07 [AGCU appoints new CEO - Springfield Business Journal](https://news.google.com/rss/articles/CBMiYEFVX3lxTFAwdVlsejhGaEtwamVPUFN6WkszTkhLQ2hUR1lrLUlTTUVUeVgyMzBlaEhtSThwS3laa1pQYWwxTGVxaUJNcDR3MEFBczBRcmdzMnNHUUZMdUpWMDZZRjdOWA?oc=5) · Springfield Business Journal
- 2016-01-21 [The Doula Foundation names new Executive Director - Springfield News-Leader](https://news.google.com/rss/articles/CBMitAFBVV95cUxPYUx6WGEyRTgyR0Q5aDRGNnFhdDg5dUo4Ni1PbjVTSVlpdUFKUmtWOFE3dGVRTEl0OGMwNkZQOHpMVjBXQjVKZ0d2dXN6bmZtMnNfWVl2bjIyRko0XzVCR2ZHLTVBSm03YlRhaEVrVlNQbWRhQWstS3RLemhyczhiRkJjX2lCOXpXbjlUWm9obVExUnU1UVRxNUVtcG9HbDd2b2tWUnU5RDlJYjZtb1ZxenpJOXQ?oc=5) · Springfield News-Leader
- 2016-10-24 [Credit Union Surprises Hundreds with Tangible Gifts of Love - Assemblies of God](https://news.google.com/rss/articles/CBMitAFBVV95cUxQemx2azlaeWhSQWF3Y0NrcFdiSDE4R2pmQ3BTWjMyZXViY1U3ZHR5aUJaa3RHcHVCZ0Zna21HU2FyWEhnVGUxLXlIWTlITGtFV2pUSzcxdWlfQmdYWURSYVFZS1JCM3J2MGp2T2hSTWwzcThaUlc5cFlrSXBUOXRISklKUkVxcmVBQmZqRmxxQ1RlTF91eEVmUWx1MmhlNFlLSU41VmZyX3BlRGVtcGp4X2xFTU4?oc=5) · Assemblies of God
- 2025-08-19 [Mark Robert Perry Obituary (2025) - Springfield, MO - Greenlawn Funeral Home North - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5TX1huY1FqWV80Wjl4ZFVQLTFPb0ZJWVFQcklzZmJ4RnRjLWhWd3NzOVBHWTVRenlKeFZ5djk1QVB6akZIcTI3NWVGaVViNnJmcm5hSEZNYzhKMnFGQUxxZUVrMEJ4ejNSTkdGREtqTFFTdmkxNDNtc2kxSmoxUQ?oc=5) · legacy.com
- 2022-07-07 [Peggy A. Lawson Obituary (2022) - Springfield, MO - Greenlawn Funeral Home North - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZUJIcUhYalZEQmRpUmZGRWNuaHRIa3ZTbDVKRURQNU4zeVlwQTF2ak82Qi0wNC1mVzcwY2ZxeUdXMnd1ckJfZmFHSTh4MnhLVEltQnNocmZ1TDU0UjFpc2R1RnplN0JzSDhDM1BmLWJBWWR5SnVjbzRLbDFSSzRlYQ?oc=5) · legacy.com
- 2024-10-08 [David B. Drake Obituary (2024) - Springfield, MO - Greenlawn Funeral Home North - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5hMkhaMnFBQmtSMHhUd0FnenA5N0ZqRmxpZ004cUIyLUlnaWtJSTZ6VzdmOTZxdUVySktoS2p5T0s5WEpMM2F0MlhrQWVWak5LRkRLR0hzNlU3clVpYWcybC01WWFiS2VBZWU3WEFlYkdwNENhWU1TRHAyVFNoTVk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62897 (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/49.json (key "62897", 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=62897
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide