# NEIGHBORS
Saint Louis, MO · NCUA charter 62905 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/neighbors-62905

Who the members are: state charter, organized 1928, low-income designated. 47,638 members of 1,050,000 potential (4.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 171.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $571.9M |
| Members | 47,638 (0.7% YoY) |
| Full-time staff | 118 |
| Net worth | $68.0M |
| Net worth ratio | 11.9% (p71 of band) |
| ROA (annualized) | 0.69% (p56 of band) |
| Total delinquency | 1.18% (p85 of band) |
| Net charge-offs (annualized) | 1.12% (p92 of band) |
| Loans / shares | 85% (p61 of band) |
| Cash / assets | 10.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p77 of band) |
| Operating expense / assets | 4.40% (p85 of band) |
| Vehicles % of loans | 26% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 111% (p54 of band) |
| Vehicle delinquency | 2.18% (p96 of band) |
| Vehicle NCO | 1.89% (p82 of band) |
| Repossessed % of vehicle book | 0.73% (p99 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 35% |
| Average share balance | $5,067 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $50.7M |
| Loans outstanding per 100 members | 171% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,249 |
| Loans granted, annualized | $114.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $50.7M outstanding purchased (74.6% of net worth), $8.7M sold and retained. Sold in 3 and bought in 5 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 0 |  | expense trap |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | expense trap, leaning on borrowings |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 5 | members leaving | 3rd-party paper>100% NW |
| 2019-06 | 6 | net worth falling |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 5 |  | delinquency rising |
| 2020-03 | 6 | losing money, 3rd-party paper>100% NW | members leaving |
| 2020-06 | 4 |  | delinquency 2x band, 3rd-party paper>100% NW |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 | 3rd-party paper>100% NW | leaning on borrowings, losing money |
| 2021-03 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | 3rd-party paper>100% NW |  |
| 2022-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | 3rd-party paper>100% NW |
| 2022-12 | 5 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2023-03 | 5 | losing money | leaning on borrowings |
| 2023-06 | 4 |  | losing money |
| 2023-09 | 6 | charge-offs p90, repo signal, assets shrinking | delinquency rising |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 | net worth falling | charge-offs p90, assets shrinking |
| 2024-06 | 5 |  |  |
| 2024-09 | 6 | losing money |  |
| 2024-12 | 3 |  | expense trap, repo signal, losing money |
| 2025-03 | 4 | members leaving |  |
| 2025-06 | 4 | repo signal | members leaving |
| 2025-09 | 5 | charge-offs p90 |  |
| 2025-12 | 4 | expense trap | delinquency 2x band, net worth falling |
| 2026-03 | 3 |  | expense trap |

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

- 2026-09-04 [Sponsored: St. Louis schools and businesses unite for Tackle Hunger campaign aiming to collect 55K pounds of food - KSDK](https://news.google.com/rss/articles/CBMinwJBVV95cUxOZFpGQ0Q3VlBTUXkwMEZxZU1OM3hRSmRiSDRWcm9KRUdwVXNCMDNCQXNTd2RvcDB6ZHR3ZUI2X2pGam1KYmhtdHQ4U1R5eV8ySW1JbXVfVFMzb1p5TkxObTM3a0x3dHlkdEFhczNPZldodUpFSWFXUmdHTVNpcjBKZVNnM3B4ZXlBQXVnTnhkMmxta1o4SmpOQ0RhSUZRMFltc2lLSl9fMThvVVNHUFdrWkwyVHhtZVQxdXI0Vjk0cmZBOC1IRzVjMndEQUlVcEc2emR6RmUxRXhYOXBjWHBJZFhzMWxvWXNmZU1HNktpeEpRTTBwV240bzlqLThxVFhVMDU2M2VBSktQTDYxXzBOMWFRelRfY05rNDU1SHI0NA?oc=5) · KSDK
- 2026-06-28 [OPINION | JOHN BRUMMETT: It’s a different world as Razorback Stadium gets new name - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUm1XRGtXVGZGZVhEVVdDRk5udGlWdkFkdGlYWmJMZjkzc0dwQUZxSFBvcjVYUkM3XzNfbnN5S2NqV29rdkNtSndORzd1N05FRW8zOFo0eGQ3UUJRSFVyRTBmSElmU3FudWpUdjdyVEtZTW55dllBSG5mSjZ1TEtidUFRMEtpVC1YYzNYUkFkQmI2eG5uNXNiejF2ZGM?oc=5) · The Arkansas Democrat-Gazette
- 2026-04-02 [Data Breach Suit Dismissed, But Some Claims Ordered For Arbitration Resolution - Mealey's](https://news.google.com/rss/articles/CBMixAFBVV95cUxQUkQ0dE1HcXZBQlJiZDd4SElraXgxSkdOSFhwaU1QZ2VjTUNmLVgxSDJMM1VBYXUyelQ4WUxUWkpvbVVUOGtkS1RwWGVjNWNyV2VUVEJvTXdkcjBiYWxCUUY3ZGhmZS05SmFHSzM2OGZhMWljREk4bi0wUTNVeHVtbks3b01pT1pfUVlZMnNNam5pOGlrLWZSRFIzcDdWekpsdEtHWGE4TVBBQm5Uc0xyMkVCc2s3M2Z1c3dlbGdKR1BWeXJX0gFiQVVfeXFMUE83OHBXdjhKMUk5Mm1kaS1mV2d5S194NDdBQWY0M1NXMTB3Y0FlTkxNWXJlLXZrdmR4VGdRdG5GTkJZS3paWU5ocFZScGVzOGdUcmV0dmVlM2Y2Zl9GSXRjS0E?oc=5) · Mealey's
- 2024-09-24 [Customer accounts frozen at St. Louis-area credit union - KMOV](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMFpVN2Fuc2x3TmxFeE1zbGF5XzlzOEc3MUdTQmdrZUc1MG5NWmppaXlrVVBuYmxOX0NqWDZGM3N2UTUyY2c1XzF4UFVNNGFPSHJNdkplcUs3VUdrSWRrek1Nb2NsUTZUNEtiVXcyVnlGbmVpWmREMWxvZXJIUVhqSFZTektjSWJuaFNScEgtN2tRZ3Q3R1HSAaoBQVVfeXFMT3lPTFdheFpoX0t2azVHXzFoTGw1WW9fYUttRDdjVGI2ZlNaYzhETWM2OFBxNWFIbGlzckdZdVBTcXVrOXNtR1dIbjZhNHpZM25qNHNoNkFkVDNqc2RaWEt6MUQ3T05PYTM1cG5ud0phT3EwdFUzSXhsWEdZN0VXendrb3BtMG1Ud0lmRmk4WEpXc2pJTFNncWFXVHZ2YmdpQ21FNXVMZ1BLMFE?oc=5) · KMOV
- 2026-01-07 [Perfect Game and First Community Credit Union announce Chesterfield Athletic Complex - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOUC1mUnQ0Y25XQVc2aU52YTZSWWR0eDZRU0pSSjZFVHR6cFI5aHNvcjNSNmxUcUZVbmxxLTd5Szh0N0xqRzRJTnZwNWdmejR3Yk1DMDBYaFpFTXUxdGxIdWM2RWdORWFQR2ptRm1vTUpVVVBPYWFYU2FVUlJCamstVnpkNFhhMFB3UnIxblMtcGd2bWNrNzFVWElzdXQ1d1JqdVRGMGRDVGxuN0Y5RS1YZDNQbFdzZzlGajhTMXVOVXp0T1U?oc=5) · CUInsight
- 2023-08-25 [Sponsored: Neighbors Credit Union and Operation Food Search kick off 'Tackle Hunger' and 'Tailgate Fridays' on Television Plaza - KSDK](https://news.google.com/rss/articles/CBMipwFBVV95cUxOUi1BWDVWdm1QNzZ4UXlIUTFmQUhpb1YxNDlYVzFXNkpYbUp2ekhLSGFCVEptTFB3YXp1VUNKaE9tSnI3VG41eVRrQmJod21FX0FfYndsZEtHcWlodU1DdklOVF84VkFiWFhraFBFM0dVVDFOcUthUXhkd1IxX3NET2llOUd6Um8xd0xFVzZLcHF3Umt1YkgwdGpSWl8tbHd3bHFJWmljcw?oc=5) · KSDK
- 2025-04-22 [Spokane man honored with Washington state volunteer service award - kxly.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPenJ1SFc2LTE1QnFUdmtiRlQyRUx0RnNLeFBWMmRGSXNlU3dGNWFIQmZYNnRxaV9Pend5emRleTNySkljZlZDY1pxWEZVYWRiWnVaLUd5X2xGdmtBdTAzSVBFOGFGeThrVWJOcjE0SkZ1OU53MmlqaUxaMmVVaUI5SHJtZEw1M0dIcHdQbzFCMEpMSDV1S0FhdTZjYmcwZUpMOXQtOXFKcVNuTnJNLVBqWjhSLVpSb0ZVdk5VOHRwcFMzSVNjUmlkUkhnRURYS0ZmVzRmMFd3TGI?oc=5) · kxly.com
- 2023-09-22 [Sponsored by Neighbors Credit Union: Tackle Hunger's 'Half Time Report' - KSDK](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOUkRTVllJS0ozY1hleXU2ZzljNGgtS3BmT1d4LWkzTnZqcXI3eWNtejZHZ0kyVXRaLWdnczJGRm9TQVlKSEJVYkNvYmNTai1uSEV6aUpCYkRTTlNnbURjOEN0ZlRaakJsYlg5RGVkMXY4d2w0enlObnF1cEw2Zm94c1Mxa3h0ck1oTDl4YXdiTVg3Yy1hWlJkUUlaVDdJT2NkTDUwV0FITzNGaTJLb01DU3dLWTFCczd6aHctWHRoVkVyelhvNThJX0FFR3c5TFpTZmZ6TGlnOUNlVS1sdzEzLXUtRU96TzlCWHdLeWpaR1l1ZjV6T1RXVlp2eU41ZTJUQ19iNVNFdmJxZnM?oc=5) · KSDK

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62905 (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/57.json (key "62905", 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=62905
- 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