# COLUMBIA
Columbia, MO · NCUA charter 62930 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/columbia-62930

Who the members are: state charter, organized 1935. 2,126 members of 160,000 potential (1.3% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 1518.

**Verdict on the desk:** this could be *ordinary*. 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 | $33.8M |
| Members | 2,126 (1.1% YoY) |
| Full-time staff | 10 |
| Net worth | $3.3M |
| Net worth ratio | 9.8% (p15 of band) |
| ROA (annualized) | 1.18% (p76 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 35.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.23% (p90 of band) |
| Operating expense / assets | 5.16% (p81 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 22% (p92 of band) |
| Vehicle delinquency | 0.15% (p38 of band) |
| Vehicle NCO | 0.19% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 3% |
| Average share balance | $6,606 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $717,846 |
| Loans outstanding per 100 members | 1518% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $605 |
| Loans granted, annualized | $6.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $717,846 outstanding purchased (21.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 10.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 4 | losing money |  |
| 2016-09 | 4 | repo signal | losing money |
| 2016-12 | 1 |  | capital below 7%, repo signal |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 4 | assets shrinking, loan book shrinking |  |
| 2017-09 | 3 |  | assets shrinking |
| 2017-12 | 3 | delinquency rising | members leaving |
| 2018-03 | 3 | members leaving | delinquency rising |
| 2018-06 | 2 | delinquency rising | loan book shrinking, members leaving |
| 2018-09 | 3 | members leaving |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | thin capital |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | thin capital, net worth falling, delinquency rising |  |
| 2020-06 | 3 |  | members leaving |
| 2020-09 | 2 | members leaving | net worth falling, delinquency rising |
| 2020-12 | 2 | delinquency rising | members leaving |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | margin squeeze, delinquency rising, loan book shrinking |  |
| 2022-09 | 2 |  | margin squeeze, delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 | members leaving | loan book shrinking, delinquency rising |
| 2023-06 | 1 |  | members leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | thin capital |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 4 | assets shrinking, members leaving, loan book shrinking |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 | delinquency rising | members leaving |
| 2025-03 | 4 | expense trap, members leaving | assets shrinking |
| 2025-06 | 3 | net worth falling | loan book shrinking, members leaving |
| 2025-09 | 2 |  | expense trap |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 0 |  | net worth falling |

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

- 2026-06-26 [Cole County prosecutors charge three Columbia residents in Jeff City credit union scam - KRCG](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVlFTcnk0blVBV3djM1F2bjRtWjVUaFk5SmJyLTBBTW9oNVNuaGlIb3cxZHlkN21HVFROTUJMUTJJZElOVk12Z3JRTFVNYXE5SzlRRkpNNXJ1Q1E5YzNKSEdIMTJua1lpT1FtY0pndThpUzRnTGo0d3Vid1JZOFNhTjhhamp0OEhqRGQxUkNqSHdsOHFFYUpTSTRhci00TFhyU1FCcW9KREFtQVMyd19iMmdzT1FXQXM?oc=5) · KRCG
- 2025-11-24 [Kara Cardona ’07 pays it forward as Navy Federal executive - connected.ccis.edu](https://news.google.com/rss/articles/CBMizAFBVV95cUxPbkZvYjZDTkFTUC05SXVFN3Ewa3RZRi10a0VySnRJVG9nLU1YS2I0NVB6SnJWakw3N0otLVNTa2NVaGNWaUlMRFBwUzc2REZ1bmdUZjBuSzBpNzYzcVZkRklHeDBGWlFqMWVRWi15V2xhdFdjNjZXNE8yc0RUNHQyZjR4UnFTMGlhNDNQUTFpOTRyUGxQQk1PN19ybFZISHhjVlBaRmpveEJfaXRaZ2k4ajNWdnhkcVYzMzdpdVB6NTFnOS0yZUUtMUxIWk4?oc=5) · connected.ccis.edu
- 2026-02-04 [Multipli Credit Union’s new building to be completed by early fall - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZjBWVXI4aGZIeDh0TEJfNkFYR0kxVVlwZXhpelFvMFNpdEJSTjBXX2xuZ1BxTXRIaG5zeW54djVNLXloTldNMDhONm9oSkZKSUhROVdDWEktWTFWZldMRXFkUzVqVjVjckNmZUlNT1BDT1ZFdFBNOHk2ekJBZG5uWVZpTE14RzAtdHFrbTZRSjM?oc=5) · Jefferson City News Tribune
- 2025-02-06 [Missouri Credit Union and River Region Credit Union seek acquisition approval - KOMU 8](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPRXFENHlnT3N2azZFbG1ST3p6eE5OdnJzMTRjd1VLWGFSV1FuUlNBdUpOOUhLRVNMR3V3ZVplUmpVMnM1LUpaUTZKTFNKSF94WHZMckc3dHVBTWg2TDZ6QjEyZWtPcThHY3BlZEE2bDhOZ2FHd1BoV1JDNmJQYmYyWndxT1JHRUlOTUNvNDBlUzYwaFY1TVU2WDFEaFRuQUQ1ZjNZN1VOUmt3ZXEtMUE2ZzVjM28yUVM2RTVpMEE1N1JKazJBV0xuNUlpLUhnSXN6ZTE3SlBPTnJabm16X1dEeVZNUG03QWt6dVdaTE9TMkpvUGt3UmkzWWdlRXJuQQ?oc=5) · KOMU 8
- 2021-12-22 [Columbia Credit Union, Love Columbia kick off yearlong car-giveaway campaign - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNNzdyT0FCSDBUUVBGWlJIYW1HZVF3QlBzTnY0Q1gxZkZmOHhqVzlwOTNjVWN4eXdFcmxsU2xIVzk1a2staW9zMWs0bHhUZEtuTnFmSG9hdWhIU0lKOEd5Si13Ti1nZ0U2WFZqUDgzb1RUcGtEbTI4YUczWmZfR0lYdHB5cmVzbVFTVEt4YzJGV0hGV09OcU41NG0zdmtLS1hWSVppR3lSUlJJR2lwS0c5bmtxUHpTckdRMmNFT01YYURsdFI0S1pGNkJqZkJTdG9McU5zeA?oc=5) · Columbia Daily Tribune
- 2025-12-22 [Charles Lewis Roach Obituary (2025) - Columbia, MO - Bach-Yager Funeral Chapel - Columbia - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPOGNBV2kxcy0tR2QySmtEQkR5T1dRV25JWUoweVVkZW5rQkJVbjZSQXdZWHY2eElRWU9EWTBObEFwWl9pbkJiXzhhX2x4cGdiT1dXcEhBWHJEWE92TUx1TTJhWnctUTNaV3V1bUJpZmlrN0liWkw4YmYtemwyS1ppZ19B?oc=5) · legacy.com
- 2025-08-26 [Multipli Credit Union Enhances its Elite Partnership with Mizzou Athletics - Learfield](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaWZkaUVSOHl3QXAwSzV2Wm1Ndms4UHczbURaRS1SVUZFQWIzbk1EYU5sTVFBekoyT1JDb2J2T3l2Q0Fpd0Q5bGpkTFFaMzViei1TcE1IUGNVd2dIUkNlRjl0ZUM2UnFlWkphYXY1VmJjOUcwakc3TzVmR3VjSDlTbE9JTTFwa1dtU2MwakszYjA1Q2FSMV9lZlhjUHJQS0tVNE5Ta0x2cHYyMGlkSEE?oc=5) · Learfield
- 2025-06-03 [ModernFi CUSO Sets New Industry Standard: Credit Unions Can Now Offer $15 Million in NCUA Insurance* per Account - Business Wire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObWNka0d2R3VXQjJJbWpLdVFGN3hhbkJTWEVVLXhxX05TeFNFdVlxb1RJbGFoa3J6X0gwQmVaMV9EOUtFZElqdElkSzJnS3RwckNTblljUkRlejlIcThxcUZEWVV6ZW45aVg0NUdqdHotZjBya3lFU2JiNVp2aFhzeTVqZ1UxRm9FblFtVTdkMTZoNnpKOXpPLWY5NE9NcXhEQUZZWGVQM1VSY3I1THZadlZNYmk2ZzFPcU5mY3laNjlJQ2FSdkJxZlBZMVppRXNvcEI3bThXMUh6d0RCQk42UERoWXJNQ0NjYW44TFI3V180LU9ZMjdSYzBBQTVQUQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62930 (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/18.json (key "62930", 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=62930
- 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