# SHOW-ME
Mexico, MO · NCUA charter 62960 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/show-me-62960

Who the members are: state charter, organized 1954. 2,646 members of 15,000 potential (17.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *quiet fade*. 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 | $42.8M |
| Members | 2,646 (-13.9% YoY) |
| Full-time staff | 9 |
| Net worth | $5.6M |
| Net worth ratio | 13.2% (p39 of band) |
| ROA (annualized) | 1.82% (p91 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.81% (p82 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 52.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p45 of band) |
| Operating expense / assets | 1.75% (p8 of band) |
| Vehicles % of loans | 31% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.46% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 23% |
| Average share balance | $6,696 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,657 |
| Loans granted, annualized | $7.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | assets shrinking | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | members leaving |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | members leaving |
| 2021-06 | 2 | delinquency rising | net worth falling |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | delinquency rising, members leaving |  |
| 2023-12 | 1 | assets shrinking | delinquency rising, members leaving |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 2 | members leaving | assets shrinking, delinquency 2x band |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 | net worth falling, margin squeeze | members leaving, delinquency 2x band |
| 2026-03 | 3 | members leaving |  |

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

- 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
- 2026-05-13 [Drive into Revity's 85th Celebration! - KSDK](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNcnVKV1ZuNUpSNW8xZ1hYZmthT3NPbGxYRnhEczMwZGN5U215ZG8wT0YydUdPcHF0aTVuUldSMjBBVFExQUo1RTFYUmRYMll2eGFLdklFZ2JDX1FfMUgzR2gtWlRKaVBmMVc2RkFTamlDeVJSTG9jOVFkNW5NWjRxdzBjQVpNQ1JLd1BiY21SOU43OFhsdFQ5N3R1cmx0RjNINEpRVXh5TVU4NEVCa2JnSHB2dWtRMG5QaHQyRmFpZC11S0VZWllIRnBIcG8tRzd6aGFyT0tiQWVobHluTkJnQ25qZmM?oc=5) · KSDK
- 2026-03-19 [Sponsored: Show Me St. Louis and Scott Credit Union visit Mrs. Hadfield's 3rd grade class at Emge Elementary - KSDK](https://news.google.com/rss/articles/CBMilgJBVV95cUxQMzVCTW1PX2ViX3cwRlJDakdZOTVSUjhoaWdSejVQUzZtbllWeE1DcDNBeUpQeEh2RjE0VVJqOHlidjNMaDhMMHZTRG9za25vUTlxVGJTTlVqRmVHNERFSnNCQ0xfQW9XYzNpV3YyS2JJdFd0RXVObVVoSVBRVnhhRmU1S0NuTTVSZGdUWnp2LWFYaDJnNHBIWjdyT1M2Rm9mWEg5OUlqbERnM2IwMFZEUWNvQ3ZibUR1SUtqbFVNUERtbmprYmVzcGpQV0xDMXlnV2dVckpoelV0RTROcnZDdXdXVG9kRGpiSDJzdDkweVV2YVA1UWVtbmh4b3dTa2REd3FRTjVmdUl1eWJ0YXpFSEs0RzAzQQ?oc=5) · KSDK
- 2025-08-26 [Multipli Credit Union Enhances its Elite Partnership with Mizzou Athletics - Learfield](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaWZkaUVSOHl3QXAwSzV2Wm1Ndms4UHczbURaRS1SVUZFQWIzbk1EYU5sTVFBekoyT1JDb2J2T3l2Q0Fpd0Q5bGpkTFFaMzViei1TcE1IUGNVd2dIUkNlRjl0ZUM2UnFlWkphYXY1VmJjOUcwakc3TzVmR3VjSDlTbE9JTTFwa1dtU2MwakszYjA1Q2FSMV9lZlhjUHJQS0tVNE5Ta0x2cHYyMGlkSEE?oc=5) · Learfield
- 2025-02-06 [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
- 2026-01-29 [The Best Savings Accounts in Missouri for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBRU1B6NUtZV3pGSDllb1h6N21JZU1ULTd6Y040ZC1TTGpEdndaNEFMUUswQU9aUHBraWFjTHFUZTNDUWRuaXVzb0R5LXpyanRERHB6TUFPR1ZTYmdYQUl4eWp3akhZZ1lvVHlURFI4SmFRRGtHVWVSZw?oc=5) · moneyrates.com
- 2025-12-12 [Sponsored: Vantage Credit Union opens new branch in west St. Louis County, offers $500 gift card giveaway - KSDK](https://news.google.com/rss/articles/CBMihAJBVV95cUxPdWZqQk16b3F0cWxDb3AxUDV4V3BiSWF3amhKRS1ETjZGclZQdWFRcGl5TV9ZcG1uUVk1MUFySk52TlhINFhURVpHWG9CLW12MU11S2RLT2FLdXVUOHBkSm44U0xFdzUxU1FoVTdjeWhta3BkU2VhLVF2blAwRk5IQUFXYzRKV3R0OHZVUEVYdklMaWg4aWE3ZFk5cGNLZ1NTYVlrMFBybkhZOC1uWHE3RUhsbTF1bHFtY3dtQU1YSUUteHlqZXp6RFNUaDQ4QmZNaWs0VFQ2OEhjYW15b3VFeTFLZzNtd3JsenczVVZOOTRYUHl2amFDT2FCSUxEQy1yMVIwQQ?oc=5) · KSDK
- 2023-12-21 [Sponsored: Scott Credit Union Rate Special - KSDK](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNdkltVUc2X2tzU2FQTmtKUHhCVkw2WjAyREwwWXdBdS1fT3VBNjlGNjQ0TDVGcHJlMlVkU1RTS1JEWjBlRVhha1E0cU9SODRPUDltMC1TbW1NTGhyMzdxX2tXQnhHajJXV1JWeFV5OUctTHVSNU9ESGkyUWRDTm51UzVtNG1rY0pzdXQwYk1qMG0wSGgxSExFQ1dzMUVEa0tEeXZyeXRHdXFKMkJKekNTX2pnYURFYWdiLUpEMmR0OENkdm5BSFBfV3JGRjJIamV3Ynh1TEctc1A?oc=5) · KSDK

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62960 (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/48.json (key "62960", 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=62960
- 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