# NORTH EAST KANSAS
Topeka, KS · NCUA charter 63118 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/north-east-kansas-63118

Who the members are: state charter, organized 1958, low-income designated. 1,114 members of 3,500 potential (31.8% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.1M |
| Members | 1,114 (-8.3% YoY) |
| Full-time staff | 4 |
| Net worth | $601,530 |
| Net worth ratio | 6.0% (p2 of band) |
| ROA (annualized) | -0.38% (p15 of band) |
| Total delinquency | 5.02% (p94 of band) |
| Net charge-offs (annualized) | 0.41% (p79 of band) |
| Loans / shares | 64% (p74 of band) |
| Cash / assets | 40.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p88 of band) |
| Operating expense / assets | 5.48% (p94 of band) |
| Vehicles % of loans | 76% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 6.03% (p96 of band) |
| Vehicle NCO | 1.14% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 28% |
| Average share balance | $4,635 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $13,760 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | net worth falling, losing money |  |
| 2016-12 | 3 |  | charge-offs p90 |
| 2017-03 | 6 | margin squeeze, assets shrinking, members leaving, loan book shrinking | net worth falling |
| 2017-06 | 6 |  |  |
| 2017-09 | 7 | delinquency rising |  |
| 2017-12 | 5 |  | losing money, delinquency rising |
| 2018-03 | 3 |  | delinquency 2x band, margin squeeze |
| 2018-06 | 4 | delinquency 2x band |  |
| 2018-09 | 3 | losing money | loan book shrinking, delinquency 2x band |
| 2018-12 | 4 | expense trap |  |
| 2019-03 | 4 | net worth falling | members leaving |
| 2019-06 | 4 | thin capital, auto monoline | assets shrinking, expense trap |
| 2019-09 | 7 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 7 | repo signal | loans>95% of shares |
| 2020-06 | 8 | expense trap, charge-offs p90 | repo signal |
| 2020-09 | 13 | capital below 7%, repo signal, assets shrinking, loan book shrinking |  |
| 2020-12 | 13 | members leaving | net worth falling |
| 2021-03 | 11 | margin squeeze | delinquency rising, charge-offs p90, repo signal |
| 2021-06 | 11 |  |  |
| 2021-09 | 10 |  | assets shrinking |

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

- 2019-01-24 [Homeless man found injured behind business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQYkR0ZFJQLUZ0VElBUVVrSVp3cXhNWXNBQldXalpUNGRySGo4TUUwdXVsRE5BQTUzSTdna2dMRGw2cF9SSzl1VmdZeHZSWnB3RFVna214XzVCMzA5a0NOUDhILUtPUWRNSkJTenFjN3ozQlFqcE9TQldJVElSbV9FWC1qZUs5eG4wUnJFbWx5c05VNlBqNlZLT3R6ZkpRU0JkNnZ1SjVPT1Fia0ktd3VFeXJXTHJhV0lQZHViTUVXR3BpakZFOGxTZ0VNVXVfS2VXT2szTEF1cV9fYkdX?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63118 (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/14.json (key "63118", 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=63118
- 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