# WHITE EAGLE
Augusta, KS · NCUA charter 63189 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/white-eagle-63189

Who the members are: state charter, organized 1935. 16,286 members of 40,000 potential (40.7% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $196.5M |
| Members | 16,286 (2.2% YoY) |
| Full-time staff | 42 |
| Net worth | $27.3M |
| Net worth ratio | 13.9% (p76 of band) |
| ROA (annualized) | 1.94% (p94 of band) |
| Total delinquency | 1.17% (p80 of band) |
| Net charge-offs (annualized) | 0.72% (p80 of band) |
| Loans / shares | 62% (p35 of band) |
| Cash / assets | 34.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p50 of band) |
| Operating expense / assets | 3.44% (p42 of band) |
| Vehicles % of loans | 58% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 55% (p57 of band) |
| Vehicle delinquency | 0.56% (p50 of band) |
| Vehicle NCO | 1.28% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 32% |
| Average share balance | $5,798 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $14,031 |
| Loans granted, annualized | $40.4M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, auto monoline |  |
| 2021-06 | 3 | delinquency rising | net worth falling |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 0 |  | auto monoline, delinquency rising, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | margin squeeze |  |

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

- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2026-02-10 [White Eagle Credit Union files plans for $2.3M branch near Andover - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObmtUMkdHcnNsQld6NGZMOGg5eWxIMHJ0Qlp6LU1vdzFnNGVmdUQ1LVNjd3pqdXp2d1VFZjNoYzVqRUNWYlBYMVV1ZTdCZXIwa2N2b1AzWl90eDdoQVRIZF9MLUU1SFpTcU1XQVpuR0tjS1NMVGo1c2MtMm5QMldlNUNBUkZ4WjRZWGprS055N1NLQ3NpYWY1SGJIaThMUy1pRTZzaDh1N1A?oc=5) · The Business Journals
- 2018-09-19 [Kenneth Wayne Snyder Obituary Sep 19, 2018 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5DZE1XcGZEVWlPWVR5SC1sUVVtRm5YSld4UjluSE5jTlBKMFFjWko2cy1veXhFZXlETDFPUlRDUUxpSktqQWU5Z002OTRtcThqbzZTQW5CamtXaFk5U2U1RC0tbmxEbWNZX1dRWlZQSQ?oc=5) · warrenmcelwain.com
- 2025-07-03 [Brett Ryan Nash Obituary (2025) - El Dorado, KS - Heritage Funeral Home - El Dorado - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE94amQxVEd2S2UzTUc1OVRQQXdLTzlkY3JlRWxhVGxESU9RTUd0Q290M0VEVzRLVGFSeFZPY0M4TzEySlRhSXdLZXN3cVlYdkZobDk5QnJHRk5EcjB5Rm1YUTVLTVRoVFB4cGdXbUNrYVZUbjNmU3cyUWZGNmVvQQ?oc=5) · legacy.com
- 2025-09-19 [See what Wichita-area companies are Best Places to Work finalists - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMDFFNHFvWmJReFdfQUN3cGFlbTFYNnFVMjVXSXpoUlBoVWd5UnlOX0hGU3N6Rm8wWUFreUxseGFYUzVXTkxwQVpBSWtJQ0lkd0RLTkt5eDI4X1g5d3h5Z0hub0hqSWlpSFpwZkhWdUJ3Y05VZVpNNnNVM2dPZjVENzM1U250djViRE5DQkxVTC1VczFseEE?oc=5) · The Business Journals
- 2022-06-29 [Gas stations increase holds on credit, debit cards at the pump - newsnationnow.com](https://news.google.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?oc=5) · newsnationnow.com
- 2009-04-03 [Here's what is happening in Augusta - Savannah Morning News](https://news.google.com/rss/articles/CBMigAFBVV95cUxNM2s2M1FpRFpocllROWczYUtwaEVTMWJEdFNtSHpWNkZsWGpjaVdCWWd4R0xxblV4cWRxRkdmXzY5eThjUHhtZ0xBR2lfeW4zS2lZWndrZlZJTVVjX1FUQmJkNGRVTkZrTEoxTGluRUo4MHB0M0tJVlhxRVhXNmc4SA?oc=5) · Savannah Morning News
- 2025-01-06 [Donna Putnam Obituary (2025) - El Dorado, KS - Butler County Times Gazette - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNS3JVNXcxR0RxQkkxTEZwOGliZFI1TDgzN3liMlgxREJmcDBPa2VpT1FOb21Cd2laMkZodWxwSkM0Rmh1U3RoMkg3MGw1WGxiM1V4WVlKcWhWZWVqS3FlOXZRQXRnRGFMdkM4MzRqM2NUcl9haG4xMGVybE1scFlrRThzZmRMQ2U0YkhnSWRXRk5qcVdQY180MHFPN1M5aElSWUE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63189 (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/21.json (key "63189", 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=63189
- 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