# FRONTIER COMMUNITY
Leavenworth, KS · NCUA charter 63201 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/frontier-community-63201

Who the members are: state charter, organized 1954, low-income designated. 18,368 members of 2,500,000 potential (0.7% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $207.9M |
| Members | 18,368 (1.3% YoY) |
| Full-time staff | 50 |
| Net worth | $19.1M |
| Net worth ratio | 9.2% (p18 of band) |
| ROA (annualized) | 0.28% (p19 of band) |
| Total delinquency | 1.02% (p80 of band) |
| Net charge-offs (annualized) | 0.73% (p79 of band) |
| Loans / shares | 82% (p70 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.62% (p95 of band) |
| Operating expense / assets | 4.94% (p93 of band) |
| Vehicles % of loans | 49% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 295% (p93 of band) |
| Vehicle delinquency | 1.73% (p91 of band) |
| Vehicle NCO | 0.79% (p60 of band) |
| Repossessed % of vehicle book | 0.79% (p98 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 36% |
| Average share balance | $6,328 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.4M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $14,417 |
| Loans granted, annualized | $55.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.4M outstanding purchased (38.8% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 1.3% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **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 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 2 | delinquency rising | losing money |
| 2017-09 | 1 | 3rd-party paper>100% NW | net worth falling, delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | repo signal |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 | net worth falling | repo signal, delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | repo signal |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 6 | net worth falling, losing money, delinquency 2x band |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 3 |  | delinquency rising, losing money |
| 2021-03 | 5 | net worth falling, charge-offs p90 |  |
| 2021-06 | 4 |  | repo signal |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | auto monoline |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 6 | losing money, charge-offs p90, repo signal | auto monoline |
| 2023-06 | 5 |  | net worth falling |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 5 | net worth falling | charge-offs p90, delinquency rising |
| 2024-03 | 5 | expense trap, delinquency rising | losing money, repo signal |
| 2024-06 | 7 | thin capital, losing money, repo signal | delinquency rising |
| 2024-09 | 5 |  | net worth falling, thin capital |
| 2024-12 | 6 | assets shrinking |  |
| 2025-03 | 7 | net worth falling |  |
| 2025-06 | 7 | thin capital, charge-offs p90 | delinquency 2x band, losing money |
| 2025-09 | 3 |  | expense trap, assets shrinking, net worth falling, thin capital |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | expense trap | charge-offs p90 |

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

- 2026-09-02 [Sponsored Content: Frontier Community Credit Union | FOX 4 Kansas City WDAF-TV | News, Weather, Sports - FOX4KC.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdVEwdnRTOVUtbGhvRHlsSXBPSFVoeE5FY01EZ0FyOHZpY3pmUUc1T0kyNFZGSWlkWXZYYTlPaEhiaUlnRkh3czZGVVJCdTlMRldMU3BxaUJFTHlPTGFMZGh1WGxWVGp5djJianRTMGFYY28xUXVEUU4taDFpV1pmN0JFZGQwbjNyS3c?oc=5) · FOX4KC.com
- 2026-07-18 [Ronald Bratton Obituary Jul 18, 2026 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5BSnlpckx0MlNfQlh0N3QyMDc2Z3lyS05keTR0REsyZkZMTXM5Rks5WWk3d1RjcTQyNXZzT1BJSG8tTVViOFYtN0hiWFBSLW50aExEazJSUjZWNGF0TmE5by1B?oc=5) · The Amos Family Funeral Home & Crematory
- 2026-09-02 [FINANCIAL 101: Why Credit Unions Matter - FOX4KC.com](https://news.google.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?oc=5) · FOX4KC.com
- 2026-09-02 [FINANCIAL 101: Why Credit Unions Matter - Yahoo](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVlM2S1VWaXg1dUlYSUVzN3lKNEcwUEp2cXhVZHVNRWFHZTR3MGVhOWFWLUdwczFHNHM1a2hHQ2FRYjJielVaMFhkZDdGbS1QZzNQQVFhZzhSZ0hYdlhKdU9ZNE9WVTNWVkNGN3p4VDhtUW0xYTdqNjhyVjB0YWNrMzg2a3F3ZXc?oc=5) · Yahoo
- 2026-04-15 [Online scammers are getting smarter. Kansas, you have tools to fight back | Opinion - Kansas City Star](https://news.google.com/rss/articles/CBMikwFBVV95cUxOblo3T3pKbm9NT3U5R0xUYlY1eVJkTERxNmUza0hOdGFOQ3FkLV9rVjVybnRLUXlETi12dUNmVXZieERwYjN1c2M1Y2ZRbkJYLUJ4NjcwS3hqbVlJMXJBdGJ4QjBrblVNRTFIbkUxc2lObHhiTFVuUzZxcklUZlRfTDN3N2h3RkRkZjVMdGMzZ0xNaTjSAZMBQVVfeXFMUG9tbW10cjB6eUhVNWRWdXZRbUlBSmRzTmZnRktVeE9hTDB2V2JwOTltaldXb002UUlFRksyZ2JYUzZBclJxWHpYLUUxTEYyQ2Vhb1IwMnF6aDZjVkxuMEtDTkhGV3NyN19qei05TFZxSjVIeU9WZTZVUVpQcE8xSDZkTmVhTHJYSGZMNHh1LXppNkNV?oc=5) · Kansas City Star
- 2023-05-19 [List Extra: These 10 Kansas City-area credit unions top the charts for member value - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMGRVMXFIV1RQVHFRT1hzUEtNbkZsRXZYT3FqaFdzRm5MOTZsb0dTSThPZjNfeE9ZNGYtSFJsN09Sc3dTS3pmOXI4QS01VU93VXJVN0N6QS11QUVGd2g1bEJnbHJ0bFViRGN0bDB4VkhlM1RCRG1FNHBCMXgybm0weXRDcFpRR005azdIZTRjS0tGdXJjMDh1T1dSemxKdUJOVDVESENpVQ?oc=5) · The Business Journals
- 2019-12-29 [Frontier Community Credit Union Recognized for Educational and Philanthropic Efforts that Contribute to Financial and Social Wellness - BadCredit.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNVhiVmNFUkRYb1A4Qmp4LUFLR0NiNXdPY1Zkd0lxU1NBY1lXLVVEWUpGTUFXN19qb1hTU1Jyc3NjMTJYOTVTTWlScjgxNHpNTXlYWVl0REpLcl9vc0k5VDJadU4zbC1BUTJubE1YdENic0ZrOTVkMmNXemhmV0dDdFBqMGJmMTYzbnZzNFUzd2VzUdIBlwFBVV95cUxQeW1qbmhDUGl2NzZ3VWZEZnRhU2xicG5rUkF3RkZ4N1dKR1JadThnRWNhQkN6TnpOOF8yUVlwdmVvemw4WjRFSjl6eVo0V05heWttajZfb0lCYXpMS1dKTGdDQ212aVpxd2R2alp5Q3kyU0pXRUZwSzl1QVNMZDFfdmVreTNwWU9zVW5YeWRPRjVEMlp0cHJZ?oc=5) · BadCredit.org
- 2020-10-30 [Visitation planned Sunday for slain Jackson boys from Leavenworth - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMipAFBVV95cUxPemdGWHFJbXg1dEgtUTJBaFZLbHBFZ3hTcnp2YV9SY0dUektBNmJxSlk4RElob090SFFuMU9LR2pJdGlCXzZ5NUtGUFhBbjNFYlhKN1BnS0xHcUJvM0g2Z0VCa1J4Q3I2Q0I1TmkyRTIxdU5RSmZxTW1rdnh2X2Vubk14bEM3dWEzUjZFOHBOVXd3WkNCTE5USmJFd0hVODNyc0ZXYQ?oc=5) · KSHB 41 Kansas City

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63201 (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/33.json (key "63201", 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=63201
- 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