# CREDIT UNION OF LEAVENWORTH COUNTY
LANSING, KS · NCUA charter 63209 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-leavenworth-county-63209

Who the members are: state charter, organized 1956. 1,191 members of 6,000 potential (19.9% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.7M |
| Members | 1,191 (-9.4% YoY) |
| Full-time staff | 2 |
| Net worth | $516,782 |
| Net worth ratio | 7.8% (p6 of band) |
| ROA (annualized) | -0.78% (p8 of band) |
| Total delinquency | 0.11% (p19 of band) |
| Net charge-offs (annualized) | -0.01% (p12 of band) |
| Loans / shares | 64% (p57 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p57 of band) |
| Operating expense / assets | 4.71% (p81 of band) |
| Vehicles % of loans | 58% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.50% (p97 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 7% |
| Average share balance | $3,637 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $9,383 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | thin capital, net worth falling |  |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 6 | delinquency rising, members leaving | repo signal |
| 2017-06 | 8 | delinquency 2x band, assets shrinking |  |
| 2017-09 | 7 |  | delinquency 2x band |
| 2017-12 | 6 |  | delinquency rising |
| 2018-03 | 6 |  |  |
| 2018-06 | 5 |  | net worth falling |
| 2018-09 | 6 | delinquency rising, repo signal | auto monoline |

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

- 2018-03-27 [Hutchinson man indicted for robbery in Wichita - The Hutchinson News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNHVVMVdZS2k5MHJYTXhXZm9nb3A5SlFFQkVoMTlZZFR6MVFCRjUwai1jWVVXNXdaM3liS2Z2d0ZSUEg3Y1pqYk5qOFo0bDlWVWw5SG1ZbDZ6a2lfS0lqLUZ0UkhfT0otako3MmtSZFNmVjhvSHNhU21NajZfLWVhYU9ORlIyRXVIR0dNUjJ3WnBwcm5SandSUWVjWmVRcnNUUDByOHV2NzRNQkJoRnU3VlVuWQ?oc=5) · The Hutchinson News
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63209 (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/41.json (key "63209", 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=63209
- 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