# MUDDY RIVER
Atchison, KS · NCUA charter 63240 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/muddy-river-63240

Who the members are: state charter, organized 1939. 728 members of 1,000 potential (72.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.6M |
| Members | 728 (-14.8% YoY) |
| Full-time staff | 1 |
| Net worth | $487,919 |
| Net worth ratio | 7.4% (p11 of band) |
| ROA (annualized) | -1.75% (p5 of band) |
| Total delinquency | 7.01% (p96 of band) |
| Net charge-offs (annualized) | 12.13% (p100 of band) |
| Loans / shares | 43% (p42 of band) |
| Cash / assets | 19.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.18% (p97 of band) |
| Operating expense / assets | 2.93% (p50 of band) |
| Vehicles % of loans | 72% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 8.56% (p98 of band) |
| Vehicle NCO | 12.38% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 15% |
| Certificates % of member funds | 0% |
| Average share balance | $8,341 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $9,235 |
| Loans granted, annualized | $901,860 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **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, auto monoline |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | losing money, assets shrinking, members leaving |  |
| 2017-06 | 6 | net worth falling | assets shrinking |
| 2017-09 | 7 | assets shrinking |  |
| 2017-12 | 6 |  | net worth falling |
| 2018-03 | 3 |  | charge-offs p90, losing money, members leaving |
| 2018-06 | 2 |  | auto monoline |
| 2018-09 | 3 | net worth falling, charge-offs p90, auto monoline | delinquency 2x band, assets shrinking |
| 2018-12 | 5 | losing money, delinquency 2x band, assets shrinking | charge-offs p90 |
| 2019-03 | 3 |  | net worth falling, losing money |
| 2019-06 | 5 | charge-offs p90, members leaving |  |
| 2019-09 | 4 | delinquency rising | charge-offs p90, members leaving |
| 2019-12 | 4 | charge-offs p90 | assets shrinking |
| 2020-03 | 5 | margin squeeze |  |
| 2020-06 | 6 | loan book shrinking |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 7 | net worth falling, members leaving | delinquency rising |
| 2021-03 | 9 | thin capital, losing money, assets shrinking | margin squeeze |

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

- 2025-11-06 [Former Kansas mayor, bank manager sentenced for decade-plus embezzlement scheme - FOX4KC.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNM3laUmpQSHhuWW9VUnhLT1BmcHJsV3ZlbTMyellsQ0JRczBSUGNtaHpsZm44UmphOTFEaEE5cWVteVgyTVVjbmxmTGEyY2FZNnBNVnVQNC1ESmhUYkEyNlhtYi1iVVgyalFGNERWVEpSeUhMMWFCd0ZGWDhWRzBMTEJMczNCWnlEeWp6eXBzTy1tc2pOcHJwckxtSElkZjltMUlVdkFB0gGrAUFVX3lxTE5iUXNlMDd6bmxwcDNZNlFMX3daOGZmeVU3MUYtdE1KbVQ0UXJHSzlZTWlKbHZ6NlBwNXlkTnBhcXJqX3pINGJqVDJyUDhEbTRsanREMF9za250NkM4eHNqbVYzcEhOSjd5LVhBOVp5NmlhRDVNQlZrM0gtX01rS2ZTWHJsYnVjQ3Y3YUprcldsNjJKenh4VVAwbWxNVjgtdG1GSDlIcGFfWDVSYw?oc=5) · FOX4KC.com
- 2025-11-08 [Prison for Kan. credit union manager's $700K embezzlement scheme - Hays Post](https://news.google.com/rss/articles/CBMicEFVX3lxTE1KRDhQNDJqUTlHMXM4TVBxTnhVMWlyTDFVdWtBRUNZRVY1UE8zem0zZVFKalVGNllsZFhJb1hfWlJ4dzRueHBWMlBMNVk0UXhfcEMzYVJPVDFDVkhSV09nRXViSkpqTWtWRmhTSDgwQks?oc=5) · Hays Post
- 2025-11-10 [Former mayor gets prison embezzling from Kansas credit union - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxORDhWY1gwYzB1d01Mc0pfMGNjWGFxREV6VGpHTUdELXNvOW5BN2o4SzRLaEhnWmVhY251dHhfOTBkMExURUlsVFBIQktfXzI4MElRbVNIb0ZET1FkYU93N1M5ZWR1RzdnN3REc0hsN1NQOURDSkp5MlpFOFVkemZVMVZZWUk4dktjNkxQX0RDcXdic3E4Sm9KNGs4bmdmUllSRUE5aGRLcjBnNm5J?oc=5) · The Business Journals
- 2025-11-03 [Former Credit Union CEO Sentenced to 63 Months for $778K Embezzlement Scheme - CUTimes](https://news.google.com/rss/articles/CBMisAFBVV95cUxPYi1pdVBCbTktNlFiZFhRME52WkwxVldURHBrVGw4Z1lGV3AzU3NlTjZweUhLWkpKZjlxZlFDZ2g0bHNxU3JnNkNjS2JNVWJYT3g1UEFuNGVUMGFJNGdiQnFfU3dGb3ctMTZXaTNvNzJORUZwbFlQNlJsR1IzbkF3d3dLSkpXZ3hNYS1kVDdqSERwZmx5UU9CZ0dVR2c0U09sa3BVQWpxRmZMUVFhWkt4LQ?oc=5) · CUTimes
- 2025-11-13 [Former Kansas Mayor, Credit Union Manager Sentenced for $750,000 Embezzlement Scheme - FEDagent](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWmoxRDk4YXdmaHBSQUhHRlFrRmRYa2RhVDVkUGVqUnN0Uk5zWDZueFVTdmdnRXVZM0g3VV8tV18yclZpOEpOSTZ1YUdvU09OU1BOaGpNNVRORl9sZmRmdl94SzZSOGt6UWZXOGFqRFFGWlpFNjNwRWU4WFlPVTAyb08tcUc5VmRsd2hNVWw3TWF0U01KbzFPQ2FaY3hnR0xoYVA5OTVTc28wajFuWW04eg?oc=5) · FEDagent
- 2023-09-11 [Prominent Kansas credit union advisor arraigned on federal embezzling charges - WIBW](https://news.google.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?oc=5) · WIBW
- 2023-09-11 [Kan. credit union advisor accused of embezzling from credit union - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE1KYzVpVjd6N2F5azE0RE5JaW5QWG1hMjRwb2wwWWtvRVFrZGdDX21uV1gxUXhEUF9qZXZZZDZSS2tQMWZQVXhNbTljdEhWWTVBLWVlOVhUVVIzWGxieURTcW1lQ0pNRkZVUElRRXVnZTZNZw?oc=5) · Hutch Post
- 2023-09-11 [Feds allege Atchison woman used credit union position to embezzle - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMingFBVV95cUxQdzZFRm5KQy1nODZPRnJ4UnNUVWJSaHJrZl9zSzNWV1VmblBzOURoeUN1dGFLNjFRRGhuT0htVWYxbzE0STRKM045R1NYN2NJdjNqWmp2NVZUNlN0WUY4RWRXejJKUDBxUWVraklKdTdoSDBMLVBZQ2EwbnFzUlZGSUgyaDBVeE40MGNlQmVvMDJHY05LTHB0dGtlWWdHUQ?oc=5) · KSHB 41 Kansas City

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63240 (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/8.json (key "63240", 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=63240
- 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