# BAYER
KANSAS CITY, MO · NCUA charter 63333 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/bayer-63333

Who the members are: state charter, organized 1975. 1,894 members of 2,800 potential (67.6% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 137.

**Verdict on the desk:** this could be *too clean*. 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 | $7.6M |
| Members | 1,894 (31.4% YoY) |
| Full-time staff | 2 |
| Net worth | $229,837 |
| Net worth ratio | 3.0% (p0 of band) |
| ROA (annualized) | -3.82% (p1 of band) |
| Total delinquency | 0.11% (p29 of band) |
| Net charge-offs (annualized) | 0.62% (p86 of band) |
| Loans / shares | 39% (p32 of band) |
| Cash / assets | 60.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.04% (p30 of band) |
| Operating expense / assets | 6.63% (p97 of band) |
| Vehicles % of loans | 76% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 357% (p99 of band) |
| Vehicle delinquency | 0.03% (p37 of band) |
| Vehicle NCO | 0.09% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 2% |
| Average share balance | $3,751 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 137% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $1,075 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## 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 | 2 |  | thin capital, net worth falling |
| 2017-03 | 5 | thin capital, delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 6 | delinquency 2x band, delinquency rising, members leaving | thin capital |
| 2018-03 | 5 | thin capital | delinquency rising, members leaving |
| 2018-06 | 7 | net worth falling, delinquency rising |  |
| 2018-09 | 4 |  | assets shrinking, delinquency 2x band, net worth falling |
| 2018-12 | 2 | delinquency 2x band | losing money, thin capital, delinquency rising |
| 2019-03 | 4 | thin capital, losing money |  |
| 2019-06 | 5 | net worth falling |  |
| 2019-09 | 3 |  | delinquency 2x band, net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | delinquency 2x band |  |
| 2020-06 | 8 | capital below 7%, net worth falling, charge-offs p90, loan book shrinking | delinquency 2x band |
| 2020-09 | 8 | margin squeeze | net worth falling |
| 2020-12 | 4 |  | capital below 7%, charge-offs p90, loan book shrinking |
| 2021-03 | 8 | capital below 7%, loan book shrinking, 3rd-party paper>100% NW |  |
| 2021-06 | 8 | net worth falling, assets shrinking | margin squeeze, loan book shrinking |
| 2021-09 | 8 | margin squeeze, members leaving | net worth falling, assets shrinking |
| 2021-12 | 8 |  |  |
| 2022-03 | 10 | net worth falling, charge-offs p90, loan book shrinking | margin squeeze |
| 2022-06 | 9 |  | charge-offs p90 |
| 2022-09 | 10 | expense trap, delinquency rising | members leaving |

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

- 2026-01-16 [Supreme Court will review Monsanto’s bid for immunity in Roundup lawsuits - The Washington Post](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMGlKUXJ6YW1OZUlBYUpGZFg1M2RHNnRLQm9Ic1IwS25XMmdTcHFhRTJURXJ3WDZNSmFuSEhLU3U3UmxlTlR5N0tLdHdsMmhaWTIwSlcwck5EUzdRaWkyaVdaZnBkMWU2VWxGbWpPa2J3Q3RUNldLYUhOUFZFUVJqOFJfUlBoTmwzenN0R05BS25JQkRCOWFDb0h6eDRIaFNWYUVmbEdZdTgtLUhiWlZZ?oc=5) · The Washington Post
- 2023-10-18 [The 12 best 6-month CD rates right now - CBS News](https://news.google.com/rss/articles/CBMic0FVX3lxTE1MbjNmblZOZ2drWVBTeERjbnFlUHVIOE5LWlJ1dDNucjlicTljbFBuYjVnZXNVUlFGSi1ReVdOWXVKTG9jQ0VDY2pxd1ExNWlJeUhIclFKRW5qaFFGUnQ0MUQ3aXI0VWd0Z0FuejRkenl2ZXM?oc=5) · CBS News
- 2023-11-10 [Top CD Rates Nov. 10, 2023: Only One Nationwide Offer Left Over 6% APY - Investopedia](https://news.google.com/rss/articles/CBMingFBVV95cUxPOVNGRXg5WUllN2JSVU04RmNRRWV6MEwweElrQmZqVDhwa3IyVENhN3ltc2pVTWEtMVRTZEluTHVuUTNTSm1NZE9MSlcwLS1GaGdKeGFjMmJRTGdJTmdtRTlrdlRWR2RLRGpTQUc2TzhlRWVLMm5HQmliT3dpeHBzbVU1Z1RrYXJlLVgzZGRqWGd1TFAtMGFtTHdjMW9qUQ?oc=5) · Investopedia
- 2018-10-04 [Jennifer Paul Obituary - Gladstone, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWXZ2blBSRGlYZV8zWXNiQUNNVnFfTTdXdFpXdzJ6ekM4OW1HSmdaUkt6ZmZiOXhCY1RNUTdoWmpWbF80MGFFODViMVVSR290dzhPc3NXQ0tqaFlfNFpSRkFNUmhJbVdYNi1KVDRyd0h6Z3dFYWZYSEdwTWw1QWxKdTFDbw?oc=5) · Dignity Memorial
- 2012-01-20 [Platinum Platypus gets down to business - Long Island Business News](https://news.google.com/rss/articles/CBMid0FVX3lxTE5WSVhzd3lsVURLYlJhekdrRTNJRmdoZmt6Z0VoMWNUeXV6bU5kSS1sLWtSQVVGTUVkTVFndkxJNTdoTTg5TG45MmZQOWFjbVV5cUZRWksxUWVma2pUWXV6ajM3YlpsbVk0WTNxTHVxOTZXWUI2WU5z?oc=5) · Long Island Business News
- 2022-05-19 [Best 3-Month CD Rates for September 2026: Quick Deals Up to 5.00% - Investopedia](https://news.google.com/rss/articles/CBMiakFVX3lxTFBua0lmeGNTcFhqNG9zQlFSSktrdTduRDNiVHo5UXBPVTlPeVhGTHZCLXRIU00xTWhTZFMwSVF5amhBc0d6aGZ5VF9PVm5RdHlEVlV0aWhINUN2VEgtRG5QcVY5aDBsS0prSGc?oc=5) · Investopedia
- 2015-04-27 [Bayer One-A-Day WeightSmart Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQTXl4U0llSzE4bi0wVjBpcmlDNEI0V0xKRVVNNWJuQURyQnZja1pzcVFDY2wtc29lLVJESk9mUWduUldBelBtem1pdEowaWdfSF9PSU96NzdZbTFTRmdNaWw0Sm82QnRpbnBpOXJHX2Fud2RrZXpIbHVEZXBHeWpWZi1kem5VVG56RDlrUmJjN1lxZnU1N3gtNy04aDQtTDlDWXQ2QjlsblBWU1dVVG5ON1Y2UGNOa2plVFh3?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63333 (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/37.json (key "63333", 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=63333
- 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