# KANSAS CITY
KANSAS CITY, MO · NCUA charter 63388 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kansas-city-63388

Who the members are: state charter, organized 1940, low-income designated, minority depository institution. 5,051 members of 1,113,885 potential (0.5% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $47.7M |
| Members | 5,051 (-3.9% YoY) |
| Full-time staff | 12 |
| Net worth | $4.0M |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | 0.85% (p63 of band) |
| Total delinquency | 2.28% (p81 of band) |
| Net charge-offs (annualized) | 0.11% (p59 of band) |
| Loans / shares | 76% (p77 of band) |
| Cash / assets | 27.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p52 of band) |
| Operating expense / assets | 5.97% (p89 of band) |
| Vehicles % of loans | 16% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 32% (p93 of band) |
| Vehicle delinquency | 0.12% (p37 of band) |
| Vehicle NCO | 1.34% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 111% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 13% |
| Average share balance | $4,405 |
| Participations bought / yr | $947,312 |
| Participations sold / yr | $0 |
| Participations outstanding | $309,821 |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,922 |
| Loans granted, annualized | $3.1M |

## Participation posture (from the same filings)

Bought $947,312 and sold $0 in the latest annualized quarter; $309,821 outstanding purchased (7.8% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 5 | net worth falling, losing money, auto monoline |  |
| 2018-06 | 3 |  | net worth falling, losing money |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 5 | delinquency rising, repo signal, 3rd-party paper>100% NW | net worth falling |
| 2019-12 | 4 | members leaving | auto monoline, 3rd-party paper>100% NW |
| 2020-03 | 5 | net worth falling |  |
| 2020-06 | 7 | losing money, margin squeeze, 3rd-party paper>100% NW | delinquency rising |
| 2020-09 | 6 |  | members leaving |
| 2020-12 | 5 |  | losing money |
| 2021-03 | 5 | losing money | repo signal |
| 2021-06 | 1 |  | net worth falling, margin squeeze, 3rd-party paper>100% NW, losing money |
| 2021-09 | 2 | thin capital |  |
| 2021-12 | 4 | net worth falling, delinquency rising |  |
| 2022-03 | 5 | losing money, 3rd-party paper>100% NW | delinquency rising |
| 2022-06 | 4 |  | 3rd-party paper>100% NW |
| 2022-09 | 3 |  | losing money |
| 2022-12 | 4 | loans>95% of shares, leaning on borrowings | net worth falling |
| 2023-03 | 6 | losing money, members leaving |  |
| 2023-06 | 7 | delinquency rising |  |
| 2023-09 | 7 | delinquency 2x band | losing money |
| 2023-12 | 6 | assets shrinking | loans>95% of shares, leaning on borrowings |
| 2024-03 | 8 | losing money, loan book shrinking |  |
| 2024-06 | 12 | capital below 7%, net worth falling, charge-offs p90 |  |
| 2024-09 | 9 | repo signal | members leaving, capital below 7%, net worth falling |
| 2024-12 | 9 | members leaving | delinquency rising |
| 2025-03 | 8 |  | charge-offs p90 |
| 2025-06 | 6 | delinquency rising | expense trap, losing money, repo signal |
| 2025-09 | 7 | charge-offs p90, repo signal | delinquency rising |
| 2025-12 | 7 | delinquency rising | assets shrinking |
| 2026-03 | 4 |  | charge-offs p90, repo signal, delinquency rising |

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

- 2026-09-02 [CommunityAmerica absorbs local credit union put into conservatorship - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQV01ZNms1Y1A4UHZrY21jazU3VXZ1Mk8wMVJyTHQ1NEVWR2gyU2RNaTFQUFItZmlPcXdvNlpjN2hzVWgxUHh2ejAwU0FqRWFSQkVsNWdCNHFZRHFNa1R6UjhFT3gzNnZZdEdHQXpYSnVhQzVaeWhCczFtbF9iaERPSDdVa2ZzTG5YS0hPNUd6bmphTm1ybmZIaEtZX2JVYWQyUHBVaXZ0R28?oc=5) · The Business Journals
- 2026-02-04 [These Kansas City students run a credit union from inside their high school. Yes, with real money - KCUR](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWTZxNjJFRkM5Qnh6OXN5QkpNaXFjVk1lZFUxeE5mY2tWLTdsSXFlVzduU0lOSTRkd2QzTHNqOEhUcVFGUWJUakZNQzVsbm1yVzdVbmUxenFaSUpmOHJ0SW1lUFVpb1RiRE1reVZFc2s3ODhLTUhnd3h2V0xKQVYyQkQtaWFJYXZiS3pRcmFYbw?oc=5) · KCUR
- 2026-07-20 [NCUA places Kansas City federal credit union into conservatorship - jdsupra.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZUt2SmNCZDZsdlp5Rk9waC0tV2VMd2VUOG5lbk4zaV9pTENnNVRWREM5Wi04WGtEZ1k1YTR4T1BGS3c5Q2R5bjBoUlZUTWZRZGdMeVBJYVI2ZFJQcG02RkhGM3ZVT0VuQzlNZWJnZDNzWVRnRVZhYnRGRW5UYWdoNDJuMEdGUVhl?oc=5) · jdsupra.com
- 2026-06-01 [Holy Rosary Credit Union announces leadership transition; Marquita Joshua named president effective June 1 - CUInsight](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPNklZRW1LZlM2Ym1LU3B5T2g1RzZBNHRIdjJhbm5KNXhJUEgxT2xCekRaS2w3c0JGYjdmdjBCd3BuandWRmdKM0t0QkN4ck5wWkJPMXJpY3NLQUFIUmM1OU8wdDRGdjN3TkktSF9XUzVOWlR6TF9JYWdFb2owU3doNVVtSVhuaEZNeG9RWHZrbXB2Qi1FQjhFc1JDcEc1aDdWdW1ZYU5pNnZ0TkhNdEpCVXFieUprbkc2ai1yMExfem45dm1SRjJ3RUFyUkRKYkp0am1rYkpOWExVYUhRUUxj?oc=5) · CUInsight
- 2026-07-10 [NCUA Conserves Missouri's WeDevelopment Federal Credit Union - CUTimes](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSWRESDhpZWg0SDhFZWZCaDNnM2F3UW5ycEZxdDFISDczUXNhZ0cwQVpfcDBOalpLV1FXLUpodkJBeHFETnl4OG4xV3pucUtSTDhmMVowcHBtR01nam1rSXJuaEk0NmQ1eW96N1ZBYzBlMXJRcEJxb01FMzEwVklmcGFtZlMtSG01QmlLVFZWSzQtSlA4VVF0c3ZyTQ?oc=5) · CUTimes
- 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
- 2025-08-12 [Kansas City Athletics Announces Mazuma Credit Union as Presenting Sponsor of Roos Soccer - kcroos.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYWtyTXo0VWVSUjFNdXY3U3JteW5yc0FRNENvakpXUmRkUnBzdi1MTU9wVDAwaldKMWdmbTZNXzhsSXNqWFNRWDZ4UkRiY0wwckxELW04TlJTQnh6MmtwMDdWaHo2QWdtdC1YUThCdGdJdjAyUjdGdnQtSGpjSXpCcldLaHVxTGVqOHVSOHhyZVNfV1pleVlYY2F3NDBIV09ZQzQyamxULS1mMmNjMkRjTDBxS0ZLblE5WUt0cDVKTmRSaHFSWFlFMExtSHBZWjQ?oc=5) · kcroos.com
- 2021-04-21 [Small Kansas City credit union to merge into CommunityAmerica - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxNZ2dGQTBuY0hfWlJfb2xsOU1fZndzMXZDRDh2NFRNbVVyU3pCUG5FVWFseXNETXJTMlZrNjB3X2gzSm04S0N1dTQ5OTVsRHpualNkU3ZNZi02Z3FQeWtWRGNObGFkUE9kVnJndUJoNklKcThZSUU3VUlDcHY4Z2IzSGhtWW4tRHlzVEZubnZwSEZibXJkTWUwYW5yTVFTMm9zZDRhMm05dVRLMEdNa3lV?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63388 (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/28.json (key "63388", 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=63388
- 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