# VOLT
Springfield, MO · NCUA charter 63389 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/volt-63389

Who the members are: state charter, organized 1935, low-income designated. 7,042 members of 838,373 potential (0.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 739.

**Verdict on the desk:** this could be *too clean*. 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 | $84.2M |
| Members | 7,042 (3.0% YoY) |
| Full-time staff | 25 |
| Net worth | $7.3M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | -1.50% (p2 of band) |
| Total delinquency | 0.12% (p14 of band) |
| Net charge-offs (annualized) | 0.80% (p84 of band) |
| Loans / shares | 79% (p81 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 2.38% |
| Net interest margin | 4.03% (p70 of band) |
| Operating expense / assets | 5.73% (p93 of band) |
| Vehicles % of loans | 40% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 46% (p75 of band) |
| Vehicle delinquency | 0.23% (p27 of band) |
| Vehicle NCO | 1.66% (p91 of band) |
| Repossessed % of vehicle book | 0.07% (p82 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 15% |
| Average share balance | $6,044 |
| Participations bought / yr | $7.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.0M |
| Loans outstanding per 100 members | 739% |
| Loans granted per 100 members, annualized | 178% |
| Average loan balance | $1,127 |
| Loans granted, annualized | $33.5M |

## Participation posture (from the same filings)

Bought $7.9M and sold $0 in the latest annualized quarter; $9.0M outstanding purchased (123.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | thin capital, net worth falling, auto monoline |  |
| 2017-06 | 0 |  | thin capital, net worth falling, auto monoline |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 3 | auto monoline |  |
| 2018-06 | 2 | delinquency 2x band | members leaving, auto monoline |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, 3rd-party paper>100% NW, auto monoline |  |
| 2020-06 | 4 | thin capital |  |
| 2020-09 | 6 | margin squeeze, delinquency rising |  |
| 2020-12 | 4 |  | margin squeeze, delinquency rising |
| 2021-03 | 5 | margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 3 |  | members leaving |
| 2022-03 | 4 | net worth falling, delinquency rising | auto monoline |
| 2022-06 | 3 | members leaving | net worth falling, delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | losing money, members leaving | delinquency rising |
| 2024-06 | 6 | delinquency rising, assets shrinking | losing money |
| 2024-09 | 3 |  | thin capital, members leaving, delinquency rising |
| 2024-12 | 4 | delinquency rising, members leaving | assets shrinking |
| 2025-03 | 3 | losing money, expense trap, assets shrinking | 3rd-party paper>100% NW, leaning on borrowings, delinquency rising, members leaving |
| 2025-06 | 2 |  | expense trap |
| 2025-09 | 2 | thin capital | assets shrinking |
| 2025-12 | 2 | assets shrinking | thin capital |
| 2026-03 | 3 | thin capital, expense trap | assets shrinking |

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

- 2023-01-30 [Volt Credit Union to open branch at Hillcrest - Springfield Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWUFTNE5odXZPbmFsX0hxVXRfQnJnbzExNU9wQm4xdElhS2g0YVd2d3Q4ZFI5ZEV6ZzhqWDI3aHkzR2Y3b2hyV0R1dzJuNmh3Tk96RTVzLUNDRkpkSERNZEU4X2FKRzhzYVAxcGhYTWpfb3NZQlRXOHQ4dFgtVllnZg?oc=5) · Springfield Business Journal
- 2020-08-26 [TruHome signs 7 new credit union partnerships - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOck9FYTAzUTZ0Y2NPemtBUlc2REFJb3p0cjJVQzRSU2FoNGdDOWZyX2VSNmZjSnR6ems5UkFQcmpTNGFoanR4TTBOR3NqcktXaFhfMXZIUE0wQnlUdnhmLTVJNlZZZlBraFY5dDRpWTQ5RlIza01sMXJKOWxIXzhhWmMxcWZlYXpuVXhzUGxYSUdrWkhRVjRMcTF3?oc=5) · American Banker
- 2023-10-15 [2023 Most Influential Women: Jacqueline Post - Springfield Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE40Zk1CSVJwOUJTMUM1QnFJVUM3dGg5OWxmdVBmendXOWNWUDlQZmRPUERJZ2F2MGd1WUNPNHVfX3NBd01CVU5WT05FbTNzalBPdzN1ZC1nSUxwdmM2SFNHbGNXNGgxai1JaTJVTng3Mkt5VHNiTEkwOURJMURtQQ?oc=5) · Springfield Business Journal
- 2021-06-16 [The Victim Center opens the doors to its new, larger downtown facility - Springfield News-Leader](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQeXd0MkF2bmp5LXFfazh1UW9sWXF5WlUtVHZyOEU3QUVRX25NcGxKTnB1aXpUTDZYNmtBNV9PVWlBbF9nbDlRRnc5Mm5nVkRUZlNWRGdpYW5uLXNRcTBRYzJhNTJneDFvcnpUTmhQVXd3RHBQUnE5a09jUmdVMTNveWJBUGFlUC1VNldEZWE2c3FNQWczeThSU180QWdHcU9TWnZ2UHpjeDU5S0pGdUNxYlJaTUtLM0dNd0doSmRlOHBUM0hGc2lQUy1TUXgyTVp1UzlnTmhST01nVmZLaU02SF9iQ05JSFRhS2RaZlBxNFl6eDNzQ2Rkc1RR?oc=5) · Springfield News-Leader
- 2023-10-13 [Volt taps credit union veteran as next CEO - Springfield Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE1RVVBlX0VCUk5tMzFuQ1RtQXhaZ2tMejExVWtzWEV0d054aFhMNGFRMlpyQXVld2RHa09GUElHLTZiVzBwZzFFdE02eDlvVEphc09zTjRVRU94UUE1cTVoR3dyVF96elg5aWp4NTJPaUIxaUQ0MHJ6dlRVMUQ?oc=5) · Springfield Business Journal
- 2019-01-11 [CU Community Credit Union changes name - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE0tWG1LR29HcHhldnpyeE1TSkwxdkpzaW9JQTJmS0I5R2NPRS1xTlZheVIxdUlIbVF0cFlaNGpLVGdnU3BxNG0xRGNRRXZzcS1yaDJneXUyNFFvOVFOZXVwUjAxTXVFQ216WExhdTJBV0hKdElKb3A0?oc=5) · Springfield Business Journal
- 2019-11-04 [Design Team of the Year Finalist: Volt Credit Union - Springfield Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZUdnTUh6VnQ2elVSSWw1WmlpRm94NjBxVmlyWVpvMXBlT1R0V3pzMXAweXZGdUFiOWI0U3p3NWVkbjRUQmdXbnlUcDRMSWp2dmtaNFJRMkNtODFnaGpMVmhPcEVUamFrWm0za21lQnl2MkIzaXBBYjN1N1Vyby1FdV8xVTd5UzQ?oc=5) · Springfield Business Journal
- 2019-09-23 [Volt Credit Union: Relaxed Family Dynamic Promotes Growth - Springfield Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQTmtJcnd1eXJ2dmlCOFZLR052OXExRWRnNlVCRS1UczI0YWNhS21jYjFjRWVDTVhOYk9YZEFmbWRnN0hlNUxxcy1ES2dJejV1czdvZEktcFJ2MnVVNFpqeVZ5WHdnLVhjUUdFQS1PQnFTZVcyZjJua3V6N2tQeVNRbThsN2NVMEJEWHdPOWxfSQ?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63389 (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/29.json (key "63389", 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=63389
- 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