# DE SOTO MO PAC
De Soto, MO · NCUA charter 63507 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/de-soto-mo-pac-63507

Who the members are: state charter, organized 1939, low-income designated. 1,758 members of 10,000 potential (17.6% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *auto monoline*. 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 | $30.1M |
| Members | 1,758 (4.2% YoY) |
| Full-time staff | 5 |
| Net worth | $2.9M |
| Net worth ratio | 9.7% (p15 of band) |
| ROA (annualized) | 0.60% (p51 of band) |
| Total delinquency | 0.79% (p56 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 75% (p73 of band) |
| Cash / assets | 31.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.36% (p7 of band) |
| Operating expense / assets | 2.08% (p12 of band) |
| Vehicles % of loans | 75% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.92% (p63 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 46% |
| Average share balance | $9,289 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $15,807 |
| Loans granted, annualized | $9.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 1 |  | delinquency rising, delinquency 2x band |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 1 |  | assets shrinking, delinquency rising |
| 2023-12 | 3 | assets shrinking, loans>95% of shares |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 | net worth falling | loans>95% of shares |
| 2024-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2024-12 | 2 |  | delinquency rising, loans>95% of shares |
| 2025-03 | 3 | margin squeeze |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling, delinquency rising | margin squeeze |

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

- 2025-09-10 [Big credit union to pay $500K for UMSL partnership - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaV8xSUlhNXBqUzJsdUhJSGdwZXI1VWljbWlOUjFHSUFlNkZDUS1XbEhqbjF1YXFZYXhIbnA4S05XeFFsTHJFTF9PSzk5MjRqWC1wc0Z5WXBwbXNLSlJJSmE2REpkbnN5QWp4dmtCM2JiRzBYMVZDZ1pWLUdaMWdKMi1uc21CbXN4YzV3SUZxWGZYbmpOSDJnZW5DYUk5UkhrNmV0aVhKMHc?oc=5) · The Business Journals
- 2022-01-21 [John W. “Gebe” Kite, 73, Festus - myleaderpaper.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQamY5VzFlX2tpWmFXRm4zU25RXzVRTkdsMDhUbkZWUDdPRnl4VWVEVEl0TXhRTTRfTC01S2Y0cDM3cndaLUpaemFsUlVFQkxFS3VBc0ZROUZlYlJxTFFQLU1HVWg2YjdnS2RGZUVzUW90UFF6dkhrOUd2WG1mc3lRSUxUaTR1akxyR2UtZVlNVm9jeDJyX05mcUxlOFB2TktRaU5ucmROSVZrUElBbldJLV9oLUVRUEZD?oc=5) · myleaderpaper.com
- 2025-09-23 [Credit union with big St. Louis presence to merge with Texas-based financial firm - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNFVBTklWVVdELVg4TGh6enBxbFNqemRhT2RLODdMMzZwWFJDUXRTVHEzUDg1anl3ZUZjQnNNUVVFeDZPcjdNbkJEMFlDeDJRN21zczZJejZibGhGaVJNLU5aUjA4aWVHeUpHRWhWUU5TMUJaNEZNY08tQVl2Z2pKVHdiQ3hiWDRrYmJKc2M5c3lkeDZiQ0FnTGRhLXB1OWs0NFRVNUJR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63507 (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/19.json (key "63507", 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=63507
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide