# GOETZ
ST JOSEPH, MO · NCUA charter 63606 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/goetz-63606

Who the members are: state charter, organized 1937. 13,407 members of 210,424 potential (6.4% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 478.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $90.9M |
| Members | 13,407 (0.9% YoY) |
| Full-time staff | 14 |
| Net worth | $13.9M |
| Net worth ratio | 15.2% (p72 of band) |
| ROA (annualized) | 0.91% (p63 of band) |
| Total delinquency | 0.58% (p48 of band) |
| Net charge-offs (annualized) | 0.27% (p52 of band) |
| Loans / shares | 69% (p64 of band) |
| Cash / assets | 37.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p71 of band) |
| Operating expense / assets | 4.82% (p85 of band) |
| Vehicles % of loans | 73% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 28% (p71 of band) |
| Vehicle delinquency | 0.51% (p47 of band) |
| Vehicle NCO | 0.24% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 5% |
| Average share balance | $3,382 |
| Participations bought / yr | $1.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.0M |
| Loans outstanding per 100 members | 478% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $825 |
| Loans granted, annualized | $23.4M |

## Participation posture (from the same filings)

Bought $1.2M and sold $0 in the latest annualized quarter; $2.0M outstanding purchased (14.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2013-07-17 [Woman charged with stealing nearly $20,000 from employer - FOX4KC.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQi1NMncyZ0FEZ0VFRF9qenZEd0MzcGcycDczSS1LTUh4QS15amVsUTkzYm9ORGJZaEdLQmdYMFVoeU9WM1o1WnZZTkNvSzVjcVJWQ0lTbHVral95VTFtTVNpZDN3Uk1lTTZ0UUZiZkVnd0o1OHlDRE92cUpTcW84Q0llSzA3UdIBiwFBVV95cUxNUVc0V3FHRGh6dHZnRUJyMG9rX3lLUWRyX2pXRE5IOU5ZbVRqSjhYUFpUT0JYNGFaMVFLUjJYVC1Ua3BrejhxNFdDcXo3cjQwa3FjczN0dXZyc1QtWDlnX2R6bXpVUHVqWkcyV3BnMlRraTl3MWFjYXpGM3FyU01odGNWbUZPaER3WFow?oc=5) · FOX4KC.com
- 2009-07-22 [One man may be involved in robberies - KRCG](https://news.google.com/rss/articles/CBMidEFVX3lxTFB2SlI0a3VBQ09rdW1oUG5iRGRiOFhHUEJjZVNiUV90MXppYmg4NjdraGpKdzBCVVFHLVAwZGU3SjM2eUhwakJldWsxODY3NjhKb1hlX2NsbFhqdTd4dDlORGNmcGZGUW9EYmtuWVlfWF94Y0xG?oc=5) · KRCG
- 2025-09-09 [Obituary information for Lela M. Bachman - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTFAyZW52T2dUNWItVE5qZTA3UkFrV3d0OXo3em1DcUE2LVcxTXU3Vm5zUkNSUHRhZUNzUjlnVW5jcE9WSW9Pdl83UlZQSzB3Y1pTUWVZeldLaDZxU3NZdm0wVkFyT3pqbnh0U0w4V1QxbTZUaExoLXc?oc=5) · Meierhoffer Funeral Home
- 2025-04-16 [Your bank might finally be available on Google Wallet now that 25 new partners have been added - Android Police](https://news.google.com/rss/articles/CBMieEFVX3lxTFBNRkJfRlZndHpTSVBvM3o5M2paQ1B4MzNVdktrWXJRUGhCMGd3MVFLQmlLMFgxZjgweHFrVy01Q1pnNkx6ZTdVYWVhb2dUMDlMYkdnZ0IzUnpQeHNmM2EwZjRBR0E2aUlnVDhHMmtyd1hLWkNtcV9mSA?oc=5) · Android Police
- 2021-02-26 ['A true blessing': Single mother of two receives car donation from Columbia Credit Union - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNSXNNLXdRbFpQcmRZbnBCaXZ1R09qT2hScktXYWhOOVJ2OGlqeEd1TnRkdjVCMGdzMklvMjRhUndZSlhhVll1Z0pmcnZ4eDJ1WFNydElKaV9uOFlKVGNLdTFaOWpWNS1jZVdPSWxMa0xkR1dpcmhpWmx4RVZrNlRtWko4enlzX01aR1kyWDlVLXMzWWxrRTlTR2tVMnNnSVRnSG9NNEdWZ1FwcXNvLW9wTmJOQ3p2MlFXaTN5bHBJME1PR3NXVTdtMVM0UnpSZHBJZ1E?oc=5) · Columbia Daily Tribune
- 2026-05-22 [Deeds of trust for May 22 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdE91LXNwQnZZWXNvNTNtUmRyYS14eVdMc0lrODZZOHFZSUhtcTJjdkF3b3NZbDF4N1N1WUlOeTNvWXlZdkItcnhtYjFUdzFXODk3OUJMZ3Qxd0V5UmppOUhYNkpwNG9xUmowVDBLYmw0Rlp5WVlMWGM3TW83bHdlaTNRWGpGbG5NMGJLRlc1TDUtSG9kRHc5TnVhUFB3a3phU2ZVTk0tOFdOY2FDNmFsOWNvUnVqSG14T195QVNPZUo1U29Vd0E?oc=5) · News-Press NOW
- 2021-02-21 [Obituary information for Linda Meier Bennett - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMifEFVX3lxTE1sRDdKQkIzbEhWcGVpY0lvamw0eDFFS0pJbndoOWxON1hBcnJNcEJEYVlEamd4bkgtNUI5Q0hMZnhIenhZMGZ1RFMwMVJQcVNsUkVlU1FGa1kxSmhCMHlsR0FqTDc1b2VmTWs2OXlsUEFDUkNNVEtIRGFVZE4?oc=5) · Meierhoffer Funeral Home
- 2016-11-17 [Obituary information for Jacob "Jake" Clayton - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE82QmR4dlRPdmtscFZXa0RaUDFzalFWZ0JISkdpVGtXSkV3Si1mdTRtOTFuYnM1N25pbGFFWHRfd0JQcEJZc1dnUm4weXQ5dm4tWVEyS3BVMnd5aWZlOVBHbjA0YWhMbk5uMHNvRzlCYWNOUjJNWFlvaDFR?oc=5) · Meierhoffer Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63606 (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/54.json (key "63606", 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=63606
- 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