# MIDWEST
Florissant, MO · NCUA charter 63835 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/midwest-63835

Who the members are: state charter, organized 1941. 2,343 members of 8,000 potential (29.3% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.3M |
| Members | 2,343 (-7.8% YoY) |
| Full-time staff | 4 |
| Net worth | $1.1M |
| Net worth ratio | 10.9% (p37 of band) |
| ROA (annualized) | -27.64% (p0 of band) |
| Total delinquency | 0.80% (p53 of band) |
| Net charge-offs (annualized) | 2.11% (p93 of band) |
| Loans / shares | 40% (p26 of band) |
| Cash / assets | 35.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | -1.01% (p0 of band) |
| Operating expense / assets | 28.08% (p100 of band) |
| Vehicles % of loans | 82% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 94% (p96 of band) |
| Vehicle delinquency | 0.94% (p65 of band) |
| Vehicle NCO | 2.65% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 2% |
| Average share balance | $2,500 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $4,820 |
| Loans granted, annualized | $585,772 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | 3rd-party paper>100% NW |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | delinquency 2x band |  |
| 2017-03 | 7 | charge-offs p90, assets shrinking, members leaving, loan book shrinking | delinquency 2x band |
| 2017-06 | 7 |  |  |
| 2017-09 | 6 |  | assets shrinking |
| 2017-12 | 6 |  |  |
| 2018-03 | 8 | margin squeeze, assets shrinking |  |

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

- 2026-08-05 [Midwest Members Credit Union Male Athlete Of The Month: Owen Timmins Highlights Leadership and Resilience Behind Hockey Rise - RiverBender.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQV9Vd1U5d2pENHE5WlkyWXhTSTJJeVdkZkM2UGVqU0IwTUZnWWpBck13UEk0WkxGeXdTU0lIa002QlRoYW5palR4eVFXUVdHWGJHT1JPYlNEYjg4ODEyYVFLcklmLVF5cE9INkVvWXotSFZFcU1mU28yVnB3bTZid3ByU3FmQXJ6dEJJZnRBRlBPRWdLUHJNd3pzVS1RSjF0bnVFTzAwWjZrdw?oc=5) · RiverBender.com
- 2025-11-29 [FRIDAY BOYS BASKETBALL: CM can't hold lead, loses to Carbondale - Alton Telegraph](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYTYtLWJLTmhncExiY0dXcFo4LWlzX19lM1Y5Z0pVeUxwX1RzM0VBQ3U2S3ViNG80Y0txVGE3WEF0cHBXaUdKeUpHaHVTQlQwNENSX1RweUV3WmNLTHpWNTk5OTlhdjhYeGswbGNhWVh5N1lyVk9aSEd6OEExaGtqb1dUcklzNFRVaGZPdE81eWdVQ1R2V2ptXzZmSGRTMUtiQlFpRlRBRQ?oc=5) · Alton Telegraph
- 2023-11-08 [Money magazine names Veridian among best banks, credit unions in Midwest - Corridor Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOc2ZyWFBUV0p4SEd5OEZGTENfR0pHUjRjZURyVC1mdEdUWlBXMVNySk54N0wxa0t0Wm9OYUxWcThkODU1clhhSzVQZlMzYTB5YVFQMjEtNmhJaEZycXhGVzVzdHJORzJYSnlGdE45OUZGVkNNZ0NBR05LQ3BaUnRKaWVBZTBJRDcwb0w5N2JuYkc3NUpmeHUwS3Vyb1Vla0hhX2JR?oc=5) · Corridor Business Journal
- 2023-11-03 [Alex Fennoy joins St. Louis Community Credit Union as SVP - St. Louis American](https://news.google.com/rss/articles/CBMiswFBVV95cUxNWnoxZmJaZ3ZsYlFWOE5Ha3NLYTRxSDFWbGxXdEhIeEZUSnZHeTNFZk5EdFc1am5WTHVnYWJseExoNEw1dlJ1Ulc5OGZGMjBZUDgzTEk5X2VlaC1VSmNoMTNiemwtUFZnUlVOQlJ1cnJfSEg3a2pDMnU5UGpzNlJYWmVCWC1xVGlaYmE4a3dpWGFSbkw4NkFhZ0xlbDhob1Nsb0ZmT0lGQmQ4b3JjMmpoRFJVMA?oc=5) · St. Louis American
- 2026-06-15 [Stillwater Senior Living Female Athlete Of The Month: Katie Gartner Was Outstanding Goalkeeper For Granite City's Girls Soccer Team - RiverBender.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxNTGhheDB2LVFIMEJBdnRxVHRvdHZjZzJzM3Z2cWdYRlhKQ0dOaGpRUWZxUjhNTVRzN2JYM09QVkdBREhTSjJmUlBBM0ZJOTdPdUFvZThMNTJWb2hEMFpDdmwwQ0pMdHBoOWRGYzdLajhIZktsVk5ucTJWck5ET21MVlZfOTNuUkZITFZPVEdSZlpFczY3cS13MkYtdlJQZFhUT0hDenZ2ZzZ6RGIxaEJhTHdlTnhPTlpxb2ljODVZU1ZzV1JYNzRSQ05haUw3QUktVUpBQnV3SW44Q2F3NWFGbW43YXpkOTE0LS1Jcjh3dV9VckNWaW1ZUWEyOEhnUTdxeFp5WjRNT1FsQQ?oc=5) · RiverBender.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2025-06-17 [Credit Unions See Big Drop in Branch Numbers - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdDN1SVBiVVVUdlVncnRNa0ktcFlCY040ZUU5eFpFelVNcXVkR3BTMWFNNERoMm5VdE1HS1NtdUZ5WTdJSXAxXzNTaXVOQVUtdC1RYXBoWG5hRnloSmVWejYxaU41T0hmNWtMNnh4VmgzYkJvRHQyTklOaWFzNFFPMk5xWi1XVXM?oc=5) · CUTimes
- 2023-07-10 [‘ChiefsAholic’ arrested in California; accused of bank robberies, money laundering - FOX4KC.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTTQ5aTRSUGsxRUJjSFRsam5Ha2Y1dl9vVnpzN0g4QTJveXVNU0lzUHUzVUhYNHBES3NOZE02LWVPaFAtVDFNVWs4aWFKOU4xR2pseDlVWlo2Mi1xMVB4Y0xzVGdJcmk4TFlBWU9HeE9vb2dQZnZlbk5qQTZscjktMVBCckRZYXBrS0Fxa3pUWlFoUldfaEdTOGN2THdOR3U4U1BNVjJn0gGrAUFVX3lxTFBRZWhKRzRUelg4Wkx6c0xFdTBVbV9SajJwVU1aM1ZWTHdHRjFoWHdTdVJkZjFTTFJvaFUzV2QtaEZBU2xYVFZWVGlzRUdSQzBQeEF1enRRMUhDNkZ1VXFnem92YWFsVGk4aUFaNzRNY3AxSmlFTnRsNGplTXBrcXBqcWF4Rmo3VGQ0TjBwYTMwS1loamtWMUQyTi1CakhwVGt0WW1BQTIwZF9Hbw?oc=5) · FOX4KC.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63835 (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/27.json (key "63835", 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=63835
- 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