# INFUZE
Fort Leonard Wo, MO · NCUA charter 63996 · asset band $200-500M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/infuze-63996

Who the members are: state charter, organized 1954, low-income designated. 34,147 members of 265,000 potential (12.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 158.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $413.0M |
| Members | 34,147 (5.3% YoY) |
| Full-time staff | 110 |
| Net worth | $41.4M |
| Net worth ratio | 10.0% (p34 of band) |
| ROA (annualized) | 1.03% (p78 of band) |
| Total delinquency | 0.58% (p51 of band) |
| Net charge-offs (annualized) | 1.13% (p92 of band) |
| Loans / shares | 85% (p78 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 1.21% |
| Net interest margin | 4.07% (p86 of band) |
| Operating expense / assets | 4.01% (p70 of band) |
| Vehicles % of loans | 44% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 179% (p74 of band) |
| Vehicle delinquency | 0.80% (p67 of band) |
| Vehicle NCO | 1.48% (p84 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 32% |
| Average share balance | $5,690 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 158% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $5,745 |
| Loans granted, annualized | $112.8M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | auto monoline |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, losing money |  |
| 2019-06 | 2 |  | net worth falling, losing money |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | thin capital, net worth falling |  |
| 2020-03 | 5 | losing money, charge-offs p90 | net worth falling |
| 2020-06 | 3 |  | auto monoline, losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | charge-offs p90 |
| 2021-06 | 3 | charge-offs p90 | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 1 |  | thin capital, charge-offs p90 |
| 2023-03 | 2 | expense trap |  |
| 2023-06 | 1 |  | expense trap |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | repo signal |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 1 |  | delinquency rising, repo signal, charge-offs p90 |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 | repo signal | delinquency rising |
| 2025-03 | 2 | charge-offs p90 | repo signal |

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

- 2015-10-12 [Mid Missouri Credit Union To Introduce New Name - cutoday.info](https://news.google.com/rss/articles/CBMijAFBVV95cUxPLUl3ek81VXhTaC1qYUtTMEhzcVhIR1FHM2Q2dWI5ZTJrQVNDNHY5TllydV82ZGdVT2dISXpoalFRRjN3b2VyQXZNM0g2c2VIY1NWME5mTkQ0Y1hXcnNGeGZWS0xoYjdFV1U4Rm5wRnJycVhkeHVTZmlBcnBWSzlvbDRCdm0zSkJkOGJkOA?oc=5) · cutoday.info
- 2016-07-06 [Hammons Field hosts FLW Appreciation Day - army.mil](https://news.google.com/rss/articles/CBMiggFBVV95cUxNU3VVZnNvWFA4ZVFtTVEzaVlQMVdQbjFCMzdVZmhERkE3djdBbTRmMkdHVVdyVmVTUTFlYU0yZXdIY0thdGNPUENUa3FmdkhncXRnMndmMzBvVUUyZmhDUUN0b0FIczBsLVM0WHNLa0tzV0hxOGRyXzZIN0JNdHdGSW1R0gGHAUFVX3lxTFB5VGhkTmVJRjY1NGFHVzVMcE9EeHZqQWlTX2RoSE1rRlZ0ZmVVMTl6UEtjRl9MWnRiR0RLR3o4bnlBWjRwRGs2d2Y5UnRORHlDSDFURUxYbDI0TVN4MVRIOUdhLXZQQTAwZ0JNY1hTbi1WM1U0akFMMERMREZmalQ0bGVlNkNfQQ?oc=5) · army.mil
- 2026-03-14 [Springfield Cardinals release 2026 Promotional Schedule - MLB.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVndfSnpBNHo5TGNJTkNqRWNZaTlyMDhWNWNxcG5rZ0ZGc2U1RWEycUliUzZkV2J5Wll1ZFJWUHU2UGdPX190cGNzQkVFX2I1WDFBSUp2ZDUwbGRBaGNXT0VEbHVKeVpwNnRJZnFaLXc4QW1WM0llVEVnRjEybUdESHpJdk5yZ0MzbmQ4TWFwa3FuRlVxeDdHazVqVkZNYjd3bzctRnZBSVBLSnlu?oc=5) · MLB.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2024-12-31 [Tracy Lynn McCORD Obituary (2024) - Lebanon, MO - Shadel's Colonial Chapel - Lebanon - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOanpBcW1qcnBsaVc2TlZOa04xaC11d05iYXZIMGRwWU9MMUhsLVo5QVNtSXV0cWhRUGpfUHJsT05fcTBXblktNGljVEZaYUtmYWRIN2djMlE4SFIyQW1ETWQ5SnR1NlJQS2g1WVlfRkpKSEMtUkZhVTc0RVdkNWVKOQ?oc=5) · legacy.com
- 2020-10-04 [Public record for Saturday, Oct. 3 - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMie0FVX3lxTE9nTFVVOVNvMWQ0TDEzWW1iXzZXREhtclFVZXNabkJxYlVhQ2tFa1cyN2d5MmY2NTVKa0VFOC1pdUMwNjNrS3JqSk5PWXFIMGt1MWZCbnlWeGNoeVFEOWttOXJWNFJ3LTk3ZzUtT3p3ZkJaUmk2V3BvUVpCUQ?oc=5) · Bolivar Herald Free-Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63996 (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/60.json (key "63996", 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=63996
- 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