# MISSOURI CENTRAL
Lees Summit, MO · NCUA charter 64036 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/missouri-central-64036

Who the members are: state charter, organized 1931. 11,516 members of 100,000 potential (11.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $125.1M |
| Members | 11,516 (42.3% YoY) |
| Full-time staff | 27 |
| Net worth | $11.2M |
| Net worth ratio | 9.0% (p13 of band) |
| ROA (annualized) | -0.03% (p9 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.84% (p86 of band) |
| Loans / shares | 69% (p48 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p70 of band) |
| Operating expense / assets | 4.03% (p63 of band) |
| Vehicles % of loans | 59% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 464% (p99 of band) |
| Vehicle delinquency | 0.45% (p42 of band) |
| Vehicle NCO | 1.77% (p88 of band) |
| Repossessed % of vehicle book | 0.19% (p85 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 39% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 14% |
| Average share balance | $5,917 |
| Participations bought / yr | $4.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.4M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,921 |
| Loans granted, annualized | $23.0M |

## Participation posture (from the same filings)

Bought $4.9M and sold $0 in the latest annualized quarter; $15.4M outstanding purchased (137.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 66.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | 3rd-party paper>100% NW |  |
| 2018-03 | 0 |  | 3rd-party paper>100% NW |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | 3rd-party paper>100% NW |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 3 | members leaving |  |
| 2020-03 | 2 |  | 3rd-party paper>100% NW |
| 2020-06 | 2 | net worth falling | members leaving |
| 2020-09 | 3 | margin squeeze, members leaving | delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, losing money |  |
| 2021-06 | 2 |  | net worth falling, thin capital, losing money |
| 2021-09 | 2 | thin capital | members leaving |
| 2021-12 | 2 | net worth falling | margin squeeze |
| 2022-03 | 4 | losing money, 3rd-party paper>100% NW |  |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 4 | delinquency rising, auto monoline | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | thin capital |
| 2023-06 | 5 | delinquency 2x band, loans>95% of shares |  |
| 2023-09 | 6 | assets shrinking |  |
| 2023-12 | 5 |  | delinquency 2x band |
| 2024-03 | 5 | delinquency 2x band | loans>95% of shares |
| 2024-06 | 3 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | thin capital, losing money, expense trap | auto monoline |
| 2025-09 | 3 |  | expense trap |
| 2025-12 | 3 | repo signal | thin capital |
| 2026-03 | 4 | thin capital, margin squeeze | repo signal |

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

- 2025-07-07 [Merger creates new $125M credit union with expanded metro network - KCTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMGpGalBBN3kzdkppWVg4dUFBTHk0TmNIRXExX0szLVBYRmVUVldralF1UVZWM1N3QmdXaE1IazZCTkhvbDNFbmxiNlhxRG5DQ2g4MzhDWFRxcXlrbjNyS0pjY2tDN0pSTnVLSl9aUmNvcUVOYVVPcWlDMnR2bEQ3VEVJTl9wN3Z0V1NJeEJCa2MwcjJQc0NGYkZGYVQyU0nSAbMBQVVfeXFMTXFFVGRseVVyYS12dS03V2ZwOGtnVlB3bG5oQkdsN2RrbXhjQzRldzVRYl9fN3JkOGxLWWY1Y1k0UDJNSS0zXzlKdUhGTjVLVkY0Wl9CTTVCdkNrRlZ1WUsxXzdtR3N1MWpMbXpKVDVVUTlaZktVSXRIOF9WMnhKSEdsbUxWaTlsdVY2SVkxQ0JIN1NPWEZ0ZkNFSFNBeG9QaGlaUkI2MjM0Ql9YcTFBNmdGTms?oc=5) · KCTV
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2022-06-11 [Tribute for William Hanthorn Trenchard - Langsford Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTFBlTEJrTVZxdEZKLWVka2JFYW9lWFh5clpPSl9udlhFMHZ5eklwdVZBaG1PUWVaalk1cU9SMlVmelYtSlZIc1ZFbkxwRUJZSTg0dVcwcXp1YUVYQ3pYSC1iUHBQbUU1UEFrbGhJR0kzUjNyNGw3ZE4xTg?oc=5) · Langsford Funeral Home
- 2018-10-04 [Jennifer Paul Obituary - Gladstone, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWXZ2blBSRGlYZV8zWXNiQUNNVnFfTTdXdFpXdzJ6ekM4OW1HSmdaUkt6ZmZiOXhCY1RNUTdoWmpWbF80MGFFODViMVVSR290dzhPc3NXQ0tqaFlfNFpSRkFNUmhJbVdYNi1KVDRyd0h6Z3dFYWZYSEdwTWw1QWxKdTFDbw?oc=5) · Dignity Memorial
- 2021-05-29 [SUZANNE MILES Obituary (1942 - 2017) - Lee's Summit, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUVloVzF3MFZQRWhZNV9kQW9Na05KWTY2UE1YQ1lkd0dVVk9oUktzTUhfb3VVYThKZXhJRXdGc0FzZ3dMRFVoTWdCdFFTWTkxOGZjVkduUzhZNGNKaGNGeThpNThqSFF1bVdyLThNSC1mQzVkNGpnRXl2NEI3cjlOVlVZQjRydlVsMzZmX25BVQ?oc=5) · legacy.com
- 2007-02-19 [Bonford DeWitt - seMissourian](https://news.google.com/rss/articles/CBMib0FVX3lxTE82dzZsQXhvSlQxTU4yWTNERXRMU201dUpTdzRYRmFmVlJsem5XY0JMYnYwRGZTcnJXYVpMME5lMzZhVUpWREdnUDJtRWJ6Y3haSFBLNy05b0dMdVVKSWtzOGw1a2ppZFpTLXdkdGJqdw?oc=5) · seMissourian
- 2024-08-13 [Beverly Wright Obituary (1947 - 2024) - Legacy Remembers - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQT0V2VE9iZ3FNRUtiUGgwLXd4RzZFMjRYTkpvYlg1eTZMVkpxR3N0b3YxNENUcC1KdmpvZncyNVhIWTJ2Umk0QkRMQ2o0eDRSMzBxbFcyRXZsYWdqemNzOGpQZXpmNklzdVlxS0trcjZyRDd5Ujh4a2xCMld5S2tTcmQ1YnYtbTNWSGhJUFNTQl9TZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64036 (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/36.json (key "64036", 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=64036
- 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