# COUNTY
Clayton, MO · NCUA charter 64056 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/county-64056

Who the members are: state charter, organized 1970. 1,953 members of 100,000 potential (1.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 5608.

**Verdict on the desk:** this could be *participation buyer*. 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 | $26.2M |
| Members | 1,953 (-0.4% YoY) |
| Full-time staff | 6 |
| Net worth | $3.0M |
| Net worth ratio | 11.5% (p26 of band) |
| ROA (annualized) | -0.33% (p18 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.83% (p83 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 49.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p79 of band) |
| Operating expense / assets | 5.20% (p81 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 144% (p98 of band) |
| Vehicle delinquency | 0.54% (p52 of band) |
| Vehicle NCO | 0.43% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 5% |
| Average share balance | $6,574 |
| Participations bought / yr | $2.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.1M |
| Loans outstanding per 100 members | 5608% |
| Loans granted per 100 members, annualized | 2509% |
| Average loan balance | $109 |
| Loans granted, annualized | $6.0M |

## Participation posture (from the same filings)

Bought $2.1M and sold $0 in the latest annualized quarter; $5.1M outstanding purchased (169.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 3 | losing money, delinquency 2x band |  |
| 2016-09 | 2 | net worth falling | repo signal, delinquency 2x band |
| 2016-12 | 1 | repo signal | losing money, net worth falling |
| 2017-03 | 1 | losing money | repo signal |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 4 | delinquency 2x band, delinquency rising, assets shrinking, members leaving |  |
| 2017-12 | 1 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2018-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 | losing money | members leaving, delinquency rising |
| 2018-12 | 2 | expense trap | delinquency 2x band |
| 2019-03 | 4 | net worth falling, delinquency 2x band, charge-offs p90 | expense trap |
| 2019-06 | 2 |  | losing money, net worth falling |
| 2019-09 | 3 | losing money |  |
| 2019-12 | 4 | net worth falling, loan book shrinking | delinquency 2x band |
| 2020-03 | 3 |  | charge-offs p90 |
| 2020-06 | 5 | margin squeeze, members leaving |  |
| 2020-09 | 4 |  | members leaving |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | charge-offs p90 | loan book shrinking |
| 2021-06 | 7 | delinquency 2x band, delinquency rising, auto monoline |  |
| 2021-09 | 5 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 3 |  | charge-offs p90, auto monoline |
| 2022-03 | 3 | 3rd-party paper>100% NW | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2022-12 | 2 |  | losing money, delinquency 2x band, delinquency rising |
| 2023-03 | 4 | delinquency 2x band, delinquency rising, assets shrinking | charge-offs p90 |
| 2023-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 3 | charge-offs p90 |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 7 | net worth falling, delinquency 2x band, delinquency rising, members leaving |  |
| 2024-06 | 6 |  | net worth falling |
| 2024-09 | 3 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling, losing money, delinquency 2x band | charge-offs p90, members leaving |
| 2025-06 | 3 | delinquency rising | net worth falling, losing money |
| 2025-09 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling, losing money | charge-offs p90 |

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

- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 2026-06-26 [Cole County prosecutors charge three Columbia residents in Jeff City credit union scam - KRCG](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVlFTcnk0blVBV3djM1F2bjRtWjVUaFk5SmJyLTBBTW9oNVNuaGlIb3cxZHlkN21HVFROTUJMUTJJZElOVk12Z3JRTFVNYXE5SzlRRkpNNXJ1Q1E5YzNKSEdIMTJua1lpT1FtY0pndThpUzRnTGo0d3Vid1JZOFNhTjhhamp0OEhqRGQxUkNqSHdsOHFFYUpTSTRhci00TFhyU1FCcW9KREFtQVMyd19iMmdzT1FXQXM?oc=5) · KRCG
- 2026-02-25 [Sweeney appointed to Missouri Credit Union Commission - Christian County Headliner News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdUxIZzRBZjNhNW5tSHZpSU1md2tHdktvbVVZX29rZGNwZWsyZXlHd2RQdGpKUFBuUzRaWXpZZldJbHV3aDhuYWNtSE92ajZ2TmdrUHdTZ0lBbkhZUEV5RUd4Zi1FMlpSN0cyZ0xybHN5QlkzZFFPMEk1ZTBlTk1nN0dRQThDY1NFU0ZfQWtHUm9zLWtOXzdV?oc=5) · Christian County Headliner News
- 2026-04-30 [This CD is still offering 6% — and 9 more of the highest-APY CDs this month - MarketWatch](https://news.google.com/rss/articles/CBMitgFBVV95cUxPczNOc05nZ3JSbFBBaUtjMXpCel9XNWNBamNYaWxKenlJMERJN1NobG9VWGxjVFBoakZBU05EVGdycDdTMmY3OGprbHU0VnRKU2tGQ2FfeU5adlF2SkJLazhGS1diMk1adE5Dc2M1Z0ktc3JJdm53RUlvNXFGT3lrWGR4N2NXMEpYN01VdWdCaFNUYld5UnhpR2JJS2Rjc2xha2tvYzR3R3lJNklnd1liVnpvMWVkZw?oc=5) · MarketWatch
- 2025-12-12 [Sponsored: Vantage Credit Union opens new branch in west St. Louis County, offers $500 gift card giveaway - KSDK](https://news.google.com/rss/articles/CBMihAJBVV95cUxPdWZqQk16b3F0cWxDb3AxUDV4V3BiSWF3amhKRS1ETjZGclZQdWFRcGl5TV9ZcG1uUVk1MUFySk52TlhINFhURVpHWG9CLW12MU11S2RLT2FLdXVUOHBkSm44U0xFdzUxU1FoVTdjeWhta3BkU2VhLVF2blAwRk5IQUFXYzRKV3R0OHZVUEVYdklMaWg4aWE3ZFk5cGNLZ1NTYVlrMFBybkhZOC1uWHE3RUhsbTF1bHFtY3dtQU1YSUUteHlqZXp6RFNUaDQ4QmZNaWs0VFQ2OEhjYW15b3VFeTFLZzNtd3JsenczVVZOOTRYUHl2amFDT2FCSUxEQy1yMVIwQQ?oc=5) · KSDK
- 2026-02-28 [St. Peters man steals $10K from employer, blows it at casino - FOX 2](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaFI5SXlQQWowM3Raa3prVWFaakx1MW5xdk4wbnVFRENkbThOTEVqZExDbzl6UWJaSEdXT0s1NU5kYVNoS0s4TDdwSGg2dG14aDhCYlh6Y0pyREhDNGYtd3h3bGdZdHFTYU1nYlZwQ19sSURabmRfNWtldXVEOE5Qck5SdmhiTWJNM0J5NTdSS1ZaU2VobDNB0gGcAUFVX3lxTE5JazFFTkpPTkFVSzJUMHUxTTVmSUFXSW5hNm5pNFZubTB2VDE4QjRha1YzRGFZUG1VYkRfZkVlbmZFZGN0aU1YSGZKWXBuSUlFTDV6a0JjQVVyWGZKYXRYY3RBYkJDeS1PX0RyUGxEVVB6SVRQVnRvXzBLcWo4QzFYRUJNV19maHZTSXRhSDMwaXpxaEhUSHZ6WlhhRw?oc=5) · FOX 2
- 2025-02-06 [Missouri Credit Union and River Region Credit Union seek acquisition approval - KOMU 8](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPRXFENHlnT3N2azZFbG1ST3p6eE5OdnJzMTRjd1VLWGFSV1FuUlNBdUpOOUhLRVNMR3V3ZVplUmpVMnM1LUpaUTZKTFNKSF94WHZMckc3dHVBTWg2TDZ6QjEyZWtPcThHY3BlZEE2bDhOZ2FHd1BoV1JDNmJQYmYyWndxT1JHRUlOTUNvNDBlUzYwaFY1TVU2WDFEaFRuQUQ1ZjNZN1VOUmt3ZXEtMUE2ZzVjM28yUVM2RTVpMEE1N1JKazJBV0xuNUlpLUhnSXN6ZTE3SlBPTnJabm16X1dEeVZNUG03QWt6dVdaTE9TMkpvUGt3UmkzWWdlRXJuQQ?oc=5) · KOMU 8
- 2026-05-08 [Janet Faye Scheer Obituary (2026) - Houston, TX - Integrity Funeral Care - Houston - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPeks3NTdvUWNIYVhNSEtRcGVEYUpTLVBORzJldUlMT3hyODFvck9JNmIwM2Q5QWJUbEhmTTV2ZzJacmZhNkZ3aWhDR0ZoTGZrMjNxeFpINzM3cmNhMkMwaFVnS2hVbUVldHo5SHpad09TdzdYamxmRjhxbVpjQTRjMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64056 (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/56.json (key "64056", 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=64056
- 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