# MAZUMA
Overland Park, KS · NCUA charter 64084 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mazuma-64084

Who the members are: state charter, organized 1948. 75,471 members of 1,964,189 potential (3.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.06B |
| Members | 75,471 (3.1% YoY) |
| Full-time staff | 254 |
| Net worth | $110.1M |
| Net worth ratio | 10.4% (p42 of band) |
| ROA (annualized) | 0.65% (p45 of band) |
| Total delinquency | 1.37% (p92 of band) |
| Net charge-offs (annualized) | 0.51% (p50 of band) |
| Loans / shares | 90% (p60 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 6.27% |
| Net interest margin | 3.82% (p82 of band) |
| Operating expense / assets | 4.39% (p94 of band) |
| Vehicles % of loans | 46% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 309% (p86 of band) |
| Vehicle delinquency | 1.83% (p95 of band) |
| Vehicle NCO | 2.30% (p90 of band) |
| Repossessed % of vehicle book | 0.09% (p54 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 26% |
| Average share balance | $5,673 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $47.5M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $21,411 |
| Loans granted, annualized | $246.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $47.5M outstanding purchased (43.1% of net worth), $1.3M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 6 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 | repo signal | thin capital |
| 2017-03 | 3 |  | expense trap, leaning on borrowings, repo signal |
| 2017-06 | 4 | expense trap |  |
| 2017-09 | 5 | leaning on borrowings |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | expense trap |
| 2018-06 | 4 | loans>95% of shares | delinquency 2x band |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 | expense trap | loans>95% of shares |
| 2019-03 | 2 |  | charge-offs p90, expense trap |
| 2019-06 | 3 | loans>95% of shares |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 3 | expense trap |  |
| 2022-06 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 | expense trap |
| 2022-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 6 | expense trap, delinquency 2x band, delinquency rising |  |
| 2023-03 | 6 | net worth falling | charge-offs p90 |
| 2023-06 | 6 | losing money | net worth falling |
| 2023-09 | 5 |  | losing money |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 5 | delinquency rising |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 5 | delinquency rising |  |
| 2024-12 | 3 |  | expense trap, delinquency rising |
| 2025-03 | 7 | net worth falling, losing money, expense trap, charge-offs p90 |  |
| 2025-06 | 5 |  | net worth falling, losing money |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 | net worth falling | charge-offs p90 |

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

- 2026-09-02 [Kansas City Current, Defender Meila Brewer Agree to Mutual Contract Termination - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxOYmJIdDIxaXp4WTVHTEJnaTViQ3FWWTlKT0tEXzh4dmZOUlZVZ3lyYzNNb2lTWXpBTTdtZWxiblFISlUxS1NYTXZzRjNhWWFDbi1kdVVKdWg0QkpTVi1VWHEzMk90dkNOY1hWVmttRTU3NWx3UE51bXZaeWpUaEQ5dzROTlQxLTJ5Zl93VlV6anduTmNpXzd2MWlOUDNMR2hW?oc=5) · Kansas City Current
- 2026-02-05 [Mazuma works with Reconciliation Services for deposit new branch on Troost - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQY1I2ZFByajNzTE5IQ1AxZjJjUUVqWUYxaUhCSTlPZzE2THlOWWZNc1lBZ3B1eWtFSWNESU4wdm4xNzVlTDg4NXJFaWxWNThNQ1Z0NmJla3NYTUY1aG14TU9PZUNreTNkdlNfc0tYTVI1aG02Umd2eWR5QTdWM0VjWXQ4Y0RfbUpIN2JDdFhoeHVqRDRhYU9XeVRKbnJJa0YzVGwyS2EyS3dSdVVT?oc=5) · The Business Journals
- 2025-10-27 [Mazuma Credit Union: Making Kansas City a Better Place - KCTV](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMHdKUkN6cDkzWENydVltQms5RmFBdDVVd0tadnN5MDMxeVJySEhzdXJ0dXJRX2VBek4xQzNlM3A5QWk3VGpzbWQ5dEk1OTQwYWs5TXAyUWJJalJQZUxkNkZOMVVocV9qWDdaNVBsUU1GMzZkN3Zmb3l0ZjRiYm9lUkw5VlBxclFOcWZ3OWtYMGdYRW9ad0E?oc=5) · KCTV
- 2026-06-16 [Kansas City Current, BofA Announces Multi-Year Partnership Renewal Featuring Enhanced Community Efforts - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOXNaT2FTODVjOTVPeFVQOGhOZy1MQUR3MFo5Tzkyc2FFU3htQXM3bEkzN2lESGU5LUdwQ01EVS1Gai12M09iT3JwUHZVU055b0lnbDBpQUx4MFl6ZG50bEtmMTVBRXA1ZjNYVHM1b0NBNWYwUEYydDFnTFFIazQ0UWJ1Y3piSjhiQ3E4VzNYaGUxQ2FMNHpyVzlzRnF5dVN6?oc=5) · Kansas City Current
- 2025-08-12 [Kansas City Athletics Announces Mazuma Credit Union as Presenting Sponsor of Roos Soccer - kcroos.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYWtyTXo0VWVSUjFNdXY3U3JteW5yc0FRNENvakpXUmRkUnBzdi1MTU9wVDAwaldKMWdmbTZNXzhsSXNqWFNRWDZ4UkRiY0wwckxELW04TlJTQnh6MmtwMDdWaHo2QWdtdC1YUThCdGdJdjAyUjdGdnQtSGpjSXpCcldLaHVxTGVqOHVSOHhyZVNfV1pleVlYY2F3NDBIV09ZQzQyamxULS1mMmNjMkRjTDBxS0ZLblE5WUt0cDVKTmRSaHFSWFlFMExtSHBZWjQ?oc=5) · kcroos.com
- 2022-03-23 [Sporting KC announces Mazuma Credit Union as Official Mortgage Lender - sportingkc.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNS2hncGl0bGhMQVpiT1lmTUJ2eXZwLVNkQm00bDJVUko0UmpVQ2Z2STZqYXY5N1dUa2x0Y1ZscHBjRnBRQWlETU1sTWgzVVZJdklHOUN3d1Y1ZDQ5R2dNZEFKa0JrQXRWcUJHU2xJRndaM2FrOGRsZlRvcEY0MlNnUk1XVC1JYmEtTlJrbXZwZ2F3UF9rajF0cUF2X3FibUpIazRv?oc=5) · sportingkc.com
- 2022-10-19 [Mazuma Credit Union Moves Wealth Management Program to Ameriprise Financial for Enhanced Technology and Solutions - Business Wire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNYVN3UXRYYmtHN01oVTlJaE9QakNkZEE2dkNnTnZ4MEpDM09tNFRTVFVfWTNxdm04Nl9lRXdCTzlOblBKZzFmcU9TQ2JFZlFYQnAtb0tfXzM4V1dYanpqOFIzZ1h5eGFMSDZGbmVadHgtRjdCV2tqWW90V05jMlBJM3FGcUZuR0J6ZVF3NDd4eDdYbC1TV1VncUxydzZObHZ3TThJTzlRd1lubjJVNmRLRUN2YUFjTmc1dG9WbnZudjBreEZjQUNTSkdtb3plb2RCUjJlYkJYWGRCd3ZKTm4ySlY2NHd4WDUxbzZWb21LaWstVkp4cnNmRm1BUFFwVGs?oc=5) · Business Wire
- 2026-03-10 [Kansas City Current, CPKC Stadium Named 2025 Sports Field of the Year - Kansas City Current](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRm9NSmd1WFI5ckJRbWVMWkw0U2JxZXgzeWxGTGpQazlwNl82UzZDMzlGazhHQlhkUzFGRDlyQ01keS12aTMtNjRHUFN0Y2l1UlhpVWhhVVlTMlZvMVpSVDNKSmprUjdISkU3Mnh1bUY5bkw4SGN1bGx3S3ZPWWVMekxKeWwxQjU5UUpnX2hGSGhJZm1iTDZKcjUxTzk0bGVXSDhXWUIyUGFzUVE?oc=5) · Kansas City Current

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64084 (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/20.json (key "64084", 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=64084
- 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