# BURNS & MCDONNELL
Kansas City, MO · NCUA charter 64139 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/burns-and-mcdonnell-64139

Who the members are: state charter, organized 1971. 1,945 members of 17,000 potential (11.4% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.5M |
| Members | 1,945 (-3.3% YoY) |
| Full-time staff | 3 |
| Net worth | $2.0M |
| Net worth ratio | 8.9% (p24 of band) |
| ROA (annualized) | -4.55% (p1 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 0.00% (p38 of band) |
| Loans / shares | 51% (p55 of band) |
| Cash / assets | 41.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | -1.26% (p0 of band) |
| Operating expense / assets | 3.59% (p71 of band) |
| Vehicles % of loans | 75% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 1% |
| Average share balance | $6,934 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,486 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **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 | thin capital, capital below 7%, auto monoline |  |
| 2016-06 | 2 |  | capital below 7% |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | capital below 7% |  |
| 2017-03 | 2 |  | capital below 7% |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 2 | thin capital |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | thin capital |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 3 | thin capital |  |
| 2019-03 | 2 |  | thin capital |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 2 | margin squeeze | assets shrinking |
| 2020-09 | 3 | loan book shrinking |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 6 | thin capital, losing money, members leaving |  |

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

- 2026-07-07 [These are the Kansas City area's big hiring announcements from the second quarter of 2026 - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQcmZ1b3FLSWV4WDlGZUxpYzhvOTN4WnR5QW1ZSUNXM1pRdlNIQm55R3lUamIyNk0xdjJjZ3EwSEpMMHRoVzZDWk1NakdEcnBCcEZ3RTFzTGtRTElETENSbzRNQVdNX0hzMGxueHVPRDJ2TWRnV2daU05EU1pNSXFoSUJ5S2J0TXNybHNwelBvcEgwSlJUTGNGTzVwell6TUhY?oc=5) · The Business Journals
- 2021-04-21 [Small Kansas City credit union to merge into CommunityAmerica - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxNZ2dGQTBuY0hfWlJfb2xsOU1fZndzMXZDRDh2NFRNbVVyU3pCUG5FVWFseXNETXJTMlZrNjB3X2gzSm04S0N1dTQ5OTVsRHpualNkU3ZNZi02Z3FQeWtWRGNObGFkUE9kVnJndUJoNklKcThZSUU3VUlDcHY4Z2IzSGhtWW4tRHlzVEZubnZwSEZibXJkTWUwYW5yTVFTMm9zZDRhMm05dVRLMEdNa3lV?oc=5) · American Banker
- 2020-06-16 [Burns & McDonnell Keeps Workforce Moving Through Pandemic - Burns & McDonnell](https://news.google.com/rss/articles/CBMieEFVX3lxTE5OazNYRnExdEtpMFhfd1ZNOE5kNEZTcmhjb0VUdjhRM3VJM3k2V2YtVWdQdWFHWUM4YU5VN1JzQ2dHVTl5Rm14YkUxYlBfa0hfS3pzTTl6a3lpWS1PbERNQTc0ZDk3WnBxcmV5dnlUQU1EUUNsWkR5Sg?oc=5) · Burns &amp; McDonnell
- 2025-05-09 [Patricia Hatley Obituary - Kansas City, MO - Neptune Society](https://news.google.com/rss/articles/CBMigwFBVV95cUxPM1pYOGVreWNsd05CcjNoYVFJbFVDMGxYaFR6UTJTMEVfQksxVUNmSHo4S3FWNWI5RlNvQXZ1SE1LNmk4cHJyQk1relRDRHZndWVNTjVPcWhhVEhUa25jRDZ5eTVfSERiUFF1UEU4UjBKQ1VUcTROZ1B6Yi0xZUVCcUdRUQ?oc=5) · Neptune Society
- 2024-12-09 [2024 St. Louis Angel Tree Toy Town to Serve Over 6,500 Children - The Salvation Army USA](https://news.google.com/rss/articles/CBMisgFBVV95cUxNYmtDWmwtWjJVU0l2WjhfMEFwTFhZbWRTVU9HV1pUZEJneHhQcGRTQUdWanZpSHJKZy12UGNnVm1mYk4zYVVUSjQ1TThKQnQyNTRmbVEzTG5JLU9sOS1zdlAwNW9VSHczaVc5MHc4WWV4UVM3eUx0Q3JHME5EQmJxdnhHNURPZ3lXUGttMWotMmhIWXd5dEJRT25lNkZqTUJUcTRjRHZKbXE0VzlXZmZxTmRn?oc=5) · The Salvation Army USA
- 2025-07-11 [2024 St. Louis Angel Tree Toy Town to Serve Over 6,500 Children - The Salvation Army USA](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNejRkODM5ZGFqSHRqUkQ5cHhBU2o2Q0ZwT1VMM3k3cWpuVVZobVhQNUI0N1BpeUZ3ZDVSdHdORnF6bC1QNy1pam1hc3JXOTM3SmNxN2F4cldPYVhjWlAzR3pDNmoxRUxIZ0NITHlRb0hOMVVvSjM0clpxM2VOei1yaHI1RzRUYTlDdVkySldXejNUTmhvR2R4dDNlck1lbDhMUUFmcGlHR2FPTHM?oc=5) · The Salvation Army USA
- 2018-01-07 [Joshua Joseph Allen Obituary Jan 7, 2018 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiX0FVX3lxTFAxNHJaV1JHRmtxeDc4QW9ZczI4dFpNak1DM0VWbUdhZkc1WktRdkV3RmlILThzRHBOMl85aUdZdkFwU09oaUFxa2FUbk1QUjVfSU9ta1FuaTlfOFQzTkZN?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2020-05-29 [2020 Best Employers in North Carolina - Business North Carolina](https://news.google.com/rss/articles/CBMibkFVX3lxTFBUQTloSGlrVjZydUZQREVWUWZSS0NCSUh5d2sxZDBKUGU0Y0JhNkU0amp1YkdZMU54Q1BTMENLNTdQbnVkbzV3OW5zVm4ycnozUjllVFpKaTEyNVFSODFib2IxNW8yVjBkVDNEOEZn?oc=5) · Business North Carolina

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64139 (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/11.json (key "64139", 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=64139
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide