# GREATER IOWA
Ames, IA · NCUA charter 64203 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-iowa-64203

Who the members are: state charter, organized 1932, low-income designated. 37,958 members of 855,632 potential (4.4% of the field); checking penetration 92% (share draft accounts per 100 members); loans per 100 members 77.

**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 | $701.5M |
| Members | 37,958 (0.6% YoY) |
| Full-time staff | 140 |
| Net worth | $65.5M |
| Net worth ratio | 9.3% (p27 of band) |
| ROA (annualized) | 0.47% (p36 of band) |
| Total delinquency | 0.88% (p72 of band) |
| Net charge-offs (annualized) | 0.61% (p68 of band) |
| Loans / shares | 95% (p91 of band) |
| Cash / assets | 5.4% |
| Borrowings / assets | 1.92% |
| Net interest margin | 4.36% (p95 of band) |
| Operating expense / assets | 4.26% (p81 of band) |
| Vehicles % of loans | 47% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 302% (p91 of band) |
| Vehicle delinquency | 0.50% (p44 of band) |
| Vehicle NCO | 1.14% (p62 of band) |
| Repossessed % of vehicle book | 0.06% (p55 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 81% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 25% |
| Average share balance | $7,436 |
| Participations bought / yr | $14.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $24.5M |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $20,155 |
| Loans granted, annualized | $299.6M |

## Participation posture (from the same filings)

Bought $14.0M and sold $0 in the latest annualized quarter; $24.5M outstanding purchased (37.3% of net worth), $210,300 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **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 | 3 | thin capital, leaning on borrowings |  |
| 2016-12 | 3 | net worth falling | leaning on borrowings |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 4 | loans>95% of shares, leaning on borrowings | net worth falling |
| 2018-12 | 3 |  | leaning on borrowings |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans>95% of shares |  |
| 2019-12 | 5 | net worth falling, margin squeeze |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 4 |  | loans>95% of shares |
| 2020-09 | 3 |  | margin squeeze |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 4 | loans>95% of shares, auto monoline | net worth falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | auto monoline |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 2 |  | thin capital, assets shrinking |
| 2023-12 | 3 | thin capital, delinquency rising | loans>95% of shares |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 2 |  | thin capital, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2025-12 | 2 |  | loans>95% of shares |
| 2026-03 | 4 | net worth falling, loans>95% of shares |  |

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

- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2020-01-02 [Credit union manager admits to stealing around $250K from vault - KCCI](https://news.google.com/rss/articles/CBMiswFBVV95cUxPREM4NUlrM05xOG9VWjFLdmRHTlVwN2V5Q19jYzNWQ1plcF9rejZFU0VUZ3MxSEtFcEFTd0REWVpLeXVLR1hxb0ppQi12a2M3c04yYV9IaUx2QUxYUy1kTDVXWERrdEMzTDB6N2JRMXdTUk5qQ3FEUHNqMlA4dXlnbk5NS2F6SGpEaC1RbjVjLW5kdFRsLTVhWUgwNmRpTGlTZDRxcHJBYkdsd3pLU2JXc3NUNA?oc=5) · KCCI
- 2017-02-15 ['Planet Money' co-founder Adam Davidson will speak at Iowa State Feb. 22 - Iowa State University](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRjg3Njd3RFRjZk92MFNqVFphV3o1aTVqVXA0QWtYOE84cHJkcmo3YUpoQ0xhYUV2Smg5MnNnYXdhaUhjb3J4TU9UZTFDZzh2NGhSTENwR0x6SE1sSkgxMmZjSGp6NFpKZVk5MzR2SmxQX250VEpIWkFpcUxQVUUwZmJQYWtXZmhCSFlpY2FPMngyZVRyM2V0NExBUE80TmdLS1E?oc=5) · Iowa State University
- 2015-08-04 [Greater Iowa Credit Union is taking nominations for classroom grants - amestrib.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZDEtWmRZWVk1cFF6cmZhTGh3SGpBSzdhMDhtLWdyNkVyTzZ4b3o0S3MzR3M1QjlCcmVhajdRX1Ytazg3S19FQkVkTEJocXFyVXl0Qml4LXhwVTF4dzRiUlNDdWFESVdWdk9GTWV3c1ZEVGp0TjVtMDYyMUJWU2tsWHB5VE1MQjRYQkdQSW9oOTlKdWlXaFNzX21n?oc=5) · amestrib.com
- 2013-09-10 ['The End of Money' author David Wolman will speak at Iowa State Sept. 19 - Iowa State University](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSTNVb1BTRFRyNVFNQnplcUQxcWRoQmFVQmRXcUZCQV9JQ0hHYXEydGRVUG9kV2hjNUxPODJXVThRMlZJaTRFeGhRWlZGU3h4clgxU3gzS3pXc3RqN3k1dXRjbGdWeXZXaE1hdlEzSXNjZHZnQURoVFcyUTZ6ZU5VS3MwOV9WQTFMRTRBQjctZkhIMHpWTmVBWA?oc=5) · Iowa State University
- 2015-11-12 [Greater Iowa Credit Union makes donations, awards classroom grant - The Ames Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxPUUlmeERPelNqbzJtSTNLN1dBQnpmWldYQnlZYVdjMFpHOFM3WTNoUEtpNlBBd1FzVC05NnI2b0J2QThvLVlzV0JrMTduRC1GQVAwUXdOcHZuaC1LQzYwdjVPV3ZBM0J0RjVOWnllemdSRWtDVUlnQ1JnQjFVb1RTb00wMDEtQTc2XzVQUzhodC1HRDBOOEpvUGdaSXpMUQ?oc=5) · The Ames Tribune
- 2025-09-12 [Federal Judge Sentences Leaders for Organizing $15 Million Credit Union, Bank Scheme - CUTimes](https://news.google.com/rss/articles/CBMiugFBVV95cUxOY3owVndhczV6MWdBZmxnLUh4X0sxbnNZUHNvWnhkZXhmYVlyMXg0R0pJcGRvbHBSM0FsNVl2RnhUaW9kMXREOUdZeXhWVHUyNjRNa3BETDV6S3UzZEZ3Nnk4cWlNeDhyR2pQLXdfdG1kNUk5MGlmT0JxWjlNRFlUN1lFb1MtSlFNQ0VseFItaTNTMkNGbXJaQnhLclowNHhibmhoT18zTzFRWkVSVXFGcENBZEh5MElVQVE?oc=5) · CUTimes
- 2012-09-11 [Hosts of NPR's 'Planet Money' will bring live show to Iowa State on Sept. 19 - Iowa State University](https://news.google.com/rss/articles/CBMingFBVV95cUxOVkNXeFlYM3FtVGxORDctSXhEbURyU1BsTk9DdkZ3bFlFWHd6eXFTdjNYWEI5ZmJGNXZTQ3ZTcWhfVGFUM3BhSV9CUDJDbTlWaG1LM0xKejFXZ25URngxTVRBOU5IUlN1UTBDWWwtTjNxc3FBYXUxbnpoZnZHdTJKTHBzZGNXdEZiXzJYckl5Q01OZlEzOFZxVHd0TzNRZw?oc=5) · Iowa State University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64203 (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 "64203", 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=64203
- 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