# SOUTH CENTRAL MISSOURI
Willow Springs, MO · NCUA charter 64222 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/south-central-missouri-64222

Who the members are: state charter, organized 1954. 1,929 members of 70,000 potential (2.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *auto monoline*. 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 | $9.2M |
| Members | 1,929 (-1.2% YoY) |
| Full-time staff | 2 |
| Net worth | $1.4M |
| Net worth ratio | 15.7% (p55 of band) |
| ROA (annualized) | 0.02% (p25 of band) |
| Total delinquency | 2.05% (p78 of band) |
| Net charge-offs (annualized) | 0.19% (p64 of band) |
| Loans / shares | 41% (p25 of band) |
| Cash / assets | 63.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p18 of band) |
| Operating expense / assets | 2.49% (p19 of band) |
| Vehicles % of loans | 71% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.00% (p79 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,874 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,501 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | losing money | delinquency rising |
| 2017-09 | 4 | net worth falling, delinquency rising |  |
| 2017-12 | 3 | loan book shrinking | losing money, net worth falling |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 1 |  | loan book shrinking |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | losing money |  |
| 2020-09 | 4 | net worth falling, loan book shrinking | assets shrinking |
| 2020-12 | 3 |  | loan book shrinking |
| 2021-03 | 3 | margin squeeze | losing money |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 | losing money | delinquency rising |
| 2022-06 | 3 | net worth falling, delinquency rising | losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 | losing money | net worth falling, delinquency rising |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 4 | loan book shrinking | delinquency 2x band |
| 2025-03 | 4 | delinquency 2x band | assets shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | net worth falling |  |
| 2025-12 | 4 |  | net worth falling |
| 2026-03 | 3 |  | delinquency rising |

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

- 2026-05-29 [Ozark Federal Credit Union brings modern banking tools and personal service to Cape Girardeau and Jackson - seMissourian](https://news.google.com/rss/articles/CBMi5wFBVV95cUxONWdoWmlsOG5aRTRZQzRiUDAyUEtTcms1MWRwSU5YZ3AtaWRvX0RJV1ZhYVRHMk0wS3lDOFdScFp1d0NzZC1jMWxjd0REaXB6RTBaQWh1ZzlERUZ0SE5JbzdKUGRGc0JwU0ZqU3BsNjROTm8wV041cHJET0dsczIxaXdzb0JJMS1xUkFTaDRRMkgyVm1KYVItNGdLdnNIWUdNWElheVBuUldkSlQyMkU5eUdLSW4wSlg2b1FZQlFMaEI4VTVlZmdIMkcwemViV1J6Vll6MEk2MGx6Y2pIWUlEbFpmUk85UEE?oc=5) · seMissourian
- 2022-03-16 [Riverways Federal Credit Union announces the acquisition of Vaughan Insurance LLC - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxNR3NEaGtsRnFDZXpPYm1WRk5NTHVmaDNoc0ItZlBrQXRxWTd0TUZqcUdLWXFteDJnNF94RXFPVE1jOGJ0RnU3dXhJZFVOeHdrRmxrTnU1Mkp6bURiQWRScmhyRzRXQ2o0X1pqNkVEUlNyUkhfcERsODNTdjNqcE9GTWp1dTNGTW5VQThEWWtZSGRDSC1vRzVKSF9TTDdLY3ZWeFhaV0VkSDNTLXpGenBfY0xrWmwyMXJ3TlNpV2Rtcw?oc=5) · CUInsight
- 2024-07-31 [Motorcycle crash kills a man from Phillipsburg, Mo. - KY3](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ISTd0V3pzVE5BbDZHZHJVd2tqMjNGNHFZNGEzWndHaUN3TzRvTVlaaHJpcHBVbllJMnZCSEZDOUV1T1JKV3lrYWU3UlRENEk0WGRFbUhLQ1JpcEtLTFhJRDVPTUJGNGQ3NkFReFdUSkpFY0lnMzFqV3EwTHJCVGvSAZMBQVVfeXFMT29WX1Vzc0xLX0MwTThSODU0WlhjY0I2ZDQxUzZFandDWGczUTRiU2pDNENJMUJIU3duUnNKeE00MTExRHRWLVIycy1BMmtUaWxhVmw2SDhFcDhVczI1MWdKVDVXb29aYUMycFpQc00wb2RYcXMxb2VjemFMOS15NFNrNmQwVHdqZ0VfWHdvblNaSHlJ?oc=5) · KY3
- 2026-01-15 [We The People: Fort Leonard Wood has been training soldiers for more than eight decades in Missouri - KY3](https://news.google.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?oc=5) · KY3
- 2010-12-31 [4 dead in rare New Year’s Eve tornado outbreak - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxNRUc4cDRpR09pS05zRVo0R3ZUQ1ptSVJ3dTBWbzVSSlZCZXdZWkQ1ZFhqamlOUGVEOVVVenh4M3g5em12RjZXLXFOUk1OeWlyUHhKTWFrOHkxYldTRmNXLW9TdXVaSk85dUQ3dFpTQ25Sc0pReVNxSFFwdVlsRi1sSWYwalRIRHQ4RGliNE9BN2FIc2c4NTZWc2ZB?oc=5) · San Diego Union-Tribune
- 2025-11-20 [Rolla, Mo. woman dies in UTV crash - KY3](https://news.google.com/rss/articles/CBMibkFVX3lxTFBWc21fSG12d25fZjVRMXdua1BCZzNnSmszT0J2cElSS1I2blcxWlVpaDFsT25IR09WbFVTVzFmVXhmNXFLZUxzTUdYSUQzMmJVVmM2UUJ2XzVyeXJ3NDVnRlhnd29MVGVINFpWejd30gGCAUFVX3lxTE5QS0lPb0Y2WVYzTGhFN0tDOG42R3E4X2diUmVyMHRIcVZWelVVcHV2Q3M3SzZiWUxXaV9ZLWF2QW4zWVlCeVd1QWVCaG82SG03XzVHR3dHQ1VRVVhWRXJWc2c0XzFyUHA0c1otYjFzZU40WHNwUEphQmdpMlBLRFpQaEE?oc=5) · KY3
- 2026-03-27 [Doolittle, Mo. man dies in motorcycle crash near I-44 - KY3](https://news.google.com/rss/articles/CBMihwFBVV95cUxPY2R2M2xtekNPb2YzZzVVWDdocUhFSm5sZVZCOU1PZmpFVEt5andEcmF5dXhpNnNWMUhsYnZMY0FtN3I5Ty1WZFdmM1g3VE5wTmJacG9OVGNnSnZQbWV3bjAtUGlXemlGQzRMMk5FWUlOQjdtZTFabEQtdWViVWdCUVNHSGZTR3PSAZsBQVVfeXFMTWYwcF9uRWlITllFX3ZfUEhtdldCSml4NjR1Ukp0VllWN29UcFFPa3BPZEVrU2JDNmVRcUJzUWV2eFJ5blpXU1hCRkk3RjJ2bm91ODhjVHNGNWtvUmlJQ2pUTDJsVXc5N0RWSlZKSXFpZlE5R19kUmNGRU9wQnZRd0VpV3ZkVUJLRFRBTE1lQmhXZ3lxOWQ4N2tqYU0?oc=5) · KY3
- 2022-01-08 [Texas County, Mo. man sentenced 8 years in child pornography investigation - KY3](https://news.google.com/rss/articles/CBMiowFBVV95cUxNd2twRjBMM2tMSGgybjNlZzFTd0hITnZpd0tFeldacFpTNXU5RXVfazZEdVFOa0p6VE9SRHVSeV9MYUZVSjQ5WENUc0lTOUgtUkRuUHVVRFA2UEZhNWlXa29UNXd6MzdTSXBGSnVJS3g5MzRfZGxiR1F0bkMxQ1BUSFpSZlRhOXl3TklLNEJ2UjVlLUpvUncxbVlhSTNZUlpyeE5j0gG3AUFVX3lxTE1OaWF1clFzUVRsVzVpaXl3T0czZXpsTXB5S25BV2o3bmxvY2JIMExKNG1oQlJzQi0xaElmMzYzZ2F0YUtDRHBXV0xKQ0ZWX2dHa0V2Ui1QTGNpNmF5bnZUaVJ1Qk9hRjdIY0NrQjh4b3U3UXF1VmNncmN4OEYyZWJ1NkctNWx2bm5DVWtJY19RZkl3NVZCZFh0eWRNdGs5NEctbUJaLU5vWlAxU3d5V1FILVE5dXEwOA?oc=5) · KY3

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64222 (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/30.json (key "64222", 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=64222
- 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