# CAPE REGIONAL
Cape Girardeau, MO · NCUA charter 64621 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cape-regional-64621

Who the members are: state charter, organized 1971. 2,524 members of 20,000 potential (12.6% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.5M |
| Members | 2,524 (3.9% YoY) |
| Full-time staff | 8 |
| Net worth | $1.5M |
| Net worth ratio | 7.8% (p5 of band) |
| ROA (annualized) | 0.71% (p50 of band) |
| Total delinquency | 0.00% (p16 of band) |
| Net charge-offs (annualized) | 0.09% (p46 of band) |
| Loans / shares | 81% (p78 of band) |
| Cash / assets | 23.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.39% (p68 of band) |
| Operating expense / assets | 4.53% (p73 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.09% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 8% |
| Average share balance | $4,364 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $15,304 |
| Loans granted, annualized | $8.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 6 | capital below 7%, net worth falling, losing money |  |
| 2017-09 | 3 | delinquency rising | capital below 7%, net worth falling, losing money |
| 2017-12 | 3 | members leaving | delinquency rising |
| 2018-03 | 7 | capital below 7%, net worth falling, delinquency rising |  |
| 2018-06 | 6 |  | net worth falling |
| 2018-09 | 3 |  | members leaving, capital below 7% |
| 2018-12 | 3 |  |  |
| 2019-03 | 5 | capital below 7%, members leaving | delinquency rising |
| 2019-06 | 2 |  | capital below 7%, members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | losing money, delinquency rising |  |
| 2020-06 | 8 | capital below 7%, net worth falling, margin squeeze |  |
| 2020-09 | 8 | members leaving | net worth falling |
| 2020-12 | 6 |  | delinquency rising, members leaving |
| 2021-03 | 7 | members leaving |  |
| 2021-06 | 5 |  | losing money, margin squeeze |
| 2021-09 | 6 | assets shrinking |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 7 | losing money |  |
| 2022-06 | 6 |  | losing money |
| 2022-09 | 5 |  | assets shrinking |
| 2022-12 | 3 |  | capital below 7% |
| 2023-03 | 5 | capital below 7% |  |
| 2023-06 | 6 | delinquency rising |  |
| 2023-09 | 4 |  | capital below 7% |
| 2023-12 | 2 |  | members leaving, delinquency rising |
| 2024-03 | 4 | losing money, assets shrinking |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 | net worth falling | delinquency rising |
| 2025-06 | 2 |  | net worth falling |

## 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
- 2025-09-02 [Cape Regional Credit Union to merge with Ozark Federal Credit Union - kbsi23.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVHlXeTJ3MEl4cHNzZUlGWmI3LVZ3ZlA5ZWhsN1ZZcURjdkFNNTNQeU5Bc0tFMDgxOGRuUUJzd3FQMWlxZW83MFNkSmJLLUZwNE9ybmtQdnFPMXpzTHZGdGFmaVFXWG53aWxxQWpmMEZaMWpiXzlOZ0NfMmZOR2JOek9UYWhRaXI1TXVHQ1hEb2J2WDJtdWRTYkJTaHk?oc=5) · kbsi23.com
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2025-09-03 [Thursday, September 4, 2025 - Today's Talk - KWOC](https://news.google.com/rss/articles/CBMic0FVX3lxTE1yMGxud1M3S2RQMFUzZ0lVd2NYNmhhdjhLUWhXYW9MMXJEQ1hzb1VsZEYzUG83SVJvVk1LQUp5Q2VDeG5HcnM2OUJWOHY5RlZRRmw0OHZCR3l5Wkhobnc4bWVLV3dMd2VTVHk0VzdiZTVvTWs?oc=5) · Today's Talk - KWOC
- 2024-03-19 [Penny Gail (Borgfield) King Obituary Mar 19, 2024 - McCombs Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE1YMVdETjlJTTFBaW5XVlNnV3VmaHdTcmU2cU9XRjdadE4yVnhwS3h0dXVnTmVHeU5OQjZac0JuQ25DYnRjcWxnMXItYWd1cFFwYVFOUXRibEhCbGI2OFVxVUdGcmlZbmZSTS1hT0RaZVlRRFps?oc=5) · McCombs Funeral Home
- 2025-04-08 [Photo Gallery: Tornadoes strike Cape Girardeau County - southeastarrow.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZE9LUC1ubExpbEtob0g4cEE3a0JlbWdLY2RUUF9PWER0YTFqSFZndEpibHZQRDZjVVlqS2o3enB3NHprLVQ5Z2dJUkhTdHJwcGhZYUwyclI1VWs0Y0xwU09sa1VOSXpXN0ZsLVlVMWx4M1pLUG94TWpaYm4wemJrVldEcVhnVzg5TmVSWTJMaw?oc=5) · southeastarrow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64621 (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/45.json (key "64621", 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=64621
- 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