# LEGACY
Joplin, MO · NCUA charter 64708 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/legacy-64708

Who the members are: state charter, organized 1952. 3,203 members of 5,000 potential (64.1% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.4M |
| Members | 3,203 (0.5% YoY) |
| Full-time staff | 4 |
| Net worth | $4.3M |
| Net worth ratio | 17.1% (p62 of band) |
| ROA (annualized) | 1.33% (p81 of band) |
| Total delinquency | 0.74% (p53 of band) |
| Net charge-offs (annualized) | 0.41% (p73 of band) |
| Loans / shares | 71% (p69 of band) |
| Cash / assets | 37.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p47 of band) |
| Operating expense / assets | 2.64% (p22 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.05% (p34 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 32% |
| Average share balance | $5,321 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,090 |
| Loans granted, annualized | $5.6M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | assets shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 2 | delinquency rising |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 2 | delinquency 2x band, auto monoline | delinquency rising |
| 2022-03 | 3 | net worth falling, delinquency rising | delinquency 2x band |
| 2022-06 | 2 | delinquency 2x band | auto monoline, net worth falling |
| 2022-09 | 3 | auto monoline |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, delinquency 2x band |  |
| 2025-09 | 1 |  | net worth falling, delinquency 2x band |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-08-03 [Under new leadership, Holy Rosary Credit Union continues an 80-year legacy of serving the underserved - The Catholic Key](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQYXpkbWp5SnVicmJsc2JjbEd6cmR3ZlhZWVYxamlRZ1pLaER4S1g4dVFPekE4WHZ0UVU4RGtHb3gtZk9WM2F5R252NzZVQWhIUDYzUE1pbVd5UEZseHpPZ000WDZ2VlJGdl9YRnNKSTU1YXcteVZCSU5BTzkyM2tkWnU2aWhxLWlqSHkyekg4dzRFdVJJcWlSM1VuMW55NGhsM05JWVp4Qi1rcUtPSF8taFVueHBGQjZWRjlNSVRobU8xM3dmNTZaNjZwUVR6bHVhdXc?oc=5) · The Catholic Key
- 2026-02-28 [MVC to Host "Her Legacy, Our Future" Panel Event on Championship Sunday - Missouri Valley Conference](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPVU5MRjU0LUE0MktmRk9NNEMtemVaSjlLUnNXSDFTTVUxRXM3ajJNWVNJSjFhLTlZNVVvZzJRamdfSDJzVmRVMDJjQUtwcDFVUW5fRklId0lVMEIxdGV0a3dudlN2LTQ0ZGJ6V3JfXzBOa2N5b1RTTnRtalVuN2h1QTJrZ1cwOENZUEZOZUNkRG1CNEpGT1ZtNk5zVzhubkQ1ZTlTN3diSW5xeXk3WTZCaTJyM1JKcFB0ZEV4MUoxZW5EWTV6ajdfQQ?oc=5) · Missouri Valley Conference
- 2026-07-31 [FIVE FINGER DEATH PUNCH RELEASE "LEGACY," THE DEFINING ALBUM OF A 20-YEAR CAREER - Metalheads Forever Magazine](https://news.google.com/rss/articles/CBMinwFBVV95cUxPaGttU3dpYjBZRVBpRlhBWEhJXzJVLVdLdDhNTjdvUVZZc0VDMlZkYmUzSzJiNVE5NG1QN0ZJWm9ERXF6a3dwU1QwRmozRzdwRjRIRlc3M2ZOUWdnRTlnTmJKM2ZKdVlsV0R0cmhIQk9yZU55U1FGOGdqUTAwM2FWcDYxY1V4dW9yRkxFTWZTNzlCMExrRW5vak1oUkZwLU0?oc=5) · Metalheads Forever Magazine
- 2025-09-15 [Michigan Credit Union Offering a 4.99% 30-Year Fixed Mortgage Rate Special - The Truth About Mortgage](https://news.google.com/rss/articles/CBMisgFBVV95cUxOelp0THNhaFZTU2QtQ1ZaUlZWYWlJTGk3NFd6XzZ2QUthVVcxWDdzRDNkNjJOYUxWV3hSbS0xOEtnR2E2S2Y1cXV2MkkwbjBjTlBjTzRveVA5WV9ZM0ZXZ1h3NjFXNjJUSTdQd0hCZHZFUmhwWFNDN0ZkcEhWLWdid0ZkYW1yaWNxWDluS1pRdzF6SHlLano2cGxhMnMya0JVMnV4eGFNbnRkbG1obnBHMUln?oc=5) · The Truth About Mortgage
- 2026-06-30 [NBA Coach and Mexico, Missouri Native Tyronn Lue Celebrates Community Day with the Opening of O.G.'s Barbershop at the Garfield Legacy Center Campus - PR Newswire](https://news.google.com/rss/articles/CBMipwJBVV95cUxQOGV3ZEM1OHJyMUtyRjdBSzgwejJRcWZPV2dfOWRWc29VNk8wZ1E0YXJreDM3elgxNzNPN0trblFNTDRyUms4VDR0OVNDWjdiRUYwWHhmajFjVnNWLTFaZVo4UnRRbzBaSldFbTJiM2NsbjZYenBFSTdnSF9GX18zMzE2MjNmNmhnUWlCWnhKS2l6Wko3YXZ6U216RGg0VWtfZlEtMEo3R3NVOHBfSUVia29sd2U4QzNybktuLWhobzBweGtmVHB3Z2c1R1huU2VtVjZDRy1LM0RIRnV5NE9ZQ2M1ZkhhZlJSb2NUTG9rN094S3h2dFB1bkpERnpPV0dNWlNINDUzYzA1R1hPNWNHeFBkNDBiUnV6SnIwNG8wWXp2TzFXWjM4?oc=5) · PR Newswire
- 2026-06-26 [FIVE FINGER DEATH PUNCH announce 10th album with new song "De Oppresso Liber" - Revolver Magazine](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTVZfcEs4bWlJQ1B4dmpzMFFBQWw2SmNfeUdxbERaLVNsS1A4VUNodWc2eGtiTGNFSnZKQzBmRlhabS1EcDZRWXdOWFhrUG80NGt1X29rSEk3ampJZlZrZFRoSFYxd0hCT0FvSkhubXRicks2YlcwREdFWXBUZ1ZYZmZIRTNhQVYzV3hJcHprNWYxcUl3S09MRTFJbUdMeURacEFMN2FxUnVDZDBlWGc?oc=5) · Revolver Magazine
- 2024-01-10 [Legacy Credit Union donates $7,767.16 to Freeman-Children's Miracle Network - koamnewsnow.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPQlptLUxvVEFid2NLTjhYbjJ4RVkzMk5sMUVtSnN3VEhOdWdtTkozSDZ5UWJSMkVFSEdpc3ZoWWY4emVFWFJobUM1WF9oNk1vVkNGUzFXaTduR1EycjdaSS1XR2Y4S2oyWC1fS0UycUhnSmNyUkdCcE9YSS1kZkRNam5SdFNURG5XUEVza1luWXpPZ2lKcmpTTGwyMmJrSTA4U3BPWm9sSTFiSFBoUW1sV2hpRFk4Y1BWbzI2ODFUMDFET3J1cUU1NnU3dGJhTXNfNl9fcTN2QlA3dkFpZjlnOUdIY3B1b3NZS1UzT3kyTGpERnVxcnhWVHRfUQ?oc=5) · koamnewsnow.com
- 2026-01-08 [Black-led and Black-owned mortgage lenders - NerdWallet](https://news.google.com/rss/articles/CBMie0FVX3lxTFBqZS11eEJPcmFzeXZscWpqWHd2Y2w3N2d6NzFvZVhfOGhlVjF1VDJMUVpDN0FnRFB2c3VZd19mTmU3YWF1SzE4T0xXUzBDOHhnSFptT2ota21LLTFYT19JMGd1Qmd6SlNCVU5yRFhqSDZBaFk0OVkxOHJtUQ?oc=5) · NerdWallet

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64708 (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/4.json (key "64708", 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=64708
- 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