# MISSOURI BAPTIST
Jefferson City, MO · NCUA charter 64718 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/missouri-baptist-64718

Who the members are: state charter, organized 1963. 1,046 members of 225,000 potential (0.5% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 131.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.5M |
| Members | 1,046 (11.0% YoY) |
| Full-time staff | 2 |
| Net worth | $715,399 |
| Net worth ratio | 6.8% (p2 of band) |
| ROA (annualized) | 0.32% (p38 of band) |
| Total delinquency | 0.56% (p47 of band) |
| Net charge-offs (annualized) | 0.89% (p84 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 28.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.88% (p16 of band) |
| Operating expense / assets | 2.77% (p26 of band) |
| Vehicles % of loans | 50% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 157% (p98 of band) |
| Vehicle delinquency | 1.11% (p67 of band) |
| Vehicle NCO | 1.29% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 47% |
| Average share balance | $6,551 |
| Participations bought / yr | $208,780 |
| Participations sold / yr | $106,636 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 131% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $5,349 |
| Loans granted, annualized | $1.9M |

## Participation posture (from the same filings)

Bought $208,780 and sold $106,636 in the latest annualized quarter; $1.1M outstanding purchased (152.4% of net worth), $2,962 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 13.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | loans>95% of shares |  |
| 2016-12 | 1 | thin capital | loans>95% of shares |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | margin squeeze |  |
| 2017-12 | 2 |  | margin squeeze |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 4 | margin squeeze, delinquency 2x band |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | losing money |  |
| 2020-03 | 8 | capital below 7%, net worth falling |  |
| 2020-06 | 7 |  | delinquency rising |
| 2020-09 | 6 |  | net worth falling |
| 2020-12 | 6 |  |  |
| 2021-03 | 7 | net worth falling, charge-offs p90 | margin squeeze |
| 2021-06 | 8 | assets shrinking, members leaving | net worth falling |
| 2021-09 | 5 |  | delinquency 2x band, assets shrinking, members leaving |
| 2021-12 | 6 | assets shrinking |  |
| 2022-03 | 6 | 3rd-party paper>100% NW | charge-offs p90 |
| 2022-06 | 7 | delinquency 2x band |  |
| 2022-09 | 7 | delinquency rising | losing money |
| 2022-12 | 7 |  |  |
| 2023-03 | 6 | members leaving | delinquency 2x band, delinquency rising |
| 2023-06 | 6 |  |  |
| 2023-09 | 3 |  | capital below 7%, members leaving |
| 2023-12 | 4 | capital below 7% | assets shrinking |
| 2024-03 | 5 | margin squeeze |  |
| 2024-06 | 8 | delinquency 2x band, delinquency rising, members leaving |  |
| 2024-09 | 7 |  | members leaving |
| 2024-12 | 2 |  | capital below 7%, margin squeeze, delinquency 2x band, delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 4 | capital below 7% | delinquency rising |
| 2025-09 | 2 |  | capital below 7% |
| 2025-12 | 2 |  |  |
| 2026-03 | 5 | capital below 7%, net worth falling |  |

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

- 2023-12-04 [Paul Calvin Eklof Obituary Dec 4, 2023 - Speaks Chapels](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5RVV9UT3FRWGVPSTQ2NUxfUGtLVjBFdjJoWEFNTEVrOHNQczFDYjdmRUdBNlZxbEFXSTlYYi1Ob3MyRDdyME1WOC02Z3dLNVNIT2QwWHVoY08tVEhiS0h3?oc=5) · Speaks Chapels
- 2023-01-29 [Obituary information for Dale Allen Hoepfinger - Leesman Funeral Homes](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQV1Z3YUJEMm5QcDY5elVnektPR1FPY0pXX1EzZzRuLTc4eWNld2VKbURWVHdFeEI1am9UN0xUbTVwWk9QTGlDeFljSG9KUjcza1hvWmRrdFdFMGRfTXpvdXJmdExKekJEZ0JLeHUtbUhQMmpfcFhQUkdwVk9sSXBaOHVLX1g0dWtW?oc=5) · Leesman Funeral Homes
- 2011-10-11 [Woman admits to embezzling funds from Baptist nursing school - Baptist News Global](https://news.google.com/rss/articles/CBMimAFBVV95cUxQc1pzYm44eFdyeXFJbUNNc1VNOVFPV1hqd0xLTExLdzZ1NC0yQnNJWUlEdzBfSTVkYTdRcGtRR0ZwWGpDRTdTZWpHTzNTZ1JqN2RaNlFHSG1PaFRSeEQ5b1I1YU5fVmo5blRnTzhmVjF4OUdrNS1KMGYzWHZLNkRFaU04UUE2RXBBMEhBT1FxTjBFTnNsLUVtYg?oc=5) · Baptist News Global
- 2017-12-14 [Sharing faith, family with people of Merida, Mexico - fultonsun.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdUF0d3BPZXE5eW9CbzVMS1psT2wweWJFLTZOMGRFMHMxd0U0OU5nQ3lHZjkybEhuamZFWjFPTjlyQlRVR0N2S3RfQmZFN3NNN09IVkZpRU9rRmh1bUhHSEtKS05adXpYVTNiRFFmRE1ZT1FRVWNXbjBieHBXMGQxbzJsS29Vd2pKTS14bE00Qk1NVWQ0MFplQg?oc=5) · fultonsun.com
- 2021-05-25 [Former SWC Star: Eric McCrary Named New Alton High School Head Boys Basketball Coach - RiverBender.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOR1ppU2FocjJpZ2QyX2RqTmp0Sy1OSUxiN2ZZVjE0aXJHOEJpcFBHUjVnVkZPYUpESnhscnY0MUNiTE9jS0ZDX0piY05lMWt2SzZYaWhXck0wWE5PUHE2aEh2N1Z0cmgyakFWSHplTUpCVFg3QnI2dEY4NHZSeTlTM1hjVlcxT1lyMVBkLWowQ3IzME9qRGFkVnFvUC1EallJRjAzdTJmZ2pzWHlLZzg3bnJlYnUwcUN5WG01Qk9leDlSZ1JzWE5qZTF3ZEFDN28?oc=5) · RiverBender.com
- 2024-01-17 [Interim No More - Cody Markle Named Alton's New Football Head Coach - RiverBender.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxQQk1KV3RvcEZGWXNDQ0dhZTZ5bkZ1M0RyMHlET2hQbTRyOHJfaWxmZDg3VkczS3JDZGNhaE9ILWJsVkNyQmpWcDF6Ymp1OW5fYnpUVXRIaEVGVHZDd1FlSXhEWlRTY3RFWEd2bzJZeFRBbU50emo3QklrVGRhVGVzWElPR09EenQzWUtGUmVYSHdldzNYNEpVYmxGTTBMNU1neEtUN3h1SlFvMXFod29aLTk0RWM5MTg?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64718 (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/14.json (key "64718", 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=64718
- 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