# K.C. AREA
KANSAS CITY, MO · NCUA charter 64939 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/k-c-area-64939

Who the members are: state charter, organized 1946, low-income designated. 1,937 members of 5,400 potential (35.9% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 3115.

**Verdict on the desk:** this could be *auto monoline*. 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 | $11.5M |
| Members | 1,937 (-3.9% YoY) |
| Full-time staff | 4 |
| Net worth | $2.0M |
| Net worth ratio | 17.1% (p63 of band) |
| ROA (annualized) | 0.41% (p42 of band) |
| Total delinquency | 1.10% (p64 of band) |
| Net charge-offs (annualized) | 0.53% (p76 of band) |
| Loans / shares | 39% (p23 of band) |
| Cash / assets | 65.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.01% (p86 of band) |
| Operating expense / assets | 5.00% (p79 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 100% (p97 of band) |
| Vehicle delinquency | 0.69% (p58 of band) |
| Vehicle NCO | 0.37% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,682 |
| Participations bought / yr | $1.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $980,015 |
| Loans outstanding per 100 members | 3115% |
| Loans granted per 100 members, annualized | 2307% |
| Average loan balance | $61 |
| Loans granted, annualized | $2.0M |

## Participation posture (from the same filings)

Bought $1.2M and sold $0 in the latest annualized quarter; $980,015 outstanding purchased (50.0% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -1.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | margin squeeze, delinquency rising | expense trap |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | losing money, assets shrinking, members leaving | margin squeeze |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | losing money |
| 2019-03 | 3 | delinquency rising, loan book shrinking | assets shrinking, members leaving |
| 2019-06 | 5 | net worth falling, members leaving |  |
| 2019-09 | 3 |  | delinquency rising, net worth falling |
| 2019-12 | 2 |  | loan book shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | net worth falling, delinquency rising, loan book shrinking |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 5 | losing money, margin squeeze | delinquency rising |
| 2021-03 | 5 | delinquency 2x band | loan book shrinking |
| 2021-06 | 4 |  | delinquency 2x band |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | members leaving |
| 2022-03 | 4 | net worth falling, members leaving | margin squeeze |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 4 | assets shrinking | delinquency rising |
| 2023-03 | 2 |  | losing money, members leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 7 | delinquency 2x band, members leaving, loan book shrinking, 3rd-party paper>100% NW |  |
| 2024-03 | 6 |  | delinquency 2x band |
| 2024-06 | 7 | net worth falling |  |
| 2024-09 | 4 |  | delinquency rising, 3rd-party paper>100% NW, net worth falling |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | loan book shrinking |
| 2026-03 | 4 | 3rd-party paper>100% NW |  |

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

- 2026-09-02 [CommunityAmerica absorbs local credit union put into conservatorship - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQV01ZNms1Y1A4UHZrY21jazU3VXZ1Mk8wMVJyTHQ1NEVWR2gyU2RNaTFQUFItZmlPcXdvNlpjN2hzVWgxUHh2ejAwU0FqRWFSQkVsNWdCNHFZRHFNa1R6UjhFT3gzNnZZdEdHQXpYSnVhQzVaeWhCczFtbF9iaERPSDdVa2ZzTG5YS0hPNUd6bmphTm1ybmZIaEtZX2JVYWQyUHBVaXZ0R28?oc=5) · The Business Journals
- 2020-01-31 [How CommunityAmerica Credit Union won the Super Bowl - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOdlJ1RGs3UTNjOUUzS2hidkNaWER6NjJsWmMzWVJqekh0SFl3S2ktbEt6U3dCSnZ3UVJsTS02bjlZLU85dGFqUTExNzBTVG8xdWZKWkVSNzE4cWZxNl8yUDQ1dWZ4TWUxNzRPN1hsWVkzaldYTnpraVpIRGh3ekFsVDJnVWpJeFR3a0o2NFZmcVJkUnhLSTlySkNTdDQ3b3gzRENJ?oc=5) · American Banker
- 2024-02-08 [UCM warns of hack as students lose financial aid money in scam - FOX4KC.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQa3p5T1oyaDF1cjJKbnlMT1ZObU55RGZRbEZvbEtvU2dkNEUxd0h1eTNpWVpyOE9EbEZaRzcwLTVDd2FuLXR3NllSZENXS0czdFhNd3NiSG5rRWFHeU1wZlpOcHNmRUhDUFZsanQzVWhpdmZoS3c4blNxQzZiVENxNHNnR1V1b3phQWtnaGduRHJNRjRpZ1RVWFFVTmNiQ3NEZ25La2Rn0gGrAUFVX3lxTE9mQTZ0bllkejBOelZGaENqUktPci03N29FVGh2X0QzMDFPa2x3TWNfb0oyRHk1amhGY3VrV2FWWUNyQ3dCMkpHSHhXclVQLUFoN0M4cGJUMExmT3hGSEZiLUVpdjVVaWhqaHhYRGI2bjJxbkJxa1NaajRUMDNfcFB4dGUwQ1R2M3FRSUFUUU12Q2lSMUZiYXh2dklGRmZ4cVluSXk1UzQzbUZtVQ?oc=5) · FOX4KC.com
- 2023-05-22 [Former KC-area credit union boss lands top spot at Arizona's second-largest credit union - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRlJxR0lfUDhsU242WDg0bDQ2UkhpU21DMlp5SXk0WkIzaEdjSlpkR04wcVBPQi1RMUs2VzhmVTN5Z0NnUUNtNGw5Ty1zakx1dXg5b2FPRTloaFF0TWFVcDc0aVFjR0E1S1RQSzNINXUwQ3lnWjVrOUtsXzk3Ym5Fd1lraF9aaHdmSmtjS0VRbjdSZUVJaUJuS3BzLWlJNkFC?oc=5) · The Business Journals
- 2020-06-21 [Kansas City area’s Class of 2020: How many of these 22,987 graduates do you know? - Kansas City Star](https://news.google.com/rss/articles/CBMia0FVX3lxTE12M0JRMlMzUHl2Qmxvb0tFU3dJRkhCMlFFbmxZX2VsU3JmUmhnVzJHelVRYW5CMHlwMzhBekg5MUd1V3VoanVOWGZiNXo2UjRLZVBVR0tmV3lacVhYNTIyVG16ajdQZl81LUQ0?oc=5) · Kansas City Star
- 2021-06-29 [KC grassroots effort taps $225K funding pipeline to expand DEI education for KC students, corporate training - Startland News](https://news.google.com/rss/articles/CBMiZkFVX3lxTFB1TE93LVRQOVVxQ09lTENodXpiYmdDT09sbVVyNjBidmtnM1BvRXpNck5QV0R3V1R6bGl6Q3NtOEpsSmVGVGRBVS13blFaNS1sc1lCUDZpNjFzXzVwVzBlUkxzQ1hPQQ?oc=5) · Startland News
- 2023-02-13 [KC-area man sentenced for arson, insurance fraud conspiracy - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTFBoSXdyTEhVOExsTHA1TUdqMmpFNzVvRzZIZndWRW1UZ0RjT3R6S1h2NFo3eFp4bUlNdmsyd0QwSHJ1YW1HcW5sR0x3ZE1LUmRTZjgwWHlXZ2QzQzRJOENBNEtfVE85ekZuNlhDZ0FPM1ZuQQ?oc=5) · Hutch Post
- 2014-06-30 [James Cady Obituary - Kansas City, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQnVDUUItb1o2eXg3V1g4NDQ2ZXIyeHpVODRQbFNsd0ZNN2UxZkpJYS16aWNPQ19CSlEzQXBaNmZDcVIxWGQ1M3ZRQURhWkRpd0NReFZXYVdRSGZVX3VnSFBYaU1wYTgzckNrODNqbXI1ZVhsTDVvc3NNTjQ3S1lBbXJn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64939 (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/43.json (key "64939", 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=64939
- 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