# QUAKER OATS
CEDAR RAPIDS, IA · NCUA charter 64991 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/quaker-oats-64991

Who the members are: state charter, organized 1952. 1,293 members of 5,000 potential (25.9% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $13.4M |
| Members | 1,293 (-1.8% YoY) |
| Full-time staff | 3 |
| Net worth | $2.2M |
| Net worth ratio | 16.5% (p59 of band) |
| ROA (annualized) | 1.41% (p83 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 56.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.74% (p81 of band) |
| Operating expense / assets | 3.73% (p53 of band) |
| Vehicles % of loans | 68% (p60 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% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 2% |
| Average share balance | $4,267 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,475 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2024-10-11 [Banksocial announces the addition of Tom Kane, President and CEO of the Illinois Credit Union System to its advisory board - CUInsight](https://news.google.com/rss/articles/CBMi9AFBVV95cUxORXVYSi1fMXRVVHFINFlmbkJnQ21MeDdmWlFoM3NzLXl3ZUNBLUhhT2VJdXJhWVM2b3pjUm9YWGVodmdUbzRFbWhGQzhQMmlhY09jbERaMlhNRnNqWS1NYmVVbHpaal9DUDdqMmh2c0xlZlk3VHRKMkJ3MDVhQ3VVVXhhVFd0RmFYbGhQVFEtT2R3T0gzTVBNcjNINUFBRkRkUUlneWN2V09kRXlsalpHM01aZFZFYm9FSTVza1ZRREN3ZUJ3UE82SmpnWnlpVE95bGd4SDBRRm9UaV9zUGt5NnQwVDZjMTRyd3BzY3h1TkdNc3NY?oc=5) · CUInsight
- 2025-01-02 [Former State Senator Cloyd “Robby” Robinson Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9DR0M3X0JXaThoS1BLM044aU1ZQUxZSUFramNIOVJ3UUxpa2Voem13UjNpbjgyb0o5ZDJwZnBpWnFDQmhwUGpfRlpsZlNQenpRYVRJeDVJQ01JdG1JaTAyV1ZYMnBsMEE?oc=5) · The Des Moines Register
- 2026-04-25 [Wilma Johnson Obituary Apr 25, 2026 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMia0FVX3lxTE9DWklCazllMHFaOWRVU0JSQkZzblhTclNwQW50RjI5c1k0eDc3TVpqN3JabWVKQzlnbngyLXhLd1JwNW5hRWtnSndBc05fRDZrUkRHS014amN0QTJDVzJjTUtNTENQWjV2d1kw?oc=5) · Murdoch Funeral Homes &amp; Cremation Service
- 2017-10-27 [Patricia A. Chapinski Obituary Oct 27, 2017 - trimblefuneralhomes.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFBPQXl2RjJnRDNjYmRURWRFZlhvakxtTWRiSFl4dkg1c0Q5RlVFalBxZ3dzbzJBQVFUN21mSHBBSkNrd1BpSXp0ZHhpMnJ1SXhKd056dVVsa3dXWi1POVNyY1FxbExvaDRtV2dkNEdUaGkzek1rREE?oc=5) · trimblefuneralhomes.com
- 2025-06-16 [$1.75M TwinStar Credit Union overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQYllZQVdMQkhpQzI4VW5qQjI3aXg3Yno4cDdISHZlUTRGLXp5bjBVZEtxeGNUMkdjc25TNHVpTTdsR0VSSEJYSW5QQk82OGFxajlSZ0IzWFFuQjFtTTdUcGc4aTlnVDAwdW5wa0xjeWNtdmtWVWpuTmN1bmQ5bEZ4Nk9iemxNVzNzWTVLX00zeDRGWGdhVnNUcVBrYWZvMTFEMFQtbmszeU41blZzbmR5N3FMTHZwaTgxRkRuM25Ec3JVajIwd0pvY0xaLWFRMm1COE5WMjE0Zw?oc=5) · Top Class Actions
- 2016-05-10 [Melvin L. Kennedy Obituary May 10, 2016 - Major Erickson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE4tUlhBeDdEcUkxNUI1Y0hfMFNBUkFTXzNJRTRaSTN2bXBndnR6R1pYMW0yd0szVU1CNUFSbEZLcjlhRnF5SnpWR2hFR1cxNGNmSGExRm5xWmR0cW9xaWNxSGFjaXd0eVNVZXVfa1dXcEs5RnU1LW13?oc=5) · Major Erickson Funeral Home and Crematory
- 2013-06-12 [Downtown Farmers Market in Cedar Rapids features sports theme this Saturday - Homegrown Iowan](https://news.google.com/rss/articles/CBMipAFBVV95cUxQcUU5UHEyZWRIU1RoTEVPeEVJTTBYNkRpbHVEa0FzOFVkN3BzdElCeWxoM2JRQy1vNDdJeDViVmxEVC1CVjBqd1g3dmpTaXh6S1JoUFBUQjgxRjRQYk1QZmlsZVozNXlDNUg3Q1ktYXJrVkVQRU04d1Z1QUJCdnBsNnB5dEN1SW5LUUozYmNLX1NiMENnOFViYl9BNFBTRmQtbThrbQ?oc=5) · Homegrown Iowan
- 2025-06-28 [$6.75M Quaker Oats class action settlement – Claim deadline approaching! - Top Class Actions](https://news.google.com/rss/articles/CBMitgFBVV95cUxNM0ZLM3hvSmlfd20yMzIxNWZKdFJZRnlrS0JXTGsyWmRfVjRzRVNKeXRGTV9SX3Q4NklULWNNTm5GLU9WVmpHTkl5Vks4Tjh2YlFHQ05KLWNGYWthUnhlYlNocXF4dGJXTEprazVBZnVZWm5nakhidFpnQUF4dERpajJjc2N0enROZ2NtYjFBS05qMW9rQVE5RDY5QnRuZ09od1BfNkhMd1VTUHpCQXR5TDZWeXp0dw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64991 (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/31.json (key "64991", 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=64991
- 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