# MID AMERICAN
Wichita, KS · NCUA charter 65378 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mid-american-65378

Who the members are: state charter, organized 1936. 47,000 members of 1,000,000 potential (4.7% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 55.

**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 | $521.0M |
| Members | 47,000 (2.6% YoY) |
| Full-time staff | 113 |
| Net worth | $47.1M |
| Net worth ratio | 9.0% (p20 of band) |
| ROA (annualized) | 0.98% (p72 of band) |
| Total delinquency | 0.50% (p41 of band) |
| Net charge-offs (annualized) | 0.52% (p59 of band) |
| Loans / shares | 109% (p98 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 5.85% |
| Net interest margin | 3.59% (p62 of band) |
| Operating expense / assets | 3.28% (p34 of band) |
| Vehicles % of loans | 73% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 93% |
| Third-party paper % of net worth | 755% (p100 of band) |
| Vehicle delinquency | 0.52% (p45 of band) |
| Vehicle NCO | 0.81% (p49 of band) |
| Repossessed % of vehicle book | 0.22% (p82 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 35% |
| Average share balance | $6,380 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $18,289 |
| Loans granted, annualized | $229.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $3.5M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 13.5% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | charge-offs p90, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 |  | charge-offs p90 |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 6 | losing money, charge-offs p90 | repo signal |
| 2017-06 | 6 |  |  |
| 2017-09 | 5 |  | losing money |
| 2017-12 | 4 |  | charge-offs p90 |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, expense trap |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 | net worth falling | expense trap |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 6 | thin capital |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | thin capital |

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

- 2026-04-03 [Mid American Credit Union names next CEO, plots northeast Wichita branch - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPR0Jtb0ZncFBIblNrejZuOXB6cFowbnVIR1dmUHlWR1JwaTdzdmJrdTVNVlRvdXFxc3QwYVpGV1pEX3VON3BRc3RTSU9vdHpwdjBOVFZhSUpwdVlXTzJtZGVVdDFkdnVMakg3WW9hNEh1Q2ZfRnM4RVdURmN6UllyUHoxRnBiajR2YUQzaGhBLWgzVTZxcEdzUzdwcUM4bTg4ZzhuNlBzNkZ0azg?oc=5) · The Business Journals
- 2026-04-01 [Turning 90 is a big deal, and so is the growth of this Wichita business - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxQU3Q2b2gydXU0TlVoZFIyRm5FbXlUQzhnQnZCZ3VneXBwcnQtMmVpa0FLQVZPRGdTQlZaQVA5ejlMaEpETnBoejN5bnk1cUZyODVGQzAteFVqRFpIWTdzNzlZMjhKNm0wS2tDUV9rSV9oT2VqM0doY3JWTW9JZkg3QTNocWJXVU1DSlJfLXRDaEdJbVZXOWfSAZYBQVVfeXFMTzVaR2VURVRoTEZVQlhCODZwX19vemd3ckRPczVwMVE3SElWRW1ScU1OX3dZMjVsT0l2ZFhMZ1Fjb1M4S0dJamtEb3ROdkd4cGhla19mbGZLanM1ZGVwNDVzUkhYYktrdlNaVU5jTExxWWY2YjlERTcwektZOC1WM1k1SWlPWnduVW11cWJXLUtVUWJFT3d3?oc=5) · Wichita Eagle
- 2026-04-08 [Mid American CU Picks Insider Kayla Stading As Successor To CEO Brad Herzet - cutoday.info](https://news.google.com/rss/articles/CBMisgFBVV95cUxOUmxXUDJjZDlaR21RdjA5UWV6dVNrMFF3Z1QyV2VMb0pVYU9lRDVLRFJsS3RWYVZodGY0T0ljU0pQZE5nNVZ0ME9pOC1FZVNYNktXTlNOOXgzWHBQVzVWeUZZRmVlQVNfNGM5eXNzUHRMU2hxVTU4T1h3V05VSEpmaXVOeFdmQ1BGdWdYOHhwRHo3MDJSMnFYemU1cDN6eWhVUk5XSWFkZGtMbWlFaTNXUVd3?oc=5) · cutoday.info
- 2026-01-16 [Greg Teter, Mid American Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOdng4UjMtWm9NVG1UM2VMalhCWHRKY21xTTRSNnFUcTlhUDZwSkM3aWNyZkg1aHFHWjZ3aXJxTlFhUU42Wm1BZDhsRkxMQVVETnlBaGxNZThrS0kteGRXSDRrVHYzS1JHVmJsanlmYWh4c0U4Y2FhNzlvbUxGQTN6RU9VNjRZZGpucGFBVTdFdm1QWVZScjMwWE1BSVNPU1c1bGdhaVZQUFNEdW96V1JR?oc=5) · The Business Journals
- 2025-06-30 [NCUA Bans Former Employees Who Stole $878K From Credit Union Accounts - CUTimes](https://news.google.com/rss/articles/CBMipwFBVV95cUxPRk12Y0FHTTlSMlI5Z3F6TDhBMjVUTVZrUDV1eThzZEpMUTdVeVRDcHp3SV9weHRtTktHZWFCLTN5cHlXOWM4Y2RteDRwblZfR3lwWktSTF9LYmxkeW5pVTRYc1BYTVczU18xY1d5NGhtaHhpaFhBTEowb0t4WnZTQWFxSWc1OXdweFhSaFVPNTdSQmtaVmluLTA0UzVGdUlCVkpCT2c4WQ?oc=5) · CUTimes
- 2025-06-24 [Robert "Bob" Wayne Thurman - Downing & Lahey](https://news.google.com/rss/articles/CBMia0FVX3lxTE95ZFNteUlwaHczRzVzbkxmNkJWLVZTT2xROVFWelktQ183OFpsckY1T3ZzVUFKWHMzdF9qd0ZKNlBPZ2RSMkNIMksxLTZYeXB2RGtEdmh2R242clRCaHVJNGFVajR1RVR1VExn?oc=5) · Downing & Lahey
- 2025-08-17 [Donna Belle Reimer Obituary Aug 17, 2025 - Petersen Family Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE03bjFkMm55bThaNHZPRTU1QVZRT2VqYk9PRlZWTk5IajFXejZIYV9zbF9nanZCUWZQMHBhLTV2RV9tVkJfdW1QcFpzY0ZEamR1bjY5VGRNS0hQRHdsYl9TWXVtU2hWbXpSd2ptVEVNeGg3a0U?oc=5) · Petersen Family Funeral Home
- 2023-06-29 [Loren Edward Tracy III Obituary Jun 1, 2021 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5LTGk4V0dhczRLcWkzamJ3LVd5UWhuZURwd0FDbkV4Q2RjeE52M21pN1VhWFplUldGWjFWcFBpMEF6d0RBbEcwWE1vMzBrVnprdTFIYzVSWkotbXdxUkp0NVFvMFo?oc=5) · Cozine Memorial Group

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65378 (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/34.json (key "65378", 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=65378
- 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