# MISSOURI
Columbia, MO · NCUA charter 65656 · asset band $500M-1B · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/missouri-65656

Who the members are: state charter, organized 1969. 36,693 members of 407,443 potential (9.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 227.

**Verdict on the desk:** this could be *too clean*. 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 | $593.1M |
| Members | 36,693 (-0.8% YoY) |
| Full-time staff | 76 |
| Net worth | $57.4M |
| Net worth ratio | 9.7% (p39 of band) |
| ROA (annualized) | -0.24% (p9 of band) |
| Total delinquency | 0.16% (p8 of band) |
| Net charge-offs (annualized) | 0.27% (p29 of band) |
| Loans / shares | 58% (p11 of band) |
| Cash / assets | 43.3% |
| Borrowings / assets | 0.02% |
| Net interest margin | 2.82% (p23 of band) |
| Operating expense / assets | 3.59% (p56 of band) |
| Vehicles % of loans | 85% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 315% (p89 of band) |
| Vehicle delinquency | 0.19% (p10 of band) |
| Vehicle NCO | 0.41% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 17% |
| Average share balance | $7,765 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 227% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $3,690 |
| Loans granted, annualized | $115.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, net worth falling |  |
| 2021-06 | 3 |  | margin squeeze, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 5 | losing money |  |
| 2022-06 | 3 |  | net worth falling, losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | losing money, delinquency rising |  |

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

- 2026-04-07 [Two Missouri Credit Unions complete legal merger, expanding member value and community impact - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbDlDT1VoUmJzRXpEQVUtUDY4VGJpRGVJYW51Vks5c1h3aWFGRUdZdEJxZVdpcEhjOVljU0ZDWjRmNzBSMWFSaFhyLU40cEdzcXdzQ21SRHJ2OVVjTEZaV1U2RkYwRFJvNXFzX1JWVlJ4R0x6QXpuZW1MZTBYd0t4dFJqR3JmU0RWbTdKc0l1MlZHelVERVdGMVB4eEZWNUNYWUdTMngtSF8zZGU1MHhwM0Y3RlRtc1dMY2FGbnI3UFJFZXpvV3RTZ3pLaG85Zw?oc=5) · CUInsight
- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 2026-02-25 [Sweeney appointed to Missouri Credit Union Commission - Christian County Headliner News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdUxIZzRBZjNhNW5tSHZpSU1md2tHdktvbVVZX29rZGNwZWsyZXlHd2RQdGpKUFBuUzRaWXpZZldJbHV3aDhuYWNtSE92ajZ2TmdrUHdTZ0lBbkhZUEV5RUd4Zi1FMlpSN0cyZ0xybHN5QlkzZFFPMEk1ZTBlTk1nN0dRQThDY1NFU0ZfQWtHUm9zLWtOXzdV?oc=5) · Christian County Headliner News
- 2026-02-04 [Multipli Credit Union’s new building to be completed by early fall - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZjBWVXI4aGZIeDh0TEJfNkFYR0kxVVlwZXhpelFvMFNpdEJSTjBXX2xuZ1BxTXRIaG5zeW54djVNLXloTldNMDhONm9oSkZKSUhROVdDWEktWTFWZldMRXFkUzVqVjVjckNmZUlNT1BDT1ZFdFBNOHk2ekJBZG5uWVZpTE14RzAtdHFrbTZRSjM?oc=5) · Jefferson City News Tribune
- 2025-02-06 [Missouri Credit Union and River Region Credit Union seek acquisition approval - KOMU 8](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPRXFENHlnT3N2azZFbG1ST3p6eE5OdnJzMTRjd1VLWGFSV1FuUlNBdUpOOUhLRVNMR3V3ZVplUmpVMnM1LUpaUTZKTFNKSF94WHZMckc3dHVBTWg2TDZ6QjEyZWtPcThHY3BlZEE2bDhOZ2FHd1BoV1JDNmJQYmYyWndxT1JHRUlOTUNvNDBlUzYwaFY1TVU2WDFEaFRuQUQ1ZjNZN1VOUmt3ZXEtMUE2ZzVjM28yUVM2RTVpMEE1N1JKazJBV0xuNUlpLUhnSXN6ZTE3SlBPTnJabm16X1dEeVZNUG03QWt6dVdaTE9TMkpvUGt3UmkzWWdlRXJuQQ?oc=5) · KOMU 8
- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2025-11-24 [St. Louis credit unions plan merger to create $700M institution amid rising costs - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmlhRzdzUDVTTmhWX1pOSU1KU0d4akRYVzBiM1VIajRjZWFoRm53ajBUYXNTUm4zbkItQmhnc0ZUeGRPdWdiSTc2LW5ENFFzVTMyeDBLdWR3MUJsM3FIS3hzM01JWW9UTkZJUTVMMjRpLVZEcjB0YVlTWmladGhHbzZubmNrRXRGdWJkcWxWSk5wUzNmdnY2ZndWb1NKQWFKaG1UdV9NQVpldw?oc=5) · The Business Journals
- 2026-07-10 [NCUA Conserves Missouri's WeDevelopment Federal Credit Union - CUTimes](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSWRESDhpZWg0SDhFZWZCaDNnM2F3UW5ycEZxdDFISDczUXNhZ0cwQVpfcDBOalpLV1FXLUpodkJBeHFETnl4OG4xV3pucUtSTDhmMVowcHBtR01nam1rSXJuaEk0NmQ1eW96N1ZBYzBlMXJRcEJxb01FMzEwVklmcGFtZlMtSG01QmlLVFZWSzQtSlA4VVF0c3ZyTQ?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65656 (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/56.json (key "65656", 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=65656
- 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