# QUANTUM
Wichita, KS · NCUA charter 67187 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/quantum-67187

Who the members are: state charter, organized 1938. 11,013 members of 820,350 potential (1.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $140.6M |
| Members | 11,013 (-1.6% YoY) |
| Full-time staff | 36 |
| Net worth | $15.8M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 1.00% (p68 of band) |
| Total delinquency | 0.24% (p20 of band) |
| Net charge-offs (annualized) | 0.34% (p51 of band) |
| Loans / shares | 88% (p87 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.52% (p88 of band) |
| Operating expense / assets | 4.31% (p73 of band) |
| Vehicles % of loans | 59% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 293% (p95 of band) |
| Vehicle delinquency | 0.37% (p35 of band) |
| Vehicle NCO | 0.90% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 28% |
| Average share balance | $5,960 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $18,296 |
| Loans granted, annualized | $36.0M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-01-17 [Kim Bahre, Quantum Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTkRGRTZHRU9SS1Q1X3N6dlktQ3VYMmUzNWdLRTAyOG5rSjE3dG1sQjZreEFIUkZfRWE2cTNHMTM3d0M4eWo5VDE0Wld4NEI5QUhqYTl2VUU4VWViVDZ5cjc1YWwtS29qYUE5dVZNV3E2Z1UyYXpLSUk2YjZJRWt3T1hPVkZIY2ViU0MtVEdsbVN3VEpGd1otNjZ4TXM3MTAzdnhLUWRPcw?oc=5) · The Business Journals
- 2026-08-22 [Charles Jacobs Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxONVNXSTBXemVjYXB6SkJ0bUVUUkJaN0hDNHlzeVJWZERQOVczT3g0Z3NHZG43RjFzMHBpQmcyZk9Sb0p0bU5ZNHNTRG5BdTVEVGlIMXNidzM3WTMzeFpadUxzZEx2ZGk2WFVHem0wYVl1N3l4M3ZGalZBY0hFZi1qcTFqVQ?oc=5) · Dignity Memorial
- 2022-03-14 [Quantum-Equishare to merge - CUInsight](https://news.google.com/rss/articles/CBMidkFVX3lxTE00N0RjdExRUVNua29URnZsaVJBc25RY2p4MTZHRkpTclB3S3pQMWl4NEhXODZlZldRcFlIRW02dUtzb2xhZ21NTV9LZVJidzdneEJEaXBkbGtCQnNsZmNOVXR5ZkZxN2kzYzZvS1lzWWZhb2NzVWc?oc=5) · CUInsight
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2016-12-07 [TECU Credit Union takes a Quantum leap - kansas.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSU1Zem5xQzl6WktPYmVxM1N0RUl1Vlpmc1ppd285Wmd6MHlENGpMSWVuT3B1eElXaUFrOFp5a25kMHlGd0puYzV6RUFEVUsyODhpclVuWU5QRGxFR0o0RlVaNmh4UkgyODB1YU1zeWdFQkY1bFFuR1BBRFJjcnAtYk0xQU5adW1DRV9yWmhRTXg0SGxq0gGWAUFVX3lxTFBGS0x3YzlCaUY3bF93NHlfQlJXS3BYOEFrR0xoemczQ3BNY3JmZ3BFVi05ZWV4MDl4Szl5dDlZeW1oakNfcVYzbEVDMWt4bjJ5M3JtQzVEdkJySHlkZ1E1b2FGWEdrbTk0dnY0Yk9td2RrX2htMjR3SW8tVzJvRDVINWtwcmtyMS04aG0yWTZvTDhkbmQwZw?oc=5) · kansas.com
- 2025-09-18 [Wichita finance sector reshaped: Mergers, expansions, and new players shake up local banks and credit unions - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZWw2bWZWMElsZ19nVnFGUFQ2eWVNckNEaEJaRnhyRjFvS1J4VDdrOTVEcUkzTE5keDg2WkhBZFZoQXI2MElHUjIzR1NobW9MOWdnb2lMMzY5RlVyRWp4ZkEyYXRDV0QwN1d5VjN3MFBuVjFhQUxfUXpLVzExLTVMd2tnajNxUGFzUGVqUW5rc3hTTE9DMjc4V0VnamRLek1pYXg4NjZmeEtldw?oc=5) · The Business Journals
- 2025-12-05 [Meet the 2026 CFO Awards honorees - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbmYtdzhiX3E3WktocnJNRDNwR29GZF9nMmlwZzZZSk5pdDJxZTVfYk1MUkROVzR1SE83b1FIbEZGVmkyR0hJcEhQSHhHMGJmQWhMNEl3ZG5yWWhHWGpUQlJteTVac0w5OTJjSGh0MGtDbjBiOTdkUlZ3cTM4RTFMZDVBSS1EbUY2bWcwUDVn?oc=5) · The Business Journals
- 2021-09-30 [Wichita Riverfest 2021: A complete guide to concerts, river events, tickets and more - KSN.com](https://news.google.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?oc=5) · KSN.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67187 (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/51.json (key "67187", 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=67187
- 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