# ATLAS
Hannibal, MO · NCUA charter 67682 · asset band <$50M · 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/atlas-67682

Who the members are: state charter, organized 1936. 50 members of 150 potential (33.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 54.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $381,276 |
| Members | 50 (-67.7% YoY) |
| Full-time staff | 0 |
| Net worth | $70,146 |
| Net worth ratio | 18.4% (p71 of band) |
| ROA (annualized) | -6.02% (p2 of band) |
| Total delinquency | 0.00% (p9 of band) |
| Net charge-offs (annualized) | 0.00% (p34 of band) |
| Loans / shares | 74% (p70 of band) |
| Cash / assets | 40.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p30 of band) |
| Operating expense / assets | 9.33% (p97 of band) |
| Vehicles % of loans | 91% (p97 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% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,067 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $8,466 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 | auto monoline | delinquency 2x band |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving |  |
| 2017-06 | 5 | net worth falling, loans>95% of shares |  |
| 2017-09 | 5 | delinquency rising | assets shrinking |
| 2017-12 | 4 |  | net worth falling |
| 2018-03 | 3 |  | loans>95% of shares |
| 2018-06 | 5 | net worth falling, loan book shrinking |  |
| 2018-09 | 6 | charge-offs p90, assets shrinking | net worth falling |
| 2018-12 | 4 |  | charge-offs p90, assets shrinking |
| 2019-03 | 4 | losing money, margin squeeze | delinquency rising, loan book shrinking |
| 2019-06 | 7 | net worth falling, assets shrinking, loan book shrinking |  |
| 2019-09 | 4 |  | net worth falling, assets shrinking, loan book shrinking |
| 2019-12 | 2 |  | losing money, margin squeeze |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | net worth falling, losing money |  |
| 2021-06 | 5 | margin squeeze | losing money |
| 2021-09 | 3 |  | members leaving, margin squeeze |
| 2021-12 | 4 | members leaving |  |
| 2022-03 | 6 | losing money, margin squeeze, delinquency 2x band | members leaving |
| 2022-06 | 3 |  | delinquency rising, net worth falling, delinquency 2x band |
| 2022-09 | 2 |  | margin squeeze |
| 2022-12 | 1 |  | losing money |
| 2023-03 | 6 | losing money, expense trap, margin squeeze, assets shrinking, loan book shrinking |  |
| 2023-06 | 5 | members leaving | expense trap, margin squeeze |
| 2023-09 | 2 |  | losing money, loan book shrinking, members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 5 | expense trap, margin squeeze |  |
| 2024-09 | 4 | loan book shrinking | expense trap, margin squeeze |
| 2024-12 | 4 |  |  |
| 2025-03 | 7 | net worth falling, expense trap, members leaving |  |

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

- 2025-12-04 [Guns N' Roses share two new singles "Nothin" and "Atlas" - Lambgoat](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUXJNZG92U0NXOTI0QXNHU1lwRFZid0t4Q0thbi1rdjVaV3RZQ1ZYdTRlVHhmWVFKYXRMMzd6dHlpb2RtdEU3T1QyU3VQUExuaGRkUnNlb19RZDBKYmF3LTVKX2dYOUVZUzVteGNXbVJJcW1HaEY3M1NCTmZES29uX1pwekNTUzdHaHpwQg?oc=5) · Lambgoat
- 2025-11-24 [Guns N’ Roses Announce 2026 World Tour, Prep Two New Singles: ‘Nothin’,’ ‘Atlas’ - Billboard](https://news.google.com/rss/articles/CBMioAFBVV95cUxNamxrTHh4aGRsM2xoWlV4Z3dNeXp0eDNDZDFvM1YzcnNHbUhSU29BRmFZdFA1TVZIb3lmU3JJbk9OM2ZXNW5XYnRNYkp2MkRPVEx1cFZhTHZEVnRCcDFfcGs3Q0lSbkhIZ3J2LXpQUml5aDdMNm80alg5WmY4ekNXZ1lUNkVwZ1daSk5jT3B4UUtKU2hHdXEtR3pKbEpXbHFX?oc=5) · Billboard
- 2025-11-24 [Guns N' Roses Announce Massive 2026 Tour - Over 40 Dates - Loudwire](https://news.google.com/rss/articles/CBMiX0FVX3lxTE52ZGxPby1NSnA4WFB3ZlV5TFFZN3VJbDZCUlNCbVpaZ0txc3BYYVphcEwtZ2R6V09SMXM4dTRxRGVLMWdyQXlhMldMTWIwbzUwUjV2MzRvc2stXzZXbFN3?oc=5) · Loudwire
- 2024-12-24 [Vera Morgan Obituary - Muncie, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTFAtdFlzN0JnY3g1Wlh4VW93eldhejBuWk4tY2V4WFRUV1lURlJUbXdxUXFzTUJmTmJWdzMtWHZjbDQyTGt1RHlnblRGQU0yVExVMGZScTJBMzFDS2ZMZzhrWjVZb1UxLUQ1ZnVaandDSWtUVWE3NXNub3dLMTBVUQ?oc=5) · Dignity Memorial
- 2024-11-25 [Meet the 2024 Top Workplaces winners for Austin area - Austin American-Statesman](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQMDVETDNsTDhGalYxSW8tNWdVSWVzN0s0Q2s0dUNqNDNuYXp2d1FnTG9nLVA4VzcxSjc1WnhESGIyUzg5SVhVazRKTFRXYWdzaW5JSG40STJ1NmpzTXJVbm5vdG9FcUVfYVB3Q2kxU0tISFo0TEZzUFlsaTZIa3UxaVZvdDVzYTAwU1VzbGtfOWlQMDNIVHExNU12ejlhVDlxTzJSWEVlZUtpWkY0aVZlS2tFeGtQZW5z?oc=5) · Austin American-Statesman
- 2025-06-02 [Volkswagen Atlas seat latch class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQNjhVWVV4dmRTb2d4X05kN1JUZzZCNzdvWlctMTMxYTlSZDFsZ01wNW5Cb3ZiREk2MGhlMmFZUFBSbEN1b2lHUTZjWGstZTNKa2JOeDRZSUtSQktic3VWNWpuTGVUTXJJb0ZGcm52WVNuZGR5ZzRYYlViX1ZmTmFZUWhOYkp1eU5pczR5NVpScXh5bE5oR3B4blBubVFTbU14Z1FZNHNvbGVzRjNOYnlyaW9ib2JVTWxnMG1sZHhqbjNjQ0E?oc=5) · Top Class Actions
- 2021-01-22 [Robert Watson Obituary (2021) - Welland, ON - Niagara Falls Review - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbXBVNl8ydEdaY0FPRXI5ZXNIRTVqejVQQkNOamotU1lxQ3ZTc2c1Vkw3cU93Q0lZWV9BOTZCZTN3NkVGM0lYdFgxeXZQdnRVXzFnRDdveUF1ampGSWI3NTRjSDhUeHhCck1waFRnSXFIZ2JxRl9JcXE2aGUxTHYxQ1ozRFFQbUotLURvQkc0Tk9WM3F1RFJzdjc3QQ?oc=5) · legacy.com
- 2025-12-04 [Guns N’ Roses releases new songs “Atlas” and “Nothin'” - Rock and Roll Garage](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSDFZNlBuaXNHdHpfTGRfZlRBNnhFMEhkVm15VlJ5NWowY3NRN2hrdmRzcWFiOFJKQ0xIWXRQajAtQnduMnVQY3pSOHAwdHVnRERrX2ZJSWZXb2Z3Zjc0NWswb1NqZ1pTaWpBd280WDZ6S0ZnOHg5aWxQVkFNYVZPREdNNm5Wd9IBiwFBVV95cUxPQkYxLVVMNThXSlZoM1VRaHlCY0RkbllSdVdCX2pWYTFJb3UtSXRtUnRSbktrVG5iY0JhaGFwU2dEMjZ5Q3Q1ZVh6VkFudzBDb0ZMSXRtNklSMEtiRHJSMlZPLU9SMlBJM0dIcjJFeUc1cVp6bFQtNE92RU5zaGZuTDFvSy12Wk82enZN?oc=5) · Rock and Roll Garage

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67682 (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 "67682", 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=67682
- 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