# ACADEMIC EMPLOYEES
Columbia, MO · NCUA charter 67695 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/academic-employees-67695

Who the members are: state charter, organized 1936. 1,392 members of 10,000 potential (13.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 423.

**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 | $17.2M |
| Members | 1,392 (-1.8% YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 7.0% (p3 of band) |
| ROA (annualized) | 1.03% (p71 of band) |
| Total delinquency | 1.02% (p62 of band) |
| Net charge-offs (annualized) | 1.05% (p86 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 42.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p79 of band) |
| Operating expense / assets | 3.63% (p50 of band) |
| Vehicles % of loans | 73% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 16% |
| Third-party paper % of net worth | 198% (p99 of band) |
| Vehicle delinquency | 1.33% (p70 of band) |
| Vehicle NCO | 0.16% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,219 |
| Participations bought / yr | $1.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 423% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $1,517 |
| Loans granted, annualized | $3.4M |

## Participation posture (from the same filings)

Bought $1.8M and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (129.6% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 6.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **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 | 5 | thin capital, capital below 7%, losing money, auto monoline |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 6 | net worth falling |  |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 6 | delinquency 2x band |  |
| 2018-03 | 7 | losing money |  |
| 2018-06 | 6 |  | losing money |
| 2018-09 | 6 | members leaving, loan book shrinking | delinquency rising, delinquency 2x band |
| 2018-12 | 5 |  | loan book shrinking |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 | assets shrinking | members leaving |
| 2019-12 | 2 |  | capital below 7%, assets shrinking |
| 2020-03 | 4 | capital below 7% |  |
| 2020-06 | 6 | net worth falling, margin squeeze |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 | delinquency rising | net worth falling |
| 2021-03 | 7 | losing money, members leaving | delinquency rising |
| 2021-06 | 8 | net worth falling, delinquency rising | members leaving |
| 2021-09 | 8 | members leaving | net worth falling |
| 2021-12 | 7 |  | members leaving |
| 2022-03 | 7 | net worth falling | margin squeeze |
| 2022-06 | 9 | members leaving, 3rd-party paper>100% NW |  |
| 2022-09 | 7 |  | delinquency rising, net worth falling |
| 2022-12 | 5 |  | losing money, members leaving |
| 2023-03 | 6 | delinquency rising, members leaving | 3rd-party paper>100% NW |
| 2023-06 | 4 |  | delinquency rising, members leaving |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | delinquency rising |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | 3rd-party paper>100% NW |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 | delinquency rising | capital below 7% |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2012-06-14 [Credit union robbed on Ash Street - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeGQwdVA5amRmRXQ0SUNmTGNJZVR6Q2pzN3ZwTExnV1h5OTJxVTZwNnRnNnhpOS1sdm9GTHBVRDV6Wk5CZGZ4ZENwaUtZeDh5Qm1aRVF1cV9KS2ExSjRvT3lDZXMzWjk4ODFkRXhjSmg1YjdZTVlQSHlYNW5VVmxuY05IS055blg4bGUxVXZrbDRQcDgyZi0xaFBxVnZ4dUdC?oc=5) · Columbia Daily Tribune
- 2018-11-16 [Police arrest Columbia suspect accused in armed robbery at credit union parking lot - KRCG](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTHhZRmxHY1J2c0x1NUthQ3J4QTVjdHU3cUJNbVdFNGFtM2trallmREUxVDB4R0NRRmVjWDRrLXlmaHZmR1NRLW5mMFdjUDMtbVR5QXNmSkVBdjdsVkp0b2xvVlJHZjlESHpjR29RS3g1UWJmUnd1NTFUbi1RMUR5ZFdUN1U2R3FRVERaeHNzNEZKUWpmUDdlOUhJVmVxZkItRjQ0U2taaUFPbDE2Q0x5S1BNRQ?oc=5) · KRCG
- 2013-12-18 [Convicted murderer admits robbing Mo. banks - KRCG](https://news.google.com/rss/articles/CBMifEFVX3lxTE8tM3RlZEVXcjh5NEc4blZkdlVrMTNXY2VVOTJfdnE0di1lR3JtaEduWmNWbTFWVzZPZ2Jub2NkdHJ6TXlhNVA4QzR6SnJ1Q012V3Y2c2FhMXBaMGIxXzIyTzBnT0RZSGtqMGtNdlZ1emZwNUZlS3lDMnJBU0I?oc=5) · KRCG
- 2009-08-30 [WEDDING: GALE-MORRISON - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbDlhdVNRUVJaLTNaVERKUFhUcUVNVjdXS0dzeWZPUjNiUkk2NXlPOFJQVnZlMGt3SllNY0JwQ3E4TzdLQXRLdDhIei1LZWJ2OFdhb2M1WC1UbkNKUHZrZ3gzNWZ1QndFbHZSMWZfTlJrT1BIUlZUdFJYQl9DcG1HNVpnamswRVBlNG5CZTNMa0wtUQ?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67695 (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/47.json (key "67695", 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=67695
- 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