# DILLON
Hutchinson, KS · NCUA charter 67730 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dillon-67730

Who the members are: state charter, organized 1958. 4,507 members of 30,000 potential (15.0% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 316.

**Verdict on the desk:** this could be *fortress*. 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 | $78.0M |
| Members | 4,507 (1.6% YoY) |
| Full-time staff | 11 |
| Net worth | $10.9M |
| Net worth ratio | 13.9% (p62 of band) |
| ROA (annualized) | 1.40% (p82 of band) |
| Total delinquency | 0.76% (p58 of band) |
| Net charge-offs (annualized) | 0.02% (p20 of band) |
| Loans / shares | 67% (p61 of band) |
| Cash / assets | 38.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p48 of band) |
| Operating expense / assets | 2.77% (p23 of band) |
| Vehicles % of loans | 31% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 53% (p76 of band) |
| Vehicle delinquency | 0.13% (p19 of band) |
| Vehicle NCO | 0.04% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 39% |
| Average share balance | $7,842 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $219,688 |
| Loans outstanding per 100 members | 316% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $3,144 |
| Loans granted, annualized | $17.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $219,688 outstanding purchased (2.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 | net worth falling | members leaving |
| 2017-09 | 2 | delinquency 2x band | net worth falling |
| 2017-12 | 1 | loans>95% of shares | delinquency rising, delinquency 2x band |
| 2018-03 | 0 |  | loans>95% of shares |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 1 | loans>95% of shares |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | net worth falling | margin squeeze |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | net worth falling |  |
| 2023-06 | 1 | delinquency rising | net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | delinquency rising | members leaving |
| 2026-03 | 1 | net worth falling | delinquency rising |

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

- 2026-03-10 [Dillon Oakes, Poet Biofuels - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbnB5Z0JBc0RKblg4WVdjQ1kta1ZHZ0I0eU14NkJvSnFub2lKcVJSbXM0M0VIbWRsdW1DdjkzeU94REp6ZXRJcWotcWYtM3ZHSndnajNMTUhkUC1UOTRCQ2JfOEZSS3I5OUhNQlBicFRxVHJKUk9IYXdfREo0NnNJVktpTFJUdFZEeWFGanFaYjluQ0R2aDdfcGNFUFZGWVhhdGVhUmVsV0ZUZw?oc=5) · The Business Journals
- 2018-06-08 [Man Bites Dog: Consumer Attorneys Required to Pay Defendant - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQQ1NHVmxaZGc2VVF5bWdoeGVQTXRaV0ZGQ3R5NlloQ01BTXVLb3dkcVBFUV8yY0llUC13dWIzdXgtcWtJUDZsM0s3LUhFekhxd3R0U0RxRF9HQnh1MllIUmVHd2RpU3RFNy1JUGxGTTBadjBiS212WnNkNjZETExjcV9nQXR3clVpMlRNRm1jc3NxMDh0Zm5KY0pHbk5hOVREbktYaHN5VU9hN3EtTEhoejhLX1FvbklYTXdr?oc=5) · Consumer Financial Services Law Monitor
- 2022-07-16 [Marjorie J. Sams-Dillon Obituary Jul 16, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE9yamhSUzAyd3FiNmFRa0NORFFLVjk0WnNKMWRITEcyVXYzZG1wMTg5UFNDTno0dUt2azVQYUw0MFl0WW1ON0FJbE5peWt2b1ZUSHB6eDNQVkNTT19Rc3NOWTZqdlZiMlB6TUE?oc=5) · The Amos Family Funeral Home & Crematory
- 2025-10-17 [Officials hope opening of new Dillons in KU’s west campus can serve as ‘accelerant’ to The Crossing project - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNMzJ5OURFQ2thQ0MteDJ6RTgwLUtBZzRPOGZGR3FLR0E0VThlT3MxMlJzallsV3o4aWFDenJMWDBPVUc3ajdGOTJPWV9nalloTzgzN0xMdHc2aGE4UnNzTU1TUDF3QkFESlpERnJMeEwwczB4QnN3S21UOU1xRHpiMVdNY3U4QzFrOTJxdFM0X0dZVjdiNi0xR0dlN1FUaDFVa1ExMlA4LWluVWJLb0F2QTEyR0FZdUt3ZndSRWJ5Ym1zTm85R0FYNkpDbXZrdjNpMkw0Wm1WSGU0enFueVdySw?oc=5) · Lawrence Journal-World
- 2022-01-13 [Business people briefs: Members Mortgage Services; KDOC; Bluestem communities - The Hutchinson News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOTDMtNVljLUNtTjhRN1NoV3B1YlQ0VndidWMzT2R0bzNkdXVNN3Fkd1pjaldacXRyRmwyRWNaMWhuWFRCNEdtSVZERXlOWG5oeHpieElncmlvdU9JUDhPdGJ1VmxTcHEzb25WTHR1WG9wa0JIOHhMQVFYaDN1MFU2V29pQjRHOGMxTExIaE5fTzZfc1RVdkM5NmRseW42SGJJY1Y2OW9laVRsRHNEdmhZbU83QW5mRlVhd1RWWGt5LVE3TlFxQ2RIZ1pnU3FpUndqdE4tdA?oc=5) · The Hutchinson News
- 2024-07-25 [Movie Night at Fairgrounds is Saturday - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE10aW5ObUo3R0RYYS1pVVJGTUtaSkwwR2VUYTdONnRGOXZOVWdEa2Y4VzhDZ0VDZXNFMlZlYjlUMDZUOUtRNFNQYzJDX2Y0MGtOQ19tOFItd2xkeHFxd3h1TWs3U3dYNXdUWU9pYm9qeWlXZw?oc=5) · Hutch Post
- 2012-08-26 [Betty Lou Killingsworth Obituary Aug 26, 2012 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTE9FYmtvdlhoWU1xUUd2T0FtMGViUEtWZW5qOGp5dnNBM3diZjdLZl82WVptUGc3R2JyYTBldl9LQVdSdlFiWDNPajQ1dWZqOU1UcXctYUYwSzFUTmVUTXpvUGJZX2V3TGpVRzFvaS1waw?oc=5) · Elliott Mortuary & Crematory
- 2014-02-09 [Edward Dillon Obituary (2014) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZjFiaVpuZVhTNzdTek1KTUduSXBibGtpWkRpeVBOQkN2a1BOeldWMDZRT0dFSnRLQU1NclVlZ2NSa0h5aWpEaUdEcHRrd09ONy1KTnVLaDJZWTEtdEYwUG4yTVoyLWlhUGZ1NG00SHBiV3pZLVc4c3V6V05jS3dMdjNIS0djRnFkS2MxaWp3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67730 (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/18.json (key "67730", 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=67730
- 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