# UNION MEMORIAL
Olivette, MO · NCUA charter 67744 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/union-memorial-67744

Who the members are: state charter, organized 1955, low-income designated. 123 members of 200 potential (61.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $88,791 |
| Members | 123 (-6.1% YoY) |
| Full-time staff | 0 |
| Net worth | $10,300 |
| Net worth ratio | 11.6% (p42 of band) |
| ROA (annualized) | -2.50% (p2 of band) |
| Total delinquency | 100.00% (p100 of band) |
| Net charge-offs (annualized) | 0.00% (p27 of band) |
| Loans / shares | 3% (p1 of band) |
| Cash / assets | 20.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.63% (p4 of band) |
| Operating expense / assets | 4.08% (p75 of band) |
| Vehicles % of loans | 0% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 60% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $637 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $300 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 2 |  | thin capital |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 5 | margin squeeze, assets shrinking, loan book shrinking | charge-offs p90 |
| 2017-06 | 4 |  | margin squeeze |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | loan book shrinking |
| 2018-03 | 4 | delinquency rising |  |
| 2018-06 | 2 |  | assets shrinking, delinquency rising |
| 2018-09 | 4 | charge-offs p90, assets shrinking |  |
| 2018-12 | 5 | loan book shrinking |  |
| 2019-03 | 3 |  | losing money, charge-offs p90 |
| 2019-06 | 4 | margin squeeze, delinquency rising | assets shrinking |
| 2019-09 | 6 | net worth falling, losing money, members leaving | margin squeeze |
| 2019-12 | 6 | margin squeeze | members leaving |
| 2020-03 | 4 |  | net worth falling, losing money |
| 2020-06 | 5 | losing money, members leaving | margin squeeze |

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

- 2026-03-19 [David Wayne Turner Obituary Jan 24, 2022 - Davis-Little Funerals & Cremations](https://news.google.com/rss/articles/CBMia0FVX3lxTE9lbWJycGlFUVFjRTBHTXhUX2NTNWZpU3RxMF9aSWY2TEVuSVdYY2xZYW9VNk5pTTV0SXhXZHlyal9kSDdXNUs4eEhPUExLQjBMeEI2ZDNaQVY0alVxekNoZUhYb1NyVHFodnhF?oc=5) · Davis-Little Funerals &amp; Cremations
- 2026-08-21 [Melissa Skye DOWNEY - The Press Democrat](https://news.google.com/rss/articles/CBMickFVX3lxTFA0UHBrRm1ERVE3U3RRbHl1SWRPZGhRaVV5eEhXRm5QR0dzdEVPVk9uUVBzRW5hOWJiaVZUT2t2UWRXMmtCNWZhNDFhRW5CSVBCaHBnREdWcDlQc3ppVi1oNElma0RXbDBOOU8yUy1WeWlkdw?oc=5) · The Press Democrat
- 2017-07-06 [Funeral for Hubert H. Hoosman Jr. set for Monday, July 10 - St. Louis American](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeThYbnMzOHhTaVh4bkVXbDEyX01laDh4alduRWJGNV9JUFJmN01SbVZnZFhTSnJKUE1IalFPRW9ZUjVKbVpQV0gxUzhoR3pjVGZ3Qk1SZHZuLXZiOTJocHZMQ2R1Q0ZUdDhoLWhDMGdoWkswV0tha3BtaFNqZ25fb2RHQmdHek1XNGxqX0VkN3JSazZRcHdPbFprUy1fc214?oc=5) · St. Louis American
- 2018-04-24 [Battleship walkway finished - Wilmington Star-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxNSTBLMGljdHNOZ2xBRkVPNWxmWjBOdFFIajZCVUhnTHdodmdNWnVmWWtudGxYUUhSMFNRUnRfQTlYYnN1SVQwekljZWFGX1dNNzdEMVB6THlPS29fUXBMd1p1MkFoazhWeFlJUG5wR3VQU1V4LWFDR3pKTE5peVpoMnVjblJwTDc0YUpRVU9OTHl1OWF1c3hwc1NuMnR3QmxNdmNibF9rUTllbFR4MXktNHVEcTY3amV5YlE?oc=5) · Wilmington Star-News
- 2021-06-08 [Joseph Schmittgens Obituary (2015) - St. Louis, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYXpJcjNEY0ZfeGVtVmlObmZuTm85U19BYWpEa0xrMlJvdzJrRktDeTl2cVFQd1RmeGREdUlNaHJhRFpIOExYNHBXR1RUXzVSMERCbUxWaHJkbXJOVEtxU25PMFJHa3pNRTNiNktUMXVodk1SSjZLLXJfRktWeTNCSHpmLTJXcWhWWGZHUlJzQnBUck0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67744 (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/32.json (key "67744", 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=67744
- 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