# ST. AUGUSTINE
Kelso, MO · NCUA charter 67750 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-augustine-67750

Who the members are: state charter, organized 1933. 426 members of 2,750 potential (15.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.5M |
| Members | 426 (0.2% YoY) |
| Full-time staff | 0 |
| Net worth | $218,654 |
| Net worth ratio | 14.2% (p45 of band) |
| ROA (annualized) | 0.65% (p53 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.65% (p11 of band) |
| Operating expense / assets | 2.07% (p12 of band) |
| Vehicles % of loans | 83% (p87 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% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,091 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $21,115 |
| Loans granted, annualized | $221,596 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 | members leaving | delinquency rising |
| 2017-12 | 2 |  | members leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | assets shrinking, loans>95% of shares |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | delinquency rising |  |
| 2019-03 | 5 | margin squeeze | delinquency rising |
| 2019-06 | 5 | members leaving | assets shrinking |
| 2019-09 | 4 |  | margin squeeze |
| 2019-12 | 3 |  | members leaving |
| 2020-03 | 3 | assets shrinking, loan book shrinking | thin capital, loans>95% of shares |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | members leaving | assets shrinking |
| 2021-03 | 2 |  | members leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | net worth falling |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | members leaving | loan book shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 1 |  | members leaving, assets shrinking |
| 2023-12 | 2 | loans>95% of shares |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 | assets shrinking | delinquency rising |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 | loan book shrinking | loans>95% of shares |
| 2025-03 | 4 | assets shrinking, members leaving |  |
| 2025-06 | 4 | loans>95% of shares | loan book shrinking |
| 2025-09 | 5 | loan book shrinking |  |
| 2025-12 | 4 |  | loan book shrinking |
| 2026-03 | 2 | net worth falling | assets shrinking, members leaving, loans>95% of shares |

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

- 2026-04-20 [Southall Announces New Album "Kinfolk" - Country Central](https://news.google.com/rss/articles/CBMieEFVX3lxTE9meDJHWTNaNjdBcExzMEhDdlZub1gyMk1nSEdBcEh6eWFORFZJMjJPUGZkMFFPTWkwMEZYSDZ4WHc0anZqX25KTzBfUEk1VHhjRnhMSUVLSDU2YmFybGw3UkhhSlJsa2Q0ZWVPRWFkYUI2UEpkZVdtbA?oc=5) · Country Central
- 2026-01-26 [The Fray Announce Summer Of Light Tour With Special Guests Dashboard Confessional, Colony House & More - Live Nation Newsroom](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOSEdPdThITzdWM3JnSUlCbmh0VWE0bTlaZlJzRXhmaktvbElHenIwcnJnbDBEdW5fVjZnbGZBQVpFOExMd0tRdHpxTUhPaGlMaF8xNlZRN1ZLVVpZbVptR0hpVklfMGs4aGJKTWZuSFhya3FKTUxqMndxWVNHd284YUZKTTZEZ0NDRWlsT0Z0VVlwRnlJeW1SRk9GVHYxdExraF8zSVppeWJKTnJPOWE4bUhOeHpaa2I0V1NNNkI4SXZKWTVGQThvMEZscmQ2ZzA0VWw4?oc=5) · Live Nation Newsroom
- 2026-01-28 [Whiskey Myers & The Black Crowes To Embark On Co-Headlining Tour - MusicRow.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOYnVMWXZaNEtXOTIwY0xHT1dUeUJwMks3aU9qSE1leXBZWUJSVTl4N2NuNHg1WTRwN1V1U085WHZvdkw4R01ialBiYnpLR0tWbkN4QnNmUjAtcTF2bU12U1FwdVFhOElMUEgzZjhmTGhNNDAtNE4xWllrWl9CNXg3clY4UUNmeWh6UDJieENobjA2dGV6ekM0?oc=5) · MusicRow.com
- 2026-01-30 [The Black Crowes, Whiskey Myers, to rock 2 Michigan amphitheaters this summer - MLive.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPLUN4cUV0eEczamhHZW1FX19OVl9FNWlud2RQLW5mTDFSSTAyRmtNOXh1Zm9DZmhtSF91bHdRQ2xsZ2RlQjk1blhPVlBUQkI3VW41YTdGSDZ5T0xvUFdHbnpGTjloUVR2Wmo2cmJHQWU0WWQ5XzNXM3NiZ2FieU5mSjVSaWJiaHExRHdfS0JnSENHZFBjazVpelVtd3lSX2trSFp3Y1dMd3dJcldPYWhEOUo3a3ZiRE0?oc=5) · MLive.com
- 2026-03-21 [The Fray Are Back With A New Album And A Full North American "Summer Of Light" Tour - That Eric Alper](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQV2NMNDdwLWRvYWdnQ1FUMWEtcU9PN3pCWl95aXJVYmt6QTlBQTFsX01jRF9RX0Jwb1ZFd2JKbXF4eGU3UWNxUnZ3RlBnQ1dha09talJ1cXk2MmMyYTRyazNfZDVzcXNneWxUZkNYekJCLXNYd1d0OHRwenBqMFBXejhZN3pZR0V6b0RraWhFMFpkRHFwcllOXzJjWXpRUTAzMUZPYmJ1T0J0aFRoOFJOZmZjUVNVbDVjSzRRNXJrY2Y?oc=5) · That Eric Alper
- 2026-01-28 [The Black Crowes and Whiskey Myers Plot Co-Headlining Tour - Exclaim!](https://news.google.com/rss/articles/CBMilgFBVV95cUxPekl4VzI4SnJMcVZ0a2twOXVsN0VaWDF3N1lzOUdodHB5MkYzcENwUXRlVTBQcThyZ1NLSnRrdllpY2JIVXdaMUliQ2sycklRTWdXMnV1OUhTcUdtZ1AzOUdvdnRkU1BYanNmS3dMaFZ6a3JWNlNscENIeVNkbXVPc04xdTdUWm12LVZ5Sm1rRTVPcGxpZXc?oc=5) · Exclaim!
- 2026-04-20 [Southall Announces New Album, ‘Kinfolk’ - Whiskey Riff](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRUtQem9oMGpiNGdEeVpPbVVBd21ycW85eFN6MVhEb1hUdWtOOEdYdms4ZWZFOTQxS25mZzQ4M2ZhRW9ZSkdEM2xlaG84c19ZQjdkZ05BWm04VHpkQWd0OUs2THhyTnJCblRxRWNEdk5CQ2tjZVVsV0E4S2pNUXFIS25B?oc=5) · Whiskey Riff
- 2026-01-28 [The Black Crowes, Whiskey Myers announce 2026 co-headlining tour - The Music Universe](https://news.google.com/rss/articles/CBMimAFBVV95cUxNR3VsQXFQM3UxR2FJX3NrcW04bHVFNjJ2dXJFMUduRVBMaVdBeFFVNzNSVEtQWkgyVG9OdVo2TDF3R0FPdlFMVFBtZWVVd042eXpRUkxOSDFhZllSbmRDbkdlTTMwSXMtakw3Z1B6S0ItWDFkTjZDZnFCazJLcGpMNlRzU1p5aFRMWDFaZy1SUzB1M0ZlYlU2bA?oc=5) · The Music Universe

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67750 (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/38.json (key "67750", 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=67750
- 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