# SOUTHWEST KANSAS COMMUNITY
DODGE CITY, KS · NCUA charter 67759 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/southwest-kansas-community-67759

Who the members are: state charter, organized 1951. 629 members of 5,000 potential (12.6% of the field); checking penetration 7% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.0M |
| Members | 629 (3.5% YoY) |
| Full-time staff | 2 |
| Net worth | $148,658 |
| Net worth ratio | 3.7% (p0 of band) |
| ROA (annualized) | -9.30% (p0 of band) |
| Total delinquency | 4.46% (p91 of band) |
| Net charge-offs (annualized) | 1.50% (p91 of band) |
| Loans / shares | 92% (p89 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p58 of band) |
| Operating expense / assets | 4.90% (p80 of band) |
| Vehicles % of loans | 84% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.12% (p94 of band) |
| Vehicle NCO | 1.40% (p91 of band) |
| Repossessed % of vehicle book | 0.48% (p96 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 55% |
| Average share balance | $4,526 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $10,394 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 5 | margin squeeze, delinquency rising, charge-offs p90 |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 | losing money | charge-offs p90 |
| 2017-12 | 4 | net worth falling | delinquency rising, losing money |
| 2018-03 | 1 |  | delinquency 2x band, margin squeeze, net worth falling |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 4 | delinquency rising, assets shrinking |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 4 |  | delinquency rising |
| 2019-09 | 7 | net worth falling, delinquency rising, loans>95% of shares |  |
| 2019-12 | 10 | thin capital, capital below 7%, charge-offs p90, repo signal | delinquency rising, loans>95% of shares |

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

- 2018-06-16 [Are you a Jet or a Shark? - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxONFFTYnpUdTFMRVJhbW9lWFZfOEc2eFhzeE15MXFCYkwtLVg3S0xLRC1WbTJzUlUwcG9JbzhQRVk3aEVOaU5hZFBJR2VhbWE5dXYzTzdTUlVIUWNseE5PNzN5ODBURlZSODBOUV9YTUxsUEFPUjhFb212OWR6cHZndnRlYVN6Q28?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67759 (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 "67759", 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=67759
- 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