# UBC
SAINT LOUIS, MO · NCUA charter 67764 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ubc-67764

Who the members are: state charter, organized 1959, low-income designated. 832 members of 3,000 potential (27.7% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.7M |
| Members | 832 (-2.4% YoY) |
| Full-time staff | 1 |
| Net worth | $230,132 |
| Net worth ratio | 6.3% (p3 of band) |
| ROA (annualized) | 0.53% (p63 of band) |
| Total delinquency | 0.77% (p63 of band) |
| Net charge-offs (annualized) | 1.00% (p92 of band) |
| Loans / shares | 49% (p51 of band) |
| Cash / assets | 55.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.68% (p61 of band) |
| Operating expense / assets | 5.83% (p96 of band) |
| Vehicles % of loans | 46% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 1.13% (p76 of band) |
| Vehicle NCO | 0.32% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,578 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $4,256 |
| Loans granted, annualized | $730,656 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 3 | margin squeeze, members leaving | delinquency 2x band, repo signal |
| 2017-06 | 2 |  | margin squeeze |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 3 | assets shrinking, loan book shrinking |  |
| 2018-03 | 7 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2018-06 | 5 |  | delinquency 2x band, delinquency rising |
| 2018-09 | 7 | margin squeeze, delinquency 2x band, delinquency rising, charge-offs p90 | assets shrinking, net worth falling |
| 2018-12 | 4 |  | loan book shrinking, delinquency 2x band, delinquency rising |
| 2019-03 | 5 | thin capital, net worth falling, delinquency 2x band | margin squeeze, charge-offs p90 |
| 2019-06 | 4 | delinquency rising, charge-offs p90 | losing money, thin capital, net worth falling |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2020-03 | 5 | net worth falling, losing money, delinquency 2x band, assets shrinking |  |
| 2020-06 | 7 | thin capital, margin squeeze |  |
| 2020-09 | 4 |  | net worth falling, assets shrinking, thin capital |
| 2020-12 | 6 | thin capital, assets shrinking |  |
| 2021-03 | 7 | net worth falling, charge-offs p90 | assets shrinking |
| 2021-06 | 7 | capital below 7% | losing money, delinquency 2x band |
| 2021-09 | 8 | loan book shrinking |  |

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

- 2026-04-27 [What to Know for Charlie Puth: Whatever's Clever! Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBtQk54bmstV0dSUFB0cWI0bXV6YkZEQ2tGS3BIeFdiS0FtdmxsVFpVV184MFlmTHAyemZjV0hzRjZDdE43S0lDa3JVbUlTa3FlTGFzYzFGeFRTVUhHOWQ2cg?oc=5) · Ticketmaster Blog
- 2021-11-02 [2 St. Louis credit unions to merge, close 2 offices - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPME9mRm5wbUd1dVgzX253eGFwYjM1ZUdFcGRhQnpPUmwtbkp0alZfTmJSVVFydW9PckVFZWk4ZVZiZnowbHNWNWl3OUE5Mk9XQlF3SFVOSWZwYmRyaHRINmRWSXBndTlNNzZQTnN4dkhVQmtMc1RIOWk1bDdWQ3Y3NzJfclNSZmZxNi0zMGh4bTFXWVV1NHZtSFlSWlBOR1lmTW5HYzBFaDJCbG8?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67764 (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/52.json (key "67764", 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=67764
- 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