# C & R
Clay Center, KS · NCUA charter 67783 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/c-and-r-67783

Who the members are: state charter, organized 1962. 665 members of 10,000 potential (6.7% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 62.

**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 | $4.3M |
| Members | 665 (-3.1% YoY) |
| Full-time staff | 2 |
| Net worth | $521,175 |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | -0.43% (p16 of band) |
| Total delinquency | 2.73% (p84 of band) |
| Net charge-offs (annualized) | 0.68% (p80 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 32.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.40% (p91 of band) |
| Operating expense / assets | 4.59% (p71 of band) |
| Vehicles % of loans | 85% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.18% (p88 of band) |
| Vehicle NCO | 0.80% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 36% |
| Average share balance | $4,456 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $6,881 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | expense trap |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 2 |  | delinquency 2x band |
| 2017-03 | 5 | net worth falling, margin squeeze, members leaving |  |
| 2017-06 | 3 |  | net worth falling, margin squeeze |
| 2017-09 | 3 | margin squeeze | expense trap |
| 2017-12 | 6 | thin capital, net worth falling, losing money, delinquency rising | margin squeeze |
| 2018-03 | 5 | charge-offs p90 | net worth falling, losing money |
| 2018-06 | 3 |  | delinquency rising, charge-offs p90 |
| 2018-09 | 6 | net worth falling, charge-offs p90, repo signal |  |
| 2018-12 | 2 |  | members leaving, net worth falling, charge-offs p90, repo signal |
| 2019-03 | 2 | charge-offs p90 | thin capital |
| 2019-06 | 3 | delinquency rising, repo signal | charge-offs p90 |
| 2019-09 | 2 | assets shrinking | delinquency rising, repo signal |
| 2019-12 | 5 | repo signal, members leaving, loan book shrinking |  |
| 2020-03 | 4 | margin squeeze, delinquency rising | repo signal, members leaving, loan book shrinking |
| 2020-06 | 5 | net worth falling, repo signal, members leaving | assets shrinking, delinquency rising |
| 2020-09 | 6 | delinquency 2x band, delinquency rising | repo signal |
| 2020-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 2 |  | margin squeeze, net worth falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | members leaving |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 3 | net worth falling, margin squeeze | members leaving |
| 2022-06 | 3 | members leaving | net worth falling |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 5 | losing money, assets shrinking, loans>95% of shares | margin squeeze, delinquency rising |
| 2023-03 | 5 | repo signal | losing money |
| 2023-06 | 5 | leaning on borrowings | repo signal |
| 2023-09 | 6 | loan book shrinking |  |
| 2023-12 | 9 | losing money, expense trap, delinquency 2x band, delinquency rising | leaning on borrowings |
| 2024-03 | 6 | repo signal | loans>95% of shares, losing money, delinquency 2x band, delinquency rising |
| 2024-06 | 6 | delinquency rising | repo signal |
| 2024-09 | 7 | net worth falling, losing money | delinquency rising |
| 2024-12 | 6 |  | assets shrinking |
| 2025-03 | 7 | margin squeeze, delinquency 2x band, delinquency rising | loan book shrinking, expense trap |
| 2025-06 | 3 |  | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |
| 2025-09 | 2 |  | losing money |
| 2025-12 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2026-03 | 5 | net worth falling, losing money, members leaving | delinquency rising |

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

- 2020-11-05 [Ronald Potenski Obituary Nov 5, 2020 - nsrfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE52aEV1QzRpN0VtQm1hdTdGcUNqbDVRUW84TGdGb3hMRzNBTWRLQjZfWWtXZmdBb1Bpd2hXbnRlZGdlSmpaRUY1RnBvUmNTVXRHNmJ6R01uQm5xcW42?oc=5) · nsrfh.com
- 2024-10-25 [Karen Ruth Gilbert - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE1jU00tOWVzNEtoWGNHZnN1dGl3NE5FUTg1ZWFnaENKWnNwd09McUwydTdMTkwySU9OdnFrU1MwaFJvRC0wODg4d0NDMjBhcmhmZkhIWnMtLUxGOGhjbXA4ZmRoYzVMakJOYVVQMEg2Njk4c3c?oc=5) · Salina Post
- 2022-10-06 [Clay Center’s Java Junkies T-Rex Race Donates to Two Clay Center Organizations - KCLY Radio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNeTJ2VlN2VmtzN0tTNG5YV1h0em1iX0J2WmtBaFpTZ012Tkp5ZTM4VXVTbGpwUEhOR2JKX2h0anItWXo3SU00b3hFbzNEbDc4QjZBUXlqbmhiZGEzYlVha3JoMGFYRmJXZW15ZVlLQzlfOEZ4LUFramFaY194eUJjR05meTJsSTI0aUh3RDA0Z1lhLThZSkJoREI5VlVENFl3TXRPMDBXdWFvOVk?oc=5) · KCLY Radio
- 2009-05-13 [LeRoy Gingles Obituary (2009) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQc3o5UHBKRmZRRHdmM094cDlWLTBKek1meWJCZ196RTlmVzYwanEtaVdNdmc3b0xqU3gyZGU5N0VNSUFITm1PM3VSR3RyWVg1NHJhYV9jck4wdzhfdlBVVDFGNHFfa2NFWEFTNGh6eU9yaW5heERCdUFjeWE1X3ZPTjRMX1lJV2V0bmVKUnZ3?oc=5) · legacy.com
- 2017-07-29 [Wayne Hafner Obituary Jul 29, 2017 - nsrfh.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA3SmtNN0lnVGFmRzV3Ql9POXlhMWZDMFFRRFVIcjQxeWtmZ0otWjh1RG5TU09ubTlSM25zSWI0NjF5NGxRXzVXbTNPTzlHUGhCTjZQRG9mMXc?oc=5) · nsrfh.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67783 (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/7.json (key "67783", 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=67783
- 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