# ELLIS
ELLIS, KS · NCUA charter 67797 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ellis-67797

Who the members are: state charter, organized 1952. 681 members of 2,500 potential (27.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.6M |
| Members | 681 (-3.5% YoY) |
| Full-time staff | 1 |
| Net worth | $945,475 |
| Net worth ratio | 17.0% (p62 of band) |
| ROA (annualized) | 0.39% (p41 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 56.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p8 of band) |
| Operating expense / assets | 2.38% (p17 of band) |
| Vehicles % of loans | 73% (p70 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 | $6,465 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,389 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2017-06 | 1 |  | delinquency 2x band, assets shrinking |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | losing money, charge-offs p90 | delinquency rising |
| 2018-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 6 | repo signal, assets shrinking |  |
| 2018-12 | 2 |  | delinquency 2x band, delinquency rising, repo signal, assets shrinking |
| 2019-03 | 3 | delinquency rising, assets shrinking | charge-offs p90 |
| 2019-06 | 3 | delinquency 2x band | delinquency rising |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 0 |  | assets shrinking |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 3 | losing money |  |
| 2021-03 | 4 | delinquency 2x band, delinquency rising | losing money |
| 2021-06 | 5 | members leaving |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |
| 2021-12 | 1 | charge-offs p90 | members leaving |
| 2022-03 | 5 | net worth falling, losing money, delinquency 2x band, loan book shrinking, auto monoline | charge-offs p90 |
| 2022-06 | 3 |  | net worth falling, losing money |
| 2022-09 | 5 | margin squeeze, delinquency rising |  |
| 2022-12 | 4 | net worth falling | delinquency 2x band, margin squeeze |
| 2023-03 | 1 |  | loan book shrinking, delinquency rising, net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 3 | members leaving |  |

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

- 2026-04-22 [Seattle's top CIOs and CISOs honored at the 2026 Seattle ORBIE Awards - The Business Journals](https://news.google.com/rss/articles/CBMixwFBVV95cUxPS3I3dFd2MGU3azRSZjYxQUdaSzBPbTZCM1pLRDdYQVhlQmd5X1FIdXdEc1hDblVJRTZiMWNRM0VxVEpsc05nN2J4UnNLaVhIYjVLWXFONE9vVUxGaGtibHNTUDF2UDE0ZktFdXZuMFN5R1o1Y0czLXlERFR1REFydlZwTWlwZFZjck02TmJfa2hXbWlPRVFLRnFyUk03RHd3eHFrdHU3TkgteENPM01HWWJnT3Y0UG4yOEplY0pUR2x1Yi1rV21n?oc=5) · The Business Journals
- 2020-05-15 [Linda Ellis – Tinker Federal Credit Union - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMijAFBVV95cUxNX1Zhbk4tRjZtYmNWdUw2VkthVi1SeFN4ZUxMOGZoRnhjVlA2cHJqdFBVZ2JIV3VvZlF1M1R5ZVhCMEZnRS12ZktFRUJtclpYTUt1OUk0ekk5WkpJNktjVDkyWDBnUDBiMnc0cldGVml3QmRCVEtvN0ttdlRYd2dWUTgtRWlYTEo4S1RMVA?oc=5) · Vanguard Law Magazine
- 2017-08-18 [David Seibel Obituary Aug 18, 2017 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE9pVzJCNHVsTmtpQU1mWERLM2VhdmtTWHV4cS1idk5PMjZxVDNqUFQ0YnBPNXlfTHEwb0tvR2w3QWF1dWZoTDhvalJYaHJFenpJcDZGaVBXLWVmUER0ZXRkcG1aNkF2YVVhYkNjNmtrZw?oc=5) · Keithley Funeral Homes
- 2025-10-28 [Mary Ann Musselwhite Obituary (2025) - Haven, KS - Glidden-Ediger-Wiggins Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOVjZQTnpsVFJ6OWdHTEduNG9fZVMtWC11d3BYTEZ6XzcyODlGZXhrYlA0RTRfT2VPMnpkdWdPTG44R2M3MWVMOFhwcEROeWZBNVhOay1sXzByVFk4Y1g0WnJRbEZTQWRHeGpnS3E2Rzh5d2FialhzMzJPR1ZRb2IwM19La0E5Zw?oc=5) · legacy.com
- 2022-01-13 [Business people briefs: Members Mortgage Services; KDOC; Bluestem communities - The Hutchinson News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOTDMtNVljLUNtTjhRN1NoV3B1YlQ0VndidWMzT2R0bzNkdXVNN3Fkd1pjaldacXRyRmwyRWNaMWhuWFRCNEdtSVZERXlOWG5oeHpieElncmlvdU9JUDhPdGJ1VmxTcHEzb25WTHR1WG9wa0JIOHhMQVFYaDN1MFU2V29pQjRHOGMxTExIaE5fTzZfc1RVdkM5NmRseW42SGJJY1Y2OW9laVRsRHNEdmhZbU83QW5mRlVhd1RWWGt5LVE3TlFxQ2RIZ1pnU3FpUndqdE4tdA?oc=5) · The Hutchinson News
- 2024-06-21 [Frank Augustine Obituary May 1, 2009 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9zZEFNVklmSGVERTJxcXdSbUV6U0tlb0tPN1V5Z29EdDJhamlseUtvWWdLU2tBRkRMaWJyZmhxTnYyeHlrWW1iVlJBY0NEeEFWb0lCalU0Zl9kcklYRl83Zm40RDZ5Vlk4bW9NcVZGN2RtQVE?oc=5) · Keithley Funeral Homes
- 2023-09-14 [TMP-Marian announces 2023 Point of Light recipients - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9NcnJidVQtbEt0TTJwTnVLbWlkdGdqZy1QQkFyNEF4WlBJcnBMeF9rSE9MMHU3ME4weTQ2blN5WFdWRzVyV1o2OWIwWEE0YlprOE5xT1BqbkNLMm9BaFB4U0hIYTNNRGpTNTNSLTJZRlM?oc=5) · hayspost.com
- 2012-03-17 [Monta Ellis beats Warriors 120-98 in Bucks debut - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1lLdVBubV9ONEt3SHhaQ0hGSmpqcnFkN0Z5M1lnMVAzRWdZR096ZkNsaTVIRDU3ZVg1akNIVlBNUzFNQzJFS3NnbmNTSWFhN1BJVXhOSmlTWXR1V3hvWExiVzlzMXpHalVGTW5RQVgzWXN4cm1wX0dNVnZ3cjdGbmxhaTBlVERNQU9EVERQWlhGbWVXTU1OUjFpMGJWUQ?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67797 (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/21.json (key "67797", 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=67797
- 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