# UNITED
NESS CITY, KS · NCUA charter 67810 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-67810

Who the members are: state charter, organized 1957. 909 members of 1,500 potential (60.6% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *ordinary*. 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 | $12.1M |
| Members | 909 (-7.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.0M |
| Net worth ratio | 8.4% (p15 of band) |
| ROA (annualized) | 0.21% (p45 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p25 of band) |
| Loans / shares | 23% (p10 of band) |
| Cash / assets | 77.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.64% (p12 of band) |
| Operating expense / assets | 1.79% (p13 of band) |
| Vehicles % of loans | 26% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 11% |
| Average share balance | $7,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,446 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | thin capital, net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 3 | thin capital, net worth falling | delinquency rising |
| 2018-06 | 2 | delinquency rising | thin capital, net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 3 | margin squeeze, delinquency rising |  |
| 2021-03 | 5 | net worth falling, losing money, loan book shrinking | delinquency rising |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 3 |  | loan book shrinking |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 5 | thin capital, loan book shrinking | margin squeeze |
| 2022-06 | 5 | members leaving | loan book shrinking |
| 2022-09 | 6 | loan book shrinking |  |
| 2022-12 | 2 |  | auto monoline, losing money, net worth falling, loan book shrinking |

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

- 2026-07-17 [Credit Union of America donates $50,000 to Second Light through challenge grant - kake.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPTWdSTjRONTdGTjRPUkNVN3JRN1M1MjZpLTFhVGtRQVVJc2U0ZnBSZTE4M2s3RnNzLUtMTEpkNTdvYjZJTkhpcVQ2Vkc2VmViRjBBZEIwbHhWRkREMFV3OVBpUHFibFhpeXl4NkJwM1hOSFZoMEtuemFUbGE5WG15T2hXeUUyWmtSVURJdUZELTlDaDc5Xy02VFBoc21VWjBobDgxQ2drdzgxWFVtcktjSGtfY2s5T1J2c2JKYkdaRDdaYWQxaDUwZjRqbkhONzZBYk9FUWxMeFY1dUFOX3lpZEsxZExrTjg3dGc?oc=5) · kake.com
- 2026-07-07 [United Way seeks donations and volunteers for Great Bend Stuff the Bus - Great Bend Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxPLVJfSklJUlk2dDM2bTZ3Ni1GS0YtcGsxdVNNR3FkazluOEtQb3hzU0tTQ1RxZHZfZTJNWmowNGpvTm1tNTFhUWYyTHV6eFAyNUg2MnhQcWVZVjFOc1NEOHBqZzN4SUhvdXdPX29yVUZHZzNTUEVmRTJUdWJ6VVdEOWFXaV9TTE1UNzAyN1hqd1R4VDhGT3c4bzI4YWVWOEtKa1laQ1g5V0pvVmZDSVl1LWxPejR6dw?oc=5) · Great Bend Tribune
- 2023-02-01 [Heartland Credit Union Completes Merger with United Credit Union - Ad Astra Radio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRkhGX01uX2stRzhTMnVZMk1wNUVmS05OaHktUTBtVkxUbF9KZnc4dXRKakw0djU2NjVtQ19OOUpvdUNmVkhNeXFZUEJ4bFRsTWhQUmtjOTh4VDNVWEdzc1ZtRVBWYjBuaEVDS1dVRkdiOU1ua0dfcFZDYzVhbXJGSTJHeWFkb2ZhclRzUmJFM3JCbVNDQkVGbngyMG9haG5iREVSc0Z0WmViQ2M?oc=5) · Ad Astra Radio
- 2026-06-01 [Luke Bryan Setlist: Get Ready for His 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMia0FVX3lxTFByb1kyWF9wSEhJaElfRFhpUTlLcGNKRU5Sb1N0M0JJQ0pYUUs0OEhkM3FSaFJGMnJPNWhWd194VkFHb3QzR3pjZXRFSGxFZzVOS1RsN0pjbjhpSTVPX1BOemRvUzVBbTlMZHk4?oc=5) · Ticketmaster Blog
- 2026-01-22 [United Way of Reno County welcomes new board members - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5YMVZTbHN1cTNLbnhFM0FFekc0bFBvSXBHMVpsd01nYTJjZDBhUXJMNUNNXzJJdU0wRW9YY1k1UVJEZ3AxalJkZ1JZT1NtSDkzdkZzYTBjZm1GQ1hBelZ5M21XU2QxcVNiZkxtWVhCWlNsdw?oc=5) · Hutch Post
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2022-10-07 [Promoting Payment Inclusion in the United States - Kansas City Fed](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQUHdYSk5HcHd6dlFvTHhsQ0pZWUNsNDVTVG15cFhmS29jejZvd0hGVVEwZ01OMy05MFdqUmE4VnBSMUtHWFhwM0lCYlMwZC1kUE5VakZzam9uZTN5M3RRRUtlbF9XMk5BeHV1UklTNGJWSjVpdVRpdHRtRTBULWxVWVJPTUtLY3liZkpoclVaZ2RGVHgwRFI5UU9xZC1DaS0tQTR3aFFPakRESEdhelJMQ0FwbmJQM2RhRHhvUVlHV0Y?oc=5) · Kansas City Fed

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67810 (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/34.json (key "67810", 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=67810
- 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