# CREDIT UNION OF DODGE CITY
Dodge City, KS · NCUA charter 67856 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-dodge-city-67856

Who the members are: state charter, organized 1940. 9,980 members of 30,000 potential (33.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $103.3M |
| Members | 9,980 (-4.4% YoY) |
| Full-time staff | 30 |
| Net worth | $14.3M |
| Net worth ratio | 13.8% (p75 of band) |
| ROA (annualized) | 1.28% (p82 of band) |
| Total delinquency | 0.49% (p41 of band) |
| Net charge-offs (annualized) | 0.34% (p50 of band) |
| Loans / shares | 60% (p32 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.79% (p93 of band) |
| Operating expense / assets | 4.79% (p83 of band) |
| Vehicles % of loans | 90% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 258% (p92 of band) |
| Vehicle delinquency | 0.52% (p48 of band) |
| Vehicle NCO | 0.54% (p51 of band) |
| Repossessed % of vehicle book | 0.31% (p90 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 6% |
| Average share balance | $4,966 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,394 |
| Loans granted, annualized | $25.3M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | net worth falling |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 3 |  | thin capital |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | delinquency 2x band |  |
| 2019-06 | 3 |  | delinquency 2x band |
| 2019-09 | 4 | delinquency 2x band |  |
| 2019-12 | 3 |  | delinquency 2x band |
| 2020-03 | 3 |  |  |
| 2020-06 | 6 | net worth falling, margin squeeze, repo signal |  |
| 2020-09 | 4 |  | net worth falling, repo signal |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | thin capital, net worth falling, members leaving | expense trap |
| 2021-06 | 6 | delinquency 2x band | net worth falling |
| 2021-09 | 4 |  | thin capital, delinquency 2x band |
| 2021-12 | 5 | thin capital, delinquency 2x band | members leaving |
| 2022-03 | 6 | net worth falling, delinquency rising, members leaving | margin squeeze, delinquency 2x band |
| 2022-06 | 3 |  | net worth falling, delinquency rising, members leaving |
| 2022-09 | 5 | delinquency 2x band, members leaving |  |
| 2022-12 | 3 | repo signal | thin capital, delinquency 2x band, members leaving |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency rising, assets shrinking |  |
| 2024-03 | 4 | members leaving | delinquency rising |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 2 |  | assets shrinking, delinquency rising |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 3 |  |  |

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

- 2025-11-22 [Gordon Holtfrerich Obituary Sep 3, 2016 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMib0FVX3lxTE0ySFc3NjVlTFhYOWlrUHZRMEdfYjJDYmVzamUta3pIR0hJc3U1djZoZ2pRRnc5WG80ZktWZDI0RmZFM3ZuR2lid3pZU19ZTDllYURFaW5fR0dlMTVWVU5JeXpsWHlnSmdiYW10dFktcw?oc=5) · Swaim Funeral Chapels
- 2025-11-22 [Genaro Ramirez Obituary May 24, 2017 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiakFVX3lxTFAzalY1MjJ0N3ZXUWdQMXZmenQ2U2I1RnctQXMzWDFiQjdod0ZyX0xUNzMxcWVXY2hrbUVPODFBb2xTdTcxbk4xN3lQLUgyYk9DcFgyTmlvMlF6aHhJTERsbzI5N01iM0ZuZVE?oc=5) · Swaim Funeral Chapels
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2021-07-01 [CUA manager retires; Pediatrician joins St. Catherine Hospital; McCoy joines KHF board - The Hutchinson News](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQcGlsMGhTOVZheV8tYWtCUmNIUlMxOG5pX284M1RibE8tQVctTXd2dElJV1ZkUU9VeEw3a3F4endDOGV2cTl1S3NJOUlHcUdoUzJJQ19zdWZ3T1I2ZmIxMFFyMEl1ZEU1d2c3U3dLQ25ncjZyaEY0MXByeE0yQVhVb2ZFank1RWdHVk5oRmFPblpKTVNkZGJ2NWI2cGc4b1lPSXZJal9lSnBGZHRWNi1qMUo5VWtrS1UwT1RoU2VrclFzOUxlMzFVang0UjZ0dXc0TUJERnZERFpaRE42a3BGMHFXNUF2a2owR0J2LUIzLUgxdTlkX0dj?oc=5) · The Hutchinson News
- 2018-12-01 [Jonathan Mills Obituary (1990 - 2018) - Dodge City, KS - Dodge City Daily Globe - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUFVoRHVha1pRdnBROGRTUThJZjZLbXctQkE1M0FwOUVhc2NvM3ZXM0RGTjBPeWFqaGxQV1h4RmNCMzVLbjQ3VWJ5S1ZlTm05eXZ3dWJ0S3BXUEd4Q3c1UVh2a2h6SzJCWGwwOWhRRnZwUE5kWldjUk9lUlRxZWxfNjlaQWpjSE1ZYWU4UzI4aG44QQ?oc=5) · legacy.com
- 2017-12-04 [Jimmie (Jim) Dean Wasson Obituary Dec 4, 2017 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMib0FVX3lxTE9yTEE4RkoteXQ3WXhQU3RUYkFYUGxVR2lzUG9jdGVUWWxJdERLMlJBOHRCTHdxNDJMZEhYNllicDVteEJlTmtTeVg3T0pSNWkyZWo3WG1PVDV6NW9YcE9pYlpsY3dSVG9CTGxVczVYaw?oc=5) · Swaim Funeral Chapels
- 1982-09-20 [Mennonite immigrants arrived in Kansas in 1874 from Russia... - upi.com](https://news.google.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?oc=5) · upi.com
- 2025-11-22 [Lelah L. Waggoner Obituary Jan 12, 2013 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiakFVX3lxTFBpMFBLbVZyeXpGeUlkV1l3OVgyX1lPTVczd2VEZUtPcHBGM1hGVHhjQWZtc2dVRWZyREdaam1vTUk2YU5NVGdVS1E2Z2NnTjMzSjcyZUZpeERfZnowVG5iazQxMTJkdXdraHc?oc=5) · Swaim Funeral Chapels

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67856 (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/16.json (key "67856", 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=67856
- 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