# CITY
Independence, MO · NCUA charter 67924 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-67924

Who the members are: state charter, organized 1960, low-income designated. 4,160 members of 717,204 potential (0.6% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 2914.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.4M |
| Members | 4,160 (-0.4% YoY) |
| Full-time staff | 11 |
| Net worth | $7.7M |
| Net worth ratio | 12.0% (p41 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 1.31% (p80 of band) |
| Net charge-offs (annualized) | 1.51% (p95 of band) |
| Loans / shares | 69% (p65 of band) |
| Cash / assets | 36.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p85 of band) |
| Operating expense / assets | 3.40% (p45 of band) |
| Vehicles % of loans | 70% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 169% (p92 of band) |
| Vehicle delinquency | 0.98% (p69 of band) |
| Vehicle NCO | 0.43% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 20% |
| Average share balance | $6,673 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $12,336 |
| Participations outstanding | $6.5M |
| Loans outstanding per 100 members | 2914% |
| Loans granted per 100 members, annualized | 1084% |
| Average loan balance | $313 |
| Loans granted, annualized | $16.7M |

## Participation posture (from the same filings)

Bought $2.9M and sold $12,336 in the latest annualized quarter; $6.5M outstanding purchased (84.7% of net worth), $650,014 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | thin capital, net worth falling, losing money |  |
| 2016-12 | 1 |  | thin capital, net worth falling |
| 2017-03 | 0 |  | losing money |
| 2017-06 | 2 | thin capital, net worth falling |  |
| 2017-09 | 0 |  | thin capital, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 3 | net worth falling, margin squeeze, delinquency 2x band | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, delinquency rising |  |
| 2021-06 | 3 |  | delinquency rising |
| 2021-09 | 3 | auto monoline | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | net worth falling, losing money | margin squeeze |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 4 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2023-03 | 3 |  | charge-offs p90 |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | delinquency 2x band, assets shrinking |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2025-09 | 3 | delinquency 2x band | net worth falling, charge-offs p90 |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | charge-offs p90 |  |

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

- 2026-06-26 [Cole County prosecutors charge three Columbia residents in Jeff City credit union scam - KRCG](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVlFTcnk0blVBV3djM1F2bjRtWjVUaFk5SmJyLTBBTW9oNVNuaGlIb3cxZHlkN21HVFROTUJMUTJJZElOVk12Z3JRTFVNYXE5SzlRRkpNNXJ1Q1E5YzNKSEdIMTJua1lpT1FtY0pndThpUzRnTGo0d3Vid1JZOFNhTjhhamp0OEhqRGQxUkNqSHdsOHFFYUpTSTRhci00TFhyU1FCcW9KREFtQVMyd19iMmdzT1FXQXM?oc=5) · KRCG
- 2026-06-01 [Holy Rosary Credit Union announces leadership transition; Marquita Joshua named president effective June 1 - CUInsight](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPNklZRW1LZlM2Ym1LU3B5T2g1RzZBNHRIdjJhbm5KNXhJUEgxT2xCekRaS2w3c0JGYjdmdjBCd3BuandWRmdKM0t0QkN4ck5wWkJPMXJpY3NLQUFIUmM1OU8wdDRGdjN3TkktSF9XUzVOWlR6TF9JYWdFb2owU3doNVVtSVhuaEZNeG9RWHZrbXB2Qi1FQjhFc1JDcEc1aDdWdW1ZYU5pNnZ0TkhNdEpCVXFieUprbkc2ai1yMExfem45dm1SRjJ3RUFyUkRKYkp0am1rYkpOWExVYUhRUUxj?oc=5) · CUInsight
- 2026-07-10 [NCUA Conserves Missouri's WeDevelopment Federal Credit Union - CUTimes](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSWRESDhpZWg0SDhFZWZCaDNnM2F3UW5ycEZxdDFISDczUXNhZ0cwQVpfcDBOalpLV1FXLUpodkJBeHFETnl4OG4xV3pucUtSTDhmMVowcHBtR01nam1rSXJuaEk0NmQ1eW96N1ZBYzBlMXJRcEJxb01FMzEwVklmcGFtZlMtSG01QmlLVFZWSzQtSlA4VVF0c3ZyTQ?oc=5) · CUTimes
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-03-25 [Construction moving along on Southwest Boulevard Multipli Credit Union - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxOckVBYVg0XzVYMXNQZW4yLURPMkl5MWxFT1hERERRSjJNX05LY05qbWVNc2lWTFVjQ3puM1dBdkF3bjM3MDh4blBLRGhKZnlQTDhTVVVrTDVBUHA5X0NIeXlxTlNrNWFodWo2cFVaQU5XOTJqMk5GNFhnaEpyblJldjM0SFpKN1lUN0JBcWV5ODZSa285Q2ljOUp3?oc=5) · Jefferson City News Tribune
- 2025-02-06 [Missouri Credit Union and River Region Credit Union seek acquisition approval - KOMU 8](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPRXFENHlnT3N2azZFbG1ST3p6eE5OdnJzMTRjd1VLWGFSV1FuUlNBdUpOOUhLRVNMR3V3ZVplUmpVMnM1LUpaUTZKTFNKSF94WHZMckc3dHVBTWg2TDZ6QjEyZWtPcThHY3BlZEE2bDhOZ2FHd1BoV1JDNmJQYmYyWndxT1JHRUlOTUNvNDBlUzYwaFY1TVU2WDFEaFRuQUQ1ZjNZN1VOUmt3ZXEtMUE2ZzVjM28yUVM2RTVpMEE1N1JKazJBV0xuNUlpLUhnSXN6ZTE3SlBPTnJabm16X1dEeVZNUG03QWt6dVdaTE9TMkpvUGt3UmkzWWdlRXJuQQ?oc=5) · KOMU 8
- 2022-07-01 [WeDevelopment, East Kansas City Credit Union, Finally Approved for Charter - communityvoiceks.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQd05iS0lacHNpX3oyU2p2ZlNiRjc1ZHhfV3FOU3J6a09HcTg2aEVDVkNHcVNiRVMwc01tQ1NyYWZjTHY1YVdoM2lPWk9SQzJOa0l5dGxWX1lkbGRNak9mVm9Bd1B3cXJqeWlMdHo3Z3BlRTh5aTdxZnM5Ny1Xb09LSWxvQW9EeDFxbUlyZmlFVE4yWERya3hYa2x6UkNMckUtalNaUTdMLURKWmlDenVMaXN5cUgxUU8x?oc=5) · communityvoiceks.com
- 2025-01-07 [$198M St. Louis-area credit union merges into Kansas City-based outfit - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOaGY3VEVJU1F4SGZacERfc3Y4c0U0SGxpcEFFMGRCRWsybFZTaWNTTXc2VDI4bHB3MU1PQUJHcUsxLWNpQWF6WURtcEc1bVNaQkllZ3RjZmNHY1dMdUxhZFR3WFFZUzZqcWRNbUgzNmF5YUdyU2dRX3d1REtFZjZjczNtTm9ES2FHM2hsTS1nM1pQelUtU0I0X2ZFN2ZLRFhWWXh6YWtwN3ZidjA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67924 (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/20.json (key "67924", 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=67924
- 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