# EDISON
KANSAS CITY, MO · NCUA charter 67929 · asset band <$50M · latest filing 2024-06 · stopped filing after 2024-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/edison-67929

Who the members are: state charter, organized 1928. 3,178 members of 50,000 potential (6.4% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.0M |
| Members | 3,178 (-3.7% YoY) |
| Full-time staff | 6 |
| Net worth | $3.0M |
| Net worth ratio | 9.7% (p18 of band) |
| ROA (annualized) | -2.62% (p4 of band) |
| Total delinquency | 6.23% (p96 of band) |
| Net charge-offs (annualized) | 0.27% (p62 of band) |
| Loans / shares | 68% (p58 of band) |
| Cash / assets | 19.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p61 of band) |
| Operating expense / assets | 7.14% (p95 of band) |
| Vehicles % of loans | 31% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.50% (p85 of band) |
| Vehicle NCO | 0.37% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 5% |
| Average share balance | $4,992 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $26,319 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2021-09-02 [Christopher Stallings - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBEZnA5V3dRUnAzbTJfMkozbWZqdWlYZkRGdnRaSXhtX3FUWjRieF8zMVg5VUpKcjRqdTExYmUzWHBPNF91blhkNVMtb1Z5WWNvMlUtbFBYeWlobFh2MW91ZHVyXzc?oc=5) · Meyers Funeral Chapel Kansas City MO
- 2025-06-05 [Midwest Members Credit Union Male Athlete of Mo.: Jamal Burgess Jr. Breaks 49-year-old 400-Meter Record - RiverBender.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQYl9GOWNVaHVvOTY4TWJVOWZoQ19neVdkS1FFUDlaZGFLa3YtdEVTWEUzbDNfemhKdmtQX0dUSGQzMEFXaFZQVFZaT0oxYl8xUm1WdXF3ZDBWNFpOR0xkVlRUb2dCSkJ0ckxhc1VOaDJuZGl2M0prRWFWX3ZHeXhvQ3FndmRua3BQYmtOTVlfYmgyMDRCS3l4UG5Nb1ZfUDRSYjBiZlVKV2hzblI5djcta2lKcjBqRzM4eTl4b3lWMmxBTXFZSzhLNXN1N0dYZFEzUHhCWFdsNFpiNFFZSDVCZWhn?oc=5) · RiverBender.com
- 2021-11-25 [Emmette Braley Obituary - Gladstone, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSTdvMEFXSks0ME13UUV1alNTZjZZNzgwaDVfLWlUUl84N0pvNXZKM3h5dTczSXg4T2dpSko4bDRtLTE3OGxHeEZ3RFByN1FMaDJybXlRQ280LW1JMTA1ZXBTdm5sWmlmN2FqRTl5UUJidHZFNGxvLU5janRLbnlmNFhQemVSdw?oc=5) · Dignity Memorial
- 2025-08-05 [Midwest Members Credit Union Female Athletes Of Mo.: Shells' Basketball Group Achieves Perfect Academic Honors - RiverBender.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPa19lbDZYRjhSaURaNDFrcUx0Y1FjZ0R0MDRoNUIyS0ZQT0lzQ1d0LVpCRTNfNWk2UW1tVEctbmVsQXkxNmJTTGN3NHdMN2ItR3c0dElqRlpQTTRRWFhzbjdsWnpaWTJRZHFQaDRhdXFORmFhS1YzOFlIQXhyaUJtSWNuSVQzSVNGTXczTldBV1V5aXRuOG9GRTNPeHRIZ2J4dEtBX1hGVmJpUDlfSmZwUDJVYzAwSTM2MmFKcEZ5Tm9LV0Vrd09NT2NFdWMxT3NyWVdva3NPSkczSGktQzc0dUxJU1BobWN5aGFrQ2E5NA?oc=5) · RiverBender.com
- 2025-06-05 [Midwest Members Credit Union Female Athlete Of Mo.: Oilers' Lily Tretter Posts Impressive .425 Batting Average In 2025 - RiverBender.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQNTdUQV9nLTYxQ0d0ZjN3aS05UkpMeHF3dnNNMjhpV0ZPX3VGQzRZNV9iLVpJRHBHVHJoSS1ISXEzTm0zMnJ1Unc0Q082eFdjN19rOHVPUjVNV1RDVm1TWmVWa29DLUVFMlNBQ3RDdm13QUZvcUtfS3VNVmQzQl9BeHlLUU9iOG8xbzdJV0lja05OeXZla1JGems3eWhjR2lZNGJvYjFsdWphMVhwWkx5MjNpeWVxdnpIenk2QWhzMnZOczB4QURySWRTSEJoWHVWMmZ4Mzk5TFFnT3FXT2VIYlF2VTV3ZnVSMEpmWEo3Um1oaTItRUhBRQ?oc=5) · RiverBender.com
- 2025-07-16 [Midwest Members Credit Union Male Athlete of Mo.: East Alton-Wood River’s Malachi Carter Excels On and Off Field - RiverBender.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPZlJFQlYzN1ZCRURDOExUYk12YjN0Zk1YTE5KRGpYbGFac09XQlU1a3FGdlFwU29qekduUjJEaHFxbnB3OHBsTHI4aXpjdXVHa1JBLUY3WFdxSXQ1V0YybzNOMnh2SHhsZTFsVHZ0ZUNsWC04VjZDNWVXbXhVdUQzZlROemJLdkZUVlJITjgzU3MzaHlqd0RKRi1RX29FZlpqZ0d5b0h3X1BQTV8zOG9NaW1WTWN5OHRhR3pTWmI0VlJaM0VBS0dpYmxxVndTOGtUUTJZZGxiY1U5QWg1YWhxMVZvQ196VHpIV3dVUk92QmI?oc=5) · RiverBender.com
- 2024-02-28 [Piasa Birds' Lineman Sam Jones Signs With Missouri Baptist, Is An Altonized Community Federal Credit Union Male Athlete of the Month - RiverBender.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxOd1hKQjNCODlSdTliX2hZc1BSU2drMmw1RnhKMlV5RDVDWTd5VVV4ejNVc3Q2cV9xLVpfemNMQ014YnBsMkJfYmhxOHA5SU0wMkR2c0tiNENKOGE0NlBYUnNsM3hPcDdxSVhrWk9TLWsxQXhidGkwYlBseHBNN1FRRWpaN1lUMl9wQ2JoRzA3eHU1cXQwSWtfZEpySjB3bHdLNGJMSjNSUXVnNm81Vm1HaUhLOWVCbTdJbE41aFNtNEFoSWliLU9nUUlJdVJ2dDgxSnFBcTk4YUJFMGZuUDBfeFFmSFlKeTRrSXBmbVRNNkpBRTlNNnJWN1pscHI0Z3FsNlBCc3NQWnN5WEpWRkE?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67929 (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/25.json (key "67929", 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=67929
- 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