# CENTRAL KANSAS
HUTCHINSON, KS · NCUA charter 67987 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/central-kansas-67987

Who the members are: state charter, organized 1937, low-income designated. 5,920 members of 30,000 potential (19.7% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *too clean*. 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 | $37.1M |
| Members | 5,920 (-4.8% YoY) |
| Full-time staff | 13 |
| Net worth | $2.5M |
| Net worth ratio | 6.6% (p2 of band) |
| ROA (annualized) | -0.30% (p14 of band) |
| Total delinquency | 0.16% (p23 of band) |
| Net charge-offs (annualized) | 0.30% (p58 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p47 of band) |
| Operating expense / assets | 4.46% (p77 of band) |
| Vehicles % of loans | 69% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 35% (p94 of band) |
| Vehicle delinquency | 0.15% (p35 of band) |
| Vehicle NCO | 0.18% (p64 of band) |
| Repossessed % of vehicle book | 0.02% (p90 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 0% |
| Average share balance | $3,431 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $8,648 |
| Loans granted, annualized | $9.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, auto monoline |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 2 |  | capital below 7% |
| 2017-03 | 4 | losing money, members leaving |  |
| 2017-06 | 7 | capital below 7%, net worth falling |  |
| 2017-09 | 6 |  | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 4 |  | losing money, members leaving |
| 2018-06 | 6 | losing money, members leaving |  |

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

- 2026-07-21 [Union Pacific’s Big Boy No. 4014 to Arrive in Central Kansas on Thursday - Ad Astra Radio](https://news.google.com/rss/articles/CBMiswFBVV95cUxOUDRDQ3g4bFVtcWdhQUtlN1NreFJhMVlaSkdYTngwekpZaWFRdEhIS3VncnpDX0xYQTNsQUNBY3ZxYkYxYmc3Uld4WGpyUXpFRGFRTWcxd0dDQmYxZ3EzS2hiVEd2bURkQ1VsblZOMVJHb00yQ1BQcUJ4TDBMWi1oT2YydnFYUXFDWDNzaThZTWI1UHBCdWZqcDhkMTE0LWFlN2JIeGlMQjcxeUVxZ1A2MVk2aw?oc=5) · Ad Astra Radio
- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2026-04-08 [Woman, baby escape car that drove into Kansas pond - kake.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxONVdLYTB4ZGxDTnN2RVFILUd3ODctdVAzQTB5TFFHZFpUZDNfT21OTEF0YkNJeHpBa1AzV2t5b2E0NW9Zcm9LMHpEUDJBM1kydGdodkdOWk50czR3U29NUEFMa1Z0ZjZJOEpWT295ZVRoNUI5OWUtM29yZVN2VC1aaFFKV1RMd19LOUxBTWVJWWVtdmJuOS14aUthMm9fN0U3UEJsZllGUGVhaHFQRWM3SlgwSVRkNUxXc3FKZHd0SDJoY3c?oc=5) · kake.com
- 2025-10-06 [United Way of Central Kansas brings Reality U financial literacy simulation to local students - Great Bend Tribune](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPQjA1bkdZM0tsZ19rRHp3TV93TjdVRDE2eDNWWnM5ejV1OUdYYVRHS1lwaE85UFdmMk8wR1d2RDVJQXRNckQ5MVdhUWZGV29LdmNERjVEc2k2YlRzeVdmVG5hTTN1azh2NzFiTWdHaVVnWlprd0RNQi1qNm9fckcyM0RxNUJLU0NUTmpJaTZNM0M0ZmVINWlqVlJHQzBBbDN2Tmh6eG5wakxzUlR4WHVMTHFqY3poS05Kb2IyTktmNHV2OTU2N1ltbVYyc3RUQzVnQnc?oc=5) · Great Bend Tribune
- 2018-07-15 [Merger of Central Kansas Credit Union, Credit Union of America finalized - The Hutchinson News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPNC1UQlBINW9tSmN5ZnJRbzFaaGZMaWxpOW1yX1h0Q0VqeDhQYjRqMUxSVEpQT3ppR2JiNEFPQmNta3NTZGhVQ25wdDNJRjM2RmNtVXZGMnluQS1hMVVabjhINFZsMTA1V0hnTENHVXFPVzd2bzhzOW5Tc3dIWmFZOEcwdW50OFFPZWNiU3hudDNSX3FadVAxa05pYUdEczNPQXN6dnlFdzdpbUxiY1VqM1FINlVkZXRlX2tncU9scjNJb2ZPRXNpSmFyaVpSbUMzRF8za0xqUVpjOWM?oc=5) · The Hutchinson News
- 2023-10-14 [Donna Jo James Obituary Oct 14, 2023 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5teGhfSnB0RW5HcWpHRm9LZktnVGhjWk5rUkVGZ3E1ZUVkcFp5NHUzOENPMmlkNzJPVVlVYW9kTTgxMDhnSnU5U3MzZXlKQzU3WmhvWjg0d3ZBcjVNWnFWLXlQZ3A?oc=5) · Elliott Mortuary &amp; Crematory
- 2021-12-03 [Two Kansas credit unions — one with Wichita ties — will merge - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZmJJSUpfQUExZFZ4SGI0aldFM181RUl3Y3F4QU1KaDB4bHRCNFlnRFpsSVRwUmY2X293V0lsWG95WFhJVnM3ejNnMVlFT2hHTnZadWR3dEZQVG9vZVF0OUl0dkE2MEdUbXpjTWlkRC1BaTlsSkY1bHEzOHhzOFJrRUNfNHo1dlhNZElSWVVRY09qbFpkRHBkb1dn?oc=5) · The Business Journals
- 2025-11-18 [Wichita police notified after skimming devices found at two Meritrust Credit Union locations - kake.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxORVBmMGhsVV9jR1RqeF83bks3empXZDVJRU9maEhtZS1HaFpxQVRnX0FWbE1nd1RTMjVVbTRaaHNWNGZVNXV2R3JBb0ZHSmF4QTJOTWRnUnJyM2RkR3BlNzZKR1Bha2FxSlNaQ2tYakcwczBwRl9qdjBrMmR3NGo1MGs4MWhqa2tGQ2ZqQUN6YlRFYXEwN1VfQmdSLUVEQ1Z5c1BVQWxIT3Zic2hXdmlNRUxnaGR5RFNVUWowZWl0cUI3d3Y4MkUyeXdoTVRwVGFfWGNCOURYSFhxRmFzcmd4aDQ5dVFDN2lJZzc0V3UzaDFJX0ZUa3JzejltblI?oc=5) · kake.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67987 (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/19.json (key "67987", 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=67987
- 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