# KANSAS TEACHERS COMMUNITY
Pittsburg, KS · NCUA charter 67995 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kansas-teachers-community-67995

Who the members are: state charter, organized 1949, low-income designated. 10,915 members of 50,000 potential (21.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. 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 | $125.5M |
| Members | 10,915 (-11.6% YoY) |
| Full-time staff | 28 |
| Net worth | $18.7M |
| Net worth ratio | 14.9% (p81 of band) |
| ROA (annualized) | 1.30% (p83 of band) |
| Total delinquency | 0.79% (p63 of band) |
| Net charge-offs (annualized) | 0.36% (p54 of band) |
| Loans / shares | 58% (p30 of band) |
| Cash / assets | 36.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p74 of band) |
| Operating expense / assets | 3.65% (p49 of band) |
| Vehicles % of loans | 62% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 68% (p62 of band) |
| Vehicle delinquency | 0.85% (p65 of band) |
| Vehicle NCO | 0.70% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 17% |
| Average share balance | $5,391 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $17,295 |
| Loans granted, annualized | $29.4M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 0 |  | net worth falling, members leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | auto monoline | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling, margin squeeze |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 3 | loan book shrinking | delinquency 2x band |
| 2022-03 | 2 |  | 3rd-party paper>100% NW |
| 2022-06 | 2 | 3rd-party paper>100% NW | loan book shrinking |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | members leaving |  |
| 2024-03 | 5 | charge-offs p90 | delinquency rising, members leaving |
| 2024-06 | 5 | members leaving, loan book shrinking | assets shrinking, delinquency 2x band |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 | delinquency 2x band | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-06 | 4 | charge-offs p90 | members leaving |
| 2025-09 | 4 | delinquency rising | charge-offs p90 |
| 2025-12 | 1 |  | loan book shrinking, delinquency 2x band, delinquency rising |
| 2026-03 | 2 | members leaving |  |

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

- 2026-09-04 [Pitt State announces 2026 Honorary Family - Pittsburg State University](https://news.google.com/rss/articles/CBMinwFBVV95cUxOS3V6Slp5MnN4V3B2TEdNakwxMkxPRWs1ZkN6aFBHYlVRM0hXTlo2S3MzY0xIYXpCTlo0ZlR3b3kxdHN3cjNXcl94aWRiMHV3djAtTVlOT3VrS1pVdENaWWhMSmltTDNFbkRvbVF1eWRKcE5hODhYbkVHcjkwRFFMQk5adm9WVnBIRnJoZWNTVlFlVkhBSE5WQXJRdXBjWlE?oc=5) · Pittsburg State University
- 2022-04-27 [KTCCU: Low Interest Rate for Vehicles Are Offered - Fort Scott Biz](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWlpFZ1NtV05zMzBoeldQX2k2ZlBCQXhmVEdzTUc5Y3JlcHZTdE5YczdkQ0pHWW9Lc1M3eTdiOXpPYzU5SzBYUmdrZ2FLX2dOSW1vV1FXZWFmSGNyZ3I2TkE2eGZSaXJXbDJCN3owQklkcnZ3dDJZYmQ1Q2c4ZnFHYdIBhgFBVV95cUxQUUljX2hUYWZkLVNYcS10NVdzSTJSTlJtbkRLUjRCSi04QzFsYXRpN1cwVFF4dXRlQThDTjA1TXlzZ01taFBkNlQ3aWVrNTFyMEJ0RF9UdlhlcWJnOUltVG9IZXVuS3VUSDdrMk5WMl9qNmFHQjdMcW93V0VBajZuRGlpUXI1QQ?oc=5) · Fort Scott Biz
- 2023-09-01 [35th annual Little Balkans Days underway in Pittsburg - koamnewsnow.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOZkNRRkd1eWlucHB2Wnp3Qzg4ZUl3ZGhhQTYyUmMtZ2daTHFRSE5iUGk2U0w5a2l1SU9DbGlLbW04QjRGM2FqUzRsMFBobjJOb2xMdDdmaTlVYnhHdm9XZXd2TVR3ZjNPRVRVcVFqU0lCX1hXblhrazBBdzNzUldFVHk2NDM0MUZ5M2E5aHdkMjNWVG1fazk2dGVEU01LWm9zZ3QwMDJ4SGFuMlNsRXlWU2xjbVFkQ1BTbk9GdVZmcE5NUlZxZjlzMHE0ZE1JdEFrc3lWcEgxeXBlTmQ5QVBRU0NB?oc=5) · koamnewsnow.com
- 2025-10-03 [Friends of Tri-Valley Foundation 6th Annual Fort Scott Golf Classic Results - Fort Scott Biz](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNHRMS1VyZmU5SFJQQXJFRHZhQ1pKYUxlTmVYQlhFa1hmcUJfekoxTk9mMmRsOUNtQnpsd2xWRHR4M0VoR0ZESEdDUmJXVUJHWjYzdTRwYWtaY0d0Tl8zQWt6N0ptZS0ydERXbE1ZTjUyb29nS1ZIbF9QN0pKazAyaldOUVhoeFdQNVdCY0Q5ZkE2MlJOT0p1ckxJTjVXdFhxTi1MdtIBqgFBVV95cUxQaTM0M2tDQ3B6RHJPSnlxV2hoX3VyOGE1SFJjZGtoazNYSmlSZEVVN2Jtd2NCUDB4Y25WcDFDVzUweG9MLXNPTU1sVmFIODhsMzVxTGswSklXSHFnN21ZeUN0MjM2WEt0NzItOFYzbVlkTUVvb1pvTExFWnhKNXhhVHZHaF9iWlc5Ync1OVhBSjhRTFQta1ZrUENoMFdwVVdhNGpXWTZ0a2RNUQ?oc=5) · Fort Scott Biz
- 2022-09-03 [Winners announced for Pittsburg’s ‘Paint the Town Red’ competition - koamnewsnow.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPMEd5VzVxNUptN2pUbXBFeVV0R19hWUdLdzNBcjNJZEh6YXRxaFU1UGxEeUdhWjhCMlN4NzBfSzhTRUN5WE03MTVfODlpNFlpQzRmeWhkUHFDejNWTDdSYTg4RVRuUkxYaFJFc0tqMG91WG1sc1hROFBmVWo1N3lpbGIwLUlpSkswN2ZEaTNhc2x4Y3Q1Wll2c1R6cVFJNHRFMl81c2c0cmxKZ3BkT0hnMW5hM0lpQV93UjJIWDRIa0ZmTnlOUWhmU3pVcEc2azdCX0hfVWtJNDJ2eWU0TjB0TUFsc0R4YjRDSmcxLTh4MnU?oc=5) · koamnewsnow.com
- 2014-11-08 [Rebecca Drysdale Obituary (2014) - Coffeyville, KS - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUEVSMUpnZWpPRE1PLU9kaEFlSXpkVnA4WE54YlFUQXBYUjI5cFA0MkZ3ZEo4blcyY1NtTGFuUXdkYkFxRzZCMVktbTRySXVNSnNpV2lWOTN1T1k0R195VHdLT0huaXllY3dHQ2dkQWtNZTNzUmc0RWxrR3VtV0g4MUxES1FPQlhX?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67995 (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/27.json (key "67995", 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=67995
- 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