# ENTERPRISE
Enterprise, KS · NCUA charter 68407 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/enterprise-68407

Who the members are: state charter, organized 1949. 300 members of 238,834 potential (0.1% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.4M |
| Members | 300 (-18.9% YoY) |
| Full-time staff | 1 |
| Net worth | $96,498 |
| Net worth ratio | 7.0% (p3 of band) |
| ROA (annualized) | -0.95% (p7 of band) |
| Total delinquency | 2.50% (p84 of band) |
| Net charge-offs (annualized) | 0.63% (p80 of band) |
| Loans / shares | 83% (p76 of band) |
| Cash / assets | 21.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.73% (p86 of band) |
| Operating expense / assets | 7.63% (p97 of band) |
| Vehicles % of loans | 72% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.48% (p90 of band) |
| Vehicle NCO | 0.60% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $3,286 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $6,874 |
| Loans granted, annualized | $505,021 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **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`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 | charge-offs p90 | thin capital, expense trap |
| 2016-09 | 4 | expense trap, loans>95% of shares | charge-offs p90 |
| 2016-12 | 4 | thin capital | loans>95% of shares |
| 2017-03 | 6 | delinquency rising, loans>95% of shares |  |
| 2017-06 | 5 |  | loans>95% of shares |
| 2017-09 | 7 | net worth falling, charge-offs p90, members leaving | delinquency rising |
| 2017-12 | 5 |  | thin capital, net worth falling |
| 2018-03 | 4 | thin capital | delinquency 2x band, charge-offs p90 |
| 2018-06 | 6 | net worth falling, margin squeeze, delinquency 2x band | members leaving |
| 2018-09 | 6 | charge-offs p90 | margin squeeze |
| 2018-12 | 3 | members leaving | thin capital, net worth falling, delinquency 2x band, charge-offs p90 |
| 2019-03 | 8 | losing money, delinquency 2x band, delinquency rising, charge-offs p90, assets shrinking, loans>95% of shares | members leaving |
| 2019-06 | 6 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 9 | thin capital, net worth falling, delinquency 2x band, loan book shrinking | loans>95% of shares |
| 2019-12 | 10 | delinquency rising |  |
| 2020-03 | 6 | margin squeeze | losing money, charge-offs p90, assets shrinking, net worth falling, delinquency rising |
| 2020-06 | 9 | capital below 7%, delinquency rising |  |
| 2020-09 | 8 | net worth falling, charge-offs p90 | delinquency 2x band, loan book shrinking, delinquency rising |
| 2020-12 | 6 |  | net worth falling, charge-offs p90 |
| 2021-03 | 6 |  |  |
| 2021-06 | 7 | net worth falling |  |
| 2021-09 | 8 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-12 | 6 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 5 |  | margin squeeze |
| 2022-06 | 7 | losing money, assets shrinking |  |
| 2022-09 | 6 | members leaving | losing money, assets shrinking |
| 2022-12 | 5 | assets shrinking | capital below 7% |
| 2023-03 | 7 | capital below 7%, losing money | assets shrinking |
| 2023-06 | 9 | net worth falling, assets shrinking |  |
| 2023-09 | 7 | loans>95% of shares | capital below 7%, net worth falling |
| 2023-12 | 9 | delinquency 2x band, delinquency rising, loan book shrinking | loans>95% of shares |

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

- 2026-09-01 [Best Credit Unions of 2026 - Forbes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBOaDBEWE9fLUJGRTZsVUVkSUpuS2hYVDFJdTVveUd3Z1YyY043ZXVuQWQwbXpTUlh0Q2FIZUxfTnFzNWUwSlpuS2Vrby16ZXIzNmdtbVdmRVdwQlVkZ01JUkZmN2tFQ1E3Y3c?oc=5) · Forbes
- 2026-05-28 [Sushma Niwalkar, Hired at UFCU - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxQY3ZyeU94SXBYclNFU2pTaWJHZWxZUFAwS1gxLTB6TWRwWExaNmlwcGh4aEdGMndQc0N0V0Via0UtOUg1cjg0dEtrM2JVdmFBSDBXSXFuSTdYQTFuM3Fpb094R2tLODhfMEIteWRPU3hTNS1xZUVUTzFKLVZRNmVVcHJCRGVCWmhaUzB2LVpoM1g?oc=5) · The Business Journals
- 2026-06-06 [It's Your Business has Lisa Wu, Tyrone Wilkens and Dana B. Weaver - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiywFBVV95cUxPdmp6eHloS21yVFRjbUZ5akFEbHFFMUlUSFFaRE9aa2tKa0RoVjNaS1hGWkZlcUZNbm5IYTJscVkwcWVHQWp3MFgzcE9mNlZGeVUyVWNEMV8zUGhkcE1EN0ZRSWtBRkpiZ2VQVVlKLU05WE1wZFRoNUJPWWNYZFBraGdOclBKSnh3N1RCYVF0NUgzVUhNU0h3VkNra19sa3AwSHk1dmtIeEM5V0lKOHMycFo1VkhIcWVsMnVLQWhuTnUtNmVLYjBVVXF5dw?oc=5) · The Topeka Capital-Journal
- 2022-08-29 [Abound named credit union of the year - The News-Enterprise](https://news.google.com/rss/articles/CBMizAFBVV95cUxOQTBTTk52U1lPaVJ3QnhBV1hvaHpwTGVCQl9VRGtQYVVwU0xSMG9vYUU4MTg2YUxRZV9zWEZVUkRVM0NyOVkwcERYT2lLSWp6TTJvZHU1S1hXNGo1WXg4WjFad1d4TzYxOUFXS0dRS3QwanUtYk9lM2V6MWJFSkRHNmwzYTFSQkxwZXlEWWZzS2M0a0wtdnFLa1JON3dRclV5UTJORjZRVWxISk1aZjBmazFEOUJuMlJZNTJ5dFJlc2VvM3RJOHFySkJBMVI?oc=5) · The News-Enterprise
- 2025-07-22 [Enterprise Center launches premium membership program - FOX 2](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVjZ2QXpjeUswT3kwLUJ4OW40czdJNmJMVm96WkxfWnlFSkFQZmszcDY4c3V2OFhKN1JXaG41S2s3S1Z1a21PZXotN1VvQjl1cW9oZGFsaElXQXVHZGlURU9ybzJBOU9GVG1HMU8xbHoweVEwTC1yOEVGSHB1VlZ6Nk9VVnBWN2J4dHpOc1o4S29vQdIBlwFBVV95cUxOazhmUWZ4WHl1V2d6Rnk1M1V5bnJtaURwVUdLX25ReTBJbFc4Z3FLQU8wOS0xRENiSXFuTWpPa1Bya0twQUNTMWt1eHRPZUV0Rzlla3c1RFpHdzVjZkNPSzVJMzB5UnUwb1NRaTM4SzhYUVZjZVZEdV9pRS1WVU8xVGpKaEtrc1A1MlJVNUhVNVBJRFQxcDBZ?oc=5) · FOX 2
- 2022-02-02 [Achieving Universal Banking: Lessons from the Delta - Nonprofit Quarterly](https://news.google.com/rss/articles/CBMiigFBVV95cUxOUGk5QXoyZHBMM2hiT2ZXcXZRQmVuS0psRWhfcDdyeHJVekROUnpTSjA2bXY1UnB1a1BxTXVqQmRjYVdubm5GVWQtZkNUU3RGOWMxejhpQnA3ZnM1VGdjb1QwdFR1VXhhOU94Q2ZqV0lWcGZRV1NpcmpkSnhSSl9WalRNRWNJek1ldlE?oc=5) · Nonprofit Quarterly
- 2022-12-11 [Basketball: UC Davis men returning from layoff - davisenterprise.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQaFI2aHBfYkJWYnR0QU10LTRkRURrT25DYWx6WUc4MVYtVGxUaU1pbU56ZThQUDZhVUlKNTl0VFZ3YXNuQm9MTi1mazNld0xZRElHWWR0WU1lQkJxdkk0RkZnalhKM0xYdWFqWktiTUl6NW5Ndy1YWDVIQVRVWHQ0aE03WGZ0dFpNbUI3bW1iMEZxUlR6a3IweFB6cmRVaFp0dXFfYy1WTm9JVC14R1dPT2dGcHQ4M3FMUnNjMDJVTWhhVW5pZ1pIYVEwY21qM3VFbnQyUVozaHU?oc=5) · davisenterprise.com
- 2025-05-21 [HOPE Credit Union plans new Birmingham branch - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVXRqWDdFQUJkdEVtcmJPU0kxYXR6QmYzb1RuYlRCVERNZGJiRFc5TmUyelN4ZjNIRkR5WlJQWTAycnhRVjFpLWR5ZEZ2N005QmNBVk8yVHNZa002dTQ3VFd1Uk1vcE1EZXJhakZKZjl4aFRiSU1iaVF0RVZQTllBZV9OVFlHOFdIR202RF81YWJ4T1VKQWFPQVVtazd6Y2s?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68407 (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/55.json (key "68407", 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=68407
- 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