# UNITED CONSUMERS
INDEPENDENCE, MO · NCUA charter 68410 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-consumers-68410

Who the members are: state charter, organized 1941, low-income designated. 16,726 members of 1,601,412 potential (1.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 543.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $216.5M |
| Members | 16,726 (-3.4% YoY) |
| Full-time staff | 50 |
| Net worth | $25.5M |
| Net worth ratio | 11.8% (p57 of band) |
| ROA (annualized) | 1.21% (p81 of band) |
| Total delinquency | 0.73% (p61 of band) |
| Net charge-offs (annualized) | 0.23% (p33 of band) |
| Loans / shares | 82% (p72 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p79 of band) |
| Operating expense / assets | 4.38% (p79 of band) |
| Vehicles % of loans | 54% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 322% (p94 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.91% (p65 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 73% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 27% |
| Average share balance | $5,972 |
| Participations bought / yr | $20.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $42.9M |
| Loans outstanding per 100 members | 543% |
| Loans granted per 100 members, annualized | 280% |
| Average loan balance | $1,719 |
| Loans granted, annualized | $55.5M |

## Participation posture (from the same filings)

Bought $20.7M and sold $0 in the latest annualized quarter; $42.9M outstanding purchased (168.5% of net worth), $1.1M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | losing money, expense trap, delinquency 2x band, charge-offs p90, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 7 | net worth falling |  |
| 2016-12 | 5 |  | repo signal, net worth falling |
| 2017-03 | 5 |  |  |
| 2017-06 | 6 | net worth falling, repo signal | expense trap |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 4 |  | losing money |
| 2018-03 | 4 | losing money | repo signal |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 | members leaving | losing money |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 2 |  | members leaving |
| 2019-09 | 4 | expense trap, charge-offs p90 |  |
| 2019-12 | 2 |  | expense trap, charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2020-09 | 2 | members leaving | net worth falling |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 | net worth falling | delinquency 2x band |
| 2022-09 | 3 | leaning on borrowings |  |
| 2022-12 | 1 |  | net worth falling, leaning on borrowings |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, auto monoline |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 1 |  | auto monoline |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | delinquency rising, members leaving |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2020-12-29 [United Consumers Credit Union names insider as president - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTEVYVDBsSkY5OHRnTDYtTlpJbmY1VHh1dVZhYVBOREZKQkdtV0pINHNRU3dTZmZrTTZsc1ZkZjhSdm1FSU56Zm1UTmJxa2FMbWZ5Qi1DMkk2a0thNDRrLUY5MHVoSFQyaWllNHFlN3E5cklwUy1rX1ZIb2g5amdVR09xRlNta0k1WTRkMTg5dS0yejVITVE5QkxTY3N0X2tTTFVFUVNmOXc?oc=5) · American Banker
- 2023-12-04 [Paul Calvin Eklof Obituary Dec 4, 2023 - Speaks Chapels](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5RVV9UT3FRWGVPSTQ2NUxfUGtLVjBFdjJoWEFNTEVrOHNQczFDYjdmRUdBNlZxbEFXSTlYYi1Ob3MyRDdyME1WOC02Z3dLNVNIT2QwWHVoY08tVEhiS0h3?oc=5) · Speaks Chapels
- 2024-06-13 [Andrew Bernard Gottesburen Obituary Sep 25, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBRRzF6UjhBWmJ6Qmc0akFfU2tndEtCSFpVbFZwMUpDVnRrTHZONmU5WmdhTUhtUlBJMFpTVXhBUmFUOXJYTDd4ZkhiRVF1NEh5UmRKZEdSZ19xZk81Z0F0c0JSRVFEYzA?oc=5) · The Amos Family Funeral Home & Crematory
- 2023-05-23 [Tribute for Gordon W. Corn - Langsford Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBJVzYtRmZ3WVM0eTNGSW1jZGsxdlhDVVRJQjEzbFoxa1RtNVlpMVZoVzJWUEpRMV82R0dveGo5Rm9YemxuRTRGblJTR2ZpMk53Slh2Zzd1MmhXMjR3SW16c2Q0YzNkcHc?oc=5) · Langsford Funeral Home
- 2010-05-08 [Charles E. Braden Obituary May 8, 2010 - lindleyfuneralhomes.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBJS1BmaE1zSElSeU1RSmZNY1ZGVGtDRm1FdFBEN0JJcUROQVJoaF9DblVKZGtBa3JMZGZuNmsyUGNMMERHTTk4dnJRWm9hSlF0TXNDaWV0WVpnek8tRDMzN2hoNm5janMya0Eza0JEVUc?oc=5) · lindleyfuneralhomes.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2020-08-20 [Andrew M. Bullard - Royer Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE8yeFN1V3pxM21US2NKYzZEazJuWVVwUVJSbzVXTVpqaUdpWEFUQjhPeDViX1VoOU8ybzEyX3BQekkzZ1FETGNlZlJMd1E3VzNrYWVsY0s0Qko?oc=5) · Royer Funeral Home
- 2026-05-22 [Deeds of trust for May 22 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdE91LXNwQnZZWXNvNTNtUmRyYS14eVdMc0lrODZZOHFZSUhtcTJjdkF3b3NZbDF4N1N1WUlOeTNvWXlZdkItcnhtYjFUdzFXODk3OUJMZ3Qxd0V5UmppOUhYNkpwNG9xUmowVDBLYmw0Rlp5WVlMWGM3TW83bHdlaTNRWGpGbG5NMGJLRlc1TDUtSG9kRHc5TnVhUFB3a3phU2ZVTk0tOFdOY2FDNmFsOWNvUnVqSG14T195QVNPZUo1U29Vd0E?oc=5) · News-Press NOW

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68410 (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/58.json (key "68410", 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=68410
- 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