# GREAT PLAINS
JOPLIN, MO · NCUA charter 6853 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/great-plains-6853

Who the members are: federal charter, multiple common bond, organized 1950. 28,251 members of 241,342 potential (11.7% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $323.2M |
| Members | 28,251 (-2.3% YoY) |
| Full-time staff | 81 |
| Net worth | $41.6M |
| Net worth ratio | 12.9% (p71 of band) |
| ROA (annualized) | 0.21% (p15 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | 0.83% (p84 of band) |
| Loans / shares | 39% (p1 of band) |
| Cash / assets | 12.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p9 of band) |
| Operating expense / assets | 3.50% (p42 of band) |
| Vehicles % of loans | 54% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 76% (p49 of band) |
| Vehicle delinquency | 0.81% (p67 of band) |
| Vehicle NCO | 1.95% (p89 of band) |
| Repossessed % of vehicle book | 0.11% (p73 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 35% |
| Average share balance | $6,365 |
| Participations bought / yr | $21.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.9M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $17,877 |
| Loans granted, annualized | $22.1M |

## Participation posture (from the same filings)

Bought $21.7M and sold $0 in the latest annualized quarter; $6.9M outstanding purchased (16.6% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares -7.1% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | repo signal |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | net worth falling | repo signal |
| 2017-06 | 1 | repo signal | net worth falling |
| 2017-09 | 0 |  | repo signal |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | net worth falling | delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | repo signal, members leaving |  |
| 2020-03 | 3 | net worth falling, delinquency rising | repo signal |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 4 | net worth falling, delinquency rising, repo signal |  |
| 2022-03 | 3 | charge-offs p90 | net worth falling, repo signal |
| 2022-06 | 4 | repo signal |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 6 | auto monoline |  |
| 2023-03 | 9 | net worth falling, losing money, 3rd-party paper>100% NW |  |
| 2023-06 | 8 |  | net worth falling |
| 2023-09 | 6 |  | delinquency rising, assets shrinking |
| 2023-12 | 7 | net worth falling |  |
| 2024-03 | 8 | assets shrinking |  |
| 2024-06 | 8 |  |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 8 |  |  |
| 2025-03 | 5 |  | delinquency 2x band, 3rd-party paper>100% NW, assets shrinking |
| 2025-06 | 5 | 3rd-party paper>100% NW | auto monoline |
| 2025-09 | 2 | loan book shrinking | repo signal, losing money, net worth falling, 3rd-party paper>100% NW |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | assets shrinking | charge-offs p90 |

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

- 2020-12-11 [Buyer for former credit union building at Central, Greenwich is another credit union - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTjBvQV9yOVFyQ3NseTF1dnA1WjBGbGFmS3FjOVNkSEttTThHRGF5RTRLa0VxZXZHNG5KcjYxdE04ZTdoRTBaYUpveWhzcmZvaDlUMzBnTlBfdmt1UVBuOUpxdjltMjJ1NnV5N3h2bU9DNTZSSmdQTXRqc2N2Yi0ySmlWLUVLc3ZDampVTWpfYlRzaFMtRTdyT2xmOGpRNVRHNmc1V1VnUk1oVEU?oc=5) · The Business Journals
- 2025-02-12 [Great Plains FCU Selects James Wileman as President & CEO - Ad Astra Radio](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUjJaQjMzZHNfTFFfZ3p0MGNFLXVCM1FOUHdPc3NXU1VrbkRWX3JDUmM2SUZsdGFyZjVIWF96RmhmX3NRSGRPaVRWQTlBbWhKcDc4ZTd1X2FKQUZTUmxyRTNWdGs3Y1pIQlUtdDRFN2FvVm51WXZCbWVnV2ZzbFVzbXJWcWQ2QnhVdzdSdXF6Zm5wVkNIRVlxLW5BOUZCU28?oc=5) · Ad Astra Radio
- 2025-02-16 [New Leader at Great Plains Federal Credit Union - KSAL News](https://news.google.com/rss/articles/CBMieEFVX3lxTE54Y1VyQU0wd193ODVUQWFkWXMtR2ZUT2w1R2JWb1NSOGtaZDRLSDNhemdzRUtkNlJfbTZLQV9wT1MxX2JQWVl0Rl91Z25HbV9WaFlMcG1ab0VDQlVoREVnaWcyMXd6S1RKdDVXR2tlNTRMQ3JRcXd4ZA?oc=5) · KSAL News
- 2026-02-23 [Free tax service for low-income residents in Joplin - FourStatesHomepage.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZnBEbGFyLWRPQkg3VUxqcjM1Z3kyWXhpbEY1S0dzUVpfU2hWUEJCekpDeENnREFGRU9Fa21yc3FoTl9JR1lfZW1fVmhJc3ZQX0VEUlE2ZFBZQ3pkZDRvVF8tTXk4LU9OT2JuRGJscVlDQVRSUWNaWDBaSzJaVmM2Y0NTV2tZNFI2WWRfdTUtbi1pZ3g1aHlDcjZDeEhKbE0?oc=5) · FourStatesHomepage.com
- 2024-01-26 [V.I.T.A Program offers free tax services in 4-States - koamnewsnow.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQQi01bzJCRkEtWUlsanZHUGxnWkZUbUNjd2tzSWhVcTkzdEs3UjJCaWlNUDJ5U0hfbmFrYTdVdFp0Z0hZQjNieWZoN3JXRG54RDU1OE8yV3hfaDY2OTJXWHlCZUJtT005TDRBT1cxZ3FwNndsOE5hbU45dnZiaHVBNG5TY3ptWnJYOXBwYU5fNWRKQ3RXbG9XMTl4WU0yT01xTmpoT09zaXdYd3M5TUNBVmpOVFZCbDMwb0RaWTNyRzc5VmdMTmo3dWU1bTVyc0xIMnUyQk5qeDNhNDItdXBn?oc=5) · koamnewsnow.com
- 2022-09-24 [Gerald (Jerry) Martin Kassin Obituary Sep 24, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBSN242a01ZajZrNXpBVWVaTFBseV85UHBaWld3UUVlb0Z3bkJrWkRjV1lwcTRoaV9iR2N0Nk9aeFhyY2NCY1A2OGJ0NENNdURCYlBvV3Z0cHZEYUlRS1JrWFNnNGJEVDA?oc=5) · The Amos Family Funeral Home & Crematory
- 2023-05-05 [Police: Cash box stolen from Kansas credit union ATM - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTFBVc0FFZnI5cWo2WUlUdi1TblBVcml1T1ZseXFzNmxZc3VTa3NwaWt0eHgtMnBCSjBVZHRVREJ6bDRfS05TVnpOZDNBNlB3MTdaQWFJMVlfQnZLQkFBWTh2NDYzNmJCZ1JzTzQ4TWhURWZpZw?oc=5) · Hutch Post
- 2022-06-15 [Dr. Jeffrey A. Zimmerman appointed dean of Drury’s Breech School of Business Administration - Drury University](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZk5USW0yWFpBYTZXcXg5Q2tZdFJVejNpZUpWbW5XWGN1N2FEdHJtLVBXVXRZSHlwX2xJRmRadE80cWpDVkFxa3otQi12alhHQWFROC1lZEVfdFQwRzNWRTZ0dFRoRWhUWHJsT3N5RWNHR05ibzdJdjZmWVE0U1AwVWdXc0RlU1cyZW52TFJKY21LV3Q2azdXekY0eDhCei1RSzNYQTlVTHJwVG5mbDFzOU1RMWVnZ2owNHBpZWxGQ1VKQm8xTmotYXlMOWttOGtIcEI0dg?oc=5) · Drury University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6853 (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/5.json (key "6853", 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=6853
- 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