# M O
Huron, SD · NCUA charter 7020 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/m-o-7020

Who the members are: federal charter, multiple common bond, organized 1950. 1,759 members of 3,500 potential (50.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.4M |
| Members | 1,759 (-1.7% YoY) |
| Full-time staff | 6 |
| Net worth | $5.7M |
| Net worth ratio | 13.7% (p42 of band) |
| ROA (annualized) | 1.27% (p79 of band) |
| Total delinquency | 0.25% (p34 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 36.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p30 of band) |
| Operating expense / assets | 2.40% (p18 of band) |
| Vehicles % of loans | 23% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.01% (p65 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 30% |
| Average share balance | $8,698 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $22,401 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 0 |  | delinquency rising, assets shrinking |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | members leaving |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | assets shrinking |  |

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

- 2026-08-27 [This CD is offering 9%, and another 7.5% — plus 8 more of the best CD APYs of August 2026 - MarketWatch](https://news.google.com/rss/articles/CBMixgFBVV95cUxPTHpwR0Y5YTlwYThlOFlVdkd4NmdtcXdPRXBoMTY4MDd4UWJOajFjNko3eThOV2VPT1ZPMEs3MXFDUHZ2MlNRRmozTWY3TE9iV3FWamxPRlAxSFRkZ1p1QUZvRVR6dUhmQklFdU16a252VldWTW10RWFHRFFhcWtYcFFaTkhKQkIyUy0wQXhvU2NXQmV6WUNVQjNPT3JWcGhEY1lPakg5VDc1LXdGbkRjS1VRdldNSHI3VnNnczdfdUxMSEE3dmc?oc=5) · MarketWatch
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2026-04-14 [8 Career Moves Include Executive Promotions at Star One, Mission Fed & Service One CUs - CUTimes](https://news.google.com/rss/articles/CBMivAFBVV95cUxOb3k0V1dQSXFLT215SW8tUUJpcEZ2QS0tT0ZQQjJpS1ZSMVBCQXg5akFBRVNuNTRUa0FGdDNDeV85anJUQllUU2VTMERJc0lDX3dIS2RZeWJyNF9pX3pSdVF6aGdJa1RpUUdEUnQtZEV5QXNLU0lKY0poTFJnOWJTWWNVdFVraFZmdVRpYjBKMUZGY2VJNzJ4dlJ5RUxISU5adXlQNlVMZjduTllJWURoZF9DdGIwVHNTWDJMQw?oc=5) · CUTimes
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-06-08 [Jean Ortega Obituary (2026) - Branson, MO - Snapp-Bearden Funeral Home & Crematory - Branson - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9TQm1PeHFQcW1QTEVsdWdPWWtqTV9jYVltZE5jS1JBdExPSHJDZFdab3VPRGJOeHZJcU83MTZGRmtXN1dJaFRQVEhxUFk3NDh2bVRmNnRaYUxXTkkwaHpmM0RvX3ItbEUwU3FnSUp6Nm9uNFlmYno4YVl5MmpHaUU?oc=5) · legacy.com
- 2026-01-26 [The Fray Announce Summer Of Light Tour With Special Guests Dashboard Confessional, Colony House & More - Live Nation Newsroom](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOSEdPdThITzdWM3JnSUlCbmh0VWE0bTlaZlJzRXhmaktvbElHenIwcnJnbDBEdW5fVjZnbGZBQVpFOExMd0tRdHpxTUhPaGlMaF8xNlZRN1ZLVVpZbVptR0hpVklfMGs4aGJKTWZuSFhya3FKTUxqMndxWVNHd284YUZKTTZEZ0NDRWlsT0Z0VVlwRnlJeW1SRk9GVHYxdExraF8zSVppeWJKTnJPOWE4bUhOeHpaa2I0V1NNNkI4SXZKWTVGQThvMEZscmQ2ZzA0VWw4?oc=5) · Live Nation Newsroom
- 2026-07-29 [This CD offers 9% — plus 9 more of the highest APYs of July 2026 - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNWJqbldFMTVlcjhmT3hPTG55SS1DelFEV29FZUlaejFJTXVTTzc1YXE5eW1QdTRhZjhpTl9xR0FrOTA4TUV4aEpvLVJmZmtMQkI3cl9UYjdkQVR2QjV4RERfbUtfa1NFNVI1T0h0WV8xUldzYzNvck51dVNOYXB4bWRLeXlJbUlWdFhEYjQybDFkTjBhbWMyQnV0WVQwMEp2a3FwQ0JSeTVFS00?oc=5) · MarketWatch
- 2026-02-20 [Kid Rock charging $5,000 for ‘First Class’ concert tickets for his tour - MLive.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPT0c5Qk5BY1BuSlJGdjZlMGdHeWQyMTgtNnVrRV9PZHdGWXY5S01qb05FeVMtUjB5d2NrdE0zVGt2alpVaFJxWTNFNmR2cURnU0hHcEh1RDZpTjdxOC1IYy1zd1c2b1NMeU9PWVRrOUVqUk1UbkdDYXdjVjN5czdOa3JqWEdhSnpUSVZCTVI1amxMZDRRdENOX0RRUzlidms0cDJvNlp3VjY2QnRKRmtv?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7020 (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/44.json (key "7020", 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=7020
- 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