# OZARK
Poplar Bluff, MO · NCUA charter 7641 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ozark-7641

Who the members are: federal charter, community charter, organized 1952, low-income designated. 20,804 members of 750,000 potential (2.8% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $142.8M |
| Members | 20,804 (26.0% YoY) |
| Full-time staff | 60 |
| Net worth | $15.9M |
| Net worth ratio | 11.1% (p42 of band) |
| ROA (annualized) | 1.52% (p87 of band) |
| Total delinquency | 0.20% (p15 of band) |
| Net charge-offs (annualized) | 0.18% (p30 of band) |
| Loans / shares | 88% (p87 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.68% (p91 of band) |
| Operating expense / assets | 4.65% (p81 of band) |
| Vehicles % of loans | 52% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 136% (p76 of band) |
| Vehicle delinquency | 0.32% (p31 of band) |
| Vehicle NCO | 0.22% (p32 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 18% |
| Average share balance | $4,461 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $16,597 |
| Loans granted, annualized | $60.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (7.7% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 23.6% year over year.

## Flags firing in the latest filing

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

## 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 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | expense trap | delinquency rising |
| 2018-03 | 0 |  | expense trap |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, expense trap, delinquency rising |  |
| 2020-06 | 3 | margin squeeze | expense trap, delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2022-06 | 3 | delinquency rising, 3rd-party paper>100% NW | margin squeeze, net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | thin capital, delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | net worth falling | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 1 |  |  |

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

- 2026-05-29 [Ozark Federal Credit Union brings modern banking tools and personal service to Cape Girardeau and Jackson - seMissourian](https://news.google.com/rss/articles/CBMi5wFBVV95cUxONWdoWmlsOG5aRTRZQzRiUDAyUEtTcms1MWRwSU5YZ3AtaWRvX0RJV1ZhYVRHMk0wS3lDOFdScFp1d0NzZC1jMWxjd0REaXB6RTBaQWh1ZzlERUZ0SE5JbzdKUGRGc0JwU0ZqU3BsNjROTm8wV041cHJET0dsczIxaXdzb0JJMS1xUkFTaDRRMkgyVm1KYVItNGdLdnNIWUdNWElheVBuUldkSlQyMkU5eUdLSW4wSlg2b1FZQlFMaEI4VTVlZmdIMkcwemViV1J6Vll6MEk2MGx6Y2pIWUlEbFpmUk85UEE?oc=5) · seMissourian
- 2026-02-25 [Sweeney appointed to Missouri Credit Union Commission - Christian County Headliner News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdUxIZzRBZjNhNW5tSHZpSU1md2tHdktvbVVZX29rZGNwZWsyZXlHd2RQdGpKUFBuUzRaWXpZZldJbHV3aDhuYWNtSE92ajZ2TmdrUHdTZ0lBbkhZUEV5RUd4Zi1FMlpSN0cyZ0xybHN5QlkzZFFPMEk1ZTBlTk1nN0dRQThDY1NFU0ZfQWtHUm9zLWtOXzdV?oc=5) · Christian County Headliner News
- 2025-09-02 [Cape Regional Credit Union to merge with Ozark Federal Credit Union - kbsi23.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVHlXeTJ3MEl4cHNzZUlGWmI3LVZ3ZlA5ZWhsN1ZZcURjdkFNNTNQeU5Bc0tFMDgxOGRuUUJzd3FQMWlxZW83MFNkSmJLLUZwNE9ybmtQdnFPMXpzTHZGdGFmaVFXWG53aWxxQWpmMEZaMWpiXzlOZ0NfMmZOR2JOek9UYWhRaXI1TXVHQ1hEb2J2WDJtdWRTYkJTaHk?oc=5) · kbsi23.com
- 2026-06-04 [Bluff's All American Weekend celebrates nation's 250th birthday on June 5-6 - Daily American Republic](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUE9PeXNmN0ZMZTBrS0VoYlNCMnRsQ1lrLTl1RVVsbXpnUmdQd09rRWNQNzlCMDIteEd5VEF1WmlUUFpfaXBxUDNCV2huYWNqRmU5MXRfUURobTlfU0tJVzNQeHprbkQ0VDZ4Z25SOTJyd3ZwdFVtVHpQclc2WlZ6eE1R?oc=5) · Daily American Republic
- 2025-10-27 [Deborah Lou Mills Obituary Oct 27, 2025 - Adams Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTFAzZ244dmN1M05XZjhRYXZYeGMwTnpIR096Q3hHSXFCeklQNDQ3UGU3N2JxVDZoYmhSLW5Ob0I5Z01MWjlzRGJpWTAxRzlVSTZhc1NoVjYwWDlneHJRR2cxVWhxQUN0NWpm?oc=5) · Adams Funeral Home and Crematory
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2026-06-24 [Arkansas Athletics, CommunityAmerica Credit Union launch multi-year partnership including Razorback Stadium naming rights - Arkansas Razorbacks](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPVG5wUkVRYUVPUVlNYTcwNUxWNjVTZ0FCTU82cWRPT0hILVdEclprZUU0OTg1RExERnRwWFJSSVVKanRxUGFkbGVEamJfMklNdmlqVXFUWC1TSUxMN0c5SmxvRC1PeGNGdzZ1TlFrdTdIM1JMSFhib2hkMTNuS3ZaS2RHRm42Y2lPWi1LZXlJVG9TUW4ya3MzcEhlWWV0M2hBclU4bVd0ZDJhRms0VkhYaGhvMzByVGxJRkNWcXdIRTJnSlg4VUhnRERGOTVscVZJNWNhN2hTOGRTTGtRUG5XWTlPNXpzWU0?oc=5) · Arkansas Razorbacks
- 2017-06-26 [Credit union sued after Ozark motorcycle dealer disappears - Springfield Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdGVaQ2Y0WVl2VW1ZUEdnWXZpRkwyS3hFVVdxcnA4TVpNeGVQNmMweE9xTENRcmRZZEVzaXNIMjU2Z2l6TnB6V1hDc0hfcHNKbkg2MldXSGU2ZXI1cnVsZENiMHpLVEo0VjlSbVdtZ2swRV9RdmVUSXZRdHNobzJBdkc0QzVyRzQyNFJqLUx5Zw?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7641 (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/25.json (key "7641", 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=7641
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide