# SENTINEL
BOX ELDER, SD · NCUA charter 10257 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sentinel-10257

Who the members are: federal charter, community charter, organized 1955, low-income designated. 9,857 members of 197,733 potential (5.0% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $197.0M |
| Members | 9,857 (3.1% YoY) |
| Full-time staff | 59 |
| Net worth | $21.2M |
| Net worth ratio | 10.8% (p38 of band) |
| ROA (annualized) | 0.56% (p41 of band) |
| Total delinquency | 0.33% (p26 of band) |
| Net charge-offs (annualized) | 0.38% (p55 of band) |
| Loans / shares | 72% (p56 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.19% (p79 of band) |
| Operating expense / assets | 4.31% (p72 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 35% |
| Third-party paper % of net worth | 45% (p54 of band) |
| Vehicle delinquency | 1.44% (p84 of band) |
| Vehicle NCO | 1.55% (p86 of band) |
| Repossessed % of vehicle book | 0.14% (p83 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 292% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 27% |
| Average share balance | $7,855 |
| Participations bought / yr | $2.7M |
| Participations sold / yr | $3.1M |
| Participations outstanding | $5.1M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $26,914 |
| Loans granted, annualized | $61.9M |

## Participation posture (from the same filings)

Bought $2.7M and sold $3.1M in the latest annualized quarter; $5.1M outstanding purchased (24.1% of net worth), $5.8M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 1 | repo signal |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 3 | delinquency rising, repo signal, members leaving |  |
| 2017-06 | 2 |  | repo signal |
| 2017-09 | 2 | repo signal | delinquency rising |
| 2017-12 | 1 |  | repo signal |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 1 |  | repo signal |
| 2018-09 | 3 | repo signal, assets shrinking |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 2 | delinquency 2x band | members leaving |
| 2019-06 | 2 | delinquency rising | repo signal |
| 2019-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 3 | thin capital | delinquency 2x band |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | repo signal | net worth falling |
| 2021-09 | 2 | delinquency 2x band | thin capital, repo signal |
| 2021-12 | 2 | thin capital | margin squeeze |
| 2022-03 | 4 | net worth falling, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 1 |  | thin capital, net worth falling, delinquency rising |
| 2022-12 | 1 | members leaving | delinquency 2x band |
| 2023-03 | 1 | delinquency 2x band | members leaving |
| 2023-06 | 1 | assets shrinking | delinquency 2x band |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 1 | repo signal | delinquency rising, net worth falling |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 0 |  | repo signal |
| 2026-03 | 0 |  |  |

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

- 2026-06-17 [Motor Madness Set to Rev up the Community in Box Elder - KOTA Territory News](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaXMtRWQ4M2R5MUtkc1JCd0VFcW5CZWpyMFBnbDVQVEZTdHFKZXRHZTRBMkZRc3JaQktBVGhIek4tbEUycDMwUncwWjN4bW5rYUY1bUlDVGY1TUxvWGZicHFZLWFRTXNlNzBZNXVuR05XMl9lVTNUcVRjQmFPUm1BbXhONFhGZ9IBmgFBVV95cUxNbVQyWUhDZjNMODZpeXRBSlFTbWl6LVlOd2J1Y0hSMDZWcHZfcDJZU1UtZmR3aERkSUczdEVfX05xenpMVllya1FXTVc5N0d6MlRwNFBGZ212b1VqdzlneF9jUmhfSlcxZ3A1YkZUeHBXaGljc0ZNR1loakFaTFp5RV9hTW9tYTdLTmVWTlFiaDYwaTBId2w3NE9R?oc=5) · KOTA Territory News
- 2026-03-22 [Nanos faces Pima Supes after alleged misstatements; BOS looks to dump Chávez - Tucson Sentinel](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQdFd2Tlh5UU5nbHdQRHoxYjJBSDdIQzZ0anFPSmtfYWZQWUNmNHZBWVJYNnlpNVZDNkM4dW0yM0pjcG5CT1JuNExLRnlha25XR1N6UTc4WTNxTGtzeEtqWGh0NHA4bTNjdmRCdzR3VVQtX1o5RXNWeFdfUTVySHlQekRibkhaeDdFZ2Q0MGs2UmZsNEF1SWhQa0hzY21iRXF1ZEROY1czV25DU3pLZUpaS010cTRfWmZzQUNxQmZRc3VINW9RZ0xxemlITTdoR3lFNkV2Y2loVG05QQ?oc=5) · Tucson Sentinel
- 2025-11-21 [Genesis Group, First Source honor educators in Whitesboro - Rome Sentinel](https://news.google.com/rss/articles/CBMizwFBVV95cUxPRVJFMkNJSTVjMWpYX2RFREI5cm9kLWlya1dGZUFwbUFWTElLZ3hTTWk4ZjhpZU1ZSW5rYmlsWnQ0S0lBQ3hTYWU4Z2pDcEFwY1NZYmU0Qk4xRVc4ZmNHMmQ1Qy1wY0VobVRMaWR1UEgxZ09VeHpEeHNEWUNYUWpJSFJZandCd1paOV9jVGJGUXd6SGc3MDZET1QzUHRqMVRoNGJXTExRZG0zQ1hVNWxHTmNhYU9ucU5jbWtldFgxek52M0VWNVNZb2pfUElzNXM?oc=5) · Rome Sentinel
- 2026-01-18 [Rapid City job service to host ‘Hire the Hills’ hiring event Jan. 21 - KOTA Territory News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSUJlSjNqdjJxU2FrN2lFaFdjZ2w3LWlDbXhjaDJ6Vmp6N05NVnFnckt4eWRsS2dNV0U0UjM3R0hEdk83QWJZOUtGVmRTYVFrelN4OWxzcnJQMklBQlU2aVVtNGpyZU83MERiUzYtSWFZZjNhODUtbVlkb3BYd0cyWXRzU3d5RHk0SVJfVTdSMEhMbFVzMHE3cNIBrAFBVV95cUxOVUFTR2c1TXQxMklSRVZoSXVqUVAwZXZRbFhHMHRwYjcyVlAwdTRrLXFvQ2VlMGVwY0VnYVNuMWJfT1pxSVdNaTdRaHEzN2pfU2tnQi01b0xndXJFaHpyNlF3YW5VeVk0S1ZTZVlwb3VrRE9seFVEUzhVYktrZHFqZ3B4ODZBZU04bmFPQlhQLUJyRFBTLWpOY3VtcFhzTUlJeHpGSThDaFJpdkJI?oc=5) · KOTA Territory News
- 2024-09-15 [Two Credit Unions Introduce New Branding - cutoday.info](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdlhxY1BTZWdkOHJnVHV3b3hzWjVfMTduNkRHUEZiS00xZFczRExhdDJDaG5iYmVRaWtzbGdnQ0VJbU9HWld3eVNUUlpIYklEbk13d0Q5S2lrQk1TSWh4czMtWHRYMHBGN3NMNk1Pa1c1SEZEcXJLSE9zcGsyaXZEcWZDUQ?oc=5) · cutoday.info
- 2024-06-09 [Name Dropping | Bay Federal Credit Union promotes two - Santa Cruz Sentinel](https://news.google.com/rss/articles/CBMingFBVV95cUxNMlFIT29TREpuZ0o1Nm1vSHNaS2tPcVY5ZFl3QVBhd0xuanF1cFF5YkVBYTlLV0hHNzVYcGI0ZmU3N2dmSi0yQkhWT284ZVhmWnI0QlpJUzNCTTQ2TVZrUHliVVVoZk1SRWtnZnMta3diUzZHRjhBVXpaT0lxZ1k2b1RQN0tZbDdtc0xjQ015blBoQ3NZYWRMVWNSYXhWQQ?oc=5) · Santa Cruz Sentinel
- 2020-08-26 [Sentinel FCU selects former bank exec to replace retiring CEO - American Banker](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdDBoTFdISDJxTlJMUzZDbXFYWmpqSFRuelVhbVVzUDZaQW9jcm1zTHRwVVBpc2loUVdIX0ItRmVoVUtiOGFvenVFWnp5Z1NwZXliUUl3STlyVXl4XzZNLXFiMG40blRnSmxIZ0U0ZUJIOE5zVkw2TU1TbHdZYzNyVmFuVmlWYUVqcV9ad0pjV01lR2NEQ3YySE9xZm5PVi11QkVQR1gzd0lsY3VDcWs0ck9PbTVBV3JIQWVPbHdCbXdPU1RhTUE?oc=5) · American Banker
- 2022-03-10 [Kinecta Federal Credit Union Empowers African American Male Students with its Fourth Annual Defying the Odds Black History Month Event - Los Angeles Sentinel](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOekNjc2xVcDFjYzdWTUFtWVhOMmFsWlE1Ulc0bExpY0JrSmlzdG5YSEVRTWoxYjRxamtwdUpyZFhHRnNwczFEcmlkemMzcDh4aVpENVlOeTFoZ0lOeTBfRUJFNXZMYUdKNWhBT2NDc0JWWWJodU0yNHc0NW5KMWxHYmQxLWh2SlBKbjN4eXFXUkxoWlQ0WW4tT0Qwb2FoRmVZUUp4bmdkVWw0Nk5uX1dnc3YzVmVZOVRtcExmRmJzSVdGdFZIekR4cHBhSkloYWxpeXJFRVZRQkExZEpGYjBsRHZuVWFiMmd2VjhVcV9wYnNobDhu?oc=5) · Los Angeles Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10257 (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/17.json (key "10257", 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=10257
- 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