# ST. MICHAELS
CRAIG, CO · NCUA charter 11340 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-michaels-11340

Who the members are: federal charter, associational, organized 1956. 183 members of 300 potential (61.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $979,728 |
| Members | 183 (-2.7% YoY) |
| Full-time staff | 0 |
| Net worth | $121,952 |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 0.93% (p67 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 43% (p29 of band) |
| Cash / assets | 37.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.47% (p2 of band) |
| Operating expense / assets | 0.71% (p1 of band) |
| Vehicles % of loans | 85% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,687 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $11,274 |
| Loans granted, annualized | $28,776 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-11-08 [St. Michael's Noah Moss breaks rushing record as Cardinals handle Pike County, 49-21 - Gulf Coast Media](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSnpwSTdBWFB4bVIxcVh3U1pCQ3VOa0lnZFFTV3JWX01mUU1uTEM3ajdkMTJUb2tlRm14Zl9zZHNJZVg4UE5XOERBQ0JObWdpU0VpSC1KQWRfWUtWMC1HOGtCS3BwanRNQlhzdHlPQmN6bEc2M2g5Z3hyQXJmS1ZhSTE4bTI3WkxudHZvOXprMkc0MXViOGlhZUVSLW83THptS3dhWE1KYUY0c1U1Yy1xcU90UWFJZHpHSDV0YzBzM1U?oc=5) · Gulf Coast Media
- 2026-05-27 [Best of Santa Fe 2026: Local Living - Santa Fe Reporter](https://news.google.com/rss/articles/CBMiigFBVV95cUxPalFEZU1PTm45dTlqMnNpV3J0aGhjQk04MC1XcXBzYXBkdjVpZ1dNUGdwVVRtNWcwMVRhNnB4dlNfTHpuaFBGT1Q0OVQ3Vnp1UVpQRk11ZG9ud0RCM3EwanNuTDdPNWlLa3FuR1lpSjFtakVYVWxjaDdDQ195bVRTRlVscnNBRTY2N1E?oc=5) · Santa Fe Reporter
- 2022-02-23 [St. Michael's High School (Santa Fe, NM) Basketball - MaxPreps](https://news.google.com/rss/articles/CBMieEFVX3lxTE1tNnhmTUtEQUVYUjhLZDhTSllhSFhEV2VkT2xnYTBOSWtlaG9vREM2SXpvUTN1OHZqMWFZNEVmakRhU1BFd2lBelRoWlBpRVVqRDFOUUNacEVrbDRjUG9DdmlnWVpfVGE5RHp3MEtJRkdkS0U5S0piOA?oc=5) · MaxPreps
- 2023-03-14 [What's brewing in Somerset: Boutique coffee shop opening second location - Fall River Herald News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQbGNva1NObzJ3UUJtQzhvRkNTellzbFR3dTVVb2s2bERpTVZ4Sjg0ZTRvTUdmekdFWE5Zd2djdWlxeWJzTncyTjJqZ3ZzeDF4REs5cXdKdHZmN2dXZDZLS21BOC1YSFRQT3VxeUtkaVVBWGFLaVJRMDNDeWh2aWtlNTB0NGNtOWRVRmZYOUFORHlkTm15VHFyVzBPUV9nd25Xek5KWW9rdHZkZzAzSzJIdEppZ0NxZHhNMUp0WkxCMFpJN3RrUXFNTUhPT29JTDBVWGpSdkNfOGQ3cVo5ZmZ4NkZ1NF9NUG5EQWdqbDJJcW9XNEE?oc=5) · Fall River Herald News
- 2014-12-14 [Richard "Rich" Wendt - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxPY1JlRnNodUN3MkdYRzlxN2t6VEZQc21RMDNNLS1hMzRjbnY3SmRsOGN6azFOYVNBdUFPbzVoUHJtRjZqT0dfTTg4b1RDUVYyaTdON0ktdEpHUmNmdDlLZ2txWGpjS21Hdm9jUEM2VkRvZzNNRmRsR2szQl8tVFFGM3lUUUlZSTlHY3JtUjFLX3I?oc=5) · Colorado Springs Gazette
- 2015-01-15 [Gary J. Kirchner - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5EbzNCTW01RzRONDBiX0pGR29fTlA0b2dyY2dkVmNUZ2tNZDlBSlgwRG85WVpzVjZMcklDSi1nUlU5V3lCY0R5ZXZtcFNBUWpNV2Y2ZVB6MWEtSU9vd3J3V2NtN2RqQQ?oc=5) · Daniel Funeral Home &amp; Cremation Service
- 2025-07-30 [Best of Santa Fe: Business - Santa Fe Reporter](https://news.google.com/rss/articles/CBMifkFVX3lxTFA1SDlXR3lZWFpudG1HYzBkSzBMN2lHV2F5SHBtMUNVUkR3QXp3a0FTcDhCcHJZbVpXM0hoLUpPNEVGSFVYdkdUSUljY1RSWlBmVEVVVmZOejhKc0U2Yzluc29iV1dtd1RnUWN4bXJWNGZpbzhObXI2Ui1Xa1VpUQ?oc=5) · Santa Fe Reporter
- 2023-02-10 [Ryan Hunt's St. Michael's High School Career Home - MaxPreps](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRzk5QWhRdnRkZ1dNSlN3bzdxeXVnQzYwLTdjeFRIanVKNnE3SVYyellidjNiN19KZ1ZuMF9KVnhkNHNnRTZuTFNfaThwcDVJbTlMVktmbTRIS3VQQmt3SWw5TndSN1lvRFBDYjdnaXpPME1QankyVnVEVXVnejJ6WVFfREo0N2N3VGpnY0JCTVZfVmZPUXNuSkk2WXQ4VW05dXc?oc=5) · MaxPreps

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11340 (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/12.json (key "11340", 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=11340
- 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