# BOYS TOWN
Boys Town, NE · NCUA charter 11617 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/boys-town-11617

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 842 members of 3,500 potential (24.1% of the field); checking penetration 7% (share draft accounts per 100 members); loans per 100 members 13.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.4M |
| Members | 842 (-24.1% YoY) |
| Full-time staff | 2 |
| Net worth | $209,213 |
| Net worth ratio | 8.6% (p19 of band) |
| ROA (annualized) | -2.22% (p3 of band) |
| Total delinquency | 3.66% (p91 of band) |
| Net charge-offs (annualized) | 0.76% (p89 of band) |
| Loans / shares | 23% (p12 of band) |
| Cash / assets | 45.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p69 of band) |
| Operating expense / assets | 5.94% (p95 of band) |
| Vehicles % of loans | 49% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 51% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,431 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 13% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $4,642 |
| Loans granted, annualized | $74,015 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | members leaving | delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 3 | delinquency rising, assets shrinking, members leaving | thin capital |
| 2020-03 | 4 | delinquency 2x band |  |
| 2020-06 | 6 | thin capital, net worth falling, losing money, loan book shrinking | assets shrinking, delinquency 2x band |
| 2020-09 | 6 | delinquency 2x band | members leaving |
| 2020-12 | 6 | margin squeeze, members leaving | delinquency rising, net worth falling |
| 2021-03 | 7 | charge-offs p90 |  |
| 2021-06 | 9 | capital below 7%, net worth falling | charge-offs p90 |
| 2021-09 | 9 | expense trap, delinquency rising, assets shrinking | capital below 7%, net worth falling |
| 2021-12 | 9 |  |  |

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

- 2025-11-12 [Boys Town Announces $300 Million Research Hospital Expansion - growomaha.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYnVWNEYxbFJyNUVXbDlOQlFMQlN6NUhidV9QbTFJVTh2SWo4WTNiSDhobE9XeHZ5YTNkVW9OTXpmMUlWMEJSSXAxRTNHcVY2N3lLM08tWFhDc08wYjRNelNEdndRcEU3bUdpOWxBVWtGX2NyOS1QX2pqUGp2RDVnRGJUNFZQbGY1S1E?oc=5) · growomaha.com
- 2024-01-15 [The Franklin Scandal: More Relevant Today Than Ever - The Beacon Tribune](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQY1VWZ21NLXJuZy1sck01RjZPdHJGVUx4M0FjNV9qeEZkRXVpeGdzakFuTlNpVFZXb3JvZjIwZVhXVFNBWFlfbkc1b0taZlBTc3JfX3hxb0xxSXFvUWJIclBEMm5MZGE4QnJpT2JheUxtTl9QeEJNYXVmT3YtUmIwVWRqSXo0blctU1FXY1NTMW9Rd2tXZ09pRkRqczdjMnVVN1JGdXp3aUw2ZVZ5Z3NpR0RDUVZzdDBCVHc2RGpveUlpZ3FlNXkyZGpKUVlEVGluN3ZpU2dn?oc=5) · The Beacon Tribune
- 2023-02-09 [Nebraska Science Festival returns in April - University of Nebraska Medical Center](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQ0E5WjN3N0NlMFZVbk1sbEZIcmdFV2ZQSU0wcDcyb0h6WTJUdlExMGp6ZHhxVFFadHZLaVhGU2p5UlkxM3hVM0FLUlpad1ZaeEtYSU05N2VvV1o2eEREOTJPSl9sdjF3UjVxakZtdmhveEMzRjg2NmlOVmVEcGdyMURpRW96VmdNUkN3NHhfUQ?oc=5) · University of Nebraska Medical Center
- 2020-09-05 [The Child Sex-Trafficking Scandal America Forgot - The American Conservative](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRU1QTm9xSHBzYmpBTER3M1lTN3FTczlaNlNwTGJ0Ui1uaE5yYk5XakdhM3pLREdXUjkxTmdocjlVblRfbjZPcUR1ZzQtOGc2LWdjUFo1cHhOUUVqWFVydnJkZ3NSUGlkT09JNFRNMnVnR1drWldtbHl3dzRuNEQ5Nl96MGJSTTNxLTB2Y3NObGgxclE?oc=5) · The American Conservative
- 2023-02-03 [Jeopardy! host Ken Jennings to headline 2023 Nebraska Science Festival - 1011now.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTFp2OFZocXoyQ29YOU1yQk9RTUZUTVYwZ3c3aDRVZVFiQ055eHdoODA1SlJCOTRpQ2w0VHdwd180M29qRHdrTll6MVZrQVlQZmlWSW5lSmNzZVdibExzSnlfdkdVSHM2ai1XSzZQNjVDaDZrX05zOWVZSXBqU2dlajhucXZoa1FqX0ppeXNZdlY2aktRYm1sa0JIU1k0M2ZxczJyMNIBuAFBVV95cUxNUThGVXBTRmdZTndhaVIxLW5jbUxhVFBaTGk3SXAyQV94UVA1U2JRTElFNUhYX1hrdlI5TmJDRGdETk1qM2dfNTRkUmU0WWg4N0xnWEtoYktORFpHUE93dTEyTlRYT3lWSS16MkZ2TldpcEphdGlHeEgwVXJ6XzN6ZngwRzgxc09OVUxIYlFkUFNZOFJXSjBsRXFabmx5UUlaYmtHYlNqdnRrbnZabGZ3NFMzazM0ZDBh?oc=5) · 1011now.com
- 2025-03-27 [Nebraska Science Festival runs throughout April - North Platte Post](https://news.google.com/rss/articles/CBMiekFVX3lxTFBtSVJubXFNUFJBVjhzTHVtN2NKcGpPMlNDWkhwNmo1Wl9FOFJkVFlmOUxPa0JLdjZ0RjJoekhjcEV1Zm9zQkFaYWVkQmo4ejVWanRydnpULXpsT3A0TmRiRWlWY2RUcU1yOWppc0JWdzJZQzlwZEJZT1B3?oc=5) · North Platte Post
- 1990-07-29 [Omaha Grand Jury Sees Hoax in Lurid Tales (Published 1990) - The New York Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPYVItVGY3cGVybDFTWjRZM0tzNjBsUlRDZWpBU2xuS25zYkx6NDdlRTJESENWblhPWURSNHBpOUprNXdrV0JqOS14V0dyaC16V1dNZmlhaVVoS1RpbWY3Vm5lWndmMUtadmo5b0gwbVZHOFl6eDJWUjJJZUcxeTRibFc3a0tfZmkwSGJTSg?oc=5) · The New York Times
- 2025-08-19 [Arizona Developer Plans to Build Upscale Condos in West Omaha - growomaha.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdElyZ3F5TkVmUnpaR0VjamM4a25iRG56ZVVmQXZUVlIyQW5ocmhaOXNDaXlZNEtsUzFQd2E5MG5yZk5xM2ZUemFQSjBWQk9kWWVIWDFBbFBzdHhFazNoZkF4TTVfUjQyV0VTRUd0Ykl2amRxZHMxZFNvYzNwV0RqdExIa2swZjFtX0FHSQ?oc=5) · growomaha.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11617 (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/33.json (key "11617", 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=11617
- 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