# PLAINS
Plainview, TX · NCUA charter 12274 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/plains-12274

Who the members are: federal charter, multiple common bond, organized 1958. 423 members of 25,000 potential (1.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.9M |
| Members | 423 (-7.2% YoY) |
| Full-time staff | 2 |
| Net worth | $581,143 |
| Net worth ratio | 14.8% (p50 of band) |
| ROA (annualized) | 0.08% (p27 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 79% (p81 of band) |
| Cash / assets | 30.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.15% (p61 of band) |
| Operating expense / assets | 4.16% (p63 of band) |
| Vehicles % of loans | 90% (p96 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 | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 46% |
| Average share balance | $5,507 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $14,928 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 4 | repo signal |  |
| 2016-12 | 2 |  | delinquency 2x band, repo signal |
| 2017-03 | 5 | net worth falling, repo signal, assets shrinking |  |
| 2017-06 | 5 | members leaving | repo signal |
| 2017-09 | 4 |  | assets shrinking |
| 2017-12 | 4 | delinquency rising | net worth falling |
| 2018-03 | 5 | repo signal |  |
| 2018-06 | 5 | assets shrinking | delinquency rising |
| 2018-09 | 4 |  | repo signal |
| 2018-12 | 3 |  | members leaving |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | members leaving | losing money |
| 2019-09 | 5 | delinquency 2x band, delinquency rising, loans>95% of shares | assets shrinking |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | losing money, assets shrinking | delinquency 2x band, delinquency rising |
| 2020-06 | 3 |  | losing money, assets shrinking |
| 2020-09 | 1 |  | members leaving, loans>95% of shares |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 4 | net worth falling, delinquency 2x band, delinquency rising | members leaving |
| 2021-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 4 | delinquency 2x band, delinquency rising, members leaving | net worth falling |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 4 | assets shrinking |  |
| 2022-06 | 6 | delinquency rising, loan book shrinking |  |
| 2022-09 | 5 |  | delinquency rising |
| 2022-12 | 4 |  | delinquency 2x band |
| 2023-03 | 3 | losing money | assets shrinking, loan book shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | delinquency rising, loans>95% of shares |  |
| 2024-03 | 4 | assets shrinking | delinquency rising, loans>95% of shares |
| 2024-06 | 4 | net worth falling | assets shrinking |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | loans>95% of shares |  |
| 2025-06 | 4 | net worth falling, delinquency rising | members leaving, loans>95% of shares |
| 2025-09 | 5 | members leaving |  |
| 2025-12 | 4 |  | net worth falling |
| 2026-03 | 2 |  | losing money, delinquency rising |

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

- 2026-08-04 [SkyRite Sign Co. wins awards for Amarillo credit union sign - Amarillo Globe-News](https://news.google.com/rss/articles/CBMizgFBVV95cUxQX00yWGtMcVhRZWU0QjV5R2NWMGVlU2Mxd0djU3p6SXk2YWNSQnh0dU1RZ2t0cVlBTkZhN2dzVm0yWFpia2tsOGZkT0J2S0lGdUhXWTZjOHU2Zy10QUJSVXd6YTBFR0IxS3V1Q2lCTFlzdUt5TEhxRUxoWjVhanNNRDhJaGtfZnpsMEVzUHJQaHdHSkVOZTZXX0trV0g0TUdIRWxobWpMQVJaTmx4N3dsY2JEaWp2RWZZQ0EtNmMxSG93bmhCcXBtdUY2RTdnZw?oc=5) · Amarillo Globe-News
- 2026-07-17 [Credit Union of America donates $50,000 to Second Light through challenge grant - kake.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPTWdSTjRONTdGTjRPUkNVN3JRN1M1MjZpLTFhVGtRQVVJc2U0ZnBSZTE4M2s3RnNzLUtMTEpkNTdvYjZJTkhpcVQ2Vkc2VmViRjBBZEIwbHhWRkREMFV3OVBpUHFibFhpeXl4NkJwM1hOSFZoMEtuemFUbGE5WG15T2hXeUUyWmtSVURJdUZELTlDaDc5Xy02VFBoc21VWjBobDgxQ2drdzgxWFVtcktjSGtfY2s5T1J2c2JKYkdaRDdaYWQxaDUwZjRqbkhONzZBYk9FUWxMeFY1dUFOX3lpZEsxZExrTjg3dGc?oc=5) · kake.com
- 2026-05-05 [Janet Sue "Floydada" Milam Obituary (2026) - Plainview, TX - Moore-Rose Funeral Home of Floydada - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5YWkttRnFBazhvLUt1YVNEQ1UzWUg5amhTNkN5X2xkSWhyWW9rM3RyLTlJRmxBcDN4Y25jRkRpUGd4emtlM21KWU1HUWpTaXZCNlI3U3dJcGZpT1F6dU5zemhSbHd1dlhLMGdBSGhhelhfSERwRlFVOHBsRVUydjQ?oc=5) · legacy.com
- 2025-12-31 [Lubbock-based ALLIANCE Credit Union merges with San Antonio UTCU - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVjNsQ0x6cUtXYUpzWkNiZXF3Uk84U1FUNC1pMW9mbTVDek0xc0VsWFNkY2lpMU1jSFdNNnozc0x1RVZNM0hYYXVkTTVRYnpNQXIxa3Y5djE2YTRYbldfNXV6MmlLdVRORTFCYVR6ZmZyU1hxaVBZbmdJT2ZzeWpodkVjWWg0Z0hNaXdNOW9lVW9hcG5KMF9xRHN3cUZ4SkFic0pIWEFvUkszMnZZNlgxeVNUMFZLYlhHQkIyZGNqMTRQQTBDSks1QlNOdXdrZTlUSnF4VlZXOHUyWlhOaHc?oc=5) · Lubbock Avalanche-Journal
- 2025-11-10 [Alliance Credit Union to host groundbreaking ceremony for new Amarillo branch - MyHighPlains.com](https://news.google.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?oc=5) · MyHighPlains.com
- 2019-08-13 [Area credit unions working to make miracles happen for children in the hospital - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12274 (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/50.json (key "12274", 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=12274
- 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