# CHADRON
CHADRON, NE · NCUA charter 13966 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chadron-13966

Who the members are: federal charter, community charter, organized 1960, low-income designated. 2,229 members of 16,000 potential (13.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 47.

**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 | $20.3M |
| Members | 2,229 (-0.1% YoY) |
| Full-time staff | 7 |
| Net worth | $2.6M |
| Net worth ratio | 12.8% (p36 of band) |
| ROA (annualized) | -2.60% (p5 of band) |
| Total delinquency | 1.04% (p63 of band) |
| Net charge-offs (annualized) | 0.20% (p64 of band) |
| Loans / shares | 82% (p83 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.04% (p87 of band) |
| Operating expense / assets | 4.94% (p78 of band) |
| Vehicles % of loans | 53% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.19% (p40 of band) |
| Vehicle NCO | 1.28% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 24% |
| Average share balance | $4,410 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $13,843 |
| Loans granted, annualized | $5.7M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, auto monoline |  |
| 2016-06 | 0 |  | repo signal, auto monoline |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | margin squeeze | net worth falling |
| 2017-09 | 0 |  | margin squeeze |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2020-03 | 1 | margin squeeze |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | delinquency 2x band |
| 2021-06 | 2 | delinquency 2x band, delinquency rising | margin squeeze, net worth falling |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 2 | delinquency rising | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 1 | delinquency 2x band |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | loans>95% of shares | delinquency 2x band |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | net worth falling, delinquency 2x band | loans>95% of shares |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 1 | losing money |  |

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

- 2025-11-18 [Arrest Made in 2023 Chadron Bank Robbery - chadronradio.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4S0tXb1lweG5tRDBNZFJtZGM5VXNrXzk2RGFpTm9DZF9TV3FDVE1CdjZxOFh3ZUV2amxVQ1o3QlNENGR0NUd6bzV4WVVoYWRFMTBHSFlrYy1pOTIzMG5aX2VfbDE1b2NtQ3VyZ3BXX0t1UjBZ?oc=5) · chadronradio.com
- 2025-11-19 [Texas man arrested in 2023 Chadron bank robbery - Metro News Channel Nebraska](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVTZXZVhKdl9RMlBacUN4b2YwVFJXTUNTbzN0SjM3TUZMcktJZWpiSEJzWFJHWm4tb3lpVDdXSXRBeUNwVlpWVUVPdmNDREpVQnIwUHV3VU9yRWI5NlJVRFhQSkFWUmpfdHFPemNJeWQyZ1ZuYW1qaFBlVW5lS2NPVmxNU3dQUGx2ZUoybktFRmxyTkloTVVWdGp6UUd3cnFkb0E?oc=5) · Metro News Channel Nebraska
- 2023-05-13 [Chadron Bank Robber Still at Large - Rural Radio Network](https://news.google.com/rss/articles/CBMieEFVX3lxTFA4VnVfOGxmX0JHR2FJMFl6aGhmZnVDYWotUFJtUDY4bWFKcjlfMDdMckR4RmU0SDRYN05BQnlIb3VnSENzMkxTcndGY21pamRKWXJLWXZQbTIxMkdpVEpRbkJSaEphQ19LYzNEM2NlUzktbFowMmhKUQ?oc=5) · Rural Radio Network
- 2026-06-09 [2023 Chadron Bank Robber Faces Justice in Tuesday Sentencing - chadronradio.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQY2VtazhZQkJramxOejdOTndTLTNnRk1ybHlaYzFYbWt6VG5IVzQ4MzBONUdxc3M5cFZ2QTdnOG5TeUMya1ltRkc4eXNHQkw0M0E0VmlzUXg2UHpsdFZaZm14YUNSZk9ydXRtTVBvNDVwZ2RJbG9WYzBNMmdWcmdlcFNEYnA3WVpycW5aTlplWQ?oc=5) · chadronradio.com
- 2025-11-19 [Texas man arrested in 2023 Chadron bank robbery - Panhandle News Channel Nebraska](https://news.google.com/rss/articles/CBMipwFBVV95cUxPemtfZXdXYU5iVGNVUlZaYTUwd2JzUmlSajVTZW9mZ0otLTc5ZUdTaXh6NTBFLVNSYVZjd0JNMlpqdktYSEN1NHNtdUgwZlFIeW4yQzUwRUdpTmpWazhvRXdzak00MGx6SEZLZ1diNjR3VjEtX3N5Z0xWVHVzNnRxOEExT0xhejRCbFoxVElNZ2NxZVA5Q0g4S2hhQ2FKdEc5c0tWcTVRcw?oc=5) · Panhandle News Channel Nebraska
- 2024-01-06 [Thomas Patrick Detwiler Obituary (2024) - Chadron, NE - Chamberlain Chapel - Chadron - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN2x0Skw0TVpVeUlVbkFhTi05N25SSEJFOXRlVndOQmZIX183VENrLVRtSkJCcEtIX09wQi1zdWU1Wm5MMHFyNTBBVXVlY0EzN1B4cWdMa1Y1amdrN3hlMTkwR3lZVEtKTEV1T2hfcjFEOGo4aHBPbzFYM081bEJsRHZ4Tl8?oc=5) · Legacy obituary
- 2026-06-29 [KNEB-AM 960 AM – 100.3 FM - Chadron Bank Robber Sentenced to 25-35 Years - Rural Radio Network](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUVI3WG9adGx6emhfbW90bklXSGxoVzkwMmJvbndndU4wLTEyUi1GZkNyS2M0aXNQazJmYVNEdTVIcEp4dk0yVzJuVjlxblkxWFBLWHNLUTFWbG1XNlJDMWJ0bWpYTEZRSWZ4Zm52RThsMWdycGNpcUd5a2JsWi1OT0drc0txeFEx?oc=5) · Rural Radio Network
- 2026-04-16 [Update on 2023 Bank Robbery in Chadron – KCSR / KBPY - chadronradio.com](https://news.google.com/rss/articles/CBMickFVX3lxTE5SV3RCdG54RHU5dGt1d0Fia0dsWGpkbVZaZTZCRVM3X1VCRHUzeVN3d2Q1XzhlMmNYOGFINHRkR1V4Y0FiaTBqMWl0QTVyemtwVlNEM1ZaODBxRC1STEdqNmNFRXczVVd2NkxWSmhYWk90QQ?oc=5) · chadronradio.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13966 (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/14.json (key "13966", 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=13966
- 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