# ARKANSAS VALLEY
Las Animas, CO · NCUA charter 1479 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arkansas-valley-1479

Who the members are: federal charter, community charter, organized 1936, low-income designated. 2,854 members of 31,153 potential (9.2% of the field); checking penetration 18% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.9M |
| Members | 2,854 (– YoY) |
| Full-time staff | 5 |
| Net worth | $983,173 |
| Net worth ratio | 8.3% (p13 of band) |
| ROA (annualized) | -2.29% (p3 of band) |
| Total delinquency | 1.20% (p60 of band) |
| Net charge-offs (annualized) | 1.04% (p85 of band) |
| Loans / shares | 41% (p26 of band) |
| Cash / assets | 27.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.39% (p26 of band) |
| Operating expense / assets | 5.40% (p89 of band) |
| Vehicles % of loans | 90% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 30% (p94 of band) |
| Vehicle delinquency | 1.31% (p69 of band) |
| Vehicle NCO | 1.17% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 10% |
| Average share balance | $2,852 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $6,013 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | thin capital, net worth falling |  |

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

- 2026-05-17 [Colorado’s Arkansas Valley water confronts contamination, climate change and political drama - The Prowers Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNdWdmYTFCb0EyTFhibFEtM1l6ZVZ1bi14cTJocEpSSWVQalZuV1V0bTdaWXRwaG1BeDJsNXctWHVWTjl6RlJzc1ZTc1I3ZnIzcm1GM05aWEFDcU1yeUJmUXp0SkJCVG9UU01USkZqSURJRnlKUFlCQVZWS0tTV3RFVnU0c2dOcXdvazZoc2ZFX3JLWVA0Y2c2RVRaZURPLUFSSnBBXzk4aExnOHJpbmwzWWRvWnlYS0tCbmJIa2pETkFQWnZHcU1iYQ?oc=5) · The Prowers Journal
- 2025-10-22 [Obituary: Phyllis Rae Berkenkotter - The Mountain Mail](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQSkhheFVmM1dCTDNESEhMbWhvdS1wWkg0Q2xxSWQySTNaMndDZFM5UWJJN2cxLXVaT3F1TXBtY212dGtsdkkyWE41MlZhOGZPN2psUklhaGRNa3QxNzJTWC1YckpiVmloSjltWGJub01NWjRCajl3QTJobFhvcmgtZ0g5STNfbVdHN0lfdzROdUtNTlF4ZUgtVnRwamdJVGxGVk5USXk3ai1JbFMtTmpLMUVRSXdZeTY5bTBJRVpWeHpRdw?oc=5) · The Mountain Mail
- 2023-06-12 [Salida FIBArk 75-Year Event Celebration This Week - Ark Valley Voice](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeDNBbUdGMGRUcGhCYU1KbjlWcDZwRE1FVG9aSUo4aFR0MHoyNzRGdUd6R2ZCLUd4UDlZRDhmLXNkRE9hZ2w2SUpFWWhUcHk5ZEZvaXdTYVQ5ZnY2WklWNU1TQzhVYWRtUm0tczhKekl4S3JpRXhHN2V1OGRsd1RsRzVJMA?oc=5) · Ark Valley Voice
- 2016-02-03 [11th annual Run With the Knights set Feb. 27 - Southwest Times Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUDBOX0xhcnhIaTBTN1dGTWZ2SnJaSnBJMEUtd0YxRkRlekQxZmU5RERPcXkyeWpUNjdpejlkRUxGNHNZcDJ1VHFJVzZyZjBPcFdLcXRaRlRpQllLRkt4LWNKZTVEY1lxUXhmY3kyQWFXaXJIbHJsalZhdjZyY2dUM0ktbGpvaDBzT3JBS3NLWmJpVWxZ?oc=5) · Southwest Times Record
- 2012-04-15 [People - Pueblo Chieftain](https://news.google.com/rss/articles/CBMiekFVX3lxTFBTY0h3V1J3ZERtcm9XOGtGZFdVQVUyakNKaVZiUXotUnhKN0xJSW5SdWtKb2FWTVJpZVFwZmtvMmVHazY0S0IwXy1WX01pdGdMOFo2ejQ5UkkxTFJQMjRndFlobjZzV19KU1pod2RaRUpCenVlbkFUbXVn?oc=5) · Pueblo Chieftain
- 2025-01-22 [Local farmer hopes to bring new crop to the Arkansas Valley - The Prowers Journal](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdDY5cnZReFlfODVYRnVIQk1RMU5IcG13amdSbWhzbjltM0FMclAxdUNLcHpqM21fYzVJa0h0V1FtV0k5SktvdzRkdWRRaDVzdFBic1NsbHNOc1AwWHZzUDZXN0xNbFZuWE5BSjN1RjJGYk9fUktSdl9qU3hOcTMyRjJaM1I2Nks1OGFSaFh0OGljNGYza3pyWGtnM2lyZjA?oc=5) · The Prowers Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1479 (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/7.json (key "1479", 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=1479
- 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