# HIGH PLAINS
Clovis, NM · NCUA charter 16559 · 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/high-plains-16559

Who the members are: federal charter, community charter, organized 1964, low-income designated. 6,224 members of 15,000 potential (41.5% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.2M |
| Members | 6,224 (– YoY) |
| Full-time staff | 21 |
| Net worth | $3.2M |
| Net worth ratio | 7.9% (p9 of band) |
| ROA (annualized) | -0.58% (p11 of band) |
| Total delinquency | 0.19% (p22 of band) |
| Net charge-offs (annualized) | 0.18% (p46 of band) |
| Loans / shares | 100% (p97 of band) |
| Cash / assets | 2.5% |
| Borrowings / assets | 3.64% |
| Net interest margin | 1.85% (p9 of band) |
| Operating expense / assets | 4.72% (p81 of band) |
| Vehicles % of loans | 94% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 780% (p100 of band) |
| Vehicle delinquency | 0.20% (p37 of band) |
| Vehicle NCO | 0.25% (p65 of band) |
| Repossessed % of vehicle book | 0.28% (p94 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 | 61% |
| Certificates % of member funds | 14% |
| Average share balance | $3,458 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $19,309 |
| Loans granted, annualized | $29.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 6 | net worth falling, loans>95% of shares |  |

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

- 2026-09-08 [Gerry Louise Shaw Obituary (2026) - Clovis, NM - Muffley Funeral Home Inc. - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTFA1NDNxamxIaVl6RjQxM2FtZGNTUDU3SnlwYkJUWGJDdm8zLVZNYldCQ253TE9zQWxDZTEyMFoyZU5NNC1nMUI2Sm01MHQyRi13NnhVYUJSY2tndmtPb1dub3ZlOVUxd1NQOXdacUVQeW4xcWJKaXlJckJQcWhHUQ?oc=5) · Legacy obituary
- 2014-09-04 [In Loving Memory of Nancy Ann Woodhouse Floyd - KRTN](https://news.google.com/rss/articles/CBMihgFBVV95cUxQOFdsbjRFZXQ0Q1pCbng1SkdKY3lIV1oxZXJIa3lkTGxSS0ZqeDZacm5JQXg0Y0FPcHZkZUlJZVV6UlNrWmxfakdWWDI4ZDJUOVJxV3JCWWM1T19mMzMxR0NFSVpLSm5ERmtoWVZyYjlyWnphR184cG0zZ2x1TE13eWtfYXpxdw?oc=5) · KRTN

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16559 (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/47.json (key "16559", 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=16559
- 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