# CAPROCK
LAMESA, TX · NCUA charter 16813 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/caprock-16813

Who the members are: federal charter, community charter, organized 1965, low-income designated, minority depository institution. 4,325 members of 413,857 potential (1.1% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 44.

**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 | $41.0M |
| Members | 4,325 (38.0% YoY) |
| Full-time staff | 12 |
| Net worth | $4.7M |
| Net worth ratio | 11.4% (p26 of band) |
| ROA (annualized) | 0.03% (p25 of band) |
| Total delinquency | 1.22% (p66 of band) |
| Net charge-offs (annualized) | 0.24% (p66 of band) |
| Loans / shares | 80% (p82 of band) |
| Cash / assets | 18.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.24% (p65 of band) |
| Operating expense / assets | 5.51% (p85 of band) |
| Vehicles % of loans | 73% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 8% (p89 of band) |
| Vehicle delinquency | 1.31% (p70 of band) |
| Vehicle NCO | 0.36% (p78 of band) |
| Repossessed % of vehicle book | 0.17% (p94 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 28% |
| Average share balance | $6,262 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $15,233 |
| Loans granted, annualized | $11.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (24.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-07-08 [Henrietta Olga "Olga" Salinas Obituary (2026) - Big Spring, TX - Myers & Smith Funeral Home & Chapel - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQWk96UGppM1pXbDVZeGMwNTh5WVZaMU9YTktWT082ZFlNN2R5MlM2cmRlUmpDZ25kbVJfdnQyNnQ4YXl6aExxVDNpV05BTXp3T29lVUJQVWFyMWpMV0hieGgzWDRfY3ZaMDE1LVNoLTFHd09wMklrQXlHTUVwRVJONkxYSWhJNXc?oc=5) · legacy.com
- 2024-01-26 [Obituary information for Donald E. Bryant - branonfuneralhome.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BeUlXaTJqcmpNWmNETENKdlFpeXpuVDJXaGtqQmdlaUNQa0VoRnhnelJ6WnRaVWE4RDM0Um96Um1sOTN3aWNodUpfb0hyaWlOV3lFem9QbktEd21YVjlLcVlicGpiQ3N3UXNQcVUxeDZoUGtyRGRTckJRd0I0aXM?oc=5) · branonfuneralhome.com
- 2024-12-31 [Banks for Immigrants and US Non-Citizens: A Comprehensive Guide - businessinsider.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN3RBb1NXSm5seGNfVk4wZlNKRXJad3IwQ25GTUVRdjhlSkw5THZmQ1VQUFM0TzJ0WkFWLVBqcEZLcUI3OXR2VjczeFhfaXVHNEI3c0xPVmgzb1hnMTcwaVV5dVRUenF6cS1NZWZUS2dvQ1VFZDM4RFF5NGhkU3YzSWtOYnlRWWVhOHlpUEtPRUN4aVFXTWVobmNyeDZ3SlVRRm5JTW1rcXNna0E?oc=5) · businessinsider.com
- 2024-03-03 [Caprock Chronicles: A racially charged trial in Lubbock part one: The bootlegger and the sheriff - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPTkpEa2lFcDVPWjJNS3FJb0pQRW1TaHdiU0Vjc0FuU3ZSakQyNklnTHFLNUw4dGRVYlpKTmswQU1VT1BLTUtDblYtUkIyNGV3Q2JDT2VFUjIwNk5vbzY3UkNYcWVQQU9zQmFTR05mTDd5TDRSSzdFUnI3ZDJvY3FGX0lBeWUyeHBMSFZFSk9UcXVOR1FGOHI1b0x6Um5ZTHZmVFN4b1R2RHRHRTZZaF9hX2phek9pMzQzWmZrUms5UFVfZ29MYjRmTExYQjdXVVlka1dSWVRQd0xxci11QWxWck1YbTFldWhWMGU2VWdLcU1rNEp3bjJyU081UQ?oc=5) · Lubbock Avalanche-Journal
- 2026-01-25 [Cheryl Owen Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBUbjRWSW94T2ZpNDNRaDFSOEpBMWcwcTBTZlJnVy16M0JCcHZETGdFSHpZWkdRbTJpZjg0TURxbGpENEFIUm8wQl9PVTlYNEpvUnlCcUhLNU1Rc3Z3MWZka09obFZwR0t5LVJNaFFfU09RcEU0bThodXRaOG5MWms?oc=5) · Dignity Memorial
- 2014-04-28 [Amarillo man pleads guilty to credit union robbery, faces sentencing - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQVFVtTXRHQUpFS3hpelk4emVna1NzWGx5Tk5MQnZ1NGxwQ3VocXNxMnYzVUE5S0JrdUhxRUtrUUZfVlRhazJ5WGNyTVFiakZMUVFzQzJEbTQ1OEZEVmdHdml5djBZeXJodDBuVVdpeW9rVW43VXF5N1c3b1ZsX0prOUFlaUtZaDdKZlV5UUZSSmFvMnl5SVpQc3llYUcxR1A4ZWdBRDdBbFBtbTU1ZlV3SkU3MA?oc=5) · Amarillo Globe-News
- 2020-11-10 [Obituary information for Linda Scott - branonfuneralhome.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE82WUtITDZKZVRMZF9IVl95Yk1KRW9FbndvYi02a1BDeFRwNmtUdnVDV3dBY2JlNzBncENVQ2x1ZEdyRkQ5MG9iek14VDkyVG05Zk9EMzJsYWlQcmZwVk5WVnFpT2ZycktxQWNqWHY5QW04ZmRVVVpHQ0ZR?oc=5) · branonfuneralhome.com
- 2021-10-12 [Brianna Graves Obituary (2013) - Slaton, TX - Lubbock Avalanche-Journal - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQUxvX3MtTWtjc0JsWkV4a0g0QWt3cnRfN3FqN0VISE5JcHlzQzZ3eHVqWlkyazJ3dGVnaU9iekhlUVFkVG4xLUl0UnNpdU5jbkFqQUMxS1o5OU54Zi1xaFVNQVJlT1lIUUVMZmNMZEtRTXNoNFFHRXlwRGhRSmo2eGRSZUxUNk5rQzJUQWpoSzR0R1ZXN2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16813 (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/45.json (key "16813", 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=16813
- 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