# CAMPCO
GILLETTE, WY · NCUA charter 20727 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/campco-20727

Who the members are: federal charter, community charter, organized 1971. 19,564 members of 429,501 potential (4.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 98.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $227.3M |
| Members | 19,564 (-2.5% YoY) |
| Full-time staff | 43 |
| Net worth | $25.4M |
| Net worth ratio | 11.2% (p50 of band) |
| ROA (annualized) | 1.16% (p80 of band) |
| Total delinquency | 0.39% (p29 of band) |
| Net charge-offs (annualized) | 0.49% (p61 of band) |
| Loans / shares | 76% (p53 of band) |
| Cash / assets | 23.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p70 of band) |
| Operating expense / assets | 4.20% (p72 of band) |
| Vehicles % of loans | 78% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 291% (p93 of band) |
| Vehicle delinquency | 0.31% (p27 of band) |
| Vehicle NCO | 0.63% (p51 of band) |
| Repossessed % of vehicle book | 0.04% (p59 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 29% |
| Average share balance | $6,178 |
| Participations bought / yr | $5.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.0M |
| Loans outstanding per 100 members | 98% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $7,916 |
| Loans granted, annualized | $63.3M |

## Participation posture (from the same filings)

Bought $5.5M and sold $0 in the latest annualized quarter; $8.0M outstanding purchased (31.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising, auto monoline | charge-offs p90 |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 5 | thin capital, net worth falling, delinquency rising |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 2 |  | thin capital, net worth falling |
| 2020-12 | 4 | thin capital, delinquency rising |  |
| 2021-03 | 5 | net worth falling, delinquency 2x band | delinquency rising |
| 2021-06 | 5 | delinquency rising | net worth falling |
| 2021-09 | 4 |  | delinquency 2x band |
| 2021-12 | 4 | delinquency 2x band | delinquency rising |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | delinquency 2x band |
| 2022-09 | 2 |  | thin capital |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2020-05-06 [Hacker’s Brief - County 17](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBLVUR4QWR0N1VFZ0FhSk1ES2VUQXVDRWFMQklKdVZTVmJmUlhHbTdkcXd0bHJRNjhmM1JzYWFpQzAtZkNSekp4VzZQd3J3a3M0MndxaEZJaEw5QXhq?oc=5) · County 17
- 2020-07-22 [Hacker’s Brief - County 17](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1XbUQ4b1NMeHdrX0E4MnhMYnJ5bEhxejlzX1RtSTNoWjNQWWNIMGdmZTdhUnZTWFI5RExTRFdINGVTdi10YzlDNUF0c0Q2cWY2dk1zeFFPcHQ2dFUyUllF?oc=5) · County 17
- 2009-03-15 [George E. "Rasty" Givens Obituary - Davis Funeral Home, Riverton Wyoming](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5uY2pNYTAwMzJ0MjBVVlhlS3VWRVluUDJFOHNvQV9VTUxoTHdTeklUc29mUHRZZlhCTS0wOVpqZ1EtR2NzRmZWN2xRZmdHZWg0MFF4VmNaZ1RTblhYd3c?oc=5) · Davis Funeral Home, Riverton Wyoming
- 2026-02-18 [Amanda St. John Obituary (1984 - 2026) - Gillette, WY - KELOLAND - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPLTNLQ1ZreEtSM3RNdW04TG80QUVPV3c4OFJwZ2ZmU01jaFpzOHZjc2lsZE5wNEpOMkNWXzAzNEZhUFNLS1VKRUtwbXBXOXVIVkRFY3BzUGJZLU01dmhyd28yS0hmRUhPV0hncGFxUHVIdmhuVkdZalY3eGpuZkhqNkk0YkkxWHBRUEpTaHVaOA?oc=5) · legacy.com
- 2023-08-22 [Gillette Man's Ex-Girlfriend Accused Of Robbing Him, Running Up Credit Cards - cowboystatedaily.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPcWZnc3YzRWw2RjlyNEZuU29pcVU1Z3FvRkh0ODdEMTg5YUYzbGlHUjZwQ2pNOWF4TGFxSXhoMjNiRF9hWWFGYWFxeVFtR00tbTgyLUMwMFNhOWM4WHBmSGY5VFRXZ0JrRHRjNGxzUjJOM0NoQ1lVUy1teGdpcS1QQUh0NXdEUnN2S3NfLUpBOEZXY3pybmJfYjdwRG5nenhmU2t4aDJXdlgxTktiNkJ5bXhoR2pOUQ?oc=5) · cowboystatedaily.com
- 2020-07-15 [Hacker’s Brief - County 17](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBNSVY1clp4bFQ2S1JuR0ZpSXBiaTlxRkV4UWF4RlQtTVdwZFhrZHZ6OHVzVDlLNm1QaG5ObWlCTXc4ekNKbVdJSDJrQ2pKOXRLWFdHNE95Rkc2M3J5?oc=5) · County 17
- 2026-06-21 [Lillian Ann Wollman Obituary (2026) - Gillette, WY - Gillette Memorial Chapel - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQT3d5b21VNFlGWlk4OVJBYzVJMjg4VUlHVEZrb0hXam5KUTVNMUdJclRmampCZ1I3UFdsaEVnd1FsbFdYTmFLY01vYTFUSEt6OFVfRTFkWU1mai04aFg1X0wtOTJrR2NQa1VuUF8tR1FJeDQ1QXJQYmkxRjVkRHNjNUtPSkE?oc=5) · legacy.com
- 2025-11-17 [Wyoming couple charged with exploiting elderly relative - County 17](https://news.google.com/rss/articles/CBMikgFBVV95cUxQTDVsWDR1eEdMNFFGYnZhRGpBeDNZS2MyX2hoM094Z19aR3FxbWFwNUVSN01YZ3ZXTHgxd3FHcVRKREVhcHpxZ09fMnppbm0zTTdDT3FoOWtiVzhZRzVBV2g5bXBaX1RJNWJSSjBkU3FsWmxFZVU4SXdDQ0RGT2xxVkktcFAxWFRSUFc0SjVkTnJsdw?oc=5) · County 17

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20727 (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/55.json (key "20727", 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=20727
- 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