# GOOD SAMARITAN
SIOUX FALLS, SD · NCUA charter 21144 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/good-samaritan-21144

Who the members are: federal charter, service (single sponsor), organized 1973, low-income designated. 6,841 members of 12,000 potential (57.0% of the field); checking penetration 3% (share draft accounts per 100 members); loans per 100 members 22.

**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 | $26.7M |
| Members | 6,841 (-4.3% YoY) |
| Full-time staff | 3 |
| Net worth | $5.2M |
| Net worth ratio | 19.5% (p84 of band) |
| ROA (annualized) | 0.41% (p67 of band) |
| Total delinquency | 0.36% (p48 of band) |
| Net charge-offs (annualized) | 0.37% (p80 of band) |
| Loans / shares | 48% (p50 of band) |
| Cash / assets | 19.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.94% (p24 of band) |
| Operating expense / assets | 1.73% (p13 of band) |
| Vehicles % of loans | 84% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.37% (p58 of band) |
| Vehicle NCO | 0.43% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 10% |
| Average share balance | $1,861 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $6,869 |
| Loans granted, annualized | $6.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 4 | net worth falling, delinquency rising, members leaving |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | net worth falling, delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 4 | losing money, margin squeeze |  |
| 2019-03 | 2 |  | losing money, margin squeeze |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 5 | delinquency rising |  |
| 2020-12 | 4 | losing money | net worth falling, delinquency rising |
| 2021-03 | 2 |  | margin squeeze, losing money |

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

- 2026-08-16 [Theola W. Paeth Obituary Nov 19, 2007 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9mVmh1Y1V4M2cyeC1hWkhNZm5CcFJuLVI3MzllTEFmU2xhYmtOYUxudUdzVUkwUkpLdEFEZk5mS0dvMzdkTk5jWDVhbE9JTHBNQzJRVm90VjJnZ1lV?oc=5) · Miller Funeral Home
- 2026-07-24 [Good Samaritan saves woman from burning sailboat off Point Loma coast - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZ05acHZsM2FGbm5ZNWxKMkM0RDVPeVA2RFo5X3N2dTNXSXBFUjd1Xy00OHVaOVdta1VETE5SaVVLR09zVE5uYldxWnQ5TlowZWIxRnhXeEpJR29Fbi1uakhIcFdYcWloTHZsS1E5RXRSclFEQ2dTM3NOTG0yd2pQNjJhd0xrOGxfU3dYOElRUUFhbndMZ2JEbkdqQlA0MkJyOFctclBzWTRhczMwQlljRjRKZl9uekpNYVE?oc=5) · San Diego Union-Tribune
- 2021-10-18 [Two South Dakota CUs Complete Merger; Members Get Payout from High Capital - cutoday.info](https://news.google.com/rss/articles/CBMitgFBVV95cUxNMWxXNXNIeHRLdjdIREZtelBIZC1aampFbVk1dFBWUUwyUFhVaHNibmxwRG9wSmQycVRpS2NCOUxKQ2h4OHIzWXhjVE8zaUZVUVBNaW5vN1hwR2w4cFNxNGp3TThmOUp5T2pNbktndUdRdFhJdFVoU1Bxd3RWNlNIWXg0eGlWOEVhTGpmZHhVMkdDRWxQRkxwSEl1dGxVc043d0JhNlEzS2x6Q1hWdnJpSlo3bWliZw?oc=5) · cutoday.info
- 2023-10-30 [Celebrating Real Heroes - American Red Cross](https://news.google.com/rss/articles/CBMivAFBVV95cUxOOFF4Z2c2NElweHR2RlZkLTBhaWo2c2N3UW5BZnBtVTNyN0RqMjI3dEN3Skw2RUllbi1SZjhUcTJ0eGoxeDIybV9adEpKTFhjVFlnMEtaV3QtSTFhWjZQREFiWldWWWlsTmdidUVab1NuLVVkWnV0M2txMTRlTHF1bnNkMUtXUUVmRjBDTG9Mb2Fzd2NtUUdOeWdmaE9NTTc1cmdJcC11Zjk3Z1N5dlp2Tmt1d2h0RGppalFPZA?oc=5) · American Red Cross
- 2021-11-16 [A Look at What Members, Mgmt. Get in Mergers - cutoday.info](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdnFVb19VYzc1ZE1SVU5peGJYTWZNVlRjZEV2QmE2bTAzeFhyTklMb3VwZVJic2k2SFV0bnVCOEdSOW0wSHR4MHN0OTNCcml6VTlXQXNqWGpYd29rZDdPemxFUjYybjVxRm9MN3VnZlp0T1lheTJxR3AyUDJtUkMzcXU0eUFsR1E?oc=5) · cutoday.info
- 2026-06-19 [San Diego summer concert guide: 12 shows you can’t miss (and dozens more to consider) - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiygFBVV95cUxNRHJkNzRySGZpeVNVRnpEX193VUFzUmsxcDdtaDE2T3h4VFBHN01tVVRTekREVG9kOHN4TW44dVVLVkhSQkJERXZHeWZMa09DbXFwSmtqZ0xIZVRrTllsLUQ4MkliNGVtLUtMUW1ldE9FdklIdGhQQVd2R0I4ajJ4anpEc3pPY0tUSnpDa0dnZnRpT2VDeFNyWms5cFladzNEUzVTcjNiOUstQnQzbzl1S21RMUFXVEFsTlE3Q3JHT3VkZl9fODVWMWxB?oc=5) · San Diego Union-Tribune
- 2022-11-01 [Oscar Austin Obituary May 16, 2004 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9OdkUwcWZ0cThfOGxzYkVfc29KSU5COUxnSk91SEdiUUJldEhTWEw2ZVR2eUJnRkNuM1NtSGZoVDFERkV2UGFuQUN6cHlySWp6dE4xcjhlTVBlRktvcXlvVTlldF9QVVlURVdYdw?oc=5) · Stevenson Funeral Homes
- 2024-06-21 [Frank Augustine Obituary May 1, 2009 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9zZEFNVklmSGVERTJxcXdSbUV6U0tlb0tPN1V5Z29EdDJhamlseUtvWWdLU2tBRkRMaWJyZmhxTnYyeHlrWW1iVlJBY0NEeEFWb0lCalU0Zl9kcklYRl83Zm40RDZ5Vlk4bW9NcVZGN2RtQVE?oc=5) · Keithley Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21144 (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/24.json (key "21144", 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=21144
- 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