# DANIELS-SHERIDAN
SCOBEY, MT · NCUA charter 5063 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/daniels-sheridan-5063

Who the members are: federal charter, community charter, organized 1943. 3,178 members of 33,600 potential (9.5% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *ordinary*. 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 | $92.4M |
| Members | 3,178 (1.6% YoY) |
| Full-time staff | 13 |
| Net worth | $11.0M |
| Net worth ratio | 11.9% (p40 of band) |
| ROA (annualized) | 0.16% (p20 of band) |
| Total delinquency | 0.71% (p56 of band) |
| Net charge-offs (annualized) | 0.14% (p38 of band) |
| Loans / shares | 65% (p56 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p3 of band) |
| Operating expense / assets | 2.55% (p17 of band) |
| Vehicles % of loans | 24% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p57 of band) |
| Vehicle delinquency | 1.72% (p87 of band) |
| Vehicle NCO | 0.55% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 215% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 39% |
| Average share balance | $13,089 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $556,507 |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $22,662 |
| Loans granted, annualized | $20.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $556,507 outstanding purchased (5.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 29.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2017-06 | 3 | losing money, charge-offs p90 | delinquency 2x band, assets shrinking |
| 2017-09 | 6 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2017-12 | 6 | loan book shrinking | margin squeeze |
| 2018-03 | 3 |  | delinquency rising, net worth falling, loan book shrinking |
| 2018-06 | 5 | delinquency rising, assets shrinking |  |
| 2018-09 | 2 |  | charge-offs p90, delinquency 2x band, delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | members leaving | losing money |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | delinquency 2x band, delinquency rising | assets shrinking, members leaving |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money |  |
| 2022-06 | 3 | charge-offs p90 | delinquency 2x band, margin squeeze |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 0 |  | losing money |
| 2023-06 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | delinquency rising, assets shrinking |
| 2024-06 | 1 | loans>95% of shares |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | net worth falling | loans>95% of shares |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2025-10-07 [This 12-month CD still offers 5.11% — plus 9 more of the best 1-year CD APYs of October 2025 - MarketWatch](https://news.google.com/rss/articles/CBMizAFBVV95cUxPMl9wWmRXZTBtVUVuVUlmZkNwYVk2bHV4QzJtUGlWZHV5Rk5qRnZtYlRreHVSWG5EQTVvNE5JWGZBSlhlR19XSDlEelh0ekFIV2dNWlpZMmEySHZrY19IVS1PRkFQdGZtTTViR1I1R1JIOVJibXlmRHBtOFUwaG5vTG1wb2sybF9KaDhkNHBYUEE0eDhEMVdsVUg4SkttM1R0Z1diTUtKQmQtTk02MFgwSEJXOVZDTmtIb2I0Y1dnN1hNSDRMOGVGZC04T1g?oc=5) · MarketWatch
- 2025-05-27 [Montana’s Credit Unions celebrate three outstanding leaders - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxQbi1oS3JOcE45bHpTNTlvbFhocnFhVlBSUUt5c3lyM1FkR2xBYnFQUlRlZDZHb21VS1JuOGVjaE83RjRfOS1wczNhX0xwYW5NTGhIQkx2RW5lR3NxUnQ3VGZMYXpVVkVOdzZxZHE2NkdSMUVoWHM4NC1JRG0zVFI5S00yZzJFY01NQ1lzc2Q1LXRPSlo2TzA5bzJycExWMVFj?oc=5) · CUInsight
- 2026-01-21 [The Best Savings Accounts in Montana for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5tTlRsWmtmTDM1ZkJ0cWc0YjRTZ1g3ZW11cDhjajRRNDRJbU1PTHQyQ3dTN3RkU0Z1TXJKUXJBM2dJc3FCeWV6ZXhmSDhKN294a3NXQ0FFVDJxLXF6a3NUaHYyaHNBQVZzb2hSWjdpdWJzcV9zN0RV?oc=5) · moneyrates.com
- 2026-03-29 [This CD is still offering 6% — and 8 more of the highest-APY CDs this month - MarketWatch](https://news.google.com/rss/articles/CBMitgFBVV95cUxPWmpQa1gzd1VkdVpocVh0QktxSTcySFFmRk5qUmlINTYwVTQzRXpOUjN2bDNieENFbVRyNW14WG1feldwRnBVN3Y3amlyWkN5ZklwNE43OUE1aU1qbjNwakNDdWJBZ3JKZUpLeXBzcEp5bEU0cktJZmoxZFVLQTlJckt0QVhyY1pRSU1SNjRnQzQ4d0syV0taanB2ZVB1V2gxcnBPTjdtb1FRYXVqaUZla1FwOFdqQQ?oc=5) · MarketWatch
- 2026-02-26 [This CD is still offering 6% — and four more with 5%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX0ZEREp3WmNheVltLV9CVEZ1U0lnWEY3d1FUQVZxbUphWm41b0N0clJ1MG9CeTd5YktxUE1YMXFGU3BSRUhRbllXUUtjc2RIQ2ROa2hoTXVuSW9BX2MyWUE0d01kUGluMVUxTTJFVEdkaTNpMEdKYjN2Y3U0MFo5OHJIN2tfakVHZlRFUVZ0SEFaVXZsNWRUVTFlallkLTNNN29oTklrYms1d0U?oc=5) · MarketWatch
- 2026-01-22 [This CD is still paying 6% — and 4 more paying 5% APY and up - MarketWatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdFdzMlpFLW1EZllHSm1XSGk3Zm0zdmd4cHJ0aVhtTlU3dlNiaTNnQ1lPR3V0WUJzTjNlUWVoQjg3NHhmd3c1eFZTNXQ1OERaUFY5QXdxOWlnX1I1RWJGSUZtUzhHSnJQTE5BX2lKbzM0OGplQTNvbVZkZzdXclZ4SVFndHNfR0NUV2dRMkNkSWNQT2RvaGtzRFo0dkxlc3g3?oc=5) · MarketWatch
- 2025-11-06 [This CD still offers 6% — and these 4 have APYs of 5% and up - MarketWatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQcnFCaG9PU3Q0bVhjY3dKbXRVd1JndTlHbThmeFBRZHFrdHNJWFRKZlpLZlNvTWZrTnYyek9TeHBmbnBlM0FSUzJqazdEQ1hsWVNfX0hyb0FKbXpfeXFSM3NjcXZYX1k1RHgtQTZ0T3BDVW02Yk9FY004U0hoNFdXeHVMdV8wc28xbVpxdmxoUGlzXzVuRHFPeTY5TE9lamtq?oc=5) · MarketWatch
- 2025-09-18 [‘As good as it gets.’ This 12-month CD pays up to 5.11% APY — plus more on the 10 highest yielding 1-year accounts of September 2025 - MarketWatch](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPMG5PenJfRlJ5X2pLLUZIT0dkR1o5eGhONkI2dUZaYUpQNUtMNXRXeFRxUS1naE1DUVY0eGhsMWJlOUtnWjFteWVJQlRSbHFsSUV1eTh3TGtPQlpCZUpUeW9CUFVuOHhTdkhGOE1DNll2eElHUzFWS0dzYmU2amhkYk9mem9mb243dHdOcnZ0eHd1N3N0MkpPVGN4MTl2eV9IdURZY09YaXhnM1U5UldtaVIwbDBaVHZ3MUN3M3pBMnFkd0RCbFZ6QktUaEgtQmlwQURvd0cyLUVSbnhnai1yY2xHMDNvcW9GeGZYRkFHT0ZhbkJvQnBTM1NPRURCRFU?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5063 (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 "5063", 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=5063
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide