# HASTINGS
Hastings, NE · NCUA charter 5291 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hastings-5291

Who the members are: federal charter, community charter, organized 1946. 5,210 members of 55,101 potential (9.5% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $51.2M |
| Members | 5,210 (0.3% YoY) |
| Full-time staff | 11 |
| Net worth | $10.5M |
| Net worth ratio | 20.5% (p92 of band) |
| ROA (annualized) | 2.24% (p98 of band) |
| Total delinquency | 0.99% (p72 of band) |
| Net charge-offs (annualized) | 0.09% (p32 of band) |
| Loans / shares | 85% (p89 of band) |
| Cash / assets | 20.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.42% (p87 of band) |
| Operating expense / assets | 3.39% (p44 of band) |
| Vehicles % of loans | 66% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.23% (p27 of band) |
| Vehicle NCO | 0.04% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $4,651 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $14,051 |
| Loans granted, annualized | $14.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | auto monoline |
| 2018-03 | 1 | auto monoline |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, delinquency rising |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 2 |  |  |

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

- 2026-04-15 [Patricia A. Sinnard | Obituaries - Hastings Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxNY2xFT0o3QVRJNzlHcGpHcmt3TTBKaGxnLXBObEZDSzYwaF9kaFhiSGtGR0kzVzE4NHUxQ0dibFRyRjBMcW5mQXdNUThzNTdkT1ZrQUpLeDVVZEtqUHg0NHhBeGNPOVhVLXlQNWxrR3JSWjNMOUVWTTFpR1JNdVpiT3hFMmlqQ3Q2RFoyN0pxanZVb3ktQmpMSU9lY3dKdlFnRUt2NkVBR1gwbmxFY2FwbQ?oc=5) · Hastings Tribune
- 2026-05-22 [10/11 Show You Care Can Care-a-Van returns June 22-26 - KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbUgtNVlTWGQ4VzN4Y2k5TFhhc0lRY2JQZEtwY2xMcGtqWjhpR0xZU1dXY3Z0YlB6WE1ySUFQbmdLTmlYYU9GdVNkeHFWWDVlQnVXRVJNUXZHNzRYbE1wblB5c3BRZEs0c3pmNVlzRWdFTUhfZWlXalA5ZkZPYzd1TzdKMGlzbE5UMVBCQk13T1l3dw?oc=5) · KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE
- 2026-06-26 [Treaty Oak Revival Fans Yell “F*** Dak Prescott” After Power Outage Cuts Their Country Stampede Festival Set Short - Whiskey Riff](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNR1ZTMmcxYkRqRXd6elVJTFE0Sm5XemZhNGg3RGd5SXg0NEVNcHpnN0xxVFR4NzlBZzlXSWFMRGR4UnRFWWRwNTVEWFA2RDNSTy1PeUN3ZG9IWXNmMlQtTTlsRFNsbjhQYTRraTQtYTByVEpDTl9wR2c4em9CZXU4a1dzeFN6eUJNWk1ieHRUZVlYak1qdFBHSG1rcGJ4Vjh2ckZpd3BJaUdNQ0VsRUwtMXh5alVWcVZUTVJaV0FJVnB0WWJ0cGZ3YVlTQlVkb3RrVkNTc2JqRmdqMUhGbEhPNldQYw?oc=5) · Whiskey Riff
- 2023-03-17 [Londyn Rian Buss Obituary Mar 17, 2023 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5SQzY4ckUxb2NvUDBVWGtmWUZORUZGS1cxYWcxUXVfd0ZfWWlUbThjT1lnOUZ0THJOamktbE5qWndkR1JNaDRXcmtGQWlSNUxuNVo0MFItRQ?oc=5) · Livingston Butler Volland Funeral Home & Cremation Center
- 2022-10-16 [Roseann Farrell Obituary Oct 16, 2022 - Adams & Swanson Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9IU2pzZ2tJaTlaem9LUndxdm1qLWhtVWFqQmVsNkR4a2Nnek9wTUk4VGc3Z2NmTUVIMkVqUFRtUkZ0aDdGTElhY1BIWkpudmcwUTBnN1RSUzV1eDFHZk5CcnVKeW91dw?oc=5) · Adams & Swanson Funeral Home
- 2025-02-25 [Public attendance information for Trooper Kyle McAcy funeral - Central Nebraska Today](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBISHVKY3JfMFRVQVpKaEM3MFdQWTdpUnpNbHNwSlVVZ0FXTUE1Y3NGTnA0aU9QUE1vS1hxdmRyTUtIWXlPTjNDNDdxbjlka3hvVjhwODdHSFpZNk54UVZiTHpzbm41QQ?oc=5) · Central Nebraska Today
- 2022-05-03 [William "Bill" Noll Obituary May 3, 2022 - McKown Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9tQnI3Q2hOZlZOM3hXcjlrVUNWOEdDNXl4c1M5UVJoZm9zb05SR19iSlNCd3FlQUdES3hrdFU4R0dFd2JDZFFJa0V4SURuQmtLOGdnc1dUdkRWWFZFY2NyUE0yS0FzRGIt?oc=5) · McKown Funeral Home
- 2023-11-22 [Wondering whats open and closed this year for Thanksgiving in Nebraska? - KHGI](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQb29TdVpaLWtxY2ZlMU5QSDBOVnphN2tOcHh0WFlMMzYwU1NCNzhZYmNvOTFPbEVhRDdHVkJ2NC1SMm5GRTZMN3RjeEFiS2NrTS1LMWk1VlJpWGQ5MmJvUmc5NDBzR3VYNGNPdzNyRjNfU0d3MWI0N21zVmNSR3A1MERsNW1WY3U0TFJsM3dWZExYRjNxRXUtMEdrZFNkMVEwT3d3ZjJqeGxhU05RbHlEUTRWUEFSX3NqdUJObkpkUVFHVEU?oc=5) · KHGI

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5291 (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/43.json (key "5291", 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=5291
- 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