# ZIA
Los Alamos, NM · NCUA charter 60467 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/zia-60467

Who the members are: state charter, organized 1955, low-income designated, minority depository institution. 14,198 members of 1,465,426 potential (1.0% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $273.6M |
| Members | 14,198 (7.6% YoY) |
| Full-time staff | 73 |
| Net worth | $31.6M |
| Net worth ratio | 11.6% (p56 of band) |
| ROA (annualized) | 0.61% (p43 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.28% (p38 of band) |
| Loans / shares | 86% (p79 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 3.65% |
| Net interest margin | 3.78% (p66 of band) |
| Operating expense / assets | 4.07% (p66 of band) |
| Vehicles % of loans | 58% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 108% (p60 of band) |
| Vehicle delinquency | 0.47% (p43 of band) |
| Vehicle NCO | 0.21% (p22 of band) |
| Repossessed % of vehicle book | 0.10% (p73 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 31% |
| Average share balance | $9,462 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $19,124 |
| Loans granted, annualized | $90.4M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 4 | thin capital, losing money, expense trap, 3rd-party paper>100% NW |  |
| 2018-03 | 4 | net worth falling, delinquency rising | losing money, expense trap |
| 2018-06 | 3 | members leaving | net worth falling, delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | members leaving |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 | margin squeeze | delinquency rising |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 6 | net worth falling, losing money, expense trap |  |
| 2021-06 | 4 | delinquency rising | net worth falling, losing money, expense trap |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 2 |  | 3rd-party paper>100% NW |
| 2022-03 | 4 | net worth falling, expense trap |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 1 |  | expense trap |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 2 | 3rd-party paper>100% NW |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 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 | 1 |  | thin capital |

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

- 2026-07-14 [Zia Credit Union empowers Santa Fe community and expands to Albuquerque - KRQE](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaGZFQzZrNk1RUFppTmgxNjlQUUwwZXJIYTNfX3U0RVRWUExXWU1PNTJsRjU1SzhMU2wwTUVWVzgxT1dnMUU5VnM2S1dNSnJ6bnlSb3lfLW96bzB3OGRvMjRHSVhSRXpWMEZ0T0NwTmRYQlJmaS1GZ0NZWEh5UHZCR1BTT2pJREJIa3k5Zjh1U1FNNGFGd1JXblNFSmFlanfSAaQBQVVfeXFMUFhsM1RFWmpBVEVvOWI5a0pfNWlYSC1aV1REN2N2aUJ1VmRCcFdVOEVEeFRCRWdFMGQyX2E1WFlGMkxHQlExdVdWZUpyb2J0SnZxOE5IS3hneWNBQVFaMTBIR0YxZVZrbzloR3NfUGFYRkxxZDdyemp2OHRfSktPMWRNQThoTERmZmxEQnhWeWJVVjV4dHJwcFRDS0Mxei1HR0JvcEk?oc=5) · KRQE
- 2026-05-28 [Zia Credit Union Highlights Growth And Community Investment At Annual Meeting - ladailypost.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPR2hUME1iM3RkUWplVFAzeFZUMkFIaWpTajJQTG5YUHhqSGRQcTB6RkhsNVh6N2YwX1lrVjVDR0hmdUFTVkxvWndQN3A1eDEtcmh5Y0x2WmFJeHlTYXctcUVVdUxTR3phY0J5SHdJVlVZU0hodzNjZHJacE03SVF3c3FBalo4R2dOVEVYUGRQa0NBMC1jR3dXMWVqWGRGeUF4MXFmTA?oc=5) · ladailypost.com
- 2019-08-12 [Zia Credit Union Names New CEO - cutoday.info](https://news.google.com/rss/articles/CBMidkFVX3lxTE9WOW55Ti15bDF2YnBTd1llRURtOWtNbDAwUElKc0czU3V3UnRiRnV5Z1BRUnRUUTlOQkZURnVVb0FJYl9Ta1FqNlM4eGxIWGo0dVNWY2dCbFJYeWdTX0tvanQtUDNpcHJzYzFrUm1vY0c0V0ZZd3c?oc=5) · cutoday.info
- 2023-01-24 [Laura Loy Promoted To Vice President Of Marketing/Business Development At Zia Credit Union - Los Alamos Reporter](https://news.google.com/rss/articles/CBMizAFBVV95cUxQa1lteGduSmpYcXVIYnJHaDhSdmtHOGFRM3l0cGVSTjIzNUtMdHA2UHJDWC1DWkZOYmtSU3VVNVNkd2QxYlpzMG1veXhpTTdDS1RZTVVXbVFBa2RuR3ZRdHp6Y1Nlb2MzdkhHbDEySHhGb3NkbGl6Y0VMUldBUnY3RS01NGNQVXdYa3Q0akFYa21oX2g5ZjlNMjV3NnpNZnA2ekMzX2hnYUY4OTF0NTFqajN6MHl5Zm9SaFQ2SUxjVmcxNDF4R3p0X3Y0dE0?oc=5) · Los Alamos Reporter
- 2020-08-26 [Zia Credit Union finds next CEO - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZURpUEFGVjNxVm9iWC0yMzBXZHUwZ1p0MUJlcnpobHJqdGxhZGxCU3hOeDlZUXI1a1ppVk1GSTFJaGRTX1k3VGlPQm5LelozUmJNS1hqQzZGRVV2OHlDNUJuNFR6WUpLNndraFZxVFZoVkxBQzlSNzVaVXJUSW11dlQ5YWJ3cFE?oc=5) · American Banker
- 2024-12-21 [Seferino Eduardo Ortiz Obituary Jul 9, 2017 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMie0FVX3lxTE4zTlpmLXMwZHhFLWs1MkI0WmdyQ2o2aDdxZU11dWFTQ3FVYXB1RnlrU3NqNTA0VFZyN3Y1X0d6OFFDd1FCeHJnMzFOdGk2RzBHUUtPcEdlTzRfS0ZFVS1SWTJnakM5ODhPNXdZRlJjR0prMWVQS2haMS1DNA?oc=5) · Rivera Family Funerals & Cremations
- 2023-03-18 [Zia Credit Union Celebrates 68th Anniversary! - ladailypost.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9mVVNQWlpCRFNObGU1ZkZZaXR0V0dheTMtby1lZldxekMxbUdObE41VHFmNDBHaDFJZEFheFdFZHJLeDFnekdZNHZLX0t4VWlhRlFYX0lxZ2lqQ1kyZzdkV2E0WklSSjJLWllVVEZ3c0dlb1pocXB2aA?oc=5) · ladailypost.com
- 2022-07-18 [Zia Credit Union Invites Community To ‘Chip In’ For Kids Through Aug. 19 With Hole-In-One Challenge - Los Alamos Reporter](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPTmFqOG50UmxlTTAxQzQyeGh0U1JFcFNNY0ZrZzF3S1JXS1VlMXNCNGR5aDJJdk41VHhCTjY5T1lISUV5RkhQTW1yMk5jdVBsTEdmaERQQ2ZnOVhiNkVqVXlUMmZSenBUc1hiUWFyWGdBVUxVWE1BWEw0SEhPYUFzOVY0WGxEQlNVZHMxalBqMG5MVXdaNjVqSHBsb09xZDl4QVNTdWhNMUZWNmFjc0JjbUJ6cDBhNm00WGpwYmM0MFJxRnh1VDBSTmFzRWZhZENaWjF3VA?oc=5) · Los Alamos Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60467 (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/51.json (key "60467", 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=60467
- 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