# LOS ALAMOS SCHOOLS
Los Alamos, NM · NCUA charter 61165 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/los-alamos-schools-61165

Who the members are: state charter, organized 1955. 2,221 members of 4,000 potential (55.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 42.

**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 | $32.2M |
| Members | 2,221 (1.6% YoY) |
| Full-time staff | 5 |
| Net worth | $3.7M |
| Net worth ratio | 11.6% (p27 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 0.37% (p39 of band) |
| Net charge-offs (annualized) | -0.98% (p2 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 29.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p53 of band) |
| Operating expense / assets | 3.61% (p49 of band) |
| Vehicles % of loans | 36% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p44 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 19% |
| Average share balance | $7,007 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $21,308 |
| Loans granted, annualized | $6.6M |

## Flags firing in the latest filing

- **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 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | net worth falling |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 0 |  | net worth falling, delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 0 |  | delinquency rising, net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2023-03-24 [Los Alamos Schools Credit Union Celebrates 68th ‘Meeting Of The Members’ Thursday At Fuller Lodge - ladailypost.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOSVlKV2hUbi1EM19PZWk3TmhmcjdYdTctdXRRQ2w0bW80UDlfamNyRzl0S3ItQk5seVNha0FDMExLUnlTOTk0c0ZBbk83SjBkVDhTaVpQN3lzdkRwRmpQdEdWNVJNS01JVXhqa3Q2aTUwVEVVT1BXUkhhbzVSRG9YX2NqSTZ0cVJFQXV5TVl5MHRBeDRnSWM4R3hBNUVpdnVsWU1HVXFNWW9Xd2FOWDdyeVU5cUNmZXYwY293SA?oc=5) · ladailypost.com
- 2026-07-28 [Sancre Productions: Local Credit Unions Present Nuevo Mexico Night Friday, July 13\ - Los Alamos Reporter](https://news.google.com/rss/articles/CBMivwFBVV95cUxQUlZaT01VNkRnTHo3cndwRDlXRXlMYXdXTE8wdW5PUjJoaWlhWmdlOXRjZXNsRGlEYU8tWVJKSFAteHg3cnJRYlQ0MVhYQnd6cnVLdWYtanBIc0VkUWZPSFZvbVljbFZQcjRJUkw5M1lnVGZhT3IteVo4TEk3X3hRODNIZUhaMEVrU3hsY3dsTzBBWnE0NXMtTUhYVkc4eWtrbUJHdHJSZG9iODRlZWtocG1FQVdjZVNhLXQ0ZFVPaw?oc=5) · Los Alamos Reporter
- 2023-08-20 [Los Alamos Public Schools Retirees Gather For Not Back To School Breakfast At Trinity On The Hill - Los Alamos Reporter](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPUUo1b3VoOXBKckVpWllHTWZubTJnRExiWmpGUWlfYklmdGo2eVV4ZFFWQXljZUF6TFB4dXZmN0NKbHE3UklaM0d1Qml3QUw3VmV2VlhyZ29CbUtVYWxwUHVxaU1nWEktVFJjOFlnY0xjUzB0TzB2OWxJb3Qyd0xOQmVQTlRXRnJkcVlBYzI0aERJNEE4QXhqN0dULXhvSVJnVF9DS2FqSThWZlZZOTJTU2VpZ2xLS0o5QnZTTlpaUENWNzVVZVRLempsd1NVTUtJOEg2MVhR?oc=5) · Los Alamos Reporter
- 2023-03-17 [Los Alamos Schools Credit Union Seeks Applications For Loan Officer Position - Los Alamos Reporter](https://news.google.com/rss/articles/CBMiugFBVV95cUxOOEVZUTBqRXRlVnU1NjdxZHlUbDc0QWU3SFQ0VWlBQW5TRWxibC1HUkh6eFdITnp6ODU3dlJmd2VrUDBPMHBtRzZodXdpb0NYeHFxOWtjMEVQSmFKYktfSmdRYzVXMHBNVjlZT3lQVUZMVFpicExyTVZ0U0ZxUkU2c0d6OGlrOGlIYWhzRnJIUWMzNzlBYjhfY21Ia1Mtb3AyNzhFY0NzbGFIVF9ONTlqYm1CT04xaDEwZGc?oc=5) · Los Alamos Reporter
- 2015-03-15 [Nancy Fitzgibbon Obituary (1921 - 2015) - Los Alamos, NM - Albuquerque Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRmZjV0VrLUtnVWhsSXlJSmRUazVSbUVsVHFWV1V3dGJsdW9XMk1SWnVXUnRySklUY3BfSUZjRzZVcHZUQm9aOUFLVFRyVHVfbVZzam1ieE1MNWx1cFNHMjd1cFZLTVJxSm51ZmNQOTMydjRobG0zeFJpcTByYnNXeVJubTB1dnRBNGxsdkRqcmNVNHFN?oc=5) · legacy.com
- 2023-11-13 [2023 Northern New Mexico Toy Drive Aims To Provide Gifts To 5,000 Children - Los Alamos Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxPSkwtMkxxSF9rdDZDbC04RzUybXFjSkhNbm1xdnczQWhkSHBjVzBObU9XVlk0OENLMDRLRXNoeHdIZzkzNExGd1RWVURoWEl0QkgtckRka0F0U0Q5eWE5Z3g4aGxib3V0UlRhaU1Tb3pET0NLbEhhOXo4M2Z4aktlZ3B0b3I4N3pHanhfNHJOYmhMRmtiUE9JTkluWW43VkpxR0pjcWdOM0hZUzVnZXJLNEtRaHAyQQ?oc=5) · Los Alamos Reporter
- 2024-03-08 [Obituary: James S. Bingham – Mar. 3, 2024 - Los Alamos Reporter](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaGxmVGFIVXRaQ0xqeUpRVzVWVFNHejZHTmF6Vk02ZTdmR3A3UUpicWt3dGlkYkRTSlRSdUFNTmttRGNrWFhodEJhcXplVmZKYnZtUkU4MGV3Q29rTlVpbGtzMlhaVDJKcmdubEtaRFEwd1p5UmpaV3dDVDA1NHdMX0p4bw?oc=5) · Los Alamos Reporter
- 2021-08-18 [Southwest Latin Band Nosotros Featured At Los Alamos Summer Concert Series Friday - Los Alamos Reporter](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOS2QwcnB1Uk51YnpZQWhIMGJXdUxlMUlfam1aYUZkdnhZR2hYWkszY1VMN3hsWkZvMHJOc25aYUx3R2ZCVzF0T1Z1aUg0ZW55X2tWQ1laR1NKcHJpaDFDamlNdzJ3N0NDR2stdWNDV1FxaXgxaDBIVVA5Q3hmTHhRZllvUFNJQW5rMVhfY0ZUX1dmZVZJc0twSWhjS21UR0VzcVZOQnZRa3NaVWRxQlJIaWNpQUxKTGdKdkxrbW5aWU8?oc=5) · Los Alamos Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61165 (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/45.json (key "61165", 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=61165
- 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