# GOLDEN PLAINS
Garden City, KS · NCUA charter 62542 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/golden-plains-62542

Who the members are: state charter, organized 1951. 91,095 members of 2,346,208 potential (3.9% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. 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 | $1.00B |
| Members | 91,095 (5.6% YoY) |
| Full-time staff | 206 |
| Net worth | $130.5M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.06% (p78 of band) |
| Total delinquency | 0.94% (p77 of band) |
| Net charge-offs (annualized) | 0.68% (p66 of band) |
| Loans / shares | 94% (p75 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p63 of band) |
| Operating expense / assets | 2.94% (p35 of band) |
| Vehicles % of loans | 80% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 485% (p98 of band) |
| Vehicle delinquency | 0.91% (p73 of band) |
| Vehicle NCO | 0.85% (p42 of band) |
| Repossessed % of vehicle book | 0.10% (p59 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 42% |
| Average share balance | $5,959 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $143,079 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,971 |
| Loans granted, annualized | $276.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $143,079 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | net worth falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | 3rd-party paper>100% NW |
| 2020-03 | 3 | 3rd-party paper>100% NW |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | loans>95% of shares |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 4 | loans>95% of shares |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | net worth falling |  |
| 2023-03 | 5 | leaning on borrowings | delinquency rising |
| 2023-06 | 4 |  | net worth falling |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 4 | delinquency rising | leaning on borrowings |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | delinquency rising, members leaving |  |
| 2026-03 | 3 |  | loans>95% of shares, members leaving |

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

- 2026-05-11 [Obituary for Mary Lynne (Sipes) Munoz - parsonsfh.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5CQ2RYcHZuWkRjWGFHTlZqNDZpbWNBYndyLURkVW9WM3pZakkwcVVKSFpILXJQdFg3RFhuSDlNT05OOTRBV2I3OVNKSFlWNXh4WDRXblZicFE?oc=5) · parsonsfh.com
- 2026-04-30 [Justice Mendoza is Valedictorian and Gavin Campfield Salutatorian at LHS - KSCB Radio News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMEphLW9UVDhqQnNvcXFHU0x0dEt1NXVrd0dnWWtqT1VRV2MxTVhuR3lJRW9lN3E4YUpUYWliV19SR3dEQ1dIc1VrdzRXM3NRVUJNT216bHV0SEJhaG5OVk90Z250X3NtTnRyV2RpU005Z0xxQnBVb1I0aHE4Y3RPbW0xcG1PQjBudXRmTG12bGRHUGEzeTAyaWRpYm4zYzQ?oc=5) · KSCB Radio News
- 2025-12-24 [Hays scouts bring Christmas Magic to nursing homes residents - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1saWs1My1qaXk0STRrV2xkaXhWSXhlQmpXZG5tMV90NHVTLTVNT3MzZEw4cUFwSmtWMXlKRjFJa29fcVExbXdTTHg5aGpQdjd5Szl4WGxpWTQzcnI2OWtodmxTUWI5N0hNcDBKWWx3cHk?oc=5) · hayspost.com
- 2024-09-12 [Wichita man scammed out of thousands of dollars - KWCH](https://news.google.com/rss/articles/CBMif0FVX3lxTE85RkJhNUVDcmJoTHBicF9Rc3R1b2dsWnNtTlU1NFppcENLNFVHMUh0TTdnVTI3cWNIOE9qR01RU19aenNoUDRRdzFWXzBMdVZ0dHV3NWRMdzZTVmNjbjBuMU9QYjY5UE9ZcWJaSldDaDI0N190TGk0Q1lsaDdhdXPSAZMBQVVfeXFMT0NCaVlOR1hvb0ExaGVlV1JCd2tFSWlBR1Fidmg2TndlN0FNbEVjNTlTODNMdDI4RDhWWmw3YU85NEpLNXlweGNGeXpLLVg1d2RwS2VsUzZJbm9XaHZGTkthaVdOU3hlaDRTajU2MDVlQ0ZhVmJIcnY0Wk1hVEhLTGx1UjVXNVpnZXF4cFhJeDRHbzZZ?oc=5) · KWCH
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2025-06-14 [Ashly Nicole Frenzl Obituary Jun 14, 2025 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMieEFVX3lxTFBPT0VTempsRXJieEZTUnpwSk5VQ0JsR1VURTZSTW93VHZwS2pidlBoQU96Zjk0MGNHbHNYU3Q0a3lIaGNnbExDQllQQkZKdkczU2dYU3hwS2kwZVBUc3FWZzNLRldrei1JaGVKdXh6SDg0aTh2NXhVUA?oc=5) · Keithley Funeral Homes
- 2026-03-19 [Gary Warden Obituary (2026) - Liberal, KS - Miller Mortuary - Liberal - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5wRTRVX2tPUllvbmtId2k5NDVqZlNsQ2d4aUktTXpIbzVybkhTbWI1U1BrMUZKS0M4anJveTNTT2E3WlFQaEZvOE1NbnNQWkdYTEkzZEVtNmRVbHhqTVdEb3BkclVLbjNsVUNudFUxbks4elFETGpONkFWMlpwb00?oc=5) · legacy.com
- 2025-04-22 [Lanette Sue Mesa Obituary Apr 22, 2025 - penwellgabelkc.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE83LWFMZkJMTjlvZWxnWUJZSndTV0dxT0hpdXk4OHVydF9BY2p0aXF3dzZMVXY4TjNsLWpNREdYTlVxMmw5SkdaR0h4WktNMExINXF1bHdEanNBbjVab21ZeG1tRkU?oc=5) · penwellgabelkc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62542 (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/14.json (key "62542", 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=62542
- 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