# DEL NORTE
Los Alamos, NM · NCUA charter 64759 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/del-norte-64759

Who the members are: state charter, organized 1954, low-income designated, minority depository institution. 67,873 members of 2,092,454 potential (3.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.47B |
| Members | 67,873 (3.4% YoY) |
| Full-time staff | 214 |
| Net worth | $139.6M |
| Net worth ratio | 9.5% (p22 of band) |
| ROA (annualized) | 0.98% (p73 of band) |
| Total delinquency | 0.52% (p40 of band) |
| Net charge-offs (annualized) | 1.08% (p88 of band) |
| Loans / shares | 75% (p22 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p87 of band) |
| Operating expense / assets | 3.06% (p41 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 291% (p84 of band) |
| Vehicle delinquency | 0.76% (p64 of band) |
| Vehicle NCO | 1.90% (p83 of band) |
| Repossessed % of vehicle book | 0.24% (p87 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 33% |
| Average share balance | $10,052 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $23,265 |
| Loans granted, annualized | $365.9M |

## 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 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | auto monoline |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, delinquency 2x band |  |
| 2020-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | members leaving |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | members leaving |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-15 [Del Norte Credit Union’s LOV Initiatives: Making a difference in the community - KRQE](https://news.google.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?oc=5) · KRQE
- 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
- 2025-11-21 [Credit union set to expand New Mexico footprint with new Rio Rancho location - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMVRaUWFha0RtcHM3aVZlT3Z0bHpud2J6QWVUc3FBYkI1ZEQ5V3hBRlRmY3hKTGUxUXhxRHlYa0tlOE85ekVBc05NQk5sb0YtNUV3UjBGRnZ3VVN1X3ZTeGEwRWItV1k3M1Z0ZExwU1JwSlhvLUNQRFAwOXZMa0pCTlJZS1d0R0ppRVp2X25EZjE0dzRWZHI2bTMyYUN4MngyRGNjZXI5WlZkUQ?oc=5) · The Business Journals
- 2025-12-03 [Del Norte Credit Union to open new Rio Rancho branch in 2026 - Sandoval Signpost](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZkl1NzVzMk9VSFB1RDdrU3FHQVUtenh4Q0xqQ2JteGdGZDcwRVE4U3ZDN3ZJUTNZeW5nS1o2MVFUWTN4amRObkRSMEZRNmVPYXAwR2dnTjdGSHRXdEVScmlVLWo2S3liTUFCd015elBFX0NvOW9rQmlBUWswWXhjem5EYlJhVktNd3JfSWdzdF9KaS1GMTc3TFgwQ2Q3dUU?oc=5) · Sandoval Signpost
- 2025-10-20 [36th Annual KOATs for Kids - Donate a New Coat for Kids Across New Mexico - KOAT](https://news.google.com/rss/articles/CBMirgFBVV95cUxOV0l6WGtTUVRkOGNlZk5FcWdlN2lDY0VkaFcyeUdvcDh0TjFJVkhoMnpmeVQ0ZmNQM0RQRXVvSDdyOW5SRmVRaEs0TkpCUkl3VFp0YnVNTk02VnhpRUxxeEw4X3hsMFJIZTRveGxOcDgwc0hlYi1fMDdDYThMRUJzdVU3X3l5aHNHZ2N5Z2RqOG9jWmYzSXNVOXlTRmhWZnh3REMtZlduaHdPbzFFSnc?oc=5) · KOAT
- 2024-10-04 [FHLB Dallas, Del Norte Credit Union, Wells Fargo and Southwest Capital Bank Celebrate Awarding $550K in Grants to Support Tribal Housing in New Mexico - Business Wire](https://news.google.com/rss/articles/CBMisAJBVV95cUxPVGZ0S29QTUcwMkU1T051WFRtMllibjlqbmpOdWVwdGxNTmxENGl4dFNiQTRJT0FGQUdWQnpGMUVhUW9zLXFsdGRpb1d0dGpJQ1JsZUg0SFFOOGVYdnZ1RDZpNHI5MDR4Mk13NGZ2NjRhd0VFVXZTQkQwTTJNX2dOUmE1NGdFT2dtTTlwRDEyS0trQnNhSEtpNzNQNndpM0IxNXZFX09wUjhESmwwWXlFS2JSQzFUTVlteEZWcnB3UWt5bUhiMWFJYWd5X25TQWFyOFdFZy1VZzh0TnFicWZZMzBxbF84OS1HZF9USnNZM1NWbXlRa2hUa0VGRDVqdUZEX2sxNkZsM2xSa25FWUR2N1NQXzl2VnAwbnpjODdaSGlFN01UNzJKRFRzM0hKNnpB?oc=5) · Business Wire
- 2019-08-12 [Zia Credit Union Names New CEO - cutoday.info](https://news.google.com/rss/articles/CBMidkFVX3lxTE9WOW55Ti15bDF2YnBTd1llRURtOWtNbDAwUElKc0czU3V3UnRiRnV5Z1BRUnRUUTlOQkZURnVVb0FJYl9Ta1FqNlM4eGxIWGo0dVNWY2dCbFJYeWdTX0tvanQtUDNpcHJzYzFrUm1vY0c0V0ZZd3c?oc=5) · cutoday.info
- 2025-07-30 [Best of Santa Fe: Business - Santa Fe Reporter](https://news.google.com/rss/articles/CBMifkFVX3lxTFA1SDlXR3lZWFpudG1HYzBkSzBMN2lHV2F5SHBtMUNVUkR3QXp3a0FTcDhCcHJZbVpXM0hoLUpPNEVGSFVYdkdUSUljY1RSWlBmVEVVVmZOejhKc0U2Yzluc29iV1dtd1RnUWN4bXJWNGZpbzhObXI2Ui1Xa1VpUQ?oc=5) · Santa Fe Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64759 (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/55.json (key "64759", 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=64759
- 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