# GUADALUPE PARISH
Antonito, CO · NCUA charter 65471 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/guadalupe-parish-65471

Who the members are: state charter, organized 1941, low-income designated, minority depository institution. 3,776 members of 4,500 potential (83.9% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *ordinary*. 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 | $42.4M |
| Members | 3,776 (-0.5% YoY) |
| Full-time staff | 7 |
| Net worth | $10.3M |
| Net worth ratio | 24.4% (p85 of band) |
| ROA (annualized) | 1.08% (p73 of band) |
| Total delinquency | 0.21% (p32 of band) |
| Net charge-offs (annualized) | 0.02% (p53 of band) |
| Loans / shares | 85% (p86 of band) |
| Cash / assets | 31.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.85% (p15 of band) |
| Operating expense / assets | 2.27% (p15 of band) |
| Vehicles % of loans | 11% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.36% (p71 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 25% |
| Average share balance | $6,766 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $34,186 |
| Loans granted, annualized | $11.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans>95% of shares |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | loans>95% of shares |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-06-21 [Chavez appointed to Colorado DFS Board of Directors by Gov. Polis - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMipgFBVV95cUxQd2dRaHQ2YTNDRWsyWnY0WnRwcjl4SU5mWnowVDVsbWdRcFBlU1RjbFE3NWlqQUFmYzE1WFpqakRNQVJJYTBPaTlkd1hRbTJGd2loWl9hMFY2NE16c0QwSkIzNW9vX3JNTGZ5LURXdnZ1c284QXRQc2t1TFJRS3RsZE5UcDZ5eGhFRENGbXRoZ2ljdm5nOUVhdzVVOHUtQ3RfZnN5eFVn?oc=5) · Alamosa Valley Courier
- 2026-07-07 [Classifieds July 8, 2026 - The Del Norte Prospector](https://news.google.com/rss/articles/CBMifkFVX3lxTFB4ZU5CWVhZYVktZ2RKV1lINEE3Qml6UFdNYlFRQVRyU0xpQmg3LTkzZ0kxbFJKMXRXb01oenFYanl3S3lZbmxyckNuX21DZUNQRXd5Z0dtV0NSMEtCU1g5d3QyeW12MktVcW9GS2RiTjctaFRVbzRiUW5MLWFkdw?oc=5) · The Del Norte Prospector
- 2026-06-30 [Classifieds July 1, 2026 - mineralcountyminer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9zeDYtOTIxZG4xU2ZPU3Z6cmpYRi15NllybTN6ZnM5dTY0MWhyX2JSLW1UbWNvYl9HbnBXRW9oM3B3b2NHMTFZaTQyeHhMaGMxM01hV3I3X1lmU1FFakNkTGtka0VmNGRybHBiQ0JudFJtXzR6NUFLUkd2VVZtZw?oc=5) · mineralcountyminer.com
- 2025-12-07 [Annual Our Lady of Guadalupe procession celebrates patron saint, Mexican Indigenous cultures - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPa1gtV2xwNnRKd08zbERzOFRhWG53NkNHOTVaZlM0OHZMU1pTNTdpMGFOVkF0Z2pFcmtEWG5ObmtJYjJTQTQxNHNVVVdwdHBKRkM1Q2l4OTZzLWVYQVhmN0xVNWhNcHNySzFFMkhiNVZJbDZVVmJUZXhPSlBZTklBb3FuQXhQc0xBOFlRc19xWmx3YzBNYWRNTWlJYjE4NnlldE5QbFVqSVZfbFJjNWM4di04ZVB5UWp4OUNINUN4bTdxQ29lN0RBWnBzRXVLMkI2RmpuQURoQQ?oc=5) · San Diego Union-Tribune
- 2023-02-10 [Legislature confirms Baker, Valdez to CSU System Board of Governors - Colorado State University News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMjg0c00tNi12OERxVjlvclFvd3JqQm11LWR0enlwdW9aNGNuYjJJalZNREFFLVJTNG5mbk02UXNFbzhrRU0xaXhDYWt6Y3dPQ1pwbGhDbnVUMUJfV1VJUDM5ejJEODFtSENIWTVZellsRHNwTXYtZ2RGXzZwU3RQa1BJbHRpZmd6bm9zVGRuQTYyN2h4RFVKb2NsTDY?oc=5) · Colorado State University News
- 2025-03-30 [With Trump’s immigration crackdown, San Diego’s migrant shelter system shutting its doors - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPOVE2Ul8ydVBUNGZ6VWl0dW12RHhtRGIxS2tESmFIWjNTRDVxdE4wbmwtaWVlWmRKNUhnSDF5Sk14Wnk0UHVXbUZROU14cUhNdFVFSEU3bVhyd2E1YmtHY2NNbkpueXhuUUo3MWVPZTNQQUtpZHh3M28xa3BRd19QTUdnOG9MSlFmMVhVanNZbVBEZ0pjdm9JcDZnR0EzMEo4b1Q4dVI1anJBRXJpMjZsV1dLcllDMFNYclQtT3FXbXJ2SFUybFNYdVdRRW5NUmxE?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65471 (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/63.json (key "65471", 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=65471
- 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