# LOCO
ALAMOGORDO, NM · NCUA charter 66117 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/loco-66117

Who the members are: state charter, organized 1953, low-income designated. 4,308 members of 69,711 potential (6.2% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $62.0M |
| Members | 4,308 (-4.3% YoY) |
| Full-time staff | 9 |
| Net worth | $8.1M |
| Net worth ratio | 13.1% (p52 of band) |
| ROA (annualized) | -0.92% (p3 of band) |
| Total delinquency | 1.39% (p84 of band) |
| Net charge-offs (annualized) | 1.63% (p96 of band) |
| Loans / shares | 47% (p24 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p29 of band) |
| Operating expense / assets | 3.37% (p44 of band) |
| Vehicles % of loans | 80% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.45% (p81 of band) |
| Vehicle NCO | 2.50% (p95 of band) |
| Repossessed % of vehicle book | 0.34% (p94 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 31% |
| Average share balance | $5,821 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $9,873 |
| Loans granted, annualized | $7.0M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 5 | delinquency 2x band, delinquency rising, repo signal |  |
| 2017-12 | 2 |  | delinquency 2x band, delinquency rising, repo signal |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 | repo signal | delinquency rising |
| 2019-12 | 3 |  | repo signal |
| 2020-03 | 4 | expense trap |  |
| 2020-06 | 3 | net worth falling | delinquency 2x band, expense trap |
| 2020-09 | 4 | expense trap, delinquency 2x band | net worth falling |
| 2020-12 | 3 | margin squeeze | expense trap, delinquency 2x band |
| 2021-03 | 6 | net worth falling, expense trap, delinquency 2x band |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 6 | delinquency rising | expense trap |
| 2022-03 | 6 |  |  |
| 2022-06 | 5 |  | margin squeeze |
| 2022-09 | 5 | members leaving | net worth falling |
| 2022-12 | 3 |  | delinquency rising, members leaving |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 3 |  | losing money |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 4 | delinquency 2x band, members leaving | assets shrinking |
| 2024-03 | 6 | losing money, assets shrinking |  |
| 2024-06 | 7 | repo signal |  |
| 2024-09 | 7 | delinquency rising | repo signal |
| 2024-12 | 6 | repo signal | members leaving, delinquency rising |
| 2025-03 | 7 | net worth falling, members leaving | assets shrinking |
| 2025-06 | 8 | delinquency rising |  |
| 2025-09 | 6 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 4 |  | repo signal, net worth falling |
| 2026-03 | 5 | delinquency 2x band |  |

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

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- 2021-10-09 [Juanita Morris Obituary (2012) - Alamogordo, NM - Alamogordo Daily News - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa2x2d3F5SXlHaExjcVJjNWRFQngwQkkxcFRfMG1ER09DQkVsUjJyWDFqSi1hSVpSYVRwM2NmT0NwY09VbzZRdkU1TXduXy1xeU1KZ05LREU1Rkd6S00wNFJCSnl2SE5zY0U5QnEwSFpSRjF1QnBSZW11a1NUdmxWbzNvSVlObGNWa2R0OWpmOFJudDd1XzZ3?oc=5) · legacy.com
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- 2018-08-02 [Scholarships continue to roll in for Mescalero students - The Desert Sun](https://news.google.com/rss/articles/CBMivAFBVV95cUxPbEhxQnh2Q1pEbUxWUGx0ZUdmX3p2VUpLbXJJazZwR18xb0RIYUVHOWlTT2ItUldVNl9JTk1qTGtxOHJfdGJtU3I4NlZaYng3S3c5d004V3VIZFVwTFNGZVhhdDFrclVTcEc3NXFqeTdyclE1UUo1ZVkwZGwtY3NkVTc2ZllZd1AzalRhc1RPSS1zLW1PWm1Ral9PVUlLTGlWLUpkaGVsbUFQZEVMTnNBWkJ6VUFUZHBCa182eA?oc=5) · The Desert Sun
- 2021-10-29 [Jane Quigley Obituary (2013) - Alamogordo, NM - Alamogordo Daily News - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3NmajhiaHpFT2gzZnhHVzdBRVVlWXAtT0hJUEhicF9hblk4cTh4MUQxRkUyRWtGeEh4ekw3dVBESWJGcWp0QnNLQURlNzFnRlllcmFfaEVrN2l4Y2FtTjVDTHZUWEx0VjlJWGtwQnR6clB0UHdlVWdIOUl4R2EzUGNoeWdqeTJRMTJQNnVpNW5aWXJt?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66117 (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/5.json (key "66117", 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=66117
- 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