# ANIMAS
FARMINGTON, NM · NCUA charter 66142 · asset band $100-200M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/animas-66142

Who the members are: state charter, organized 1956, low-income designated. 13,711 members of 123,958 potential (11.1% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $165.4M |
| Members | 13,711 (1.8% YoY) |
| Full-time staff | 36 |
| Net worth | $16.4M |
| Net worth ratio | 9.9% (p55 of band) |
| ROA (annualized) | 0.92% (p78 of band) |
| Total delinquency | 1.32% (p93 of band) |
| Net charge-offs (annualized) | 0.17% (p61 of band) |
| Loans / shares | 50% (p27 of band) |
| Cash / assets | 37.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.05% (p20 of band) |
| Operating expense / assets | 2.18% (p15 of band) |
| Vehicles % of loans | 52% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 121% (p76 of band) |
| Vehicle delinquency | 0.37% (p66 of band) |
| Vehicle NCO | 0.31% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 64% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 6% |
| Average share balance | $5,944 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,568 |
| Loans granted, annualized | $31.1M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 1 |  | delinquency 2x band |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 3 | losing money |  |
| 2017-12 | 1 |  | delinquency rising, losing money |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, charge-offs p90 |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | 3rd-party paper>100% NW |
| 2021-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW | delinquency rising |
| 2021-06 | 3 |  |  |

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

- 2025-10-14 [Elida High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE44Q2k3dEc3RUFOYkVwOEFOYjJ6Z3hzcGJZNWp6TGMwUWdlWjBXbWFTZWY3eEdzOF9RYzBwYU14TE54eFh5a0YteXduTG8zeFB1UC1sN2poUTNHS1RrMXBXS2FOanc4YU0?oc=5) · MaxPreps
- 2025-04-23 [Betty Lee Porch Obituary (2025) - Belen, NM - Noblin Funeral Service of Belen - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFA1cHUyNS13UWxocHpGcm9kRXlEem02bXBWakNOcWF2aHNwXzh5MFhoWUg0XzFPd0poWTNfQlB1SmlKbTY1QUQxUXZJUy1TX05DNXdCWmhNbXdhYWxGM0lBbENXUkRYQUVSQ1NTNnlvNGtfZ2pSaDNMcGk1S1JJN3c?oc=5) · legacy.com
- 2022-01-19 [Lewis Galloway Obituary - El Paso, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcFdMTzE5ZmtxX2Jpb0lrRzVOa3pTdUVSTExUMWdEdzdpSzhEQmFjYzJnYjBDSTFtSGg2ZXhaRGhCdDVRdV9oVFJESW8wbkw1Z2M2cUNPVldqMlJlQ3J0THF6YVJaQjc1ay1BY2JtMnVCZk1paDVVWGdRZUJtSTlzYlJ0RQ?oc=5) · Dignity Memorial
- 2022-02-23 [Animas High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMibEFVX3lxTE43VEdRVWltZTFHZXhFcDNqZHlvelU3czVCZ1F4bEtaRDV2ZGIwNzZybDlkRF91cGZscWpVNGRwcmdtMGdMcEhQbjhVVUI5WlZHOUtiWGhIWVZlQ1daWFpVeVVpa2RIczBSbGhIRQ?oc=5) · MaxPreps
- 2021-10-05 [David Chokie-Watson Obituary (1979 - 2016) - Bloomfield, NM - Farmington Daily Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQcF8zTi0ySlRZcThnV0dTeTFfVEJFd1VlLVlmbDlBcXZXWlFwcHhUeWVuVFVTeXZGT2JCVVVoSFUzQU93RTlMZzRzenVybktiZkljWGFMOEdsZnNqOXMxZXRmMzlLSjlrT0lMZVhoc3FNTHUzbmZ2U1ZhRDZPUlFOMFJXdGxKdUh2cUhaWkxIeWctU1U0OWh0X2tn?oc=5) · legacy.com
- 2022-02-23 [Logan High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMia0FVX3lxTE5NekpJZTlkcEY2WC1mNzJCekxYcG1xQ2xVVmtmVS05Si1wUHdmal9SNVBQYndxcFdZclNRVWswMmpGTXFpZHBYS0Z6Qko1RTVlSDJjMTJCbGc4TmpBY3N6TGNVNFdTaUZvb1lV?oc=5) · MaxPreps
- 2021-11-20 [Patricia Suzanne Edwards Obituary (2021) - Farmington, NM - Farmington Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTWpxMG0zQ2pXVEt3U180dGJoWTk2dmlDSWdrSENaQjJDVVUyVE1qTnRpejFWODNySjFXWWFqdHhzRXFnQTVvblg5eWpLVnJucTNfYjNBZEMyY3hteGpLellKbFpLUDYzVDhaSEkzWndSNFlMZk9iaDZIaTRod2hyNk51NGJsUQ?oc=5) · legacy.com
- 2014-07-01 [Frederick Christensen Obituary (1980 - 2014) - Farmington, NM - Farmington Daily Times - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNd1BaYnhZczQ1UFZTTGxlRDVOS2JnN1RwS2RxN1JpUldQNVdUMlR2Mm93VkJERGxtSjhFZ18yYWhIMk9RM2U2QnpKdFZGTHhwRWMxaXNIUW1SWEg3aXNKemU5S0sydEg2ekViNDFqbnpURWsycjVITEh0ZUcxcjdKSkV1NHNtWGdLMWpaWmtOMkttTVl4cnc4cXJUa1I?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66142 (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/30.json (key "66142", 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=66142
- 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