# GUADALUPE
Santa Fe, NM · NCUA charter 66149 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/guadalupe-66149

Who the members are: state charter, organized 1948, low-income designated, minority depository institution. 31,561 members of 256,936 potential (12.3% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $348.6M |
| Members | 31,561 (4.8% YoY) |
| Full-time staff | 107 |
| Net worth | $42.4M |
| Net worth ratio | 12.2% (p63 of band) |
| ROA (annualized) | 0.69% (p50 of band) |
| Total delinquency | 1.35% (p89 of band) |
| Net charge-offs (annualized) | 0.64% (p74 of band) |
| Loans / shares | 69% (p41 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.72% (p97 of band) |
| Operating expense / assets | 5.32% (p97 of band) |
| Vehicles % of loans | 41% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.88% (p70 of band) |
| Vehicle NCO | 0.78% (p59 of band) |
| Repossessed % of vehicle book | 0.23% (p86 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 28% |
| Average share balance | $4,053 |
| Participations bought / yr | $14,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $63,959 |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $12,604 |
| Loans granted, annualized | $76.0M |

## Participation posture (from the same filings)

Bought $14,000 and sold $0 in the latest annualized quarter; $63,959 outstanding purchased (0.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.1% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, repo signal |  |
| 2016-06 | 2 | delinquency 2x band | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 3 | delinquency rising | repo signal |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-06 | 3 | delinquency 2x band |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | delinquency rising, charge-offs p90 | margin squeeze |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency 2x band |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | net worth falling, delinquency 2x band |  |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency 2x band |  |

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

- 2026-08-18 [NM Credit Union Foundation announces new board members - rdrnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOd3BCVnlhdzFiaE43U2ltLTdGcDk1Zlg4WWZNbU42TktWLWpiSDdRYXMtMVR5ZzRldTE1bUozXzc5ZG1rX2VnOU4waDJyMmc2YUJYRHJVOEJSZjEzZ1o4TU5ZaXduY18xb1RpVTA5SFlxYnRtcloxVDZIUFBQdFlSb2NRZDZGQXBwRnB1NHhJNjJBMS1DbG9BQ0JZRFBtenpEeFNLc2lqeTd0ZWVMUjZ0a2YtUEdsd0toX1dlaFk2ak9aYWhNXzFtRi13bExSUEZ0QUJ1TEJR?oc=5) · rdrnews.com
- 2026-06-18 [U.S. Eagle Federal Credit Union makes Forbes' top credit union list for seventh time - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUndONkpwdEJvT2hSX0hVdzF0b28yYVpJdTd0aUlveW15VU1rRnlVZlBFRGF2Q2tEdUJPb0FySV9wd0hqVm9ZdWR5LVBrVVU5SXpKamJBaW94SXl2ajJLbHhNZDlvekxzUDB6TVJCWlZlcWhGN0hmTWN3WS1zSGt2RWdxYm5QdnVYaHI2UjRzeXhKZ1VEbzFBYWstX3JGWVl4?oc=5) · The Business Journals
- 2024-03-25 [Guadalupe Credit Union celebrates groundbreaking of new Española Branch - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxQTTQxdGlaMDYxZnlCNXJDdzJZRXhJRlZ1WGxGTDY5YXRKZmpEOUZBYnZLRWE5ZnVuRlczNVR0WEVDQ1ktOVoyeDFsSVZuWm9DZ1pSdmwtellhT3RfVGFDZXZhOG5BeXNhWlZCOU01YWoybk5zZ1FqNW1LMU9UU2xIM0Naa2xBcDJPQ1gtTHJ1V2F2ODg2NEtUQkNjSlUwYlllZktRUlBCWTFXWmJCcEJOdUxR?oc=5) · CUInsight
- 2024-11-19 [New Mexico Supreme Court Finds Credit Union’s Employees Engaged in the Unlicensed Practice of Law - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOZVcwMFVfMVBSRlFvM0dwVjQ2VElzTGk4Vk9TTjVXd1FXQ21QclJabW5JczNxVFBJU0otckNhZWRKR2tvZXBaeDZvQWgySHBCaHJDMmRtS3RsdnUwdDVzN0plRkxQQ2lNV0NreFhLa3lsWnhiY2c3a2h6bFc4TEtWb3I5TGZwZDRlbFNOVy03MWxUR0NodWtmcUp6bkxMa1gwNG91S1FEdEFYVWFIc3BSck1tZDRRRXMzN01XaURkYk5ZVzE0TFdSUnNqb3VmdjB5QlFOdFhrMVNZVlBxT3ZKQjVDTmFabzlDSVVvalRR?oc=5) · Consumer Financial Services Law Monitor
- 2021-02-15 [Guadalupe Credit Union Empowers New Mexico Communities Through Volunteering and Multicultural Financial Literacy Programs - CardRates.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxORmhoUUpNRF9ZYnhGdnZieDEycXJuVmlXZnpGVkZsUFdXa0pTLU5GWHVReHNWaFk4ZXh4emNjdG5hWTlOZ3k4dlQyZzNTUHQ3MElrazVKa25sLWREcFdUMzlLXzllRUJKRWlhYU82em1tdzQ5aE5JY2JNZnhEQVRhMXFfSVFybnIwRFQ1dTNwRQ?oc=5) · CardRates.com
- 2024-12-21 [Lloyd Quintana Obituary Jan 4, 2023 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMickFVX3lxTE5YbXpqbm80bXg3OGdNZXZSaFBKZTJuWHZuN283SzdmVGlpQUI3N2hGcWExQnJJeDdZVVROd2ZNWkg1eEk2a3JpcTNSb0tXUndXUDd3ZXNqU0xSQWU1WFZEaVdDZ2UwN2xQZzBsbWlrOG5nQQ?oc=5) · Rivera Family Funerals & Cremations
- 2021-09-23 [Guadalupe Credit Union expected to open in late October - lasvegasoptic.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNdkxrTE9hM3ZOYVpmd3dtSGh4XzVmaWRNZ1pUWExKNGg2WW5qTkZVYUdTaHFZN3NPU3hXY0YxVjFLTEdROWItR2hKQWdZNnNIMy1sUlR0Wm5SZGxuUmRIMm51bGhmWGJ6RlZ3WEZLNFlrNmtiOUNRTFE1am5vdmR5WWdDQ2tFaU5sWTBmcXp3cUJrbDhZSHhyM3V3eHdraHFPdEZjSUxkNkZZSS1SRnRaNVhnbVR2U0lkMXJhQ2MyR0pXbXNmczBsS0RCUnd2SlFVcTF2ZEI1ZkdldFR5Mzc0NUdqSQ?oc=5) · lasvegasoptic.com
- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66149 (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/37.json (key "66149", 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=66149
- 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