# QUESTA
Questa, NM · NCUA charter 66252 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/questa-66252

Who the members are: state charter, organized 1959, low-income designated, minority depository institution. 2,098 members of 3,000 potential (69.9% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. 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 | $32.0M |
| Members | 2,098 (-3.2% YoY) |
| Full-time staff | 9 |
| Net worth | $7.2M |
| Net worth ratio | 22.5% (p81 of band) |
| ROA (annualized) | 3.27% (p98 of band) |
| Total delinquency | 2.22% (p80 of band) |
| Net charge-offs (annualized) | 0.01% (p52 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 21.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.47% (p92 of band) |
| Operating expense / assets | 3.70% (p52 of band) |
| Vehicles % of loans | 41% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.05% (p34 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 30% |
| Average share balance | $6,369 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $19,870 |
| Loans granted, annualized | $10.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | delinquency rising | net worth falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | margin squeeze |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 2 |  | margin squeeze |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | members leaving |  |

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

- 2026-01-09 [Jose C. Lovato (I) - The Taos News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaGp0QnZIQ01SRnF5V1RacVdZZlNGU01TMF9lVmQ0WElTaUkyZEFLeDZGLVFxaTVSeVQwamRpYmxSSU5XTkN5enlmZnhPd0c2Y1ZOcXJhaUUxQWt2NUo3eS02UmVCU3BsdW92Z0lXV2tQdlFNSFRUNV9EYWNPU2pET0M2U0lCT2tXU2YtQnhRZlRvTU56?oc=5) · The Taos News
- 2024-11-29 [Michael Gaillour Obituary Aug 24, 2008 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMidkFVX3lxTE9GTTdmeVBWanQ0Nzk5bXVCbWQyY25iRUdxaHg2dFo2azFPOHh3Q09hQ0tBMmVYcmFTN2FSU01tQ2NONk54bTlMbkRsdENna0VESUx5M3RqUGNkTmJrQXpkSTF1SWw0cU9yM3B0U0FGOXIwVmwxdWc?oc=5) · Rivera Family Funerals &amp; Cremations
- 2026-05-29 [Sports top moments - The Taos News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOU1k1NVNtckk1RzlXbVpEeUE2dGtsMFJtVU5UZ2pYWUNOSVZjeGJhWkp3amYzSmRoUGd0RTFURkQ0XzZFd1JvazZTUnRBUGVFZ0FkaTVOcVlkX1pzR09SenBHcVRTNjJrTE43V1VKeDZZMnh2T09tT0tfbVhnNnVLT1VlbG1Eb19DUmVQZ1d6TElPeXNUamFEY1hncUVNa1JiQjRQdnFwZFVKakZRcmtjYms4dG0?oc=5) · The Taos News
- 2022-02-23 [Questa High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMibEFVX3lxTE1uMHNDdTdRb1NMSTd2cUVyVEkwbGdkMG9LdXdTQWdBYzJRMVJ0RTNBYWNmMk9pM01fekI3dEF5cV9pcDN6NHA5QTJaYUNvWGZ3WGxhc0JRbVJ3RktVdm5JMHRtWW1KXzBKWDJSNw?oc=5) · MaxPreps
- 2025-01-08 [Lawrence Ortega Obituary (1948 - 2024) - Taos, NM - Taos News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYjBXc19yLXc4dU1tMDEwUVNjWUFuYjVKZUVCMG9NZGVTTFBISGhZdUFmbTlwZ0dIUFBYdGFtcmh3LWhHS0V0YkFrVnlJbndTeDFfeDZWNU9ZMThkTF9CdWJKbG5id29QbFR6dlFkdTNBS2dJNDlaNUwtNVVEclNibVBzZjVrb3pqU2R6emdvS2s?oc=5) · legacy.com
- 2019-11-24 [Ernest Martinez Obituary Nov 24, 2019 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMidkFVX3lxTFAzLTBwNm9jc0pwWDhmOEVyc3NxTl9WcHN6dDhMX2dwbU1FYnBqV0pXNlN2eGRKMVpLNlFaNmJmUlNhVk5OZ0tZdF9rYmdVSXV2QkxsbS1aSDNFanhkRE1yZGtKVGtlemswcEc1R2MyS2dUZGdNRXc?oc=5) · Rivera Family Funerals &amp; Cremations
- 2022-02-23 [Clayton High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMidkFVX3lxTE5NQW9UVVM2a21OMHNzQTIzOWlVMUpoZnJVMUVPZU1WVzh0OFJpazN3akU0aVh1akd6REJuOHhFa1R4R1A4Zk1vcEZ0TmhJQkpBbVlHTy1JVTVzaVFXeUhWSDRDWG9hS3JqSjhPNDlSUThrRjBiRFE?oc=5) · MaxPreps
- 2010-12-06 [Oralia Gaillour Obituary Dec 5, 2010 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMidEFVX3lxTE9rVTNPQnNqNWFHZGZ5dG11M2hzVkJzN20zeE5UMWtnNWtKTXByc3JSVllNUEp3dVZubXBrUS10VnRMR2t5NHhPbldCRm05NlBjUjdsYVhrODY4WVBxczFWVG12WHA4RlhsTzB1Q1RDYVRhNVJY?oc=5) · Rivera Family Funerals &amp; Cremations

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66252 (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/12.json (key "66252", 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=66252
- 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