# CONCHO VALLEY
San Angelo, TX · NCUA charter 67473 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/concho-valley-67473

Who the members are: state charter, organized 1930, low-income designated. 1,425 members of 6,000 potential (23.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.6M |
| Members | 1,425 (1.1% YoY) |
| Full-time staff | 5 |
| Net worth | $2.9M |
| Net worth ratio | 11.3% (p24 of band) |
| ROA (annualized) | 0.76% (p59 of band) |
| Total delinquency | 0.16% (p29 of band) |
| Net charge-offs (annualized) | 0.10% (p59 of band) |
| Loans / shares | 55% (p46 of band) |
| Cash / assets | 49.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 2.95% (p30 of band) |
| Vehicles % of loans | 36% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 34% |
| Average share balance | $8,367 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $19,275 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | net worth falling, delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | margin squeeze, delinquency rising |  |
| 2020-09 | 1 |  | net worth falling, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 | members leaving | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | thin capital, net worth falling |  |
| 2022-03 | 3 | delinquency rising | margin squeeze, net worth falling |
| 2022-06 | 2 |  | members leaving |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 1 | delinquency rising | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-04-06 [Budweiser Clydesdales coming to San Angelo: What to know - conchovalleyhomepage.com](https://news.google.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?oc=5) · conchovalleyhomepage.com
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - Android Police](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · Android Police
- 2025-10-03 [Teacher of the Week: Coach Kent Sherrill - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNb1lsdEFsRmFCRE9pOXJJWHB3d2hUQ2c5dXQ3bzNqVVRaVkZLNlAwYlZKdDF2R2wtdmRFZXFXYk45aFdvYWJEaWg5N29Ga24wU0NzZzU0ZmRzcFJ1cW1mZWdCZ2c3RkVHVlc3VzhLVER0Vi10TzJZN2VmLVREYjNiOHFVUy1sWW11dWVsZC1mTjZNYXlMYTdtX2VQVVh3Z9IBowFBVV95cUxPT1JBRVZMcHlQcllDNC1mWVlTNDU2d0FPZTdLR3g2WVhWaUVCSk8yMThIY3ZOd0lYci1EM2RpWVJqV1ZqenN4b3BrejBzV0o0dmg5R2dpOGsxQms3NFVCOGRpc2ZHRkxmQlljRlhldGVmLVJkMlNGdTZhVkQ0Um1jdXY5MngzaU42NlpMdHB6SGh2RnJXeXFyRWhLTldsUkhxQk5J?oc=5) · conchovalleyhomepage.com
- 2019-01-26 [Tom Green Co. Fair & Livestock show marks 87th year - gosanangelo.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNOWNaQ2FubUJWdnBQWTJqejJLc3c2dm51cVZ6NFNjUDhZdHdaVUlOb29VQWVyREw0Y2d2T0lkQVE3eDc4T1FUWHk1dDFhMUdLNlE5ZjR0VERsRzFNeWpNWWVBMjA5S2pWdFFlaDFWZHFRc05mZndITkc5WURidl9RTDNxZkE4VExneVluVXlLTVVJd21JQVl4dGF5OUdaOGs5dlpBeFdqbWRJTUItNnFn?oc=5) · gosanangelo.com
- 2021-10-03 [Beverly Roper Obituary (2011) - San Angelo, TX - GoSanAngelo - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZG9ZZFphRjJHUE4waXk0dDE0RVhqVnc5V2lHYnY4NFhKRURKV2xibmwzTXQ0RlRvX1hTdHNkT081V0pkRVk0OWtSUktZcWRja1FoOFl1VDhZRUwyZ1BqRmc2NWp1Y1NzZElOYkNiTjBQekpPMGE0NG5FdkpKRFcyaUk5aTU4SnA5dGhxNm5UaDItdw?oc=5) · Legacy obituary
- 2024-02-16 [Teacher of the week: Bryanna Landers - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUWlUbG44Q3NQY1RnM2pZd3p1WFJvNEp3M2N3MlBNTXpfb3VFdlVFTVdTV181VGt4UVdUeS1EUHRnQ3ZkWkoyLU1DRWVzTi1hakMzYnNXdXZfdTlVcmlQNFQtTElHd1Q2WXlLV29Id3RraGkxUDdnYUN4bEVuOFMyRF9EZWI1anZ1YkNRaUxjZ1ZJcG1pSlVSV9IBngFBVV95cUxQcXRZZ1RUbEg1RE9ZVlFjZmJfX0s1U0VpNTlGaHZIT29rRS1mSWhVRzRFanM4THdnWlFmSUdxNklrdnV0X3VfSWRMN1c1d09WdlZDNXZsYUVyU2FqOHhMNUstVVozbFF6b2ZrcUpZMjZabkh6eHF3QmFfU25rOEZmR3BQRk1BaDFicDBvWjA5VE9FSjB5end6bGU1dEhhUQ?oc=5) · conchovalleyhomepage.com
- 2023-04-07 [KLST Teacher of the Week: Ashley Steele - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSXFvdUE1czhWMmFLaFFGWmdodnpJbUtVVmU3UUxaSl8zZmtCeTJ5bWQ3LVBINmtHYnhoTEVjVG1BUnd6NnRGV1g5UUpPeHBMQWk5MkhPZGNZdlNVc0poazZjLWlaclJkd2dxaW13LV9LOFdZM2NXdm0xTHNfWGU1TnpXbDZRN1NKZ2xXbnhtamFsaTNYZDBabkVZenbSAaIBQVVfeXFMUDhNVy1tSTVJREFMRjZWZm5wdkRGZFJ0dGdnQnlycXctbEVWa29aYkhvSFZkVkY2Y25WNHg0a1JhNVZ5UXVIQzRTVWg1d01Gb2l0M3NlMlFkdURKV3JCVGY0V3EzSy0zRllXbXhHaldyc29pVEstcmhudDBzYUhfY2lmZmk2QkE2OXl0RlBVU25UZElOS0RyTEJxUmNrUVktQkJR?oc=5) · conchovalleyhomepage.com
- 2023-04-07 [HIGHLIGHTS: No. 1 Rams split doubleheader with Dustdevils - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQLTlqYnNGYlpQTml5LVdsenQyVjUwMEo2TEJJdlp2VzR6V0szdnNOb0x5Rm0tZ0xxZTlraEFiaExNeFR0LTBUVFRXR3ppQk1zZ3NEc0h2VG5YcGxjRWVvZEVKWXpneGVqenR5bDJxTkV3YVRiMlFrMjZob2ZQZGw0bnU5bUNTc3QzdmpRWjlVZ09GOEktSEhGSnJ6Rm9fVlVqMEHSAacBQVVfeXFMTXRnNV9Eb2w0SmpoVEZ4UzIxZGw5cVhpVFZLSGhCS21jYXpFMHBNY19rVzZYVlJ5c3ZsNHdCYnZpQmJvWlBmb2lNRW42ZnpOUXBhNEd2MEVFMXpaR1NfZHVtZmR6ZElWSmd2aWZhcXprSFlsMWxIRzNybnRmc09UUTJCSWYtU0w2R1NTZkFfM2NZM3MtMDl2bk03UjFDVE91RnY5akU2eUU?oc=5) · conchovalleyhomepage.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67473 (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/17.json (key "67473", 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=67473
- 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