# CANNON
CLOVIS, NM · NCUA charter 7822 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cannon-7822

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 9,273 members of 27,803 potential (33.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $103.2M |
| Members | 9,273 (2.0% YoY) |
| Full-time staff | 27 |
| Net worth | $13.7M |
| Net worth ratio | 13.2% (p69 of band) |
| ROA (annualized) | 0.77% (p54 of band) |
| Total delinquency | 0.11% (p9 of band) |
| Net charge-offs (annualized) | 1.16% (p91 of band) |
| Loans / shares | 54% (p22 of band) |
| Cash / assets | 46.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.46% (p87 of band) |
| Operating expense / assets | 4.09% (p65 of band) |
| Vehicles % of loans | 83% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 162% (p80 of band) |
| Vehicle delinquency | 0.10% (p13 of band) |
| Vehicle NCO | 1.31% (p82 of band) |
| Repossessed % of vehicle book | 0.13% (p82 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 5% |
| Average share balance | $5,924 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,552 |
| Loans granted, annualized | $14.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (9.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, auto monoline |  |
| 2016-06 | 4 | 3rd-party paper>100% NW |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 7 | delinquency 2x band, repo signal |  |
| 2017-03 | 8 | delinquency rising, charge-offs p90 | repo signal |
| 2017-06 | 8 |  |  |
| 2017-09 | 6 |  | net worth falling, delinquency rising |
| 2017-12 | 6 | repo signal, members leaving | losing money, delinquency 2x band |
| 2018-03 | 6 |  |  |
| 2018-06 | 5 |  | members leaving |
| 2018-09 | 4 |  | repo signal |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | 3rd-party paper>100% NW |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | loan book shrinking | margin squeeze |
| 2022-03 | 2 |  | loan book shrinking |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 | 3rd-party paper>100% NW | delinquency rising |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | thin capital, delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 4 | net worth falling, charge-offs p90 | delinquency rising |

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

- 2026-03-19 [Lawsuit filed after son accused of murder-for-hire plot of Clovis couple - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-03-25 [Lawsuit filed in Clovis murder-for-hire plot - KOAT](https://news.google.com/rss/articles/CBMiigFBVV95cUxPQWlUVXZVUjV3dnVINUFxRjFMX0h2VTdoanh1ZXlHcHNSZV8zQ2dzTTMyN2d2djFydktEWWxtVnZDQWltT1VoWGdUVGlQR3ZyaHhaUE9PWnlsblBRTjRCLV9ERWxCR2VFYndfVXlCVkN1N2lFLS03RjJma3A3b2ZUemtuRGlGd01qRGc?oc=5) · KOAT
- 2024-08-25 [John William Phillips Obituary Aug 25, 2024 - Brooks Funeral Directors of Canyon](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1JV1RmbnpiRXgxbWM2Mkt0UEVSelNMUlZLcjVfbXdVYVlha3pnRnE4S05yVXpaWkJ4VW05b1Q1N2dEdnFSa3VoV2xzUkJ2ajlDQk4xQi1Cd2JtVlJ1YzRjZnFPbXc?oc=5) · Brooks Funeral Directors of Canyon
- 2023-04-27 [Airman found dead outside gym of Cannon Air Force Base - KDBC](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNaWN4Mnpld2ZuaExQaFdoZW1zbjQyR0NnZEVzNUlJWWZ5LWwtYThGekdpNXZ5NDlaVmxqLU5QaEVDMjN1TVVNYWg4djd5V2diUUxrcWl1aE5oSnF0NjEwLXNjUlNGa0JBeDZUcUlnenhfOUdLMlFzTUZvU0RmTHJDZ1pxTkZUM29yd3JzT3JZUElhRUo2di1WbGExR21MRTVsVnh1MkNWeTJNQjBoNjRyVkhLQ3hsZHAyRnF1RWV1Z2FaNVFzQ09hV3kwY0RsTElzS3hBaDdXeEtpOURpVllUTkFoeC1DRDlTSUtUelV1UUYxZUliMmMw?oc=5) · KDBC
- 2021-09-29 [Martha Eaton Obituary (1925 - 2017) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQmdRNXU5WWFqQ1VGR0VMMnBpWHI3M3FaMUo3X2JGRWNyZEdWNlNUbDlMZ0tvNUZ4TzVOeUdYejQ3SFI4X2N6T0NyLWJHYnRvVHd6eEc5VXNIbTdJWXhGTERtM3hvNFF1eC1vOTRBUGZUVi1wbmlfSlRkWHVIX1pxSTBVazcyWHJtZEFIY0c3UjkwdTl6V3RIYjhScEM?oc=5) · legacy.com
- 2024-07-09 [Henry Baskett Obituary (1944 - 2024) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQVlZiVm5qNFdlRG12dkdsWVFiMnA2SDA1REUzam96UzluNlVVX3JTNlI4Zi1pRVA1Ui1pbV9GUS03RV9jTkpvOTdPRUxQVFN0TF9lZ0VZbmVNYTAtVGFld1FITVBLbTdFanJoaGs3allHY0x3MHJrYTJFTWJCVS1IODBSUkoxVWVlb2stekxyajNweXpqblFmTkIteGFDZw?oc=5) · legacy.com
- 2019-04-02 [Russell Muffley Obituary (1947 - 2019) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOTFItdjkxaUQ2VENKVXNJb3hkZGl5WURsanJLMEY2aTlrOUdNMUVtdlNMM082ZFp3TUpkY3pUT0s5NElGM1J0UFV3Mk9teTN0b1NQZDl4dVAxREM4bjZjRFBiSm9KVlVWcmYtOUJPZjcwSzZXRGZyRTZ3aU9EdXJNbTRxNkxpQUNJQ2MwTTVSZ3dPSVFuQ2NFbExteG1YMjA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7822 (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/14.json (key "7822", 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=7822
- 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