# ROSWELL COMMUNITY
Roswell, NM · NCUA charter 9093 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/roswell-community-9093

Who the members are: federal charter, community charter, organized 1953, low-income designated. 3,550 members of 50,000 potential (7.1% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *quiet fade*. 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 | $50.4M |
| Members | 3,550 (-4.5% YoY) |
| Full-time staff | 8 |
| Net worth | $8.1M |
| Net worth ratio | 16.2% (p77 of band) |
| ROA (annualized) | 2.71% (p99 of band) |
| Total delinquency | 0.53% (p44 of band) |
| Net charge-offs (annualized) | -0.10% (p5 of band) |
| Loans / shares | 87% (p93 of band) |
| Cash / assets | 23.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.29% (p83 of band) |
| Operating expense / assets | 2.55% (p16 of band) |
| Vehicles % of loans | 55% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 69% (p79 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 32% |
| Average share balance | $7,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,859 |
| Loans granted, annualized | $14.0M |

## Flags firing in the latest filing

- **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, members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 | delinquency rising | members leaving |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 0 |  | delinquency rising, members leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 4 | auto monoline |  |
| 2021-09 | 3 |  | auto monoline |
| 2021-12 | 2 | auto monoline | net worth falling, margin squeeze |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | net worth falling | delinquency rising |
| 2022-12 | 3 | loans>95% of shares | net worth falling |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | auto monoline |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | loans>95% of shares |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 1 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | members leaving |  |

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

- 2026-08-18 [NM Credit Union Foundation announces new board members - Roswell Daily Record](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOd3BCVnlhdzFiaE43U2ltLTdGcDk1Zlg4WWZNbU42TktWLWpiSDdRYXMtMVR5ZzRldTE1bUozXzc5ZG1rX2VnOU4waDJyMmc2YUJYRHJVOEJSZjEzZ1o4TU5ZaXduY18xb1RpVTA5SFlxYnRtcloxVDZIUFBQdFlSb2NRZDZGQXBwRnB1NHhJNjJBMS1DbG9BQ0JZRFBtenpEeFNLc2lqeTd0ZWVMUjZ0a2YtUEdsd0toX1dlaFk2ak9aYWhNXzFtRi13bExSUEZ0QUJ1TEJR?oc=5) · Roswell Daily Record
- 2026-02-26 [Behind the Industry's New Push to Elevate Small Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeWcxTkJMNGtMWWY1NHdnLTVMb2NUcnZicGZidjBZZ3NFeEF5b1pKRGhaS2FLRkhZYlgxdTBYMzhFaUt2aW1hU0puUExqa2Fzd2VWajRWN1BrTURNTk00bURzcDA5dWNGcjNkX2lsSld5X3dTMXRCcHZDTDZ6dW5IWkl2dFppR193NndJN2FydlhzZl9ob2hUUkhaZjI?oc=5) · CUTimes
- 2017-04-19 [Roswell Federal Credit Union – A Financial Cooperative - Roswell Daily Record](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOWnJ2SHZnUndHVjk4c0VTNDBHbnJZdC1wVHk4bE4tcVZ0aWJmTFc0d0JMdVZXc2JYNk9CcVJ5eTYyUTAzMzhYWHJuWW5mTW5MSFh1SkIyajVlOW0tYlJxbXhrOVFpWS1EZnBDekIybXUzYnUtMGtBdmYxcXc2eWNQbmNNWFF0M2JoVGJIaWlxbjY3SUVXS3NhQmxIYjhsdU5KYmlTZzdZSzdEenNNdDM2Vk1RMl9tU0Q5V2ZlY3M4UlBiVFMzY2RWOFJBVi1ZaHpDcU1jQW5DR0d6dkp4RFpYcnVlZjh6ekE?oc=5) · Roswell Daily Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9093 (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/5.json (key "9093", 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=9093
- 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