# EDDY
Carlsbad, NM · NCUA charter 9566 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eddy-9566

Who the members are: federal charter, multiple common bond, organized 1954. 4,950 members of 25,000 potential (19.8% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $62.1M |
| Members | 4,950 (3.6% YoY) |
| Full-time staff | 18 |
| Net worth | $11.2M |
| Net worth ratio | 18.1% (p85 of band) |
| ROA (annualized) | 0.70% (p51 of band) |
| Total delinquency | 0.05% (p6 of band) |
| Net charge-offs (annualized) | 1.25% (p93 of band) |
| Loans / shares | 85% (p90 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.58% (p90 of band) |
| Operating expense / assets | 5.33% (p90 of band) |
| Vehicles % of loans | 78% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 78% (p81 of band) |
| Vehicle delinquency | 0.06% (p13 of band) |
| Vehicle NCO | 2.08% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 13% |
| Average share balance | $7,141 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,946 |
| Loans granted, annualized | $23.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 6 | losing money, delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 5 |  | delinquency rising |
| 2017-09 | 4 |  | assets shrinking |
| 2017-12 | 4 | assets shrinking | losing money |
| 2018-03 | 3 |  | charge-offs p90 |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | assets shrinking, delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 3 | net worth falling, margin squeeze | delinquency rising, charge-offs p90 |
| 2020-09 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2020-12 | 2 | charge-offs p90 | delinquency rising |
| 2021-03 | 3 | margin squeeze, members leaving | charge-offs p90 |
| 2021-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 5 | delinquency 2x band, charge-offs p90, repo signal | margin squeeze, members leaving |
| 2022-06 | 3 |  | delinquency rising, delinquency 2x band |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 4 | assets shrinking | delinquency rising |
| 2023-03 | 3 |  | assets shrinking |
| 2023-06 | 3 | assets shrinking | repo signal |
| 2023-09 | 1 |  | charge-offs p90, assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | members leaving |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 1 |  | members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 5 | net worth falling, expense trap, delinquency rising, charge-offs p90 |  |

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

- 2026-08-16 [Eddy County Sheriff's Office investigating after juvenile shot and killed - KRQE](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTTZUc3Nfcm01SlB5Y2RNbE16a0VKRHgyOTJBSDAxdmNrbG10VGY3Sld3a1pmOWtrRHpHNVJic1NQZk1MNTZCeUpCQ29mdzhGSEhLcHgwUW9RYWdBR3dDa2xBMi1nMUVnazk4cUtNQnhHSTBLZEhjVzZPOXMtVXJOUkZGUko5OFJyMU1zT3F5MkpqRDBIbUhyTUNkNGZpMkNUYjZGNnZMM0tkeVZSa0E?oc=5) · KRQE
- 2026-08-15 [Eddy County Sheriff’s Office investigating after juvenile shot and killed - KRQE](https://news.google.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?oc=5) · KRQE
- 2020-08-26 [Eddy Federal Credit Union selects Sharetec for core conversion - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxQUFJzaDUzOV9YcDFQQXdtUFVOM1FhVXJWU3NYWXFyNWZoa05NWWR0cXk2RW1RQUN5U1F1MUMzZ284TUJBOVQzbEhNalZWUGVMY1M4M2JNUkl3LUo0b2lyZkZaSjY4S21EN2ZZY0JoS2lFMVlDUlF0bkpLZVVqSHVEbE9aSkZjMzE0dmFKY2RNV21iQzY0ZExfS1dHR1czQ21sTWszTm5uOEVCQjNLS1RyVg?oc=5) · American Banker
- 2025-10-23 [Eddy County to spend $5.7M on historic courthouse renovations - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVlUzaGlzUTVNcEd4LVppMEIydVprQWxuOU1WZEQxaWFjS3F0OFVGRVlZT24yWGJPdVVPcGdqNDZwNjZVVnJndS16ZU8ybVBwUm4yT1JqNGljRnIteTFCM05YeUJIRWtmU1ZaV0xwc1BMc3J3WVlzbTFXMmNGWU90RE93R2VHbkFXNUZYOFEwNDg2RnB1VFdVRGY1YzctNHoxMkc4UDJJdDQ?oc=5) · The Business Journals
- 2025-10-28 [Eddy County Sheriff’s Office sergeant charged with aggravated DWI - KRQE](https://news.google.com/rss/articles/CBMingFBVV95cUxOeGY2ZWs1XzZDb3BUWUVOVWhQQlFKMHZna2xydHFMZDR3V2taMUZfTnBoUk9PeXVsazZpRUstM0pBbVNlN2txZ3lRWHBieHZ1eWo3NTFpNlg3OVFqT2x2aGtsXzVCV25Eak0yazRvUjhLamZsemFtOU9nWlk2SjVBdjNKVUVJaXZEVG54TGsyT3VNRTc5SXVlaGZhcWxOQdIBowFBVV95cUxPQThmbVhGb0Nka2hEOWhkb2U4RW5NQjl0WER5UThXRjl2aGtlQ2x6VkdlYld5aG1SclJPeGVfNmdfVjgxLU9lSEQyUzdrNUkwMEdITTlGOHUybENSeHU2LWFUdFNNUjBEdXh6X2RvNWpkUWhodVpRY3FydzQ3SjNadEVpV2ttWlNTSGJqcGVTUkg5ZFlZR3BCT1d4dUUwNzFIdi1z?oc=5) · KRQE
- 2024-05-22 [Watch Limp Bizkit, Bones, Eddy Baker, N8NOFACE, Corey Feldman, and Riff Raff Team Up for Hilarious Loserville Tour Promo - Music Talkers](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQUkRGWTBjQlpMRHZIbmtlWjBxX1RBTlQzMWRLX2ZNRFZIQ1JlOHAwbXh3aWgtSHRHSlVmMlJkem1lV0EwZjMtTU5NMVlXRFpYODlPajgtV2ctbmVTMzJDZ0RMaXFuSFZrYTlLMWtTSHBuU05vS3NiQ3FHNVJkRHB5VFRudFZhQ0c3cXZweXNQSUQ2WjZsbS1iZ0FjSDdGVmxGS0JwckFrUkdrREZObU1oRkxtLWxMejJMTEp3cW9ZMlV5cXVGX003ZTlXbHU0bHp1WVNScG00djlIT0FnQVpaN1lzXzNQQjZCTlZLR2hhNllBMGUt?oc=5) · Music Talkers
- 2019-01-16 [Police arrest man in connection with Carlsbad bank robberies - USA Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxPczQtZEpQSnItWG1ZTmstUFZjSHpuNnhFanVzMmMtM3dHR1FGeUtfeEpyZjA4bGFRb0w3N3ljX1dBNlp2SnN3a3FXbm4wdkUzTi15UUpSVHN3ZXgxaHo5cVlmVm5qSURlVGlfRkNJczN2d29NdXFVczRscUVQRklxWFdmUm9UamJ2LTNDVFp1V1FLVHUtMlpXVEs1QW5zcy1NX3Y4dENLRQ?oc=5) · USA Today
- 2010-02-26 [Manuel Cortez Obituary (1930-2010) - Carlsbad, NM - Carlsbad Current-Argus - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRzJHSjVrcG9UanRPeXBfdUZIZzRoTG5WRjFNUzVIaWI1cVNGRUJVSWRVWWxMWHI2NEhYX244V2hEWlBITHBuSHhnaVFreU9UNHBjMjhuT0tZN0QwbDVuYlU1Mld1c1pQM2JxOVh4TUFuXzcxbmNXWUdpam8xZGEwRVp0WWlNRVlkc19QS2lTRXVIcFU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9566 (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/30.json (key "9566", 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=9566
- 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