# GOLDEN EAGLE
TULSA, OK · NCUA charter 9817 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/golden-eagle-9817

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 2,560 members of 12,000 potential (21.3% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.7M |
| Members | 2,560 (-8.1% YoY) |
| Full-time staff | 5 |
| Net worth | $2.0M |
| Net worth ratio | 12.2% (p46 of band) |
| ROA (annualized) | -0.35% (p15 of band) |
| Total delinquency | 2.28% (p80 of band) |
| Net charge-offs (annualized) | 0.07% (p43 of band) |
| Loans / shares | 52% (p46 of band) |
| Cash / assets | 21.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p54 of band) |
| Operating expense / assets | 5.00% (p88 of band) |
| Vehicles % of loans | 71% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.93% (p88 of band) |
| Vehicle NCO | 0.01% (p58 of band) |
| Repossessed % of vehicle book | 0.89% (p98 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 19% |
| Average share balance | $4,288 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,450 |
| Loans granted, annualized | $3.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2016-04-20 [Fi Davis announces his candidacy for the Fifth Osage Nation Congress - Osage News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQXNkUUtsOG5ER2JuOTh4XzdadkdLc2pkYWwxYVJDWVJGQ2lMM3dfQlhqbk0zYl9IOVZ0Smo2aU92b05PZXlsazZheUR3cDNjUkZQcGs2YnF2OWVoV1h5aFhzZHdvd3J5enZZbktlQUg0QUV0WFBlSDVfTlhBZ1RzN3h6WEhaTUswRVdRQ1ZJQlE5c0FXN1HSAZYBQVVfeXFMUEFzZFFLbDhuREdibjk4eF83WnZHS3NqZGFsMWFSQ1lSRkNpTDN3X0JYam5NM2JfSDlWdEpqNmlPdm9OT2V5bGs2YXlEd3AzY1JGUHBrNmJxdjllaFdYeWhYc2R3b3dyeXp2WW5LZUFINEFFdFhQZUg1X05YQWdUczd4elhIWk1LMEVXUUNWSUJROXNBVzdR?oc=5) · Osage News
- 2022-08-19 [Lewis and Clark announces record number of scholarship recipients - Illinois Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUmlTdGJlLVN0bGhnWE16M2xGcG9HVGlLSElUeFJfYnJ0R0tWWE1ISWh4QUhxNVJScVphUEpMNHVya0k5N2l4V056VjBxeHV0M3hvTlBHUFNZVm5HSWhPMUhkQXhJQ0UtZGxPN0dFLVpnNE1rYldISGFYeGVaNGlkbWVzdTVTR2hjN2pnUXczSTQ3dTQza0U2bHIyRVJMWm9JZEJtdlV3?oc=5) · Illinois Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9817 (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/25.json (key "9817", 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=9817
- 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