# SANTA FE
Amarillo, TX · NCUA charter 9971 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-fe-9971

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 14,370 members of 35,925 potential (40.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $221.7M |
| Members | 14,370 (10.9% YoY) |
| Full-time staff | 61 |
| Net worth | $27.9M |
| Net worth ratio | 12.6% (p68 of band) |
| ROA (annualized) | 0.71% (p52 of band) |
| Total delinquency | 0.59% (p49 of band) |
| Net charge-offs (annualized) | 0.90% (p85 of band) |
| Loans / shares | 72% (p45 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p37 of band) |
| Operating expense / assets | 3.87% (p58 of band) |
| Vehicles % of loans | 71% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 137% (p68 of band) |
| Vehicle delinquency | 0.60% (p53 of band) |
| Vehicle NCO | 1.31% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 45% |
| Average share balance | $8,181 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $22.7M |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $12,594 |
| Loans granted, annualized | $109.3M |

## Participation posture (from the same filings)

Bought $2.9M and sold $0 in the latest annualized quarter; $22.7M outstanding purchased (81.4% of net worth), $1.6M sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 8.0% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-06-15 [U.S. Eagle Federal Credit Union honored by nonprofit for family-friendly policies - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMiigJBVV95cUxQT2VsaUZaUE5jdEw1a0JvM3dIY2NOcnQxbTdnRWw1bmg3WmJMUnc4eTI3ejNaX2xERXBJMXZ5V251RlpsVzVkNXFpR0U0Mnl4M1psZHF4Y0pRUjk0cG5aZmI1clRPM3B1MU9kdjYtc1NmU0lVSWE0c0dqVU5jTUtpTDA4eExlX1NoUzJocTJrNkR5YmVzcmVoUXJvZnNuYS05Z0FReWlZbTh1RGVwVjRnenZBckk1cmRGLWtiSjg5X2Zld2trUm9Sa2FYMHMzRE9FUnM2ekpwVGhIV3hrdW5DMFV6RU1GLUxvbVF2ZmthOHdaTXJJSldhNmhCT3pHS3J1VU56clhDcFIxdw?oc=5) · Santa Fe New Mexican
- 2026-06-01 [Man accused of obtaining nearly $69K in fraudulent loans from Amarillo banks - KVII](https://news.google.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?oc=5) · KVII
- 2026-08-22 [Sante Fe woman stole from the aged and the dead, police allege - galvnews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQai1fdU5fZkNHZzNKSGRsWTVXVWxodXd2V3pDbjZHQlN0ams4NjExbUJRZVVVSUpJdzE1M0JXNElPRXRuSFUwRDlaZG4tTnVsYXRyY0FUX2Nta002eUxLcTM5UUhpVUQyQW9Jd0FuXzhPVF9hb1FXVlVCQTYzOThEOF9ULTFHMnFBMDkwbzNPZ1NhQ28yUFhFNEdWVnZmRkhldkFVMkprOU1SSFo0Z1JVeGw2cDNINkE3Z04yWWR1WUMxbHFvVW9Jcm12RDA5TzhWWUY4UnRscmlUWFhpdlZVTkdtM2tNcnJh?oc=5) · galvnews.com
- 2026-06-01 [Henry Harold Swafford Obituary September 29, 2015 - Cox-Rowley Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFA5UzRnd2hCSTlQMzI5VkhaNF9JbWhvcDZEV0M3Y0RZdGZndXdCVllQSFoyMWN5Sk5GMmhXZ0YycDdoVUdrbDVDOXRBb09iM09QTGhNMFhJNnltdjhhcWhMc2hUTXNkYTlaaVdIS3lSZw?oc=5) · Cox-Rowley Funeral Home
- 2026-06-29 ['Forbes' list of best-in-state credit unions includes two in Santa Fe, three in Albuquerque - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMihAJBVV95cUxNeFNMdGZnQ0dpWG1TZWxQX2Ntb3prWDhRRjVQMF9HZ1NFSnY4SkFwWlRjSy1leS1FZG8xdG15bzNZWFdfYmpWUnN4dUZKYjQ1X3Y2VUxFUGpQSEhGSlFFN1FTSXFaNnI3ZjdkbU9ZNUhjQXhhRlZlY18xcFZvbERDbEhPRDEzYTd4N2ttNGVqMGkwNGN4djlRNWdFTmIyRkdwQzd3STFrY0hPQmVqRS1XWmFoMXNIOHVGcVJUUVFYa3hfNF80Q1JmTTBhUVlfeDA3VzBPamgtem8tcy0wcUp4REdiUDQ0N3lZeUdxSUFPRGtWVGNIZ2ZTaG5oRy1rN1dzb3k4Tg?oc=5) · Santa Fe New Mexican
- 2026-06-26 [Ann Connorty Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Hd3l4VFNmN3BnX0NPS0dmRlVPakd3dkRCSE5HMVdpZkMtNmtHaXBuNEpFOVNSMUZLbGE2cnJjYVpnQWVGVmtEN21DM2hUZzM2dFU5bzg4bFh1QThSTmRmVWVqazJMNVREdjh3TnFIc1FSQU1EZDYtVE1aSkpkNjg?oc=5) · Dignity Memorial
- 2026-04-08 [Federal regulators bar former La Marque credit union employee from banking industry - galvnews.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNa2xtQlc1SzZJaWtoUnBmRVozdmV0Y0RIckl6QzdCUWcwaEFWMlNnaVBpRkV1VGZadnhZU3d3SXRRZ3hoUDRCX2Z1TlA2LWM1ajdrYmNZY0FITFZkQmFkTVVIUW11S096LUsyWUVTUjRJamJzcWk1dUFsMVBvd0NJeG9mVFhQSjZENlBxOWl0WmttbC13ZU9iNU1LLV9SUlJOMmV5Z2pCY18xOElvenRLN3E1VE1najM3b3RTRGx0UFNBV1p1R0c1RFBpYnZITi1tdF81eDUzb2ZIdHJJSmVTLWJhcFRHcDBVSXM2MkVLYjVIRUVZSWc?oc=5) · galvnews.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9971 (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/51.json (key "9971", 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=9971
- 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