# KOOTENAI VALLEY
Libby, MT · NCUA charter 11330 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kootenai-valley-11330

Who the members are: federal charter, community charter, organized 1956, low-income designated. 1,539 members of 5,000 potential (30.8% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 31.

**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 | $4.7M |
| Members | 1,539 (-0.9% YoY) |
| Full-time staff | 3 |
| Net worth | $467,672 |
| Net worth ratio | 9.9% (p24 of band) |
| ROA (annualized) | 0.67% (p69 of band) |
| Total delinquency | 1.39% (p64 of band) |
| Net charge-offs (annualized) | 0.37% (p59 of band) |
| Loans / shares | 69% (p60 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.81% (p89 of band) |
| Operating expense / assets | 4.71% (p79 of band) |
| Vehicles % of loans | 70% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.09% (p63 of band) |
| Vehicle NCO | 0.35% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 5% |
| Average share balance | $1,940 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $6,030 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band, repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 6 | thin capital, net worth falling, margin squeeze, delinquency rising |  |
| 2017-09 | 4 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 5 | delinquency 2x band, delinquency rising | net worth falling |
| 2018-03 | 2 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 | assets shrinking | thin capital |

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

- 2008-11-07 [Robert Nicholls Obituary Nov 7, 2008 - Altogether Funeral](https://news.google.com/rss/articles/CBMiyAFBVV95cUxON3c5SGZZRWlzQ2NDQzRPenZMbXAtbVlFVE1ITUVqdng3emNxMUR2LUlvV2l6MlpDYkZZQWgzZGNqTVZCNTBWM3gtWjV2N1lMLXpPdmJKcWZTWTJGUjBJeWp0QndMVFd1Q1Q2T25wV3hPZXA4TWJWME5nV25VNkZMaGs1WHZ0dlhqX29ZWjYwcWNnYlNsNGtNX01yNHgtWk5LUUloN3pwSEpmV1M0Y2tEUkU2Slh6UzNBYVYtWGRMTnIyVVR4WjdtZg?oc=5) · Altogether Funeral
- 2015-07-10 [Oscar Eriandson - Western News](https://news.google.com/rss/articles/CBMicEFVX3lxTE5rR004MURIZEFlS1gzemVrck9keDhjOGx1NFlBd2R0X1lzN0dFSTViYS1QenZ4aHhWdGw5WS1CZVVYM2JtVUpwblFaN2JTSDVhcjZCenFobGE3YzlUbklHa2R1eVpaaG9qaFdlNk9kVG8?oc=5) · Western News
- 2012-09-18 [Nordicfest Parade & Runnerfell Results - Western News](https://news.google.com/rss/articles/CBMijAFBVV95cUxNLVh6RzljX1I5ZUtmWmJkaW5EU0s5MklNeTE5RjZrUG9MenNHOENfVnVUOW5qQTRsMHQ4RTdWN3JkNGVxT1lNZHNtalB2N2RTbGdlRGhwa0xUWDZhOXNabHpDMjNmY0NieG1zaVVhRGtvWEFmU042eEJySEdYeno0bnF2WXFuT1lqM1AtMA?oc=5) · Western News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11330 (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/2.json (key "11330", 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=11330
- 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