# THE FAMILY FIRST
Great Falls, MT · NCUA charter 11364 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-family-first-11364

Who the members are: federal charter, community charter, organized 1956, low-income designated. 1,689 members of 101,525 potential (1.7% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 48.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.6M |
| Members | 1,689 (-3.8% YoY) |
| Full-time staff | 3 |
| Net worth | $2.0M |
| Net worth ratio | 11.2% (p24 of band) |
| ROA (annualized) | 1.38% (p82 of band) |
| Total delinquency | 4.20% (p91 of band) |
| Net charge-offs (annualized) | -0.02% (p18 of band) |
| Loans / shares | 54% (p45 of band) |
| Cash / assets | 48.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p64 of band) |
| Operating expense / assets | 3.91% (p58 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.35% (p93 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 1.44% (p99 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 1% |
| Average share balance | $4,812 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $10,445 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | repo signal |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | repo signal |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 3 | delinquency 2x band | members leaving, net worth falling |
| 2018-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | assets shrinking, auto monoline |  |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 4 | repo signal, assets shrinking |  |
| 2020-03 | 5 | delinquency 2x band, delinquency rising | assets shrinking |
| 2020-06 | 4 | net worth falling | repo signal, delinquency 2x band |
| 2020-09 | 10 | capital below 7%, margin squeeze, delinquency 2x band, repo signal, loan book shrinking |  |
| 2020-12 | 7 |  | delinquency rising, delinquency 2x band, repo signal |
| 2021-03 | 7 | losing money | auto monoline |
| 2021-06 | 6 |  | loan book shrinking |
| 2021-09 | 4 |  | net worth falling, losing money |
| 2021-12 | 7 | delinquency 2x band, delinquency rising, members leaving |  |
| 2022-03 | 7 | losing money, charge-offs p90, loan book shrinking | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-06 | 5 |  | charge-offs p90, loan book shrinking |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | members leaving, losing money |
| 2023-03 | 4 | auto monoline |  |
| 2023-06 | 2 |  | capital below 7% |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 5 | delinquency 2x band, repo signal |  |
| 2024-03 | 4 | assets shrinking | delinquency 2x band, repo signal |
| 2024-06 | 4 | repo signal | assets shrinking |
| 2024-09 | 2 | assets shrinking | thin capital, delinquency rising, repo signal |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 4 | margin squeeze, delinquency rising | assets shrinking |
| 2025-06 | 4 | assets shrinking | margin squeeze |
| 2025-09 | 5 | members leaving, loan book shrinking | assets shrinking |
| 2025-12 | 2 |  | delinquency rising, members leaving, loan book shrinking |
| 2026-03 | 7 | delinquency rising, repo signal, assets shrinking, members leaving, loan book shrinking |  |

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

- 2009-12-17 [Jason Lee Albritton Sentenced in U.S. District Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFBLVkVNcU05MXNEbW9YLXRiRUNKbE9DVFdOSm1Ka01JMG16N3F5aFNLQ2Jmb3VUMW9Pdm9YLWV4dlBYQnpjZVJmZWtnc0NIZEZvSU1UUXlVUFZ0UGVZMnpqOFZaWnNIa09CTldoa0hrMW0xczBYTlo1QVVVZTBhQQ?oc=5) · Department of Justice (.gov)
- 2024-06-22 [Hill: Get to know Your New Zealand Family and their fresh takes on football - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQaHh0TXVKUDZ0X09CV0ZkM3NIb2pKLTREOVhLYVBfcXJGV1paMDkyYjN6NnMwd1dnTEtjSGg1dHdGTnJyWThUQ3dpZkJSMVZxTXM2RzhoVFhjc2dmOWFLek5DNHpUOVdXWi1PcVpQS2lqaEplY0o0UE5TWTItN1kzcUJ6QW5oVm5EdlM3ZkI2bEZ3ZW0zWWRXaGp1YlBRNkdiTi1OdGt3aVhjQW02eVFBa2ptVXdONnExRkg4WnVUNzBlWFhQLVFuLXIxUlpoU1UxLU9LcFZzaXd0YTl2TkE?oc=5) · Las Vegas Review-Journal
- 2025-12-06 [Bernice Eleanor "DiLeo" Caruso Obituary (1932 - 2025) - Rome, NY - WKTV - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNM1BkUHR4R2tzajQtTnYwOFZOOGxfcmtUajVSQ0F6TlVfN2ZKRDRmbXNHbk1fN0ZmdGppRTNvYWxyRXg0V0Vhbk9reUY2Ukxza2liRDJIaUhfd3lGbzJyZlhXamwtMWFZcVFMUUV3bkl6VG05Uk9vVDZMdy1OZHJRY0ZzU0JaS0xTalE?oc=5) · legacy.com
- 2009-09-25 [Tributes for Sept. 25 - Greeley Tribune](https://news.google.com/rss/articles/CBMic0FVX3lxTE5ySS03b2paS2llWmNpdlZMdWVsbERKblRDcThZRV9RUDJLdURWQVlJUXBpb0I2YmQzc0RKbnpkUzFwSzdEMnlQZ29Ka2ZGSk94eTRCSnhoamlXMzVFZHFRLU0zQ0d5eGxxWU9VaEtaY181d1k?oc=5) · Greeley Tribune
- 2025-11-08 [Millions of US citizens to receive stimulus payment before Thanksgiving 2025: Check amount, date, eligibil - economictimes.com](https://news.google.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?oc=5) · economictimes.com
- 2021-10-16 [James Kessler Obituary (2008) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWmpHUmxWV0wwU1JnMWlMSjN0NHFiUnpyOWEyNDhLUF9GM0xENlBVbHlXYWl3OEJfX3dBYlJyWldENF82WE1Fc1dGeWFMRzQ3TmljQzlrNTRQdFd3a2x5STBzSHFPQ0g2ZWRtS2pERXltQU9qaGVsZXdsUE9BZnVhc3RWLWhEaHhVdUoyRU9QUXlXZHF0YnBVXzBn?oc=5) · legacy.com
- 2018-09-03 [Commonwealth Bank closing its doors at Portland, Blackheath - Lithgow Mercury](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPLVlOM3h2OEthbS1yUUhCVHo2Q0lFVG5rZWU3b3dENzRkUmVIdHV6T2Z1LUI2YTd5NkN5Z180YW1rQ053RGVUc0lVNUp2SWh0WXVjckVOS2sxM18yQ1BvRFNvai11T21yakJJaUszZ1RYMERBcjgwZXRqb1oxa2xXMk1CYjd1NHdHM09VME83ZmNRNGo5MzVjMGJESkR6MF9WVDNGSGRoMHhOa28?oc=5) · Lithgow Mercury
- 2022-08-12 [Paul Jerome Jacobs Jr. - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mcGMxeUhQNlNPenFqQkFlek9CTVcyUElxT016VVZZNDlrYVhmVTdHaE5EQlIxSjBiN1JJWVd6R1loV2lsd0VzcTE0ZllPcUVlSjlhS0d2cmpQZXpSOGdBQWc1bWpNMXp5Q0NLVGNKWlZvMGRRREJLSFRVT05lRms?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11364 (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/36.json (key "11364", 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=11364
- 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