# GRANTSVILLE
Grantsville, UT · NCUA charter 12840 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/grantsville-12840

Who the members are: federal charter, community charter, organized 1959, low-income designated. 1,430 members of 58,218 potential (2.5% of the field); checking penetration 18% (share draft accounts per 100 members); loans per 100 members 19.

**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 | $4.2M |
| Members | 1,430 (– YoY) |
| Full-time staff | 3 |
| Net worth | $282,632 |
| Net worth ratio | 6.7% (p3 of band) |
| ROA (annualized) | -1.40% (p6 of band) |
| Total delinquency | 0.91% (p53 of band) |
| Net charge-offs (annualized) | -0.46% (p4 of band) |
| Loans / shares | 30% (p14 of band) |
| Cash / assets | 23.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p24 of band) |
| Operating expense / assets | 4.44% (p77 of band) |
| Vehicles % of loans | 66% (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 | 1.23% (p69 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 24% |
| Average share balance | $2,576 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $4,421 |
| Loans granted, annualized | $406,300 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, auto monoline |  |

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

- 2026-04-14 [Jaelin Woodruff Obituary Oct 17, 2013 - McMillan Mortuary](https://news.google.com/rss/articles/CBMia0FVX3lxTE9YR2J3VHFLVklXZWlmRHdla2lhQzJHdnNiNGJDa0ZoLW5pdUM2bm1yNkpJeGdFaF9SUFZSQ0w0cWdLT18zcnltUlJkaU5ZajQyTDhwaW5zWWQ2WUltX1JrTWdpN3l5T2ZjZkRj?oc=5) · McMillan Mortuary
- 2026-03-17 [WATCH - KSL Sports](https://news.google.com/rss/articles/CBMizAFBVV95cUxQNlpoakkwdmtaVms0YklsbHVoS2Z2dXBJUWZGZmR5Q2tweHRSYlFUbWphbEczb3RrWFQwdzhNMW5TcFYzMGo1T1JZTF9xYTlUMGdfUVduZlJLRTR5UTFGcVZFZWp1X29ERkF5NVdGNmVPamFzTlVRVW1sc0diVXFJS1lWMldZNmQ1Rk1UNDd4U1Q3bnBNMVNNVjl0Nkh5WlpJRnMwUG5TeHAxT0R1SDQtWENTNFN3TG9oZ0pMbGVoSUt0Y2F2a2R4blBnSzI?oc=5) · KSL Sports
- 2014-10-27 [Senior Quarterback Craig Harrison Named America First Credit Union Utah State Student-Athlete of the Week - Utah State University Athletics](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQMzlFbkxwbUVNMGZGenRKQmFFWndMVTB2WTkwbm1YR2s2YS0tRzJuRUJteXhrMk45NFB6ZEpxTEhKQ2h3Z0E1NERQVnBxZ1p5X1lWWWNwU0RlWU1TbHNjd0FGRUFScTlleEtkN0Q1cjY3WHpKZjlOcUkwZlFOOHBfUmtZaG9VNXdKekUwOWp0eDdrc3REQ2o4cGpqejNaQkJhWlJyUzFMMDM4TG1hUU9pV2xQSEJxNXVvUC1ZdllpSFpWQ1N5d2NGWFprdHQ5WXcwTlRIalFPY2VSWEdaT0hBQmZTaw?oc=5) · Utah State University Athletics
- 2022-10-07 [Suspect wanted by FBI, multiple Utah agencies after armed bank robberies - kjzz.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQMzBKYjlCVHRSTmpucEZERWFkUWdQZnliTTY4MnlfLWNDWm9zcGRnZ2tUMXJUdFl6Y2Q2eW9pNmlOVDNwcTFpUm12OVRlbUdLdGUzWFBTQXU3NzRERFBMeVFaaThDSUtsX0IwUndRY2EwbFE5V3g2RXZHQ0drZ1hUOUZjRXZWWlRKUmlGbWJ6YmVqc2N2cldTZm1JYUxacG95aEk4VFpHQV94ZXAwRlVHb0JULVNnNDZIM2c1bU5sSlVKTUZWWjZ6U2Jla01yWDVvR21KWA?oc=5) · kjzz.com
- 2021-03-19 [Douglas Millward Obituary - Millcreek, UT - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPbXZ6YWdGUE5lYjVOUnhnbGdxV3VIYUtiNldHdGI3dks1UzdxMWhUVDhtNDc2NmxnVDNMSlFNNmNweEtMWE5QNmNjVk5hLXhYSXdxUUJhOXRFaHptQVc2Q3ROTUI2dGxjSldJSUc2WFA2WnU1WkR5cko5cTFDVzR6ZnVkT2dLYjZW?oc=5) · Dignity Memorial
- 2025-02-14 [Melvin Grant Christley - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOUWVIcWJvUm54a0Rab1I1UTlRWEZMRndIS2NrSlgtMEZ3MHpHX2tPUUgtdy1QSUdHUHlDVl9oWlhLbExNX3Y4eWR0aXMyUUVreFRlTmhTaHQ0a1RZRUNPRjdRYlRiT2JHSmY0T3V4WEctZTBiSmJacjJzajhqeVJxQ0xUTEx4dw?oc=5) · legacy.com
- 2025-03-16 [Read about 3 new, 16 reorganized stakes worldwide — from Nevada to Nigeria - Church News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObzRWLVdVdmRURlo4a1NUZlNldDZPdFJaaU9xYl9pMnoxVjFQdjgyR0RpRFF6UF9XdTJEbXZSNTN6U1hmN203WWE0ZXdDdWJHaVU1X2hPOVcxRUNvNWp2YUlMd1UzaldtNlM5UVY4Vnh3RUlwNDdWZjJCZHZVbGMzaUd4MG9wcU9YbEt0alBObWVVZldkcWxsVHZIOWR3YURFYUdrR1hJQkNBS1E?oc=5) · Church News
- 2017-01-10 [Police: Driver located after fleeing crash, injured passengers in Grantsville - Gephardt Daily](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9GUC1WZEd2aXBZcE9VNDZfWWxjM251SnQ5Y0cwUE5LZGRhRXhwTER6aFFhcmpGNUE0Y1NNN2VIa0R1b05QY1czUV85d1NKQ3hjMG5nOWt6dHhmQTUxSm5n?oc=5) · Gephardt Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12840 (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/40.json (key "12840", 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=12840
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide