# NORTHERN TIER
Minot, ND · NCUA charter 12998 · asset band $100-200M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-tier-12998

Who the members are: federal charter, multiple common bond, organized 1959. 12,613 members of 50,000 potential (25.2% of the field); checking penetration 25% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $125.0M |
| Members | 12,613 (3.2% YoY) |
| Full-time staff | 32 |
| Net worth | $11.5M |
| Net worth ratio | 9.2% (p30 of band) |
| ROA (annualized) | -0.07% (p7 of band) |
| Total delinquency | 0.94% (p68 of band) |
| Net charge-offs (annualized) | 0.50% (p65 of band) |
| Loans / shares | 84% (p74 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.35% (p12 of band) |
| Operating expense / assets | 2.69% (p15 of band) |
| Vehicles % of loans | 50% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 93% |
| Third-party paper % of net worth | 379% (p94 of band) |
| Vehicle delinquency | 0.48% (p48 of band) |
| Vehicle NCO | 0.36% (p43 of band) |
| Repossessed % of vehicle book | 0.06% (p70 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 44% |
| Average share balance | $6,000 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $17,018 |
| Loans granted, annualized | $48.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 3 |  |  |

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

- 2026-03-26 [Gene Rupp Obituary Sep 27, 2022 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9Qc2tTN2xIQkJ4dW1TZTlNUkdpcDdIT0hlc2hBcFJrd0s0aHhDZFZZRGNUejBLVXpSaUJ2WlpXN0E5czVwNzlWaWNSdWt5OHpIYmUyTTBaMU1pakp5WGVLV083VTlwVkJzTU5oeA?oc=5) · Thomas Family Funeral Home
- 2017-12-26 [Remembering the Credit Unions We Lost in 2017 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZDhaZEtnc0h3TWR6ZHBmd2NSX0d0YVdaTk0zQWx4T3RFYjRkSngzWGFiWGlXVjhOZHdTaXJ2c3FxTEtmRmRObmZ1Q243TG8xeDdBM1E0UndiaTFjVkNVN1JraDV0bnFfVkg1ZndoUGo4QXNxLWlKMkpYeXpZZHg1U0VvR3hnZw?oc=5) · cutoday.info
- 2018-02-23 [Juniata Valley Bank - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMicEFVX3lxTFB2dElwZ2pNSFJXWVFYbjg3MFpxYlM3SjN5NXZBd2hoYlZMVnY4ZmlnVkhac3R4Sjc3Ty1US3JZRmxkaXdteS1vOVhsaGJ1MXctZ2ltWUxZNV9ENDR6RXV3RVZ4YTVUT1dOZkpMU0hRSzE?oc=5) · Pennsylvania Business Central
- 2010-12-16 [First sergeant's say thanks: Operation Warmheart - minot.af.mil](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeVNpazBpbTZHZVAzY3pYOFZKbm5Td0NYTnVvNVd5bXJrQnVUTDJhNTkyeTcwNml3QlJENnRTaHRCMVRJVjZHaEN6bUJNRU5UenBiU3p2cllESGpfODlNZzZ2ZkV2YWhOZGd4MGxCcmpUTjU4MFZTVE1Ha3pyNzZkYWpCWEFvMDJ5Wkt6YjQ2cHJLTG1zUmlQT0p6Rm95cG9MVDJ1YUJQSVN6SHZq?oc=5) · minot.af.mil
- 2025-10-04 [Barbara H Stugart Obituary Oct 4, 2025 - Russon Mortuary & Crematory - Russon Brothers](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBocjVmcHRkclRqQ01aMzdueFpVZTVFMi1qRFA0bmhhZWFEbEhGTUpqWWU2eTU3Ykk4Tm5lNlJ5QUhzdUpzV2lCbEcxVUc2M05DRzlxcktKUEMtU3FFdV9YeXhnQlE1d2lz?oc=5) · Russon Brothers
- 2025-10-09 [Martin’s Forecast: Mostly Dry - Hoosier Ag Today](https://news.google.com/rss/articles/CBMiekFVX3lxTE9QcmtqMkV0cnFyWGY2WkdxaVFvNFFMYlhSTHNtajFZbDdSNVFESV8yOGcySDJwT1RRYTBJNjNrYkNpVnRMUVljdEFsRGdFMTJWeHBoemczdDJTbndWNHVRa28tY2FTQ2pWMl9kb21pVnF0cGxMTkRldzlB?oc=5) · Hoosier Ag Today
- 2017-07-26 [Biz briefs: Local Visiting Angels franchise wins award - Star-Gazette](https://news.google.com/rss/articles/CBMitgFBVV95cUxPZXlSSW9XaEdVVkt0S2IyWkNRenFZSUUybU03NTM1YUJlRnpNOVhnRDM1cmZkc1dZLU0xNWVOWFJuQ1lnalFXWjdHRTRxdEZvOEZudDVyM2l2NFlodGkzZWFRQXNqRlItdG9vNDV1REgtQkhaOGxLOFB4Skk5RjNKZkY5ZVpVeFY5czU3cEZHWVYwMTVKS3ZaanBkVEkwR05nejQ2SDVuaU1mWVFHQUFjY0FWUkdFdw?oc=5) · Star-Gazette
- 2017-01-10 [Savala ‘a positive role model for his peers’ - examiner-enterprise.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZlFxMTJ1Y2lrYnVkZ2hoNG90SlpiNkV6ay1fUHJTYnBxQzJ1UmNuQ0MwUTh4UEZSaEJGSWdybVZELVhKZzgyU0g4ZHpQcFV3bkxLQ0dIUFFwMlVKb28xM0xfR3RpMWszQ0lOSmQ5NnROOUthcEdRSnp2aHhBR2U5MzdCdFB3R0xsM3FBa0lmTFNPSEdtOVFBbHE5STI4ZmVydERKcw?oc=5) · examiner-enterprise.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12998 (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/6.json (key "12998", 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=12998
- 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