# UNIFIED PEOPLE'S
CHEYENNE, WY · NCUA charter 1305 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/unified-people-s-1305

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 3,518 members of 8,100 potential (43.4% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $45.8M |
| Members | 3,518 (-2.1% YoY) |
| Full-time staff | 13 |
| Net worth | $9.6M |
| Net worth ratio | 20.9% (p86 of band) |
| ROA (annualized) | 0.95% (p89 of band) |
| Total delinquency | 0.95% (p53 of band) |
| Net charge-offs (annualized) | 0.29% (p54 of band) |
| Loans / shares | 39% (p22 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.83% (p41 of band) |
| Operating expense / assets | 2.96% (p38 of band) |
| Vehicles % of loans | 52% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.70% (p54 of band) |
| Vehicle NCO | 0.30% (p65 of band) |
| Repossessed % of vehicle book | 0.43% (p95 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 14% |
| Average share balance | $5,050 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $6,966 |
| Loans granted, annualized | $7.4M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | loan book shrinking |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 | repo signal | loan book shrinking |

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

- 2018-10-20 [Cheyenne credit unions merge to become Nuvision - WyomingNews.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNTDR0aWl6eDZnbnVhSTh6c0tiT0lCNUFfNFp4RktNcVBZWUVSY2o4U1h1MUY2Yzd3OF9uUEJCbW15eDltWGs1SmxFTUtaaHUtUk1FVkpKMzdDMzU0VVBidEs2MlpNa1pnSWYtU25xSlZvczZWalBSWE1VSHAxOGRYSTlSeFFGa2JUbDRraUJnT2tnaU54dFI0Sko4dmo1azFUVV94SklFU3ZhSGw5N2FqNWt2MWJBczQ4eS0wWTVvZk5pM0ZjSlkzNHJtOVo3eU9iRUY1RnJqQjc?oc=5) · WyomingNews.com
- 2011-04-19 [Fred Lebsack Obituary Apr 19, 2011 - Schrader, Aragon & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5ieV9GLXNzTkZLYVJjS29HS3hYZjh3WmxGVklZeXJCbG5iNmxXLXB4dU54YVZnS1BQMTJGWGpwQkczalpZck1ONHota1JHN2xBYko5V2txYjI1cHFGYmZ6ZnE2RQ?oc=5) · Schrader, Aragon &amp; Jacoby Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1305 (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/25.json (key "1305", 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=1305
- 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