# NORTH SANPETE
Fairview, UT · NCUA charter 13224 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-sanpete-13224

Who the members are: federal charter, educational (single sponsor), organized 1959, low-income designated. 346 members of 800 potential (43.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *auto monoline*. 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 | $1.2M |
| Members | 346 (0.0% YoY) |
| Full-time staff | 0 |
| Net worth | $282,246 |
| Net worth ratio | 23.3% (p83 of band) |
| ROA (annualized) | 0.88% (p65 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 76% (p77 of band) |
| Cash / assets | 41.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 2.23% (p15 of band) |
| Vehicles % of loans | 89% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 12% |
| Average share balance | $2,615 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $14,447 |
| Loans granted, annualized | $324,464 |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, auto monoline |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | assets shrinking | losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 4 | delinquency 2x band | assets shrinking |
| 2018-03 | 4 | net worth falling | delinquency 2x band |
| 2018-06 | 2 |  | delinquency rising, net worth falling |
| 2018-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 3 |  | delinquency rising |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | members leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 | delinquency rising | net worth falling |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 5 | delinquency rising, loan book shrinking | loans>95% of shares |
| 2021-12 | 4 | margin squeeze | delinquency rising, loan book shrinking |
| 2022-03 | 5 | delinquency rising |  |
| 2022-06 | 3 |  | net worth falling, delinquency rising |
| 2022-09 | 2 | loans>95% of shares | members leaving, margin squeeze |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 | members leaving | delinquency rising |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2024-06 | 5 | loan book shrinking | delinquency 2x band, members leaving |
| 2024-09 | 5 | net worth falling | assets shrinking |
| 2024-12 | 2 |  | loans>95% of shares, delinquency rising, net worth falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | loan book shrinking, net worth falling |

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

- 2026-03-17 [WATCH - KSL Sports](https://news.google.com/rss/articles/CBMizAFBVV95cUxQNlpoakkwdmtaVms0YklsbHVoS2Z2dXBJUWZGZmR5Q2tweHRSYlFUbWphbEczb3RrWFQwdzhNMW5TcFYzMGo1T1JZTF9xYTlUMGdfUVduZlJLRTR5UTFGcVZFZWp1X29ERkF5NVdGNmVPamFzTlVRVW1sc0diVXFJS1lWMldZNmQ1Rk1UNDd4U1Q3bnBNMVNNVjl0Nkh5WlpJRnMwUG5TeHAxT0R1SDQtWENTNFN3TG9oZ0pMbGVoSUt0Y2F2a2R4blBnSzI?oc=5) · KSL Sports
- 2019-04-29 [Sheldon Claren Schofield Obituary Apr 29, 2019 - Walker Sanderson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE4wTXJOX0k1QmVjaTFhbXFyd0hlYzFUR05ZbWdzYmozYUVzS0UxTHZOSDBvQ2Z1SFoydGZoNjg4VGZ3WGV6RnBSNE5RdGswMElRYlVxa3dEVktjcEgweHAxdkJpczRlS1dwWnhGNA?oc=5) · Walker Sanderson Funeral Home &amp; Crematory
- 2024-06-10 [Jean Burnside McCafferty Johnson Obituary Jun 10, 2024 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOT29VeHJGckFBSHlQcmV1S29rVHhyeVpkeE5tQUl5Sl9VOGdUYV9kbVFPOGNfMlFmUllfdTh2U1lMMHd1WnFib0pmVzBTc2NqVWpwRzVHak1YTG9oXzMwQ05YT3ZJVHdfMm9EWW1HalBCZ2pPWGlMXzV1b25JR1NkbTNpVQ?oc=5) · Lindquist Mortuary
- 2024-11-27 [High school girls volleyball: Deseret News 2024 3A all-state team - Deseret News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPekt4RS1Idm9LWkpEdmJKX2M2T2xsLUJINWRFY0pOeXhNX3VwNWdGY1dGMEZZQnZlcHdCa0tIZVRfSXFsS0hrLTNROHFreXlKZ1ZHallfaWV6NlR6c3pKMDYwempHdVFYLUtUT0E1RGlZcnU5dng2NmZCZ2FDZ0s0NE1kUlJaQklyc3N2NXUzVGNZSjlXOV9lV3FNYW4wVVRuOHc?oc=5) · Deseret News
- 2025-10-21 [Lady Spartans volleyball prepares for No. 2 Canyon View | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMiowFBVV95cUxQR29vT2JJejBoU29mTERxYjhhRm96Q295Z295MjFyX2F3UVVGWF9wZ1VReF80d3BKVEQxa0F4VlVqQ1k5LUhHYVdTd2U4ejQyMmsxQ2lyUjFxR0xfS2ZCdDhjLVlDRVJpSW5IUHRFUUppSDktRlF4RVNaX1ZfOXotTHVPeGtHYWtMclppNFB3cnIyeEZIV1FMRzZFSGl2a1ZtMk93?oc=5) · Castle Country Radio
- 2021-10-01 [Gary Miner Obituary (1941 - 2020) - Washington, UT - The Spectrum & Daily News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQV0pjdTBWdmxCdjNEcFFGS25FdUZZN1diRG1WU3dBc0h5VnJQYUloUTgzT2FIWjJIZmdNNmtScExTeEZhYm95SVhZR0JVNEJ5dmdyMkkyTHlqeW45RzRyNjY1bWVGSEFpcHNMbjQ5TzJFNGthbEFyWlVPLURmY3I2YV9PTWllaE4zQnplSlNR?oc=5) · legacy.com
- 2018-04-03 [Riley Lee Powell & Brelynne Marie Otteson - Tooele Transcript Bulletin](https://news.google.com/rss/articles/CBMijAFBVV95cUxNYkpZYzZiS1U0S0xDMFJHcExEdC1fZlNIY1laR3poM0N0Y215Y3FGQ0ZkWjl1WklGVWZzSFVPOUo1Qjh4dS1ZOVRpWGJPYWNlQ2NKOUh6ZVMyM0l5Um5NLXJDRllDT2ZqNl9YTk81SFliNDcwNE9CTnJBTzM2bUpBQmpZNHBGaW5SSzNHSw?oc=5) · Tooele Transcript Bulletin
- 2026-03-04 [Dino boys' soccer handed tough loss in return to pitch | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWVgwVVpxQU96ZURJOFhpd0k3MGotWHB3cXA0WnNBZmQ4am90SFBweUFra1VXOEkwcndLcWVnN0Z0eWcwRFRlZDRxQ0p5ZFBUT0ZlaUZOeDdfNzlCalhXNmNmbWd2V3dRN2RwUEpWZGc4amRNWHZhRnZ4N08zU0RENzJrN1hreVZaOUk3N3FCWXZIelg1QmdXTGFIQ1FELUoxekE?oc=5) · Castle Country Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13224 (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 "13224", 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=13224
- 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