# NORTHERN VALLEY
Grand Forks, ND · NCUA charter 1344 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-valley-1344

Who the members are: federal charter, community charter, organized 1936, low-income designated. 1,467 members of 100,000 potential (1.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. 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 | $18.5M |
| Members | 1,467 (0.0% YoY) |
| Full-time staff | 4 |
| Net worth | $2.6M |
| Net worth ratio | 14.3% (p46 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 0.24% (p33 of band) |
| Net charge-offs (annualized) | -0.05% (p15 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 26.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.12% (p60 of band) |
| Operating expense / assets | 3.78% (p55 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.35% (p46 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 19% |
| Average share balance | $5,906 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,451 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, losing money, repo signal |  |
| 2017-06 | 2 |  | repo signal |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | losing money, delinquency rising |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | members leaving |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 | assets shrinking | delinquency rising |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | delinquency rising | assets shrinking |
| 2020-09 | 2 | net worth falling | members leaving |
| 2020-12 | 2 | margin squeeze | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 3 | losing money, auto monoline |  |
| 2021-12 | 5 | net worth falling, delinquency rising |  |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | delinquency rising, assets shrinking |  |

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

- 2026-06-30 [Heat advisory pushes Counterfeiters show to July 28 - thepressgroup.net](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNE9ULVdwSnZ6bnBOSWNuTWgtSWZoaDJab0dULXlja1VXb0FsTC1HdHZ2bU0tcjNOZXhROWRNdnVHUVdERDFQX1RBNGxXR2dmSWhpdFNQajdTOXV4NF9odzRoUURva0sxdXR4LU5zdzdxX0VQUW5uNGtndXpfVHY5aU9SUGk?oc=5) · thepressgroup.net
- 2019-10-07 [Patelco Credit Union puts community first - The Milpitas Beat](https://news.google.com/rss/articles/CBMidkFVX3lxTFBMZFlsMmZmdzVQZ0M4dkJ1OVFDWnNIVFJhRnZSWEpVZ1M5U2NFcmRCMW1DRVB4SHNJeXhtWjZhMmdzZXdXSWNuaU9ueE50MzNCUmxES2dDcmdRZHBIa2kwdGxGcDBxeGVyMVpNQ1h3dzB2alk5Tmc?oc=5) · The Milpitas Beat
- 2026-06-09 [KRVN 880 – KRVN 93.1 – KAMI - Huskers to Face Butler in Chicago - Rural Radio Network](https://news.google.com/rss/articles/CBMidkFVX3lxTE1mdEVjUnUteFFialNLTVpQWFQ4WEh2clR6RXlxZlQ0Z3RZX29EQlJROV94R0ZfaVRPeWFiTG5ETXA0MVFYUF9FYXU3VWxLOXE1QTlLbU02Vm1mcTBJZjh4SUhPUkRYTUtvR1ZtQWFtanBkb1o0bkE?oc=5) · Rural Radio Network
- 2018-06-30 [California Highway Patrol K9s and handlers graduate from academy - Lake County News,California](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVU1Kc3ROMDM2ZXVfS0hlOGRPLVhSU2dqSy1zU1A3OVdONTYzcmNPR2Y2UDgyVVFBbVBRWTlmTnJVWjRLblRCMExibXdmZDAtQy1oNExrQ0Vub1JSZ0JzeEZGc3hXMzVScEFxdHpSMFpCamdfaUozamIwdkdJWE11c04tZHRCTW9xblRiSWVncDdTYTZtbi1CbWRxYk90dGc?oc=5) · Lake County News,California
- 2018-01-12 [Englewood Idol to feature performers, celebrity judges - thepressgroup.net](https://news.google.com/rss/articles/CBMihwFBVV95cUxNdEZ1TG1aWTRzbGZ6QWI3MDhWT0hmUVpxNTZvdDBsdzMxejktV2pQNXdFUFlSajZaS21IWVBUN0VTX1NPWTM2RlFOdnVOX1Q4eGlZRDB0c1VrR0duYzNmV0NkU3NNT2h2SHo5X2VwUkpWdGFuTVNtcmZOOEQ4MG9fdDVLRWpnTlU?oc=5) · thepressgroup.net
- 2019-09-13 [‘A Novel Night’ For Englewood’s Library - thepressgroup.net](https://news.google.com/rss/articles/CBMicEFVX3lxTE5HOHphRWttaTdSZ3B4a0ZvMVRxdFJFeldLQzJ1VVJoeU54UEY4RVczQ3l2ZXV2eG54cGFpQklFRURPem8wRExyZkVzVGkxRlZ3dERNMDZtV0xtYU51aE10NC1fUVlUdndZT3BSNEJwXzE?oc=5) · thepressgroup.net
- 2019-09-30 [OFF AND RUNNING: The Englewood Cliffs 5K - thepressgroup.net](https://news.google.com/rss/articles/CBMidEFVX3lxTE05UHhqM1psSUVOMThNTG1pczRqbTRRV0NvRmE4bkhMbWhRamtodGMxMmtXMjJaYmtJaWxsYVp0TGJYSGFOSi1yN28xZnpfUll6WDZiZUdORHphdzRRakRaZjBlV2d4WmU1dXZJbkZQT0pGZ1Fp?oc=5) · thepressgroup.net
- 2019-01-21 [ENGLEWOOD IDOL CROWNED: Annual Show Supports Scholarship Fund - thepressgroup.net](https://news.google.com/rss/articles/CBMikAFBVV95cUxNV0JaY0p4RUt3ekw2bnRjTThYQ1lXN2RnZEN6TDlFdndyTVhYZmRXRzhLSlIyenNnbGJzY0poalh4Z3F5bklWUlIyelJBd25sYjRXOXZvNk9fZTlhdnhGZV9PWWlkaVRNNkpLYkdqU2FkYnFhdUcwNjZTUV9UbzhTSUNDZkdFUDRsT0V1LVVWb3c?oc=5) · thepressgroup.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1344 (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/0.json (key "1344", 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=1344
- 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