# BEEHIVE
Rexburg, ID · NCUA charter 13741 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/beehive-13741

Who the members are: federal charter, associational, organized 1960, low-income designated. 33,759 members of 6,929,956 potential (0.5% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. 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 | $642.2M |
| Members | 33,759 (1.3% YoY) |
| Full-time staff | 100 |
| Net worth | $56.2M |
| Net worth ratio | 8.8% (p16 of band) |
| ROA (annualized) | 1.12% (p79 of band) |
| Total delinquency | 1.34% (p91 of band) |
| Net charge-offs (annualized) | 0.10% (p11 of band) |
| Loans / shares | 83% (p55 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 3.11% |
| Net interest margin | 2.65% (p7 of band) |
| Operating expense / assets | 2.41% (p10 of band) |
| Vehicles % of loans | 13% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 11% (p21 of band) |
| Vehicle delinquency | 0.54% (p46 of band) |
| Vehicle NCO | 0.30% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 208% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 32% |
| Average share balance | $5,576 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.5M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $41,218 |
| Loans granted, annualized | $191.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.5M outstanding purchased (13.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 5 | thin capital, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising, delinquency 2x band |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 4 | net worth falling, members leaving |  |
| 2023-03 | 3 |  | members leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | members leaving | net worth falling |
| 2023-12 | 3 | loans>95% of shares | members leaving |
| 2024-03 | 3 | net worth falling | loans>95% of shares |
| 2024-06 | 3 | delinquency rising | net worth falling |
| 2024-09 | 4 | delinquency 2x band |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | delinquency 2x band |
| 2025-06 | 4 | delinquency 2x band |  |
| 2025-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2025-12 | 1 |  | leaning on borrowings |
| 2026-03 | 3 | delinquency 2x band, delinquency rising |  |

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

- 2016-09-20 [Beehive CEO commends employee Jake Denning for achievements - RexburgStandardJournal.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPMEtub29IeDZwV1gzTHo1X01wMlVQRWEzUUd1Nm9GMHFLem9rb0NaME8ycU43QlVMV3o0UUlQck05SHRESjZ2TjE2SzVVVmxRanVfeGxMNXRPM3paS05tMHFiYkE3UVhUcmVYbGR3bXQ2Mmo1NExRN1ZNLWVEb0VWM3VNV0Q3OHdScUlDWFVCNUFNdm9GeVVlVlRYTFd2TGs0dzhuVmdMVG8ySC13bloxUU9VNUM5NEczWmdBMWo2RWNLcDk2ZE5fWUtHZ0xQTVFXaXlRSkU4UVhDMnlnMGR4ZkZNY0VacVIzZURDMGxpaW0?oc=5) · RexburgStandardJournal.com
- 2014-03-31 [Dean Cook Obituary Mar 31, 2014 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1iV1NIWlFDZnVIck1LcEx4R2pVaTZmdG5lbExIdVhXQWo2VGxnR0pLVVdObzk1bnNBWlNscTVmaGF2dkNmWm9FZ05zcXFhekV1QUd1aHN5TzJwV0hKcVFTNTF3?oc=5) · Wood Funeral Home & Crematory
- 2021-07-26 [Beth Parker Willmore Obituary Jul 26, 2021 - Flamm Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9CX0dzZldQYXVfcWkxcl9KVGRCQUVjVGZIMW8zTVFQdEJScnhrQ3lLRWxNUTlkNThneVVDS0FDeGJleHhOUk05SXc0QWlkQnBIS2dUcWpNM001YUky?oc=5) · Flamm Funeral Home
- 2010-07-27 [Michael Spencer Mccullough Obituary Jul 27, 2010 - Eckersell Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE54eFdaLWV6Sk5lUFdFcnlLaGhEWkpxcmpPYXRYbWZWSnBTUVNXZFJMNVlOYVZka2VxZS1xSWdkZ3ZxUjNacnV6Q3ZKeG9xakhlZmxuU0Rwb21Zczl4eE8zWWYzc1dIYzhQX0x3Q3VxdVJBMWs2?oc=5) · Eckersell Funeral Home
- 2022-11-02 [Corben Pond Obituary (2022) - Rigby, ID - Eckersell Funeral Home (Eckersell Memorial Chapel) - Post and Courier](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMzRieF9OZXR2RXhsazJQd09wQ1hQTFBTdDNSQXJIUUowLXBBZWhtV0gtNG9sdHd5Z2lkYWRTSnNhWDBQZ0cwdWpOUGQ5M0RSOEY5cHRpZUhIOXk2UlNNamdyaVhhV0lDd2pZQzQzWGpCTEZ5NWIxWjVCdkdockxXVXpLTUcwSlpUNVpkQ2Z5aXllZUp6MTlYcHdB?oc=5) · Post and Courier
- 2023-09-15 [Stephanie Vinson Obituary (2023) - Lander, WY - Hudson's Funeral Home & On-Site Crematory - Lander - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQbWlLdHpUMWJYNlBLODFrdndycW5DVE1DRHFVVUFjZjlQU1hIYzU5aGlrc1ZYRTJkQk9abE5jRzNQUi03c0dTZ0VUOVpTLTRYamFxemFqeDJYY05KWWhlYUQ0MDlVWTZPMk40by1QVXlTSmlJUUVNQUVyb2dJcWRQak9QaVNBUQ?oc=5) · legacy.com
- 2022-01-05 [Biz Buzz: Rigby spa owner wants to help you look and feel your best - East Idaho News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZDNMRmN2RlFDZnhDekFLYlJrTHo4U3Y5aEZFOEJYMkd0bmdGRXBlSXdwenJ4ME9na21GVXY2aURfZ21iWkhxZHlyT1ByWF9NbHU4ZmtQN0lza1VCTEJDNHQxWFEyS05SeTk3WG5VTGN0UzVnQWpHcWUxeUJidXBndTZiVVUxMHZJLUVQWEQ3TkVGTGVaYjJ6TlcwQWJRZFpuYm9oUFZDZFQ?oc=5) · East Idaho News
- 2015-07-29 [Gregory Hanson Obituary Jul 29, 2015 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5QTnBqa1c3X1F3WHo0Ni1IczY3bEdIRUZTSk1OLVNkQ0xIZE40SEFnWFNic0tyemJpOFZRd1FoMW5FZ25CUnhMTVVKTmJEeHg3U0hzelBweXk1WjhoZ3g0RHZjQXYyUEpK?oc=5) · Wood Funeral Home & Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13741 (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/45.json (key "13741", 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=13741
- 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