# DESERTVIEW
Huntington, UT · NCUA charter 13790 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/desertview-13790

Who the members are: federal charter, community charter, organized 1960. 3,472 members of 41,000 potential (8.5% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.6M |
| Members | 3,472 (-3.3% YoY) |
| Full-time staff | 10 |
| Net worth | $6.5M |
| Net worth ratio | 13.3% (p40 of band) |
| ROA (annualized) | 1.26% (p79 of band) |
| Total delinquency | 1.62% (p73 of band) |
| Net charge-offs (annualized) | 0.50% (p75 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 56.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p38 of band) |
| Operating expense / assets | 3.18% (p37 of band) |
| Vehicles % of loans | 48% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 34% (p93 of band) |
| Vehicle delinquency | 1.03% (p65 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 14% |
| Average share balance | $5,517 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $13,504 |
| Loans granted, annualized | $8.4M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2021-09-09 [Emery High Rodeo Coming This Weekend - ETV News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZWdkZUdpNmxUWGZaa0tjY1lLb2llZG9zSlNSd3NwU3BWNzROWkNlX2FWMG1SOTNsQ3prekhjTDlGQTJzeFM3Ukkxcm04MjhwRDFQTnNtQkh5NlViblpJZldWUmYyRzQ0VHI5UUtpSGQxUU4wbWc0M3RSSjBnZ1Mxd3VDWkNoQQ?oc=5) · ETV News
- 2010-10-23 ["J. D." Wandell Obituary (2010) - Herriman, UT - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWnRaU2dWNl9iTWMwc0FOdi1TZFpyVFd2dlZ5MTZuaWhRb2FNUDlDN1ByRmJHLXc1OEdVaDlFaERvQnFseldvWUczWGl0WVg3TXVYQmhMRkZBc2VmMjJUZjFsN3lQTWtESEY3OHRTaUVSM3FEQTRUZEJhZVNGem1JOHE4NA?oc=5) · Legacy obituary
- 2022-12-09 [Huntington Home Engulfed in Flames - ETV News](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeFkxdWZGVWpjSzlaZi1XUEV5QTNzT19wQnFrSlJqVDJ4WTVSZ3VWeXIzSEltOHhxWlNQbFAzNlFaMzQxR2xubjlKZ1VqMGV3LW9PbEZDVDVlTC1McUhjQWNUdFktYTRXNEF0ZkZLaGdvUmIzT3ZUNGhsWTdubVQ2aA?oc=5) · ETV News
- 2014-08-05 [Slew of Country Artists Cap Off the Emery County Fair - ETV News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSWZ3TzhsV3NmYTlFWjZwejFXZmFIMmJ6SWxrbk5JZGhSdUVTY2tSdzFTTnRxdHBPYWJqNnR2X25hUTlBTGc0bGhNUUR6NkpxbHlRdHNJNnEwaHNlSWxzaUF5YzJIa0RkMXpXYW13Q1FWeEI5NFNpYTltcU5uU2tEQnJMcXJWbzlqaXFubWRESFFOWXZwRDUxeA?oc=5) · ETV News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13790 (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/30.json (key "13790", 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=13790
- 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