# C U P
Provo, UT · NCUA charter 13833 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/c-u-p-13833

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 791 members of 1,900 potential (41.6% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *ordinary*. 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 | $10.0M |
| Members | 791 (5.5% YoY) |
| Full-time staff | 2 |
| Net worth | $1.1M |
| Net worth ratio | 11.4% (p26 of band) |
| ROA (annualized) | 0.14% (p30 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.02% (p19 of band) |
| Loans / shares | 85% (p87 of band) |
| Cash / assets | 22.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p48 of band) |
| Operating expense / assets | 3.65% (p51 of band) |
| Vehicles % of loans | 40% (p26 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 | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 51% |
| Average share balance | $5,437 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,037 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2026-09-09 [Rod Stewart Slammed for Cancelling Show Amid Health Issues, Then Appearing at World Cup - TicketNews](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNjlwOWhrNFBFcW5UeVN2c25MU0FhYTNWUEtLV3o4WWFtSTVqT1ZsWUxJa1lMN2RqYmdpR2RUbGJROE1PZ1dzdENtaDBaYjJwOFNZbUQwVjdMMzlDNzNrbHlKdm1OYmtGVThRR2VyNDQ0aHBWcWxDS1BIMUVsZkZ2bHBnWWNFQ0NDaVhXLW9tbVdEMld5LTFmYkVxenRJN1Nyd0pOWHp2UkZ5SHA2dWo5eGZQcjQ4bFRCQVZlVzFNTQ?oc=5) · TicketNews
- 2026-08-02 [America First Credit Union | Changemakers – Adrie Young - Real Salt Lake](https://news.google.com/rss/articles/CBMikAFBVV95cUxNY2JuVHhLWFctZE9RNXhza05fTE9QMHk3ck1qYWNyckFhTndjeGNoRE5wRUVyRVRPVFBLZkxJY0publRSMUhmMTZuVFNZdFJhMWJNdVNTNjRfSlhXd3A2bXJhdk44WkwzWmNMV3o4OHcxVVZfNjlVbFBlOHVXMVhqNW14MXFBQzB6ckdzczNDbFU?oc=5) · Real Salt Lake
- 2026-05-15 [Navy Federal Credit Union – Mission: Stanley Cup: Vegas - nhl.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQY3hFeGFDQTZtWi1rMEZ4N1p1NUdJV2ZyLTR6U01SV3E3UkNpNzV6VGJYakdvYjhPbG4zOXIwbTJ3RGRQMHY5dHpTcHN5TTRjZ0hreU9kRTdjZjRDWVFFcnFjTDd6QmlNUDllRFpNVWFPdlFxdzJuamVEUDhCd1FYSHprT29jTlZweGxKcVNNTzNHV2MyNEE?oc=5) · nhl.com
- 2026-07-19 [The Walt Disney Company Announces 100 Exclusive National Hockey League Games Across ABC, ESPN, ESPN+, and Hulu Beginning October 7 - ESPN Press Room](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPQlhsOExOVlRRbFBOQUpWSnhZaDJ6dElRZmFGQUJXcFlRYlFmUFR0OEt2c3VqU0w5S2pDZThuaUJNeWI1WV9yYXlaSlZLY2lIQ08xX0ttUFg0UHpsV2pjWlRTVW5EYWoycmR5Rl95aGFWNjlzRTQwLTdhQ201bllsN0VuR2NQUG1ySmJLWlV5bHpMOXkxR3BhUGxHaWtEQzhmdzB5Y2ZlUFZTN09LblpmcVdUaE9RdXI0LTlwRG9Pa1FnUEVjWjNlb3pRMjdtaFE1bEdWa1ZEREduNkhRUlY1b1BXVEFVMVY5c3l2ZXJsTW9XNnY1RGIwOXdPcw?oc=5) · ESPN Press Room
- 2026-09-09 [Rod Stewart Postpones Red Rocks Amphitheater Show to 2027 - TicketNews](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSGJxV01BRE1SSnkyeW9jSlBITENHT0pqUFBISWNDMVR4YnRhTW9hb1BvSnJ0bHhET2NGX3ZqNUptZkRXNkMtdnY3aDUyblVKOXFqTWVVV1lsdERJX0t6NGtpV21CWVhCam9Zbjh4SWxQXzdNZ0QxRUJIR0hEbkxQcnZLQUx4MW1hTkxWWlFqYTNLd09MNTdQdQ?oc=5) · TicketNews
- 2026-06-15 [Navy Federal Credit Union – Mission: Stanley Cup: Canes - nhl.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdDJMX3ZiUmhtNkNnS0RubG9RVHVsTmZPUVF4T2Q4ZFFERUJzdmFsVmd6d05jRGJDOVdweld3SGhFRWpIQkdab1NydGZmcDhJazNBT2RGRHRGWGk0UXFOd1Z5TmZzYXJzWE5xb0tiVndYTFRTSnNJSVd6ZmwzN1lGSG1MS1dLa3VYRENRRVJTbDY0MUdhNkE?oc=5) · nhl.com
- 2026-04-07 [2026 Amateur Cup Results, Schedule - TheCup.us](https://news.google.com/rss/articles/CBMicEFVX3lxTE1iS200eGl6RDN0Qy1BWWZab1U2WlVIYV82cF84OW85T3hpX05TQzh5ZEMyS1BLQTlOblZVSDlSQUdzTHJ6ZHdUOVhJeXVucE9EUGxUNUlLZWs2ejFxZlRhazlieEVRQ3F6Y05UYWpaMTI?oc=5) · TheCup.us
- 2026-04-17 [Vegas Vs Utah, Stanley Cup Playoffs Round 1: Sunday 7 PM, Tuesday 6:30 PM At T-Mobile Arena, With Series Shifting To Utah Friday - LVSportsBiz](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQalplRUFSQk1feWJYaXNlZkpuZ2JpelRqb1cxVVpmSjJmUkFXVDFpeVkxZlJRbS01QTFEYnQwejFoUDJjeXZ5ZmhvR3VLMTR0YlhmUFZkWVc5TWdmV3phSDBqVUdIZmV6QkJGR0h3VkxxbG9jOHE2U3lOMEFJVVA3MkFaSkVnQlN2ay0wWE8yU19FakVPSzhkNElwT0k0QUNENzJlTmRaUU7SAa4BQVVfeXFMTkFQQkJEMjM3LTRMSlVTMTF0YmlYVTRWeFBNQTdEdEs5ZHRzTFl5Q1ZBVnZPakh2MHhPYlg1WnAzYS1yUHpybU5xZ0xsQnRwczZJV3phOEFUQTNpaG9ueG1CR08zZjJBWlhWTFlVNGFPak4yenc0cHlKczlnQ0t4NDgwOWc2cEpiclRVMzhNZ3VTaEV6VnhIVnRaTGVRWDBNbWx5SzVnSnphcTl2Z0p3?oc=5) · LVSportsBiz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13833 (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/9.json (key "13833", 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=13833
- 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