# WOLF POINT
Wolf Point, MT · NCUA charter 15375 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wolf-point-15375

Who the members are: federal charter, associational, organized 1963, low-income designated. 3,236 members of 10,260 potential (31.5% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.0M |
| Members | 3,236 (2.1% YoY) |
| Full-time staff | 6 |
| Net worth | $4.1M |
| Net worth ratio | 17.6% (p64 of band) |
| ROA (annualized) | 0.68% (p55 of band) |
| Total delinquency | 1.58% (p72 of band) |
| Net charge-offs (annualized) | -0.28% (p6 of band) |
| Loans / shares | 58% (p50 of band) |
| Cash / assets | 51.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p21 of band) |
| Operating expense / assets | 2.92% (p30 of band) |
| Vehicles % of loans | 82% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.60% (p75 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 | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 12% |
| Average share balance | $4,890 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $10,175 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | loan book shrinking |  |
| 2020-09 | 6 | margin squeeze, charge-offs p90 |  |
| 2020-12 | 5 |  | charge-offs p90 |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | loan book shrinking |
| 2022-03 | 4 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 2 |  | charge-offs p90 |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 2 | assets shrinking | delinquency 2x band, charge-offs p90 |
| 2024-06 | 2 | delinquency 2x band | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | delinquency 2x band | margin squeeze |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |

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

- 2026-06-22 [Gloria Mavis Dillabough-Soholt Obituary Jun 22, 2026 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE5BLXdKOWc4TWlHRWRQLTZ3SzlQSDg0M3JwWlhwT3hNX1Viemd6NFpIV2hIQUlrQW9XdldQZ3NuR0ZETFE4QUIzWWZSdWYzT2FPbWxlUXg1aThCeUM4bWdYQ3ltX1NWQzJDeVpaWjYwS1JIUFNVbnVLR196MA?oc=5) · Schnider Funeral Home
- 2017-08-19 [Doris N. "Dolly" Starkey Obituary Aug 19, 2017 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xb2J5SDRLX0ZWa0E0VWM3emhPWGJsdnBYUlRlVTAxQ2xLZ1pzdWFBX0pUYmV4b09GcFJUeS1jS3p6ZzM1WkcxWUo5WnlfWXdDY01WYWtJYV9Jd0ZFcGs0YnFBNVdkaUVmRGhGbndUMHJlN2hE?oc=5) · Short's Funeral Chapel
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2022-11-29 [Obituary: Rhonda Faye Grindeland - KRTV](https://news.google.com/rss/articles/CBMid0FVX3lxTE56eFhxdGc2aWFldFl5SVZ5eFp5VzdhdTFHckNHVjlFalFNYS14cW1uR1BYeGtabkQ5RzZSNUpidWV2NTI1aEwxUWdKYXJNem56WXg5WnFNZ1Zsc1B5dGJhMXNjM0Vrc2lmRk9CMVNaY0lwWGxTUU1n?oc=5) · KRTV
- 2025-01-10 [Ellen Wood Obituary (1937 - 2025) - Billings, MT - Sidney Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNHRRX1c0Y19NekJKR1NaRU8yazBGYnJsUDh3UU1aYUlYTzNsODRXX2RIRzlQaTk0RTY1OEJsV3Bqb3hvZlpvQ2JOQ0lLZzRiaDRUd2NZV29ja3duOGp3RE51T0NNYzNLaHFpdWtaTXBGUGJwcHpDTzQyZFM4dlNCQkp1bnZ2VGdZZHl3X0FWYw?oc=5) · legacy.com
- 2025-04-21 [Darlene Kay (Vraa) Ellertson Obituary Apr 21, 2025 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE9Od0hqODV5emFITEdBb1VRaDNBM2JHU0Y0bERRQkg5YWotaWhuaXYxcy14LWZGMjBVZ3Nld3EzU0k3dlozQWtNa19YcWJjMG5ReWZUYzVmNFNnLVZ0RnpmMkNuQS1uUzNGTTFzaHFzTUktRnBfenVCQQ?oc=5) · Schnider Funeral Home
- 2018-02-17 [John Howard Boysun Obituary Feb 17, 2018 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE0wUjJibGtyMHdGMFJRVG1EUng4a2plaklMUjdsM1pmSGVnVy1hSzFSN1RmSHZKS2tfcFFFcTNHcVE4NWhCR1RjMnZWSGo2Z2NzdVZvSGNIQ1FjQzhtZXlPc3NYc00xeUcxa0E?oc=5) · Schnider Funeral Home
- 2016-11-19 [John Cloud Obituary Nov 19, 2016 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9fNmpQR3RaTktXRlM5b1lzYUNHaTNwWlhjX0VwV2lnSzZ4WTdrXzZUeDlINTFzLUhXMElKNld0dmViSXNSX1FFa1JLQ3M4dDl2RFB5clEtUF9NTDg1MUtGRDByNENVTTZm?oc=5) · Schnider Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15375 (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/15.json (key "15375", 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=15375
- 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