# TRONA VALLEY COMMUNITY
Green River, WY · NCUA charter 15741 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trona-valley-community-15741

Who the members are: federal charter, community charter, organized 1963. 31,217 members of 987,534 potential (3.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $467.6M |
| Members | 31,217 (4.2% YoY) |
| Full-time staff | 98 |
| Net worth | $64.8M |
| Net worth ratio | 13.9% (p81 of band) |
| ROA (annualized) | 1.19% (p80 of band) |
| Total delinquency | 0.67% (p57 of band) |
| Net charge-offs (annualized) | 1.08% (p91 of band) |
| Loans / shares | 79% (p63 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.50% (p93 of band) |
| Operating expense / assets | 3.85% (p56 of band) |
| Vehicles % of loans | 55% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 197% (p80 of band) |
| Vehicle delinquency | 0.72% (p62 of band) |
| Vehicle NCO | 1.99% (p90 of band) |
| Repossessed % of vehicle book | 0.23% (p86 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 23% |
| Average share balance | $6,523 |
| Participations bought / yr | $192,696 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $23,282 |
| Loans granted, annualized | $122.1M |

## Participation posture (from the same filings)

Bought $192,696 and sold $0 in the latest annualized quarter; $2.3M outstanding purchased (3.6% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 8.6% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, expense trap, charge-offs p90, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 3 |  | expense trap |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | net worth falling, members leaving |  |
| 2017-06 | 3 |  | net worth falling, members leaving |
| 2017-09 | 4 | members leaving |  |
| 2017-12 | 3 |  | members leaving |
| 2018-03 | 1 |  | charge-offs p90, repo signal |
| 2018-06 | 2 | loans>95% of shares |  |
| 2018-09 | 1 |  | loans>95% of shares |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | delinquency rising, repo signal |  |
| 2022-06 | 4 | charge-offs p90 | delinquency rising |
| 2022-09 | 3 |  | repo signal |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | repo signal | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | charge-offs p90 |
| 2024-03 | 5 | net worth falling, delinquency 2x band, charge-offs p90 |  |
| 2024-06 | 5 | delinquency rising | net worth falling |
| 2024-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | repo signal |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2017-05-05 [Trona Valley Announces Acquisition Of State Bank - SweetwaterNOW](https://news.google.com/rss/articles/CBMidEFVX3lxTE5HYjhVSlFiUjBBNWZSeW5NRXE2M0tTdEgtQk55SDNjZG1sUXBsWERpbEIzdUJ3aS02bU4yZnYzZ2V1U1h2aWdLbk9LSmFEdEJPVUxTRmlkRklCMnk1THVEZGYtZU5YcFVzaE92VTA0dC1YVjZQ?oc=5) · SweetwaterNOW
- 2022-10-20 [Colorado Credit Union hires Scott Sager as CFO - CUInsight](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSmczNmNtQm9sZXVTcHZyTDZxbFlMT05aaEtPSEh5R2twd2Q2U1czUWdNZHJzRmktQ1h5NGo0WHpjWDRzaDRmTGZKcW43VGtjZEpQNDJEUG4yQVpMWXRndGJPeEZQQnJjZzRfOG8yOGNzSWNoVUk4ZThCY2I1N1dFMVFuUWFxMVdFQmw4b3gxRWE?oc=5) · CUInsight
- 2025-09-25 [FFA barn project is underway - Green River Star](https://news.google.com/rss/articles/CBMilwFBVV95cUxPb0t3eTVVSkYyQlZNWlQzZDVSYnJmSWp6NzItZEZNVTIxQ2s2Q3ZUaGdzS0lETWRVd1ZMdWU1amQzMWJ4Y1l0d294TGV6M0xCUmNocmt0RjluUHFudDdhNlFudDdlQzEtY3Z6N0xWWVNpcEVaZFI5MWM1VmYwQ3FhcGVPZ3NnaW9RVE83V0JJc1p4ME1XMlpr?oc=5) · Green River Star
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2017-04-29 [Judgments - WyomingNews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQzRfRkd6ZGJxVUU0SVlWODR5elUzRFFwV2lSMkY0QUk3MjdjdUFoVVBaZlZjV0I4RVoyeDJRQzlSQkVPSE9YbmtHaGxkWjRZOUhIMS1YdUlwbER0dGlMQUFwRHJ4NmZRMmM1cXFSZVZYaXF0dEhYaXZac0VmdkRUZVF0d0lsbTRLZzBsemtZQ2cwVlJuMXNrNzh4dUtJVkY5aXZUQXA3UVVDa0k?oc=5) · WyomingNews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15741 (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/61.json (key "15741", 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=15741
- 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