# BIG SKY
BILLINGS, MT · NCUA charter 15964 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/big-sky-15964

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 863 members of 4,637 potential (18.6% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.4M |
| Members | 863 (-5.9% YoY) |
| Full-time staff | 2 |
| Net worth | $814,631 |
| Net worth ratio | 9.7% (p22 of band) |
| ROA (annualized) | -0.76% (p8 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.02% (p24 of band) |
| Loans / shares | 39% (p19 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p37 of band) |
| Operating expense / assets | 4.10% (p66 of band) |
| Vehicles % of loans | 75% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p13 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 13% |
| Average share balance | $6,151 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,157 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **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 | 5 | net worth falling, delinquency rising, repo signal, members leaving |  |
| 2017-06 | 3 |  | net worth falling, repo signal |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 2 | losing money | members leaving |
| 2018-12 | 4 | net worth falling, members leaving |  |

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

- 2026-03-06 [Starch Madness Set to Tipoff on Saturday - Big Sky Conference](https://news.google.com/rss/articles/CBMinwFBVV95cUxNYWVINENzTm0wVHJJTHd2X1dHeHc4YVZDSFNXRUlPckZId3JQaW0zR3h5Y0Q4WmNCUzRXM2N5MXdHLUNIcUNUa1hYUzNHRlFMZFEzY19tenZsZ21kVHlFYjN6NFRxSzZVZDZ5clNibnlGdm51NG9tZVB6TFpaYTBGLTF3dVBhdlk3Ynd2cDZtbnI4dEVqcVduOF9KNkxlV2s?oc=5) · Big Sky Conference
- 2026-05-19 [Buying into Big Sky Country: What out-of-state buyers need to know - Explore Big Sky](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbXE1WG9zNmVUNV9uRElHMy1BQ0NyWGJwdG9CYnVaUWlRSWY1enB1QVRBRmtNOVBob1hhWkZyVWV6bHJpYV94MUNyQmIydGszTHVkR1huVWVuTWtzVWUtdkNRMmNPRTlVTUpHYzM2SzZfdHBFaEk5RnZMRW1XTDBtZmhQLU03YnZfdjJNT2RDdXZQSGdhc3BSWDUwNFVZRGprbGFGOQ?oc=5) · Explore Big Sky
- 2026-05-19 [Clearwater Credit Union awards scholarships to Montana students - NBC Montana](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMUNFVEtJMTc3dlJ4S2pCNDFyRnd0U0RQcTFtOEFHcnk5NmVoaThZeDdGV0tRRmFWaU41NHBtdkNKTkdUM2QxdC14ZjhseUY4bW92TGdxcFg3NS1XMVBkZFFUUG1CNTB4RG82cEZrVUpabmF6enhqdm1EVmRmVEdDS3QwcGlleUZFTVlyRUx6cVY0c2ZvQTJYSHktUjF4MHJnai1ySG0zMWFaYlFSQlhPZw?oc=5) · NBC Montana
- 2025-12-22 [2026 Starch Madness Tip-Off Times Announced, Four Games Selected for Linear TV - Big Sky Conference](https://news.google.com/rss/articles/CBMizAFBVV95cUxOWGhpeWVCYjhCN1lrRUZYVWtaWVVRdFNMRHVWeUppMWV5RzRrOHlpU3RfSEIzSFVZUUxaTkNEakRmWFVnY01mZWdEVUFSMzU2S0c4UGwwT3FoN2ZFVHE1NEJSRFRpM1VXNE51cFQ4RXdNTkVEZVI4Zy1fbTFYc1NzdGd0VVd3Ry13VmZwcDkyYVFMNEtkSFlJYmZtRTdvNUxVZDVTUlExRHhDVlBseWlodWxDOC1HbjU2UFN6bGZreXF0Uzc4YndPUkRIdnE?oc=5) · Big Sky Conference
- 2025-10-06 [Whitefish Credit Union opens first branch in Missoula - KPAX News](https://news.google.com/rss/articles/CBMif0FVX3lxTE94bTUzU1NSaU9WSm5KRVB5RTU3SDNGUUJsN04xX1Z5WUdLcEIxZGowbU5GdjBQRndBa2ZtZ21KcVBMUzlDd2xUWFB6eEdyT2RTbTJhdE9hZlhETjlZb0YyTVh2cW5mQ0xCdlA4YlkwbkZWVHFtMzkzLURCOGc0NXM?oc=5) · KPAX News
- 2025-08-04 [Big Sky, Big Tests: EWU’s 2025-26 Schedule Drops - Eastern Washington University Athletics](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWkdqMzFMdmQyQkRIR3dQak53a0o2RUpvV09ael8wZUV1SkRZRHB1X2hieEFtLVZLamtsTzhqRG93S04yRnpQUTFPTS02ZWNUaWVUVzdXRlhkRWRqVkgyODhzbkNyWE9QMzJCVjJmMnluX1RlYzBabE9Ga1JuUnBtb21TX2h0QjRhMy1jNXNGLUNyYXYyOVpsWlVNUTVaMUJw?oc=5) · Eastern Washington University Athletics
- 2025-05-02 [Idaho credit union to expand into Montana with bank buy - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMEZiR2lmS09MU1pIUDBHTWg0UW5wWWxrQk45OEtIT3llR1Y2VkdkcVRocnNmM0p3Z1EwZlh2blRsdjhxMEdCTDhsMlJtY3doRFRtc0xSeTRHcExtYmh2MDBQb2hIWllManlsQkFzVHQ3MlNobklXZ2FEcldIeDhSa0VoTVREWEVFT1REYkRXYTBUVE1vbFB5cEJqVko1Wm5xeUNJblBXckJ0WHIxMTlMSA?oc=5) · Banking Dive
- 2025-01-21 [Big Sky Conference set to launch “This Week in Big Sky Basketball” - MontanaSports.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNa2NReFUzd2VWQTVUNkRGUG5sLWZVYXJaZzB1RTF6ZXhkNW1pN0dMbFB5eEtTdkMwNWd4N3dGV1ZnNWVPUlhVdFNpaUllZlBPMTZXNGctb0lRZkJLR004SGFLSTUzb0phRU1wdEtrcU5FdTkyZHo3S3M4M2dLZkxDMGs2bUk0YzdLTUtnaFRHN1dyckYwNnlCV080QzF6cmRqRUtaMTNiVGFDazBNOFp4NVZSV0gyd0FL?oc=5) · MontanaSports.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15964 (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/28.json (key "15964", 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=15964
- 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