# GRAND ALTITUDE
Lander, WY · NCUA charter 16009 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/grand-altitude-16009

Who the members are: federal charter, community charter, organized 1964, low-income designated. 12,599 members of 567,500 potential (2.2% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $217.3M |
| Members | 12,599 (-0.0% YoY) |
| Full-time staff | 37 |
| Net worth | $29.9M |
| Net worth ratio | 13.8% (p80 of band) |
| ROA (annualized) | 1.33% (p85 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.29% (p40 of band) |
| Loans / shares | 85% (p77 of band) |
| Cash / assets | 17.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p75 of band) |
| Operating expense / assets | 3.45% (p40 of band) |
| Vehicles % of loans | 33% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 22% (p32 of band) |
| Vehicle delinquency | 0.64% (p55 of band) |
| Vehicle NCO | 1.48% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 116% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 29% |
| Average share balance | $6,759 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $23.9M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $28,759 |
| Loans granted, annualized | $21.9M |

## Participation posture (from the same filings)

Bought $2.4M and sold $0 in the latest annualized quarter; $23.9M outstanding purchased (80.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 1 | repo signal | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band | repo signal |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 1 | delinquency 2x band |  |
| 2017-09 | 2 | 3rd-party paper>100% NW |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 1 | losing money |  |
| 2019-03 | 0 |  | losing money |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | net worth falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 | charge-offs p90 | delinquency rising |
| 2023-09 | 1 | delinquency rising | charge-offs p90 |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-07-29 [Grand Altitude Federal Credit Union is Built to Help Wyoming Reach New Financial Heights - County 10](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVmIydnF0bnhpN2ctRkpucS1lY25QaTNENXVvTG5qdTd1TXZQVXRFeWkxMUN1SDE3NUJDaUd0MGN5bHAxRnlHMVhxUVJHWXRQYk5FLWEzRERBS3d3cGxIa1FlZGJzZlZQS2NESkdNYUhWZG1TOVRHdk5nekxnXzBiQlk0Wi1sSXQ2WGlfWnNiS29rdWxBcDNLLWtibGx0aDk4YXZod1VuWm1qQjhnSlhR?oc=5) · County 10
- 2026-03-07 [Grand Altitude's Rohrbacher named as one of 18 nationwide inductees for Credit Union House Hall of Leaders - County 10](https://news.google.com/rss/articles/CBMixgFBVV95cUxPazJFa0JwM25MOU03eXNXbmZPdVUwMVc0bGNBLU51VXAzTUJERTZnVG1QRkpjeENIVDRRUVZ3NkJRa2xZQW02QXBwZDYzRFpaM3owSjUxa0tWRmdwcEVUYVp4Zy1pOFMtN1B5R1g4MFpwUk9SS05OQzFOcldYeEJMS3pPNzlpNl9UaTJYNEpTX0c2THJJLTZ1NTVMV09KUlNYUkdoZWdtTl9oZmdNWFd5dzdmV2ZpVVJoMmZBSmV1ZGlRRGtZeGc?oc=5) · County 10
- 2025-11-06 [Grand Altitude’s Rohrbacher named GoWest 2025 Summit Advocate of the Year - County 10](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMFZULUEwZ00tUlJnajk3VVMtZWtUTDBGSUlhazFkcWhBdnpKREg0amw2cUlBZ29nX3JXdTR6eEhSRHNyUEZaV09RZWFWd0Q3dl9mck96d0FOcHktamhtVWYwTl9zSEM5a0sycDZBWkZ2Y1M0cFE5bmZOY1BRV2RnaENQMVc1TnBKbGZoY3cxTTdQc3NhSjE5T3Rn?oc=5) · County 10
- 2026-09-02 [Dealership helps police remove snake from bottom of car - upi.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSkhDRnowd1ZYNjktYkUtQkExaWRIR0h1bmNnQWxpX0JOX2pQeUhUajAzY0ZjeUxud1lmSGpDckpnbG5ONVRKRGhxemhUTzNNTW05VzlBcEtqOEZsRGJRc185OEl5bGV3WlhKTXdaVG1TSGVJVjVDbmVIUjFGXzNWb0JLZ0dtMUdDOWhEWDZBWdIBlAFBVV95cUxPY3FQUXpSSmJ2d1poU1pmTFgzZm43RDZEbkpVYnEzM0NheXdKRHAxMjNWdEVLZnE5Q2FEWVhFTmdZTEI5LUpkSzF1UnlmTjV0VXJBZlBTZklfXzJnNURBUEk0YldQMzljQml0OHg4VnlJY000SnpnZE5GNVk3Ni05cm51ekZURTRhNk5TMGVnbFVERFVv?oc=5) · upi.com
- 2025-12-17 [Derek John Peart Obituary Dec 17, 2025 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE14MlpGVnQ5Y2d5LTJXWjVtdnFaVHdwdFBSZ0RWZXhVVzc2eTVEc2dzRzZOMWtENVIyOFB5Y2xBTUw2MTRmTlU5cWRhOEJURm8yZ3ZBak8xMXRsUzhMaHhfcTJBaV9ieG8?oc=5) · Lindquist Mortuary
- 2025-08-22 [Roberta Ramage Obituary - Davis Funeral Home, Riverton Wyoming](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9KTVZDV3ZHRy15VlFVazE5WF9pekFabnJoOUxfanpiZS1IcVhNX3dTNGNZSXUxNmlBV3U5QnI5V2RPemlTZUxHcWRuVWVNb3h1Q01xUDd5clVLcXhuaUY0?oc=5) · Davis Funeral Home, Riverton Wyoming
- 2025-06-17 [Atlantic City FCU Unveils New Name - County 10](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9GRVVqdGJvUzlmTHgzazBmdTByVG1KRkJmRjBPNlJOYWl2c2JKcWFZTVBZOV9SRHBlVDdHeTAtZFE3LUhDMWJJLU9KeWJYRXAzTzNMUUVrQWswMjVRSDRVTXhNTEYzdms?oc=5) · County 10
- 2025-06-16 [Grand Altitude Federal Credit Union makes things official with ribbon-cutting ceremony - County 10](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcjUzSHFPNnpXeC10VmVYVnlKczgydUlOM0FRdnJ4d2NiaE1HcVNZVDVENFQzVHNlS1hDM2JVdXl4VllzX0RuZ1Q1NmFOdE5DZjdOc21CUFUzakhUdzhEeTZuWHdTN0JFOC03UTBPZVZ0SUwtZVg2cFBXYUlpelhLbDQxQk5mX2JKRlZ0eDZjMFdTN0NOb05qdlY4d2FIQzQ3MzlNWms4NTFnSXBY?oc=5) · County 10

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16009 (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 "16009", 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=16009
- 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