# WAUNA
Clatskanie, OR · NCUA charter 17990 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wauna-17990

Who the members are: federal charter, community charter, organized 1967, low-income designated. 26,781 members of 280,782 potential (9.5% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $400.1M |
| Members | 26,781 (0.9% YoY) |
| Full-time staff | 112 |
| Net worth | $36.0M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.33% (p23 of band) |
| Total delinquency | 0.99% (p79 of band) |
| Net charge-offs (annualized) | 0.78% (p82 of band) |
| Loans / shares | 86% (p79 of band) |
| Cash / assets | 3.0% |
| Borrowings / assets | 0.56% |
| Net interest margin | 4.28% (p87 of band) |
| Operating expense / assets | 5.29% (p96 of band) |
| Vehicles % of loans | 24% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 117% (p62 of band) |
| Vehicle delinquency | 2.10% (p94 of band) |
| Vehicle NCO | 1.74% (p86 of band) |
| Repossessed % of vehicle book | 0.47% (p94 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 156% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 21% |
| Average share balance | $6,644 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $24,044 |
| Loans granted, annualized | $69.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.8M outstanding purchased (16.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 4 | leaning on borrowings |  |
| 2017-09 | 3 |  | leaning on borrowings |
| 2017-12 | 3 | leaning on borrowings | net worth falling |
| 2018-03 | 3 | expense trap | leaning on borrowings |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 2 |  | thin capital |
| 2020-03 | 3 | thin capital |  |
| 2020-06 | 5 | net worth falling, margin squeeze |  |
| 2020-09 | 6 | members leaving |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 4 |  | net worth falling, members leaving |
| 2021-12 | 3 | delinquency rising | 3rd-party paper>100% NW, margin squeeze |
| 2022-03 | 4 | members leaving, 3rd-party paper>100% NW | delinquency rising |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 5 | repo signal, leaning on borrowings | members leaving, delinquency rising |
| 2023-03 | 4 | delinquency rising | repo signal, leaning on borrowings |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | leaning on borrowings |  |
| 2023-12 | 4 |  | expense trap |
| 2024-03 | 6 | losing money, expense trap |  |
| 2024-06 | 5 |  | delinquency rising |
| 2024-09 | 3 |  | losing money, expense trap |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | expense trap, repo signal |  |
| 2025-06 | 5 | assets shrinking | leaning on borrowings |
| 2025-09 | 4 |  | repo signal |
| 2025-12 | 5 | repo signal |  |
| 2026-03 | 6 | delinquency rising |  |

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

- 2024-09-25 [Wauna, St. Helens credit union look at possible merger - Tillamook Headlight-Herald](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNUWNtNkRYeXlDZERXblA5bFpCYzRHRmRaWlV2TUVmLWhzWHlwT3NadlVrYXlfdnIwSXZ0STZ5VlFtdzdFSUhrb2RZeXV4WmZpUm9fakI4bWt3TUJ4cHg0Zm5VS29MdkpqMC1uVjRyUlc5bE5kYVFkYkYyQ3Y4LWlvOEtvNHU1bjBMUEJId0J5ZTJkWEE5UjRuR2ZGdGFsM0kyTERscWdmRE9tVTh6X2I3VE9fSFF5cXBOaUFTaDg5aTEzUy11T0dRX1dQQlgxOElYMzNnajNrSUhURXpacjNlREl3?oc=5) · Tillamook Headlight-Herald
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2025-10-22 [ARC PDX: Dollars & Sense - How to safely use buy now, pay later - KATU](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWHg5b1F4dUhrWEJWemQ5SEJVNzBERUJMVUFFdWpWclVUTkNxNVhFeUM0Z1J3cE0wczJhSW5RTUJwSDYwYXQzQXBGQlNJVmVnWEVQYzV4M0JreU9waVBhMWl3TnN3X1d2TEdlOENZWVdDdzdoS2U0QlZrWVpQVm81ZlRiVGwzUXpxRWtYajVXRE0?oc=5) · KATU
- 2026-07-28 [Former Halloweentown organizer sues St. Helens for $2.5M - Columbia County Spotlight](https://news.google.com/rss/articles/CBMipAFBVV95cUxQVjE3ZHo5R2NlejVwM245OWh0ZXRFV3BFbmJidFBKcTNzZ1dnOWN3TDNpWDM2bjY3RTVIX19WVEhpRGM0TEloN0JKMERkdHdYdmM4VnlnQnFod0YtY1o2bWttYkJYN2I3V0hBMnZZWTBQenBKYzdLeEtQX1Rad1ZQYnFiNVpNTy1XSWJiM3ZtMWhJMGhVMi04STlIa0hFRndVZDhpdA?oc=5) · Columbia County Spotlight
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2020-05-29 [Emergency Loans, Special Offers, Employee Bonuses & More - cutoday.info](https://news.google.com/rss/articles/CBMikwFBVV95cUxPZ3hJWVpNM0IweHJ2bnlYN18wLTg4ZUFRWTZHaTlsQVFiZDJ4QUdwSkZwYUVkd19OaFMxbzZBRExfdWJrTlV4TnVyeGxYU0QtYjVlbU05dVJOM1BFNkhGR0tYOWQxZW9PajlwRW1NRTI5aTBneFdzR29laUwtcHRDenZHZDBqOEpYWWQ4RGpGVDNuWlE?oc=5) · cutoday.info
- 2024-08-30 [Soon Yi Sushi to open location in Astoria - The Daily Astorian](https://news.google.com/rss/articles/CBMihgFBVV95cUxONGp5V2M0UUptWHdDejdEM1lib0ltcWJvSjQ1ODBuVlF6MUJaaXFpMTZLcXBSQzByRVNodkRNM19XaDFwWmN3V25teWtkZmw4M2JNZTNOQlFZeEp5STFWY3pVc2p4M1Q0bWRVYVBRRzhjTU54NzZpQko5WUJtWE1pdnBtYmNudw?oc=5) · The Daily Astorian
- 2024-06-27 [Clatskanie wins majors and minors Tournament of Champions! - Tillamook Headlight-Herald](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNYlRsVll2QTdyXzUybE5uelNCNlNSa1d3dWRTQ0lqeXJLbVRNeXVmQUZKclc5b2lORmlYUFg3dllkc0lUZjdoVXBKMFFtNnRoTF8zcjRaaF85bVFtQVNKeGIzdkJScXBBY0V0c05qd1puNGlsT0JiWjJWdWp6Zzhudk1BX20yWHo2a3p0bFpGVlltbFN0UXNjbkRzZTZqUlVhekJPQWdvZnN4dUZzMUpWbjdrRnkxVlhZc19xUXJjMnc4eUp4ZjMtcy1XYWNfd250WTRWN0dJM1N5N0V0NmpkN0ZxZ3hRdDBE?oc=5) · Tillamook Headlight-Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17990 (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/6.json (key "17990", 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=17990
- 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