# GREEN RIVER BASIN GREEN RIVER, WY · NCUA charter 18025 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/green-river-basin-18025 Who the members are: federal charter, community charter, organized 1967. 1,770 members of 30,000 potential (5.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 34. **Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $15.3M | | Members | 1,770 (-5.8% YoY) | | Full-time staff | 3 | | Net worth | $876,542 | | Net worth ratio | 5.7% (p2 of band) | | ROA (annualized) | -0.49% (p14 of band) | | Total delinquency | 0.07% (p28 of band) | | Net charge-offs (annualized) | -0.01% (p26 of band) | | Loans / shares | 31% (p22 of band) | | Cash / assets | 4.7% | | Borrowings / assets | 0.00% | | Net interest margin | 1.73% (p18 of band) | | Operating expense / assets | 3.30% (p64 of band) | | Vehicles % of loans | 65% (p59 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p46 of band) | | Vehicle delinquency | 0.00% (p19 of band) | | Vehicle NCO | 0.00% (p33 of band) | | Repossessed % of vehicle book | 0.00% (p47 of band) | | Real estate % of loans | 1% | | Credit cards % of loans | 3% | | Unsecured % of loans | 5% | | Commercial % of net worth | 0% | | Core shares % of member funds | 83% | | Certificates % of member funds | 6% | | Average share balance | $4,467 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 34% | | Loans granted per 100 members, annualized | 6% | | Average loan balance | $7,385 | | Loans granted, annualized | $1.4M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **net worth falling** (`cap_falling`) - **losing money** (`earn_negative`) - **margin squeeze** (`earn_nim_squeeze`) - **members leaving** (`shrink_members`) - **loan book shrinking** (`shrink_loans`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 4 | thin capital, capital below 7%, auto monoline | | | 2016-06 | 4 | | | | 2016-09 | 4 | | | | 2016-12 | 4 | | | | 2017-03 | 5 | delinquency rising | | | 2017-06 | 6 | repo signal, assets shrinking | delinquency rising | | 2017-09 | 4 | | repo signal, assets shrinking | | 2017-12 | 3 | delinquency rising | capital below 7% | | 2018-03 | 6 | capital below 7%, losing money, repo signal | delinquency rising | | 2018-06 | 7 | delinquency rising | | | 2018-09 | 4 | | capital below 7%, delinquency rising | | 2018-12 | 4 | delinquency rising | losing money | | 2019-03 | 7 | capital below 7%, losing money | | | 2019-06 | 5 | charge-offs p90 | repo signal, capital below 7% | | 2019-09 | 3 | | delinquency rising, charge-offs p90 | | 2019-12 | 2 | | losing money | | 2020-03 | 6 | capital below 7%, delinquency rising, members leaving | | | 2020-06 | 7 | net worth falling, repo signal, loan book shrinking | delinquency rising, members leaving | | 2020-09 | 7 | margin squeeze | repo signal | | 2020-12 | 8 | members leaving | | | 2021-03 | 9 | losing money | | | 2021-06 | 9 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2020-12-16 [Wyo4News Green River Small-Town Scholar – Brinley Kirts - Wyo4News](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZTRoblVDZmIzT2dIYTlUdlBfZjFETUUzRXFvU2Q4SjVRdkF1MlNzMjdBRmdBVWNyVFAzcGlzbnB3aWFVRFdLSlhxOG5lbUtBLWViajl5SS1VT0g3b2RycC1VekVOUmRlWDFNb0VBV25aVG1FYXFlT3UtYXhYYlhZWUp5aTFEU1U?oc=5) · Wyo4News - 2024-11-02 [Carmen Whitehead faces off against Marlene Brady in HD60 race - WyomingNews.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOZ2Fhc1U4YjkxNkFNQWpUamFIaEt5azlEQVFBSTdmbkZnTVRhQVdXbUFSZVBFZHBNbWhVa0t2Sm8wcTMyWldRaVVScGs5WDBHNHNBa1ZnUGpsdEd3R0VIYzNMU3UzN3l3b1k0TlphZEFXbkVOVXV5YzF0c0hoM2Q1ajd2ZGdSeEFOTWVQZ1M0Wl9VS0l4NVllRGlGTF84V1YxTnhLUWJqamU5Z0RFc19ZUTluS3J1aG1jczZUcUttcE1ncVB1dzFDcUpyZFBMMk44VUFEZjFNQl9yNWhpNFJDNVdCdlkzdw?oc=5) · WyomingNews.com - 2022-04-29 [A Bank Robbery and its Mastermind - SweetwaterNOW](https://news.google.com/rss/articles/CBMifkFVX3lxTE5LeEotSEg1YkF2SWZCamdMWkFOd0F5TkR3OWl3NG1UQ3RQSGw4T0Nmd1JSQTcwR1AwLXhHWEQ5bm5KSGFRMnlrajE3RUR4TmZhT3dOZnMzV0tyQzRNMjA1aEZPckc5VEpIVTJZcHVXUjRPUlM1SVVUZ05TeDZxdw?oc=5) · SweetwaterNOW - 2021-01-08 [Green River High School Athlete of the Week – Gabrielle Heiser - Wyo4News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMnduY2VaQzVQWEFCUHIyWFJkMU1mTlBMT1BVeXliOHJDS3JFdzdwU0YxWml5eklnMjd5SDJMYmZBYlNwaGNYTmFCQlVVa0FQWGhaU01FZ2NFWVFEQ0NLQ1hQSXpHdGFOOVVNMjk3U2hEYnhjczlnRzB0d3kteHVkYTlBRFNWQ0c4ZVl1UzdLWGg?oc=5) · Wyo4News - 2022-01-22 [Green River’s April Fool’s Day Bank Robbery | Rocket Miner - WyomingNews.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxOazlJaGFuaE5NQW92SWxJemV1NlFSU200dlZNanNvaUQ0Q0FhazhXRENxdVh0anp5VzZMd2xfN3ZwbmJRbTdzMi0zOE96X05VelBfQkJsTGlUQTJvNWVfWUFORGlRMGlsTHVHNEhKcEZUR1NId3V0X0FlUlZPMkRpd1d0Qm13NXVjX3J1TlhDb1ZFakFDNjR3T2F4bkE3b3FJZHNST1lPdVlhVjUzWmx3RzQ5eE9kc29MWkRxOW9Sb2VERFFidEVVVGs5V2lXUQ?oc=5) · WyomingNews.com - 2019-07-05 [What's Happening On Campus For Tolland College Students - Patch](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdmRQcUxPbEtQTElCQTNpSnlJMWNQYVJvdDlhN1MzVUNjd2ZFRkR6R2tVTVQyY25tS1V2UV9HYW9Da3lJYWtBZVBZdThHQjAzenpPNjBXRW9yVW55dnBnbkdzT0RCNHNBRm9wdmtlUDhlX2lid0kwZHc1NjJFSDRuRzlHbVFyTnZ2UGZmQ0ZR?oc=5) · Patch - 2021-01-16 [Green River High School Athlete of the Week – Trevor Brangham - Wyo4News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQjZrUlJNZFNRMVN2YUk4c1VEZEY2dlh1ckNvWDQ1ajFSNUdqQkNJMGFGZTFzS3ItR1publhYLXJ2Tm9CWVZqYzZSZVJUOUQyTEJ6Q2J2X1FFcTdnVXUzN1FoTjROaHhITnZaSjFNV09NV3ZDX1plWUZ4ZTNsS0lLczctam1jQlRwNS1qT3d2VQ?oc=5) · Wyo4News - 2018-09-17 [Sheriff, Sweetwater Scam Alert warn of new 'Fake Check Scam' - WyomingNews.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOVDhqUHJqTy14Qm5yczhIMUFvZ0pTQ2JEeVBwTXhTWmUtTm1DbVJqQkRJdzYzVF8xZ183NmxCa0tfVnNaalBMcHlrbWFuM0V1WmlyYllzT1ItaGEzYXB2YlI2NmNGNjFIVWlVRXpobVJRR3RRVVd6dzZYN05JRjVEQmVhYURTN0VBc3ZhTzBoTlJkMVd6VXVOeERqWm5UUXdabEgwUWJRYkhIRWs0ZHp3ZzdYYmF5R1dVMThhdnpWazdDU0k1NjZ1dmhMcTFhWVZkajRyQUo3akF5cFpKU3JfVkFzRjJ1U29QaVA1M21Uaw?oc=5) · WyomingNews.com ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=18025 (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/41.json (key "18025", 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=18025 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide