# LATAH
Moscow, ID · NCUA charter 19564 · asset band $50-100M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/latah-19564

Who the members are: federal charter, community charter, organized 1969, low-income designated. 6,945 members of 42,500 potential (16.3% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $86.5M |
| Members | 6,945 (– YoY) |
| Full-time staff | 16 |
| Net worth | $7.9M |
| Net worth ratio | 9.1% (p27 of band) |
| ROA (annualized) | 0.40% (p52 of band) |
| Total delinquency | 0.24% (p15 of band) |
| Net charge-offs (annualized) | 0.02% (p11 of band) |
| Loans / shares | 59% (p44 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p35 of band) |
| Operating expense / assets | 2.87% (p27 of band) |
| Vehicles % of loans | 20% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 6% (p59 of band) |
| Vehicle delinquency | 0.97% (p70 of band) |
| Vehicle NCO | 0.02% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 11% |
| Average share balance | $5,310 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $18,519 |
| Loans granted, annualized | $17.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |

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

- 2025-10-27 [Former Onaway City Clerk Wanted On An Arrest Warrant For Allegedly Embezzling Thousands Of Dollars In Public Funds - Dailyfly News](https://news.google.com/rss/articles/CBMi5gFBVV95cUxON3dNbEVLcnpVX0hicEtMRllEWGs4SkZBVHNEcHloczNlcThjWTZxel9vUUtsOGI0di0xYi0tRzFkV2FNcTNhVzcyb2VBaktFQlVxZ2YxdGlKVUZtTTU1MmtkV01FWG85ZVhoWmVUSUtIZDc4VnY3dTZRYVZmNVhDaXJPQVlERFc4TUFONUhaRTZVRkdjS0s4RWViMUh5TjhUN1ExOUJFUjlWZjRiQ2txX0hkaHRRV0p0ZkxndHV1bFRBMGdiUG1uTXBZeE91YTRZRi1aVGhBTlZZNFE1YnRINGRxLTg4QQ?oc=5) · Dailyfly News
- 2020-08-28 [Roger Peyton Wallins Obituary Aug 28, 2020 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTFA1S2J0c2ZSSk9RQW0yZ0JYWEdEQzlkLXlZM1cxczdnMWQta3NlNzk1bnl2OW15UGRfc0RpTHVpdjFkOGhuTlFfRTVUTThjaHJGTW9DbTdqSzZxOGF5aUpYa1MyNFA4YUNhcVQteQ?oc=5) · Short's Funeral Chapel
- 2017-11-01 [N. Idaho credit union apologizes after employees wear blackface for Halloween - KTVB](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPem9zQzMzNWFjMjFMaVpkc2pQbWYtb3dscUlqYTFLd0NzYnI1X3dlUnZwMkU3MlVvdHZsVXVuUXJLV2M3VEc5ZmhhanNsT0NUdzFrUENVREFjRW9WUUlRQUswT2paT2p4dUJjQ0lnY21JOUkwaklDZ0QtZmtpcEJoRVlLaU9zYXZhWjlDVWFuRjBoV19NV1VDUEwweXRwQWdQbGNraWZVcU5BUnNBdmhSdEFJYkNRVjQ2a2pPSmk3XzY0VXJ6T3VScDhTcVQ3NERqYVNmYjRaOFVQVEk?oc=5) · KTVB
- 2020-09-19 [Nicole Joann Lettenmaier Gilbert - The Lewiston Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxON3pfejY4Sy1kVzFRYm5qY3NDYVRaWHYxSkVnQnZQa3NHQi1nLTM3SUg5MmFnb2pxdTRNTHB6QWU0bWlUY2YxMHVtT3MtWHdnejhpNktpNlpQWmszRG1sOEpYS3Rrdm0tVzJiem1TZTAzQTI4akw2ZDBDZktJckZ3SUhGRWk?oc=5) · The Lewiston Tribune
- 2023-06-09 [Emily Marie Hunt Obituary (1978 - 2023) - Palouse, WA - KXLY - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQ2xsTmloWFgwLVpmbFduVzZuMUVlR2JOTG1WNE93T2VBRi1WRGFPQTVrcVRMN0owcTBiSVk2Tl9OUVlFY3Fib3VBbUhObWNDMGQ3aHJvUy1XeFNPWlZTajJ4Y0tIOThBZEZKVWg0NlNDWnBUb1QzZ1Jsd1RFMFp3WXBWRmU?oc=5) · legacy.com
- 2023-08-30 [Norma A Bendel Obituary Aug 30, 2023 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMia0FVX3lxTE5zQU11X2ltSmdILXpDMXp0T1hpZTItdFVrdDJNckY3VlUwMENWVHBqTDBXUEIzUmJwWjVNZF9TM280MTJoTEJlLXRqbTJ3S3RET3VLTmdDVVZ0NUoxSTgtNWw5V2YyYkV1NXVB?oc=5) · Short's Funeral Chapel
- 2009-12-23 [OBITUARY: Philip B. Sawyer - Moscow-Pullman Daily News](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Ua2UyUGprUFhFS1I4TUVtNUJKR3lTZGJmeEVEUXhLSXVUaXJjTXhFSW9jZnBNNkFwUzQ0Uzd1aGdKckc1eENyNjJBdG5QbTNERmc3SEpLTDRIQ0hGcFVrdEI3RUFod3lGQ0tLelg2VWM0aFpp?oc=5) · Moscow-Pullman Daily News
- 2024-02-10 [Biz Bits: New Lewiston hotel makes headway - The Lewiston Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTlNkZFNKNkRqd0QwZDlnS1p0bDlOcm9vUXVFc3BsalRYeXlHb2pQNlBBcHl6UFNQbEFQUFdfaXJnY01qdlIxMWctU2otTjFkdk5Ra19vMk1XTDF1R1MxS1g0Z0xuWEdFMHhGNlM0aXpWNlJCSlVMQk5WaGRkT00yMzlTRDBjMk95RnVITVhn?oc=5) · The Lewiston Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19564 (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/44.json (key "19564", 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=19564
- 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