# RAVALLI COUNTY
Hamilton, MT · NCUA charter 19732 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ravalli-county-19732

Who the members are: federal charter, community charter, organized 1969, low-income designated. 6,272 members of 48,000 potential (13.1% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *fortress*. 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 | $89.1M |
| Members | 6,272 (4.8% YoY) |
| Full-time staff | 17 |
| Net worth | $12.0M |
| Net worth ratio | 13.5% (p57 of band) |
| ROA (annualized) | 1.82% (p93 of band) |
| Total delinquency | 0.04% (p5 of band) |
| Net charge-offs (annualized) | 0.42% (p66 of band) |
| Loans / shares | 75% (p77 of band) |
| Cash / assets | 12.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p89 of band) |
| Operating expense / assets | 3.15% (p35 of band) |
| Vehicles % of loans | 36% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 85% (p82 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.83% (p78 of band) |
| Repossessed % of vehicle book | 0.31% (p94 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 17% |
| Average share balance | $6,482 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $20,338 |
| Loans granted, annualized | $19.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | repo signal |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 | net worth falling | repo signal, delinquency rising |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 0 |  | assets shrinking |
| 2019-09 | 2 | net worth falling, delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | net worth falling, margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | thin capital, net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | thin capital, net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 0 |  | assets shrinking, delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 2 | repo signal |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 0 |  | repo signal |

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

- 2024-12-02 [In One Montana Town, Women in Need Get New Financial Support - Next City](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQjFkRUdNVEtaWkYzdnF3QXNzSXBxeHNQcExVQkRTaE1tb1dwZGl4S2tvMVJVMDJraVdndXJ0dk1GWmh3bHJuT0ZPUDFuRG5HTDl1RW1OY0F2Y1huUnZweE9KNnhqMGExejZqdlNMckRWZkl2RUtKQjdtbzg1U1ZSNzg1VzR1LXU0WVRjUA?oc=5) · Next City
- 2025-06-03 [Annual Jean Matthews concert series to launch June 10 - Bitterroot Star](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNUtsdDcxSFhOdEtvZGp6aWpCMjl2X2VPQk1CMTdBOTFJbklTbGpnVExORTZLMGZ0Z3E4eVZZbExLQnJoUVJYcENualdtejRzc1BkZnRHZHdUbXJ0Vjd6emkwdjZ5NlFkR1hsVmhtWW1zTllpYURCTHYyY2dlc1VPOWJtOFljSmpPM3c?oc=5) · Bitterroot Star
- 2022-06-27 [Ravalli County woman merges Montana history and community together - KPAX News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMjcyS0FzOEdKUTR3eEVaOEFqdUNMSmZuRm5vTWFDS3RwbmktellobkxXWlNDVk9meFlUdExET2VtbGp5N1N1b082SDV4UGZyemFUQThocjNVRHZJNDMxQnItRmpyQzhxNEJKaXVfUTJsN3AzY2UySlhiZk1WRkZrc1o5OVE1RTlXUjZoX1FuS0FOSjZFOVdXMWpQU0ZJTUpkTTRMbnB3?oc=5) · KPAX News
- 2023-03-26 [Geraldine Hill Obituary Mar 26, 2023 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBOUkpJMXBzSnJ6LU5nTzlSeFc1SEZjYV9GRXlFYm8zNU5LcFJqeExBWGdIZ1I4ZUtRdlQ1dmx3WU5mS0tieHdKeG1FZXcyNzQ1TDN3aUQ3YUNWTk93QTY5czBOLUM?oc=5) · Garden City Funeral Home and Crematory
- 2024-07-25 [Jo Whitlock Obituary (1937 - 2024) - Hamilton, MT - Ravalli Republic - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPOHlZZ3pYNENuak1SMDY0cE11Yzc2TTIxMjRBQ21yRUVNcmFjbFhDbmVZWkR6TlNBVVVjam9LTUZ1OGtDMmUtMFBCWnhDbG1rVlU4ZmZ1R09ZWVVfZ2dHZGhHXzZDamZfYTlsUDBvdlpwOVJiT1Iwei1meXNYUkhjQjNIUjUxcko4bFFaUXAwUG5ZNFVE?oc=5) · legacy.com
- 2024-01-26 [Tax Help Montana offers free tax filing assistance - KRTV](https://news.google.com/rss/articles/CBMie0FVX3lxTE5oeE5CNXNYZTU4ajNOdzlTYU5lY2Y3Q1g4VVdtNF9uV0NRSnJRMkVabm1XWDh3UDRfU0ZFdzVSZmxuclF4MFBRMVprQWNvem9FNnpsM2R6YUFLRk5pMUNvMUp5aXpqS0FqWk1fbkhla0V4NWpJM29WR1dSWQ?oc=5) · KRTV
- 2024-06-28 [Kimberly Thole Obituary (1969 - 2024) - Galt, CA - The Galt Herald - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRzdDejZNaGVzMHlKSC1kazZBLTBnbXR5LVFoRU9wYTVNWHdmMXpDTHBOdlp2eW9BdUZ2SVhka1h5Q2Y2blF5Tm0yRHRUcUdWT2F4Q0puTWhRM09NaW1lRzFjTEVkVHBKaExNQ3BNcDRjWDRydzFjcHlzdHRvc3ZkcElHMzhvaVFPZFRRSmQwcWY0Zw?oc=5) · legacy.com
- 2011-05-10 [Whitney Golie Obituary (2011) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOV05BWUdXT0RDbzIyc3pTdUNFOXhieURMZy1pdkJXREtFMnM3TnR5bDYzS01HcmhvZF85cGZzeU01OHBnUWt1S1U2bjNkaWRrTnotc1ppRWRzSnAzcFRwbUY5WDlSdU52MDIwcGhkYWpMN1k2Z1luMEJuektSbXdpdVZOYkx4aWRfMzJKX2paV2lPamg5XzRVaWd3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19732 (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/20.json (key "19732", 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=19732
- 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