# SCENIC FALLS
IDAHO FALLS, ID · NCUA charter 20721 · asset band $50-100M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/scenic-falls-20721

Who the members are: federal charter, community charter, organized 1971, low-income designated. 7,311 members of 90,000 potential (8.1% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $61.3M |
| Members | 7,311 (-9.3% YoY) |
| Full-time staff | 14 |
| Net worth | $5.3M |
| Net worth ratio | 8.6% (p22 of band) |
| ROA (annualized) | 0.01% (p13 of band) |
| Total delinquency | 0.61% (p47 of band) |
| Net charge-offs (annualized) | 0.61% (p75 of band) |
| Loans / shares | 79% (p78 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p60 of band) |
| Operating expense / assets | 4.75% (p88 of band) |
| Vehicles % of loans | 44% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 143% (p83 of band) |
| Vehicle delinquency | 0.56% (p51 of band) |
| Vehicle NCO | 1.15% (p87 of band) |
| Repossessed % of vehicle book | 0.20% (p89 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 25% |
| Average share balance | $3,912 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,111 |
| Loans granted, annualized | $13.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 4 |  | net worth falling |
| 2017-03 | 4 | members leaving, loan book shrinking | losing money, charge-offs p90 |
| 2017-06 | 5 | assets shrinking |  |

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

- 2025-10-29 [Roger Jones Obituary Feb 17, 2017 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBILUd0QzJMdjBEZU5nUm8tWGN1ZjlhVi1ZTlVSbmNpNFlISVVBR2FxbzZHTTIxZFNXWDR3dGtSZjA2UDhhWGFUdlYydkhLTFhXQ2xMbm94dklROVUzZzdrdFpTME0?oc=5) · Wood Funeral Home & Crematory
- 2018-04-25 [Idaho credit unions grow through mergers, membership rule changes - Idaho Business Review](https://news.google.com/rss/articles/CBMilAFBVV95cUxQTDdMeHBjNUkyQXlWZ1pROVA2SnZwZmJlQTZ6WEhZVVRyYVlIaW5pczRsNmdhaW1JbkVjV0NwemJqMm51dmV1UTY1MnFUakpIVGtxby1SV1pteTMzQ1ZMaTRNYm1XcGpqSkJVMm1lN0E2T1l0VmZIRjQzRjFMT1Rqb0RzaHl0QXVEM0djNVRIc3pKekJj?oc=5) · Idaho Business Review
- 2025-10-13 [Michael Sheets Obituary Sep 18, 2006 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9LQUd5ZmJvVzQ0OERWUU1UTnhmSGo1SkdlempZbzdCXzJ6UElxQnRtRW5jdlZSQWk2MFhuVS1PQ3VRWTFtOVE2cWFrNFN4MUwxeGVPdkdBMmlaSE9vdXQxZTRacGl4d3Qt?oc=5) · Wood Funeral Home & Crematory
- 2025-10-11 [James Thomas Obituary Jul 8, 2008 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE85LWY4YXdCSURZN2FQSllPYTQwMEhaR2ZXR1I4WkFBWmN5Z2tMeGdtWVM5YV9qUlBkS25WUTktQV8zYWNmZmlHNmNXT2hCTzBjSkVCYXNtLXYxSmVZV1ZFZXhHcXU3dw?oc=5) · Wood Funeral Home & Crematory
- 2008-03-20 [Justin Shreck Obituary (2008) - Idaho Falls, ID - Post Register - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxOdktoXzlVQnM0M3RmTU1BSlRTU1g2QkVOMWtMWTE0M050U2pBUVdQUFFhb3pQXzJ2UV9pbmVUaVJCTFB1LVE5UmRDSHdRTjB2VWdLMFlkR3pDazJSSlRmTnZhMGFlak5MVmJPMFBKU3hqb3lJdU9zaVhVRVVTNlVTckpibkYzQ3IwaXpMWERuVDhXTEE?oc=5) · Legacy obituary
- 2009-01-22 [Dakota Furukawa Obituary (2009) - Idaho Falls, ID - Post Register - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOT2xPNlJHQ2dwQzd0RDh4YU1fZDhWNENCZTZiY193S0dLS0NyWDlMck5Ga0ZzeGFWM2NtempDWENVNlg0dDVuYXRNRlNPRkYyb2tyWEMxdk8xSGZ4VGRLQzBRdkY2WUJ4VW8zTnNMeC1WUUFHREJFMmlZTlJoenRrQUswLWc5SFhBUWF5cGloc2xyYjFTRFE?oc=5) · Legacy obituary
- 2026-04-09 [Patricia "Pat" Attebery Obituary Jun 26, 2006 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTFBZU25rZHc1YlZYUkh0bXF4TGw4Q25qYUpzN250RWFfQkFNd3owSzM2dlk4a3NKY0VDd0IwNFNSeEZEM0JMb0dSV3kwdzJtX1VzTzFCYXlST2owc2lpRVAzalRqSF82dEwybXhjZQ?oc=5) · Wood Funeral Home & Crematory
- 2025-09-01 [Brian Love Obituary Nov 16, 2009 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9XcGJBb0VqOVUwN3cyX0kyaGJBaXB5WWh6U21yOTdMN29QeFEtWVFTM040dUNJTzVwVjN4RGZsNGhnMk52bktnOWVkc1FkUFNreExaczRlUjE3OWFzOEJiM01Hdw?oc=5) · Wood Funeral Home & Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20721 (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/49.json (key "20721", 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=20721
- 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