# WYOCHEM
Green River, WY · NCUA charter 21498 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wyochem-21498

Who the members are: federal charter, multiple common bond, organized 1973. 2,511 members of 5,475 potential (45.9% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 85.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.1M |
| Members | 2,511 (-0.1% YoY) |
| Full-time staff | 10 |
| Net worth | $2.3M |
| Net worth ratio | 7.3% (p9 of band) |
| ROA (annualized) | 1.65% (p94 of band) |
| Total delinquency | 1.59% (p81 of band) |
| Net charge-offs (annualized) | -0.86% (p3 of band) |
| Loans / shares | 63% (p74 of band) |
| Cash / assets | 37.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p74 of band) |
| Operating expense / assets | 3.64% (p72 of band) |
| Vehicles % of loans | 58% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.70% (p84 of band) |
| Vehicle NCO | 0.16% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 12% |
| Average share balance | $5,471 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 85% |
| Loans granted per 100 members, annualized | 40% |
| Average loan balance | $8,556 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, repo signal |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, auto monoline |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | delinquency 2x band, members leaving | thin capital |
| 2017-12 | 3 | loans>95% of shares | delinquency 2x band, members leaving |
| 2018-03 | 5 | thin capital, delinquency 2x band, members leaving | loans>95% of shares |
| 2018-06 | 3 | net worth falling | delinquency rising, delinquency 2x band, members leaving |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 3 | margin squeeze |  |
| 2019-03 | 1 |  | thin capital, margin squeeze |
| 2019-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 4 | thin capital |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 6 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | auto monoline, losing money, net worth falling, margin squeeze |
| 2020-12 | 5 | members leaving, loan book shrinking, auto monoline |  |
| 2021-03 | 7 | net worth falling, losing money, margin squeeze | loan book shrinking |
| 2021-06 | 5 |  | auto monoline, margin squeeze |
| 2021-09 | 5 | auto monoline | members leaving |
| 2021-12 | 7 | capital below 7%, charge-offs p90 | auto monoline |
| 2022-03 | 2 |  | net worth falling, losing money, capital below 7%, charge-offs p90 |

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

- 2017-09-13 [Idaho Man Gets 30 Years in Prison for Wyoming Bank Robbery - K2 Radio](https://news.google.com/rss/articles/CBMihgFBVV95cUxOS1lUcXNheDlpX0ppakNWTDFxMWFDOHUzUmtUZE5RcURHLXZFRHNTbDlsODRpNHd4ZUl6cWFLcWg2bzhHclNIY2R6OFN0dFVUU3FUUUlBcUQ5SVhZbUI2QkdTcUJydkVBNlhvNm05WVEzb1YyVTZvd3JRZVZTcU9sUE94a25TQQ?oc=5) · K2 Radio
- 2017-03-14 [Baby, great-grandmother killed after SUV slams into living room in Green River - Gephardt Daily](https://news.google.com/rss/articles/CBMia0FVX3lxTE1ZQm4zbTJ6T3FEOHhmWXZzSThNZXVuc1NhOFV3REN1WmVLVUgyUG9KS0R4UUw5ajA3dGpCY1BBX3MyWU5MeWx2V1Zacjc4dkpJTHpOaHBGNWRnZDZsb3pXUWhmTllwSVJqeW1V?oc=5) · Gephardt Daily
- 2022-11-14 [Steven Micheal Brokaw Obituary (2022) - Rock Springs, WY - Fox Funeral Home & Crematory - Rock Springs - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMV9tODJRamRSU1ZITlllTW5PSlZoUEdrWnVwTUViSUNvc1JxVzYydHFkYUNyUjNib3Y5c1U1Z3lRRUo2azJGVXY2ckJnUHpaeTdRbTVzN3BVdlc2MFVsd2FBM3pSY2IzRGhCRHZCVHZMNnA2U2dYejU5WUktNHNhSmNGYUtWc3VjU0JYTg?oc=5) · legacy.com
- 2019-02-27 [Monica Lynn Anson Streeter - Bridger Valley Pioneer](https://news.google.com/rss/articles/CBMigwFBVV95cUxNYzRNU01XbzdnMGwwN2RqWWctUHIweEk1WG02YTgzNkhiNEdVQkRKRDZiSDJJeEJzTWNSdXZsTnBEclgwNFZSVnRDeU9KTElLNWlpeE5ZdW9KYlNmM3Y1V0h2NnRGM2wtOHBxbU9FaUd1Ql8wZXMzNjZlUWF3Y25PUkVjTQ?oc=5) · Bridger Valley Pioneer
- 2017-09-17 [Wyoming Federal Judges Sentence Seven Men For Robbery, Drug, Illegal Alien Crimes - K2 Radio](https://news.google.com/rss/articles/CBMiogFBVV95cUxQRGc0Vmdoa2FIeWE5Q3Jsa2U0YVJFSmFibVNzY0RSNmxtdXJGM0xvRDZrZlJsaUFPcjdDSkFFbEdfNjVqdXU4QmdueV9lN3FNZ2hGeHhab3BMdWltc0ViZ21LYlpkTFpld3F1enVOSm1tN2pMYmtTNDVnbHRncG82VnNmeUJmTWZkQ3Zad25JTDktZU1VRkQ2d3dVYlJ3bm9ERGc?oc=5) · K2 Radio
- 2019-03-07 [View Donald Sheets's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVEI4R2k3QmI0bF84UW1ORDNKMDk0bDZUUzk0VGxVQ2hXRGxLeTNoY0VHWE5LNVJIaERldGtJczdZd0tvc0Q5amxWWmkxdWwxWGpwS2dJR19zanMtQ25Ub05yWFlOZ1d6UHU1d3A2TW84VlVzMUxIckZ6MTk4N0pGbG9VWUh4Q3VoUUZ0ODFhaDktNU9oLWEyTzF3bnN5M3owVUFFUw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21498 (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/58.json (key "21498", 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=21498
- 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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