# FIBRE
LONGVIEW, WA · NCUA charter 2191 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fibre-2191

Who the members are: federal charter, community charter, organized 1937, low-income designated. 120,234 members of 1,028,146 potential (11.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.82B |
| Members | 120,234 (1.1% YoY) |
| Full-time staff | 334 |
| Net worth | $244.7M |
| Net worth ratio | 13.4% (p86 of band) |
| ROA (annualized) | 0.89% (p65 of band) |
| Total delinquency | 0.82% (p71 of band) |
| Net charge-offs (annualized) | 0.50% (p49 of band) |
| Loans / shares | 80% (p33 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p75 of band) |
| Operating expense / assets | 3.70% (p76 of band) |
| Vehicles % of loans | 31% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 133% (p48 of band) |
| Vehicle delinquency | 1.58% (p92 of band) |
| Vehicle NCO | 0.82% (p40 of band) |
| Repossessed % of vehicle book | 0.23% (p86 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 25% |
| Average share balance | $7,184 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $37.4M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $18,571 |
| Loans granted, annualized | $328.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $37.4M outstanding purchased (15.3% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency rising | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-09-06 [Spanish homebuyer classes, more earn Fibre Federal this recognition - Longview Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWGR4SjduNi02SU1ZQUN5TEFZdFVMakkwTHBna3I4MjFURGhmTG9NVExscE13bzY2WDBnSG9xUG5vNkhrQVNzYjhRWjNkMHlLcmE2ME4yNjZHQnU0dXFNb1lmYmFDRDZySzVXcDdoRTBNN3RUOEZWcVpLRU5VbEhndUZGYm9OX21rVXRRLTRR?oc=5) · Longview Daily News
- 2026-05-29 [Red Canoe Credit Union Donates, Collects Funds for Relief Efforts After Longview Plant Explosion - southsoundmag.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNWHhyTXc5RlVtdURmYzB4VHRYMXljNDlNcXhGX0FSWHpPM1FGSVB0MXV4SWlMM05zck42RDQzVmtraEk0RDhoeWV4X1lpdUR0cHlNX2k1THdCTkZ3NzVmc1BYV2V5NHY1andhNWpCOFJzOXlaaUF6SGxneEtad25rdmxOZUJmcVFQXy1rODQ0U21oSEQ5Q0JEUUdrV0I2R1FSR05HUmdMNXVoblhVc1NnWXlNM1FXLVNaQlFDeDgzWS1iWmVYUXZYQXFSaC1LTHUyZGRZSEdIbmI5TDdRY2t2T2M0czZfTFQtVExB?oc=5) · southsoundmag.com
- 2026-07-22 [Fibre Federal tops WA, OR credit unions on Forbes list - Longview Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUkF0ZE5Dci1PM2ZzUGRBNDlLQVdrWkhEQklzQnIwNkJ6T2RLQmJTQ1hjdThaay14d1V3bGg5dmswQmtzcE45QkZwbXFwZm82Y1R3Y1czUnBxSjBnTTY1NWpOZDAxQnpzVXE1VnBTOVRVa0tmalhyclhUUlA2TGZoenRvVUpaXzBKWk5VV0pR?oc=5) · Longview Daily News
- 2024-08-28 [Fibre Federal Credit Union Selects Upstart for Personal Lending - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxNUHRGZ2RFYkNpOEhiRjBJaGVXR2J6eE1INWNULVNIZ05JcE43VzhnbFRaZ0RPMW5lLWpWT3NZZXBQZFBfZDZ0MndrdlZEY1BmMjlJSUJWVmRwd1Bhb0djR3IxQ2NvbGlUd2JEU25hNHEwWkIwd3pZUU5idkIxaGNZY3RKYTJ4XzcyTVlqVl9McmlvT3lhaE5lZFY4RHBTVkFZb0d6dW83SkhENWNvMFNDMHRldXd0c0tnTDNoVw?oc=5) · Business Wire
- 2025-08-05 [Fibre Federal Expansion to Ridgefield—Klog 100.7 News - 100.7 KLOG](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdmpxdW44NXhpQ2lIamE5SWRGS0FhUDVRTFZvQ050OHo2LXliYXF3ZGs0V1lpaHN3U1d0M0pOX05KYWh6bWNmSEQ3Y29UU0w3TEZRbnVtd081aS1GU1o4UUFoWk45YmNuSzBBQklHNDN5anUtNWNPMEQ1azdiQUdneg?oc=5) · 100.7 KLOG
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2024-10-16 [Fibre Federal Credit Union gives to Providence, Arbor Health and Centralia College - The Daily Chronicle](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMjNtMFJ3emdTUzRaSkhKWWNKOVhDamJ0UE1ENThrLXVRWlprSzVGQnMzYll2RDlINUVSd0FhNjRRVXF0bFBkQi15Rkx2ODVDbXd3SDR1dUFHeGh3eGlaZ0ZfamZqZENYNjNVVXNpWVFYODY5TVRsVmpTb3liZXNFcC1fR2N4cnhqUzBab240Y0FCa0tOdWFDdHFibnhjX2U1V05yOVZTWTRROXFrN2pVUlVqNnk5MF96ZWpPQ1d3?oc=5) · The Daily Chronicle
- 2015-05-01 [Fibre Federal Credit Union acquires TLC Federal Credit Union - Tillamook Headlight-Herald](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOZXUzdlJ5X3Q4UFhXWVJWOE1jUFRYbmUwdUxPTjF6SzgzVDFhakUxNlpEZXYyVEd3VVBpVHVUNjZ6RC1jSGhCM3Bva05mbXVCSk8zenZQRDF0ZTdNZThxYnhtUHFfWHJGOU1QamVVOFR4aWRkSi1OY0tsaFU4UzRqd0JrLS1XZU5TWmxzUnJWYklpY21TVkhxUXpwQlhKY1JOS0otU1lWTU9HMDBXaWF4V0t1aTFackhXbnNqLXB1RlJKamtSNHJuME93bmc5SG5sZ2twRi1EektDZ1RQbzByc3JkYnRVQXlwRmdfUg?oc=5) · Tillamook Headlight-Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2191 (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/15.json (key "2191", 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=2191
- 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