# CALCOE
YAKIMA, WA · NCUA charter 2237 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/calcoe-2237

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 3,541 members of 233,000 potential (1.5% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $44.2M |
| Members | 3,541 (-3.7% YoY) |
| Full-time staff | 9 |
| Net worth | $5.4M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 0.68% (p55 of band) |
| Total delinquency | 0.83% (p57 of band) |
| Net charge-offs (annualized) | 1.24% (p88 of band) |
| Loans / shares | 83% (p84 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.45% (p72 of band) |
| Operating expense / assets | 4.67% (p73 of band) |
| Vehicles % of loans | 50% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 200% (p99 of band) |
| Vehicle delinquency | 1.56% (p74 of band) |
| Vehicle NCO | 2.41% (p94 of band) |
| Repossessed % of vehicle book | 0.09% (p92 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 21% |
| Average share balance | $5,415 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $19,586 |
| Loans granted, annualized | $4.5M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | thin capital, losing money |
| 2016-09 | 4 | thin capital, charge-offs p90 |  |
| 2016-12 | 2 |  | thin capital, charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | margin squeeze |  |
| 2017-09 | 2 |  | margin squeeze |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | thin capital, net worth falling |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 6 | losing money, delinquency rising, charge-offs p90 |  |
| 2019-06 | 7 | net worth falling, assets shrinking | delinquency rising |
| 2019-09 | 7 |  |  |
| 2019-12 | 7 | loan book shrinking | net worth falling |
| 2020-03 | 6 | margin squeeze, members leaving | charge-offs p90, assets shrinking, loan book shrinking |
| 2020-06 | 6 | net worth falling | losing money |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | members leaving |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | members leaving | thin capital |
| 2021-12 | 3 |  | members leaving |
| 2022-03 | 3 | losing money | margin squeeze |
| 2022-06 | 5 | net worth falling, delinquency rising, leaning on borrowings | losing money |
| 2022-09 | 3 |  | net worth falling, leaning on borrowings |
| 2022-12 | 4 | leaning on borrowings |  |
| 2023-03 | 3 |  | leaning on borrowings |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency rising, members leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 2 |  | auto monoline |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 2 |  | delinquency 2x band, delinquency rising |

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

- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2026-08-17 [Business tidbits: ICCU opens two Yakima Valley branches - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQ2t1bEtIZVZ0MjQ3V3lITm9lYTdwMGZfOC1aTFIzQTlLQ3pHV19hTXhRWGtHbWpaR2dTVlNva1MyMmdtOFFIZ3RQNHROMGs3b0xvckYtSXBsMlJjeTVET1hCbzhGR0F3VnJQcXpodHlvRTZVSHNQT0hieXFibGVZSHdocDBGeWt2eElGdFVENFhhQQ?oc=5) · Newsweek Rankings
- 2022-01-11 [This Prosser man used notes to rob banks. A grand jury handed him an indictment - Yakima Herald-Republic](https://news.google.com/rss/articles/CBMi_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?oc=5) · Yakima Herald-Republic
- 2025-10-22 [Solarity Credit Union Expands to a New City in WA State - News Talk KIT](https://news.google.com/rss/articles/CBMickFVX3lxTFBERENZVFJDaVlmSXRIT1A4cTFGMFRXQS1fbG9nblZJazFEMXZnZ2x6X2x0UURRVGVObldKLUZJZE9fMG1OdkFGNDRiUnFFSGVuRW9DTHMtMUxWSlU5X3Jad3djSGM2aGQxblhjUGxiaEJLUQ?oc=5) · News Talk KIT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2237 (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/61.json (key "2237", 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=2237
- 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