# JORDAN
South Jordan, UT · NCUA charter 24698 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jordan-24698

Who the members are: federal charter, community charter, organized 1950. 25,750 members of 2,634,644 potential (1.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $421.4M |
| Members | 25,750 (0.1% YoY) |
| Full-time staff | 84 |
| Net worth | $38.0M |
| Net worth ratio | 9.0% (p15 of band) |
| ROA (annualized) | 0.22% (p17 of band) |
| Total delinquency | 0.37% (p27 of band) |
| Net charge-offs (annualized) | 0.47% (p59 of band) |
| Loans / shares | 60% (p22 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p20 of band) |
| Operating expense / assets | 3.61% (p45 of band) |
| Vehicles % of loans | 28% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 105% (p58 of band) |
| Vehicle delinquency | 1.11% (p80 of band) |
| Vehicle NCO | 0.60% (p49 of band) |
| Repossessed % of vehicle book | 0.12% (p76 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 167% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 27% |
| Average share balance | $6,691 |
| Participations bought / yr | $214,760 |
| Participations sold / yr | $0 |
| Participations outstanding | $35.6M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 124% |
| Average loan balance | $20,129 |
| Loans granted, annualized | $132.3M |

## Participation posture (from the same filings)

Bought $214,760 and sold $0 in the latest annualized quarter; $35.6M outstanding purchased (93.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.8% 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 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 4 | delinquency rising, members leaving |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 2 |  | thin capital |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | losing money, margin squeeze |  |
| 2020-06 | 2 | net worth falling | losing money, margin squeeze |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | members leaving | net worth falling |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 2 |  | 3rd-party paper>100% NW |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | members leaving |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 2 | delinquency rising | members leaving |
| 2022-09 | 2 | 3rd-party paper>100% NW | thin capital |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 3 | net worth falling, delinquency rising | assets shrinking |
| 2024-03 | 1 |  | net worth falling, delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-13 [Severe thunderstorms cause concert evacuations, flooding across the Wasatch Front - ABC4 Utah](https://news.google.com/rss/articles/CBMic0FVX3lxTE5CeWRvTkNVSlVvZ25qZkduTU1HdDFYZ1BZU3JZdXFDbzVUZXhtSDVVOTFzNXFqQko5VmlJNmVLYVRrN0hjemtDNTh4a0EybzdOeXBHMHJfYVAzeHBHbWVkcUlMODM3UTljcXpUcXBveHZtZVHSAXhBVV95cUxNZUp5UFFxWWR0cmVVLUJDR1pKRzFyamRQX3R0R1dFODVUbGktODRjQ3o4RFpwaVZieS1JNTZvZFdZQ3RRZHBFdUNCYzd3cThuUG9LS2tFYjJxaVl2UnJvV1h1b2dQSU55a3FsaldRN1lSTXVSN05iLW8?oc=5) · ABC4 Utah
- 2025-10-28 [Utah Tech University, Utah Community Credit Union ink $7M partnership - KSL.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQTy1ld3JBYlg2d1ZoNHVNd0xtYlN2SFhlZTltSUxZcElIUUJfVFZkUWg0UWtCcXhuSTlhYnpoOHV6bDVwcHFQYk5yMHdPM2dfeG5kTlJ5YUFmNU5JLTZ6MVBFVDluQVRPT2dIWjMzdkF0ZTdKV0dRWGk1UndWN25jVXhKeldwRFY4LVBQYnRfVGNPV1ZMaXdKQmgxUkUtMFJzdzRRb1BzdENoaW9hMDdLNkVDMmF3NjREUHFGeHluY3FoZw?oc=5) · KSL.com
- 2026-06-03 [David Kwant Obituary (2026) - South Jordan, UT - Jenkins-Soffe Funeral Chapel & Cremation Center - South Jordan - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE44aUdnZnJiaXdYdU91VWI3U2FMUjlmTHZQX09CWm8zZnRzY0EtcC1hR3ktR1JkTjkzYXNjXzYxNko5OGhkOVhHLUxzREdoOWg2T2FzZDMxVEF5cXNQQm81YW9oc2FURWp3dkVMOEEzQUdFcno4LXg5eWU4dFV1Q2c?oc=5) · legacy.com
- 2025-03-12 [Utah man indicted for multiple alleged credit union robberies in Salt Lake Valley - Gephardt Daily](https://news.google.com/rss/articles/CBMitAFBVV95cUxNenl6bnV4ZTc4ZHBvaDM2VFR4bFltNmZUNjc1S1dwVThVUmItXy13MWhiaEt5MHI5azY1U1hibHQyOG43SW11NnltX1RONEF2R1RKYUxGbVN3QWdPVUI0Rlk0eVB1bld2aVZjMXJ0STg4djdoVmpIZ3RWekZ1aG5wLXZCZ3NzUEQzOHlKVnNPclBlSGFGNnNoVXJrR1VyZ2VWdFFacTA1WHpObXdvRGk2TTBjZ0Y?oc=5) · Gephardt Daily
- 2020-09-02 [Congratulations to our Teachers of the Year! | News - Cottonwood Heights City (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTmc5LU03WV9HYjFUTjdQQ3hGaXJQSkxYV05TYThlZ1luWFhVSFhFQ1lVNjRsYUtiVGZQbFRleV9CcjYtSUpyRDFick9xanczTURIQ3RWU2Y2Qi1kMmw0STVqdUQzX214bTJlZEZXb2k1YzFualo4cGJ3V3I1QlhNSmZOZGMzdlFoYzN1bFI1MElmZw?oc=5) · Cottonwood Heights City (.gov)
- 2025-03-31 [UFirst Credit Union to Unveil New Name and Make-A-Wish Partnership at Exclusive Press Event - PRWeb](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNMHhPWUZ1UkRab1ZyUlFWS1BkTU1YMnNpaVZPUWF1eUpPaDNEcU1jSERqTEpyM3NuNW9TRUJxaEFYNGF4N0dPNjZjLW1HbTJ1TFMyVWtIdE5ESFpQeFk5d2JTT1NHeGxpR2t0enpjdDRfQUVIaFNPNVB0TndZdnpCNXRVX29WQ2x2dl9lejBnOUxEYjN5eUZMZ0ozMEpCSW5OVzVzU0Y0WFdySm8yZ3dDcHJUY3M2WERxRlktdEZyeWhST2VSU05OemJ5YjF1UGVxMFpn?oc=5) · PRWeb
- 2022-09-08 [Dorothy Putnam Nelson Obituary Sep 8, 2022 - Goff Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBfSlNsVERsN3NtQk44UTZkaHl3UHlpTUxlOV82Z2RsQlNSSGJjd0pmdU5ZNjNoeW44NEFROFRIeEg0cFpsWWtfM2FZaldvd3lROXVsT2pGOGhjSTVpRmFBai1vbngta0FF?oc=5) · Goff Mortuary
- 2022-02-17 [Officers shoot, kill suspect in South Jordan after 3 pursuits - KUTV](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd3BZd1FVQ1hkVU9NRE9Uai01RnRMdHZrMjl0NEFZd1V6OGc1WFFobmNZc3Y0MlB0aUZQdG0yZ1Mwa3lwbnlTTzVXSG5GS1FRZVpfajFqYUwwXzdvcUcya1A1UGFMTkE2cDRXdzc2SV9LcExMelJfQnY3clpiRzUwVzNqcDFtZThQUGllYzF3YnVzZw?oc=5) · KUTV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24698 (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 "24698", 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=24698
- 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