# EASTERN UTAH COMMUNITY
Price, UT · NCUA charter 24709 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eastern-utah-community-24709

Who the members are: federal charter, community charter, organized 1968, low-income designated. 12,689 members of 50,000 potential (25.4% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $224.5M |
| Members | 12,689 (1.7% YoY) |
| Full-time staff | 40 |
| Net worth | $30.2M |
| Net worth ratio | 13.5% (p78 of band) |
| ROA (annualized) | 0.87% (p63 of band) |
| Total delinquency | 0.91% (p75 of band) |
| Net charge-offs (annualized) | 0.49% (p61 of band) |
| Loans / shares | 66% (p33 of band) |
| Cash / assets | 16.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p43 of band) |
| Operating expense / assets | 3.02% (p23 of band) |
| Vehicles % of loans | 39% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 89% (p54 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 1.05% (p72 of band) |
| Repossessed % of vehicle book | 0.27% (p89 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 35% |
| Average share balance | $7,202 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $14,473 |
| Loans granted, annualized | $39.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | delinquency rising | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | delinquency rising, repo signal |  |
| 2024-03 | 1 |  | repo signal |
| 2024-06 | 2 | 3rd-party paper>100% NW |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | repo signal | delinquency rising |
| 2026-03 | 1 | delinquency rising | repo signal |

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

- 2026-08-21 [Eastern Utah Community Credit Union helps local students start the school year prepared - ETV News](https://news.google.com/rss/articles/CBMizgFBVV95cUxORjd2LVB2cEVEdXE1WGVxRFljRVRxejU1RWJiNzNaSjRUam5HdzV0Tkk5NElnOExQOGRYMkRYWTVpWkRZbTlQRzJoN2FYVG5NZTBXU2RZZ0FfdHdQVkNGUnBTcEdGSXhLRDZsbUtzUGhGXzZVRUhqREJxNFRSQlllT1dNWlNxdmdzZFFDSUlsUTJjaFhqV1N0MUhNV1duenQ1X0NyRDBWX1RzOVhmOUhMMUFtZXB5amx2LXFUU2hRN1p4S2JuekFheWEwVHBZdw?oc=5) · ETV News
- 2025-10-06 [Eastern Utah Community Credit Union prepares for annual Pumpkin Festival Oct. 9 | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMixAFBVV95cUxPMkMxUU5CMGVJOTZUNjUxN3hDVFRodDZWTnRJaExqYUxfSXA3MW9qWWNVRENwN1JlZ0dWWHVvMDZlUHNNeHU3YUtmWkN3TW1PaEM3Yk9TSFBlYnk4MUI5T3FzWlRTemxkMkg4Wk91LUUwMWF3WmczTE81UnBxVGJnajUxOGtOWmRtdlFaQ1c1RXNVMTFoWHlETU91R0xvRlFmMXBjTnV5ZWxHMVJWRUtuZm84YWR5dGtTVll0YXViT1pBd0tX?oc=5) · Castle Country Radio
- 2024-06-03 [Eastern Utah Community Credit Union talks their Make the Grade Program | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPaFJQMFREd0RYam1IYkhvSWF0REotUTdHbXV2N0JfMFlZUGY0Q0RvR3JjbEI4SGhmLXRlb3pfT040Z2ZTUmxjLUduTmdVSTYtV3BZYlp2MDBjcmlUSjU0UEN2cjNwSXlhS2dNQ2NGOHhmRzNuT2IyNDlCODgwMjZIQ0ZlcmtqeHAteXZQR0dhdjg2TGstSU43ODQwWVlrVUF0M2lYYTlYU2pBN3ExQ0REcGg5b2g5OHVf?oc=5) · Castle Country Radio
- 2024-09-13 [Eastern Utah Community Credit Union Athlete of the Week: Rydge Butler | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMitgFBVV95cUxOMUNwbzJrYnRjQ2ljcjJFM2gyX1VpY3U0S2NNNFU5V0doT2lSdnZxU085R0JqU2tiTWE2SzlfbTZNTnFCY05kWFFoNUFyamp4a3dOckRhaVFVWldYbUhIVy1DTUFJRjhZVlNyQ0JZSXBqTmNOcU9MVlBiSmdwWDdRS19zcF9DX0JaRThDQzBnVk5NMXlYQzlLUWxuTmpORmQxdEpDWklhU1ZGYklLSWk5b1R0RXBxUQ?oc=5) · Castle Country Radio
- 2007-04-27 [Weston Wyatt Obituary (2007) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaXZPUUczdVZKU1QyQ3VxeGFFLVVtazc1aV96Q3FKRzBCU2E3QTZ4Rkltakdvd05QZEpGelU0eHBRQTRzRHlTeVJVdWowM3RrSm9TMFRhX09QZWlpT0hlMXI2c1kyMnlCd3ZlWnFIVjJPencwSFhSUFctWFgxTVk5c01TZS03RURQUGFNQjhjYlV1X3hmRWc?oc=5) · legacy.com
- 2025-07-02 [Dave and Ryan’s Movie Review partners with Eastern Utah Community Credit Union for member exclusive premiere screening of ‘Superman’ - Castle Country Radio](https://news.google.com/rss/articles/CBMihwJBVV95cUxPb2dUOXZ2b1IyT2lGVUFhOVkwR3JtVzE5NTItLTlrYzBISlRMMWJlN3BCSEVjTTc3cWZaOWZUc2cwUUQ3SE1wRzk1Rjd5MFMwSi1WY3kxQ0g0Vk1fc1NFSTA3TXF6Vk9sNThRcC01SG1rRkxlQkVpd19pZTFfd3dUUlg3bEJSR2tJcEZPdUpKMWk3ZVZPMHhJTjJjd1ZCekNTZGEwczcwdERING5LbUVZYV9FQkJ1RnlPenNxX2x1N1psblBZUWpUbjRoM2lpbmp5dHN6MkdLUkFyOGsxY3ZCVEpOdkg3cncwVUM1TExLa25EdDVSR0pMcXplMk0yWnpwRkQ0YVFSbw?oc=5) · Castle Country Radio
- 2004-02-29 [Justin Bentley Obituary (2004) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPTDNmSGRBUzg3MnRIYThrRWJZNjNiblVsd2pSQ25naUktd1ZUdTlZZWtrb3hySWJkcmFiQnIzYmhnWGFUQXIyQjUyMk5kaGQ3a0ZWZW9TNTZrcmxlWERJcTduRjRVYjFKcVk3UkJ5V0RRMXRpZUJ1UjlwcXJQUF9WTUFBSF9UZHpFUENpNVpzV05wR2hCUXNlZg?oc=5) · legacy.com
- 2024-11-15 [USU Eastern Volleyball player Audrey Atwood- Eastern Utah Community Credit Union Athlete of the Week - Castle Country Radio](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQZGJXeWZRWFlQOHd3NzlQOE1VSWRPdk55bWdQV2t3QzJmZUxOeWhfRkRwQ0VkUWJ1MmprZGZGcGt1aWcyMjlUR3BuOWFORU5CUjkxZzBzSnpZNGEtaDJnZC1Xc1Z0RS0wZzZqWVpEeGoteVpPVEFBdHgzRmtVeUtscDluN3dULVc4Yzg3SmdIVXF6LXd3bFZsV1k0SWltWVBkMmh6SDVIN0VJWTlWcFAyUHU1eDFGT0lKbTdPR21McXIxR3BraVNmNGxfQUVLRHVNOTVGUnNsU0FnZlpocnhF?oc=5) · Castle Country Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24709 (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/5.json (key "24709", 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=24709
- 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