# YELLOWSTONE
YELLOWSTONE NAT, WY · NCUA charter 2472 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/yellowstone-2472

Who the members are: federal charter, community charter, organized 1937, low-income designated. 651 members of 2,000 potential (32.5% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.4M |
| Members | 651 (-0.3% YoY) |
| Full-time staff | 3 |
| Net worth | $381,819 |
| Net worth ratio | 8.7% (p11 of band) |
| ROA (annualized) | 1.20% (p90 of band) |
| Total delinquency | 1.34% (p64 of band) |
| Net charge-offs (annualized) | 0.04% (p27 of band) |
| Loans / shares | 61% (p49 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.26% (p78 of band) |
| Operating expense / assets | 4.32% (p70 of band) |
| Vehicles % of loans | 67% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.83% (p77 of band) |
| Vehicle NCO | 0.15% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 0% |
| Average share balance | $4,022 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $11,887 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 6 | net worth falling, losing money |  |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 7 | delinquency rising, members leaving, loan book shrinking | losing money |
| 2017-06 | 7 | net worth falling | delinquency rising |
| 2017-09 | 6 |  | loan book shrinking |
| 2017-12 | 5 |  | net worth falling |
| 2018-03 | 3 |  | capital below 7% |
| 2018-06 | 5 | capital below 7% |  |
| 2018-09 | 6 | delinquency rising |  |
| 2018-12 | 4 |  | capital below 7% |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 3 | assets shrinking | members leaving |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 4 |  |  |

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

- 2026-05-16 [Disease kills most wolf pups in Wyoming and Yellowstone, sending population spiraling to historic low - Idaho State Journal](https://news.google.com/rss/articles/CBMioAJBVV95cUxPM0RVNUV5YkxCcUplZlVfQVpEVURXY0ZoUEUyZHhhblVKbWVVaWljQ25JVGU5WW4xeHh3aG03MU9HdlA4allGbUl4Yk9zSS1mcVJPYTZIcTVnVXlQaUVLWml5QjRPXzBYdWRYRjQwME5mWmZvVGlCX05JdGJGVEg2VXZJbjl4RXctOUowMlJSMk1kS2NmRWE3bmU0WFhrNjVSTnZUaExIOWJFUDdTbFg4OG84LVA4OWUxd1dCZDhpSWxxRi00bmFNc05ibkhVX19OYVBSSjY1VWVlaGszS0RqUTk0VnI1aGJ1aEpBUXBaNkRFX2czMG9XR1Q1aTNKTjM3c2ExQ1J5anYzLXh2MnQ2SkUyOXhETlV6OWI2SDYtNHc?oc=5) · Idaho State Journal
- 2026-07-17 [Yellowstone’s oldest wolf pack, Mollie’s Pack, leaves the park, raising fears for its future - Idaho State Journal](https://news.google.com/rss/articles/CBMiiAJBVV95cUxONC1hOUJjUVM3ak1XWmxvamRGaThVQmVJdnZOVTZuQkxPSXp2NUxlMy1tWlAzeFR4OFAwc3E0M3diQXQ0NDhIYkxvZlhqelF2UTdtenlXcXd0ZXYxUWphTEhUQm9SWk80TzUwTWdDVU9CeHNhTV92NVg0N2hUVnB5OUpTMjdRd1FQcUl6VkJlRGR6blRkc1Z5QmRkV0pNb3AwOENQUERQNGJIOWZSQXpqSTNGNkdTOVFDcjRZazBBNjJ0NUtLMTI0RFVkVWl1ZmdRczJ3Tnh3VmVEcEZpSjYwVkZ6eEl3X2xLaEN5UW52STNhTm1XYUI5ZHZoM2hYUVdZYklPWld0bV8?oc=5) · Idaho State Journal
- 2021-09-14 [Wyoming and Nebraska credit unions to merge - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPN2hPQTFCVVhERVREa1RvVGNuMXhha0RaWURxTnhFZHRPSzFJdnB4WDJOUU5sVzA5UV9yN0p0aFdYeWZkVlpHWV93dHFQYURzbnJKN2NKVFZ1ZlJyYWNvSDR1bERlUjRGeC0xeUZPRzQtbzVHRktVOEhJbXVubWZUenAtamgwVGdpRFRCaFhoYVBFQXl1TnQw?oc=5) · American Banker
- 2024-10-30 [Yellowstone Co. Sheriffs seek tips on ATM theft suspect spotted at Rimrock Credit Union - NonStop Local Billings](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNNDJqbHNMUkR5ZjJKX1ZjLTR6TEtjWC1wdzUyNkpMdXpmN1VGaGp6N3RQelZsUkdHZ0JaM3k4VlpKOXpzdFRJVldMRFktUWdHMVBlY0dvbm13NTVoN3Q1b09SUEd6aHNvSXc1YWtYZnBMU05tOFpta1NzVlhKOHZsd3Z2Rld5WURkNWtHSmIzVmdPYXhtdUt4UGxYVlVJRllzell1UG40dkpJbGZDLVlTSUt1R01xbXc2ckJwOHBSRnV1OUlzbUh0VE5jQTVvUG0tMmFYWDgwVm80N2hRLXV5UHBkYU9xN1ZNaEQ5cjI5M1hKNi1CeUE?oc=5) · NonStop Local Billings
- 2025-05-09 [Celebration of flora and fauna: Yellowstone National Park east entrance opens - WyomingNews.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQWnozVVdlN3FFaGJwbmN6dF8zX1NaZWJ3NlY2ekZYSjFRLXMzcXl1Z0psWTduaDhKejhPbHZnSlE3akE1NlRwV014UGE5QjhDWFRWbWFHY05yT19VODhHVUdtdjV5ZFRRaTg3bi1ycFZ3XzAxaVJ4eFpTMnVtbnVsYjVhNlBlZWhwVWtDX0F3RFJLaHdTcldfUWxZZk1LR1UxbFQzQzdhUmJXc0xJeFU3bDY2LTFtdW5RMkg3UVFKeDVmM1BFNmZqcjlqU1ZwV2lweG1hUkJTd2FTZWVMZWpTTXdVdXFiX3dCMFZKcThBek5iR285UmtaVXExSlU2Y1U?oc=5) · WyomingNews.com
- 2025-03-05 [Man falls asleep in credit union restroom, attracts police interest - East Idaho News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQY0JHaDhpbVlVbjl0R3I5WWZ3TXF5TC1PUWRoaWhxaVVQRkpzMk5wT2NnUG1ad0xmZGdQUy1NeE45UmlNcGFuMVlLb0loZExVdFhsXy1qTTVsOFhPNDN6SVM3VnRiSVJrcGw0VlNaWFVhckNLNEE4TE1XQXBwaDZtM1NxNGc5MHVtWWl3M0FJX1JmTW5nV3d4ZzVuSTFXVkdQWU12UFdWb0s?oc=5) · East Idaho News
- 2022-11-06 [Yellowstone's black wolves better at fighting canine distemper virus, study shows - Billings Gazette](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTjZ2Z0lSY0R6bzh5Q19kdEN0a19NeC1JQ2RhcnZzUjdtaUV1dmExVlNMMEVubFRhU24yQi1CSzdDSWQ0MlB3bzZYY2MwVnhHcHMxZkdXT2hoMGpBUElGeV83c0xyRWNjcEtIWi0yUGRwZGFoWWx0VFljMktYdm5iWEY4YmlPbm1qZVZTOFdfWQ?oc=5) · Billings Gazette
- 2021-06-02 [Seth Kamarad Obituary Jun 2, 2021 - Schrader, Aragon & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5LTXJlVFFpVDVDQ3BMRHNMM0dLVUxuSHBSR201UDFBS0VGQ090S3lPUkl6LUh3VHAzeGh2dk9YalhwLWJOUnRlSW1EN1RvdU5BNGF6b0lQM1BqUkE1Ylc2NVFCWQ?oc=5) · Schrader, Aragon &amp; Jacoby Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2472 (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/40.json (key "2472", 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=2472
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide