# AMICUS
SPOKANE, WA · NCUA charter 24729 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/amicus-24729

Who the members are: federal charter, community charter, organized 1964, low-income designated. 1,041 members of 78,000 potential (1.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.5M |
| Members | 1,041 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.4M |
| Net worth ratio | 12.0% (p47 of band) |
| ROA (annualized) | 0.50% (p70 of band) |
| Total delinquency | 0.30% (p28 of band) |
| Net charge-offs (annualized) | 0.13% (p57 of band) |
| Loans / shares | 70% (p74 of band) |
| Cash / assets | 20.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p60 of band) |
| Operating expense / assets | 3.98% (p67 of band) |
| Vehicles % of loans | 34% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 19% (p93 of band) |
| Vehicle delinquency | 0.89% (p61 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 17% |
| Average share balance | $4,399 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,954 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |

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

- 2026-06-09 [ACU, DCUC Join Amicus Brief Defending Current Interchange System - cutoday.info](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMnNWM2F5dzFKX1JkTUdlM1BEak1VeE15bFVfTW9SYXdwcEFYbkhMTFBuZGEtR1hEbmdUd3k2b3B1Q0pqRXZWSDF4OFJDUkkxdS11c0FIQkpERU4za1p6OElpVFR2UTkwaTBLYWI1SjRHa1l2VTdKVzNRUy1pMmFiNk1RU3phYWdqQkNIbWJZTUFEVGUwVDJKT0tTUFBxSmdPWUxKMnpkWkY?oc=5) · cutoday.info
- 2025-09-23 [Wisconsin Court of Appeals Affirms Primacy of UCC Safe-Harbor Pre- and Post-Sale Notices After Repossession - Husch Blackwell](https://news.google.com/rss/articles/CBMi6AFBVV95cUxONUNzZTJrSXBvM2R5VnFwcTdBejZJTHFBUlkwS3BWYm9xVmw0elRjRzVJM2FpQmFKOUNuU2Nvbk51bEYzTlNTdDFQdnRtMEEyTXVEWExIalkySm5TZ20zM0RQd0tveWdTZnBwSFNKM0ZxNU9ZNlB6dGlUT011dHV5bWlzbE96ZzJBOXp0OWo0Z2FxbldpODdyRkYxLWU4OGZkS1Y3VFJvWmZPSFF2Nk5HOWd2amdZUGNxLXlOWW1sVHVxeUFOc0kwTlN1cjRPTmF6VUFWRXE1emZFMmFfV3U0NVV2MU9RVExK?oc=5) · Husch Blackwell
- 2023-10-20 [Amici Tell Fourth Circuit that District Court Ruling Imperils Funds Transfer Laws - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQM2o4Z3hBMy1ZejJBMlptbnd5WEY2R1hUU2p0bFlGMTltYkd0R1RTNnRmMFA2NUFkR1VIMHowYjk3MnMtaV84WU5hdVJXakh4dnZ3OHZtYzZGc21SU19fb2U2M2hzV3FfblpxR0lYSmNjZTVoOWRkdHcyUDhuYzdSOURReUhsS3hQOG1UYlpOU1lXdGZJNzBuWFBTRVhZZTRXMVZUazI4Wi1FYTVNdUpGZ3ZfUDRpZURYM1ZrdHNad3ZvaGNHR214cUlwWUNoVXJjTUVSX3Z1Um1wZw?oc=5) · Consumer Financial Services Law Monitor
- 2014-01-30 [U.S. Bishops file Amicus Curiae brief supporting Hobby Lobby and Conestoga Wood Specialties in Supreme Court cases challenging HHS Mandate - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOa3F0ZFBHdXdSZGNVdWd5S0NsOV9sbWJkY1pjM0pmR0R5a1JzWUZlSEJ1RVh0VG9ULVRKWHdTSFBOMjEwMTNTeXI0ZDJITER1em03U19HQ0huaDB4MVIxZWY4OGFzeVN4NVVBcHR2a0M5eTZ2OFhNOVJLNWxJczhKUnJPZU9pT2ZFUzFnVFVkZzQtOWtkZFJONzNKSlByVGFhWl9HT2xmdDFBU2huTHR0aVBINXZJUFVUYi1GSDEyWjFEbzlwTUphUW5wRno5ZEV5aTQ3ME5RUDBwUWRfeTdxdy1Wbm5Nb05OQlJ6QThZejl3dw?oc=5) · Catholic Diocese of Cleveland
- 2019-04-01 [Website Inaccessibility: The New Wave of ADA Title III Litigation - The Federalist Society](https://news.google.com/rss/articles/CBMingFBVV95cUxNeDlkRWd1cUtITEVJUzc2dUdIQi1hMklaSjJkQ2RzTmVjby1mN0hkb1prdF81bjVtbmdnMWZtMUF6UXJnNDdydmNGaEM3ZTU2VWd4cUVWZm9kSXd4bE1aaUhqMU1yQk1MbnljbjhLY0xoeFhaTzhoMnhWN0tGS0NzeFFJYjljbGgyRVlpV1lLWGloVGxaSFR6U2h0ZUVqQQ?oc=5) · The Federalist Society

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24729 (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/25.json (key "24729", 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=24729
- 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