# NEW HEIGHTS
Logan, UT · NCUA charter 24763 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-heights-24763

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 2,173 members of 30,000 potential (7.2% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *quiet fade*. 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 | $28.2M |
| Members | 2,173 (-16.1% YoY) |
| Full-time staff | 3 |
| Net worth | $4.1M |
| Net worth ratio | 14.6% (p48 of band) |
| ROA (annualized) | 0.46% (p44 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | 0.79% (p82 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p17 of band) |
| Operating expense / assets | 2.28% (p15 of band) |
| Vehicles % of loans | 51% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.25% (p41 of band) |
| Vehicle NCO | 1.56% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 22% |
| Average share balance | $7,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $18,781 |
| Loans granted, annualized | $5.7M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 | members leaving | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 2 |  | net worth falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | net worth falling | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | margin squeeze | auto monoline |
| 2021-06 | 3 | members leaving |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | net worth falling | members leaving |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | losing money, delinquency rising, assets shrinking |  |
| 2023-06 | 1 |  | losing money, delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 4 | losing money, loan book shrinking |  |
| 2024-03 | 4 | net worth falling | delinquency rising |
| 2024-06 | 4 | delinquency rising, members leaving | loan book shrinking, net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 | loan book shrinking | losing money, members leaving |
| 2025-06 | 2 |  | loan book shrinking |
| 2025-09 | 2 | members leaving | assets shrinking |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-08-26 [Get Ready for Fuerza Regida: Essential Info for Their 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMib0FVX3lxTE1xaTZ1OGRFMFlydU56MDlYTUZuVDBYTkF5eU41Z0ZFdHcwSGlDVTYySmw0TXZJU3BlUEl4SHdLYUlPSEdLM0IwS0w4ejRFb204MW0zQ0NuVktHd2FNek53SzFoRW82RlM3R1h6Wlp3cw?oc=5) · Ticketmaster Blog
- 2026-04-03 [$uicideboy$ Announce Grey Day Tour 2026 The Indie Rap Titans Return For 33-Date Arena & Amphitheatre Run Across North America Includes Pine Knob Music Theatre September 15 - 313 Presents](https://news.google.com/rss/articles/CBMiswJBVV95cUxQNTZ2TVplak1qTU1jeldlanpWa0c4TFoyX2pFS3VRYnNtWUdBbmNNZFdEcjdaS1RHM1pobGEtNG1jVDdJdDItYkJ3dXlqaXowakFCM1c4bXNwQy04eklUS1U1N0w1VHZ2d1E1dm9haWV2TXBLdzBHLVk0c3FaQTJhT1phY0JDZUo3WEFyNEJzZnRfaXR1ZlZxMFdpZWFxZWVCaHVMeGVqSzA2VmZpcWI1Qm1CRm52X29fSzRsR1o4Y2ZraTRFTlBLaHBjWkVNUTc3aGozWTMzTHFxZHJfUEd2LU1SNWRHVGlUdGJvWWVmYVo0N0owVDNTbkVfdXM1MEM0UEg5bWVldFQ5UENpUFdPMlRERV9DNTVkU0R2eGxXLTVCZzBreU5UdllSR1pvcTBxU3FB?oc=5) · 313 Presents
- 2025-11-20 [From lion dancers to choir performances, Calvin Smith Elementary celebrates students in style - FOX 13 News Utah](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNLU42d2UwRWV5cWtwbi1wZ1JCZEtWTWNraEh0c05PaDFfdFdkNEJJb09EY2Zvdkhla01zS1dFZmhaemdzcGRRUW1LU1hsMGgzQkFSSDB2QjJteEZUOW1sUHMxTElvc0d2eWpmYXJYUDVFUDA5R1UyOUxmakpCVzlxcV9ORWg4a0FQbmk4Vy1ZZmtNQnpJbS15bUVsWVg1Z0Z2aUF5ZnBGX1lrbjJxWUZjV0tXWUNqbjQ0MU9YV0d2RVh4bW5wVXd3cU83VnU3UDQyMmNnQjNKWQ?oc=5) · FOX 13 News Utah
- 2026-01-16 [Manny Martins Earns National Coaching Recognition - Utah State University Athletics](https://news.google.com/rss/articles/CBMisAFBVV95cUxOOXBpeTQ3dE9tdlpRMFVDWHRCTmszbjQ0OF92cHdKUnd4V182N01yMzVJTXpsaFFsdG5oYUZ2MmlLb2h2WkpwRTh3Q3kxRmpqZ0NPckhOMVQ2clYwQ3QzMk1ySE1ZanVKY3NsZEJDM0FDY1dwRmlCY3E2YmZiRUJEeVg5cjFxUXd5NVBVYlBrSEREdlo0WjlNZDVub3pzUVdzdnVoWXJUallGSDljc3AwVA?oc=5) · Utah State University Athletics
- 2025-11-10 [Train Announces 2026 Headline Summer Tour Drops Of Jupiter: 25 Years In The Atmosphere - That Eric Alper](https://news.google.com/rss/articles/CBMixgFBVV95cUxQaEdzMEhLRzdVQVBQdllHemJqVG42YXdSdEo4TXV4Nmxxa3lSN215ZTZzbXctWmVPN0k2V0paenlqdTZiMkszQ3ZJRWU3ZHpsbEl1aF9JU1JZaENPZmc0YUgtYXBac2pVUE5kOVo0cDNqeXZtUVIyWFYxMV9YS1NQMTlnblp6NDY3eWZ5SmpibzBqa1NXeVFXc0s2Mjhqbk5lblVaa2Fxd2RnRkVBTm9saWgycWUzN19CeUJtWEZiUndTWXJ0Q2c?oc=5) · That Eric Alper
- 2024-04-09 [Utah Valley Celebrates Groundbreaking of UCCU Stadium - Utah Valley University Athletics](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQ3d4OEp4WjJPWWNGekZQZFRDaXJ2c0gxaGFuNXJYT3NTTVZqaW1CWUdGckt6eDNnaUxNVm95Q0dMODd0MDRkZF9qVXU2c3hlLTlZS1R3ZldBMjFGTVZQNlZyMTNYTGw4MEFjS2FXR0tPVDBEa194Y1pPbzU0RjMxM3Q4bkZCQ0NHS0ZwTGx4WWNMQ01aRFp0eWhuZVBKY1FJ?oc=5) · Utah Valley University Athletics
- 2026-01-26 [Kid Cudi Announces 33-Date 'The Rebel Ragers Tour' Ft. Big Boi, M.I.A., More [Dates/Tickets] - Live For Live Music](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPb1J6aFVZTjBDTEJ0X0tmRHYtVHFhZnV2WnNvTG1mNUt4UXN0T2xqUDVpSmJ1cHRCUVJwM2lGQ0RTNU40RFlKdGduTWxCdEU2dDBjT1hZNndLZXllZXZRbXBiVmFWZTF4R2RZYkU1OUtWZ2llZkxOcnRaNGFMZFU4TGFYZVVQVmVXMlkxWUVnNDFRRGhJcVhfVER1OW1CZi1EdUFMMG1JSzhQUXFLc3hrRUlwdEdBelNRYmVN?oc=5) · Live For Live Music
- 2025-04-28 [Utah State University Moab Celebrates 2025 Graduating Class - usu.edu](https://news.google.com/rss/articles/CBMilgFBVV95cUxOanpOanJsZVlLOGZfY3RnNC1vaXRVYUF4THlKX3JiQnF2d01QYU5wQkQxZmV1YldZbWxVa2Z6MFNWNjNCZzZWMTM5QllJYzVVX1c0S2J3aElFdVRWcUdINXZZTnFfU1o3S3hYVWlSY3p6M18wM0lndVhReUFZdU95TUgyNDVoZnlsMjhDZFJFa256T2xOZVE?oc=5) · usu.edu

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24763 (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/59.json (key "24763", 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=24763
- 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