# WASATCH PEAKS
OGDEN, UT · NCUA charter 24780 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wasatch-peaks-24780

Who the members are: federal charter, community charter, organized 1930, low-income designated. 31,964 members of 2,000,000 potential (1.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $658.2M |
| Members | 31,964 (2.7% YoY) |
| Full-time staff | 84 |
| Net worth | $68.5M |
| Net worth ratio | 10.4% (p51 of band) |
| ROA (annualized) | 0.90% (p68 of band) |
| Total delinquency | 0.12% (p4 of band) |
| Net charge-offs (annualized) | 0.10% (p11 of band) |
| Loans / shares | 100% (p96 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 7.02% |
| Net interest margin | 2.65% (p7 of band) |
| Operating expense / assets | 2.98% (p20 of band) |
| Vehicles % of loans | 16% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 77% (p44 of band) |
| Vehicle delinquency | 0.12% (p5 of band) |
| Vehicle NCO | 0.18% (p11 of band) |
| Repossessed % of vehicle book | 0.07% (p56 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 367% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 36% |
| Average share balance | $7,430 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $40.4M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $28,818 |
| Loans granted, annualized | $210.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $40.4M outstanding purchased (59.0% of net worth), $17.2M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 10.0% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | loans>95% of shares |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | net worth falling, loans>95% of shares |  |
| 2020-12 | 1 |  | 3rd-party paper>100% NW, loans>95% of shares |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | delinquency rising | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 4 | net worth falling, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW | delinquency rising |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 4 | members leaving | leaning on borrowings |
| 2023-06 | 5 | leaning on borrowings |  |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 4 |  | 3rd-party paper>100% NW |
| 2024-06 | 2 |  | members leaving, delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-03-26 [Best in business: Ogden-Weber Chamber of Commerce celebrates 110th annual gala - Standard-Examiner](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWWV1MjBFbzlIN1FQX1ktSUtxeDB3Nk1raEhaRDdtVUkwTklaMndIZ3poSmUyZUxTMmlFS2V4RVpHeEVWSmpjemtqMWZ4b0QzdS13QXV2Mzh5WkF6XzNJY2lfaUc2U3ZEOTFKSTZVX3llWmVmRjhTSXZYVVFERDhNTm5wdmREY2FyeU45RDNsWVJtdjM1cEFHOHliaE8xMlYwWkFHbkZ3?oc=5) · Standard-Examiner
- 2025-01-09 [Gerald Rodney West Obituary Jan 9, 2025 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5uanNvYk9lVnJ4VnVqRVNkR1EzUW9raUFka3RUZy1vRnU5emVUVTNMNUZVNmpWdXVzSS1sQkhNSFEyMXpNZW04QTZSZTZoQzJTaHNXRWdsTXIwYkszOS1lQzJ2NUcyLW8?oc=5) · Lindquist Mortuary
- 2023-11-03 [Clifford Joe Christensen Obituary May 31, 2012 - Leavitt's Mortuary](https://news.google.com/rss/articles/CBMickFVX3lxTE1tUV9hXzB0Z0Q3SHVBWGJ2cDM2MlFBN2pqRm5YWm5tSmR5Q2lwMk56TENIUkZCU3N5TUFpY3k0TUhCd0FhZVZXQ0R5R2RqM2lvbnMzb3Z2UzR6akRtaG9ZR1dWaHVUb2s5djk4REhfVTFadw?oc=5) · Leavitt's Mortuary
- 2013-05-11 [Man found, arrested for credit union robbery - KSL.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOV0JOcVBWclF0M0FwM19RRTE0bzVDUlBoQndvbTZ2MHhpOEpnTzROQURRazVKczRQcHpBdGM3bkV5TmFGUVZjMHBNU3pOZFo0c2NyenNIbDZETmYxVGdUV2lyMXlsVklpNzhiamd3LTJYbUE0OGZ2Wkwzc0c0R19BT1NTeEtpYXpJX0xkbGxLYnJkcXJx?oc=5) · KSL.com
- 2012-10-27 [Kurt V Fisher Obituary October 27, 2012 - Aaron's Mortuary & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE82b3RqQkUtRVF5UEx0UGtVU3BzYm1qQk5zdW1nTDFGYVpDZktRNTAzQzktakw2U29DVHJ3LXdZbmVKV2tUY1IwdEFDdnExMGNFWjE5bU9ySWR2dF9rWEl1M1ZkWQ?oc=5) · Aaron's Mortuary & Crematory
- 2012-09-27 [Evan Anthony Barros Obituary September 27, 2012 - Aaron's Mortuary & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5iU0FzQkcyb2NzNmU3cGdkMml2b3RoNm1JS0xSTXJiTGdDLVpvVTdWTU1hV0dvdnFWT0RJdU41aU55QU5zYlhDVzU2YlZfSXQyVFNXM2pXRDBnYlM4eFZ2enZZRQ?oc=5) · Aaron's Mortuary & Crematory
- 2019-11-01 [KayDee Fowers Obituary Nov 1, 2019 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XWFhrTkdnV1ZYYkV4LWF1THZ3VmtOYWpUYVlxUFpXb05WTEh0NzBnQnVBVE9nSGZ4X0NBVVBwbW9RQ2NrUDdJNzh3N0VKaUFpLXcyZVh5dHNsanB1ZmtvTHp6UTQtdUQwRWc?oc=5) · Lindquist Mortuary
- 2022-03-11 [David Stone Obituary - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8zNWNEZktPbnVUekI4OVNqSmh0ekFJRldqY3pVVmtkcldiem8zVXdrUGRkMVUtN3FaTVVkeGw4TUFXZE84VmNfRTJzWURSZkxZOFBxcDd1S25sWHpYcklwRHhTWmdnZlE?oc=5) · Lindquist Mortuary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24780 (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/12.json (key "24780", 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=24780
- 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