# INROADS
Saint Helens, OR · NCUA charter 2730 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/inroads-2730

Who the members are: federal charter, community charter, organized 1938, low-income designated. 15,962 members of 1,600,000 potential (1.0% of the field); checking penetration 84% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. 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 | $334.8M |
| Members | 15,962 (-3.4% YoY) |
| Full-time staff | 78 |
| Net worth | $27.9M |
| Net worth ratio | 8.3% (p5 of band) |
| ROA (annualized) | -0.60% (p1 of band) |
| Total delinquency | 1.10% (p83 of band) |
| Net charge-offs (annualized) | 0.98% (p87 of band) |
| Loans / shares | 82% (p70 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p62 of band) |
| Operating expense / assets | 4.46% (p81 of band) |
| Vehicles % of loans | 8% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 52% (p41 of band) |
| Vehicle delinquency | 7.01% (p100 of band) |
| Vehicle NCO | 14.09% (p100 of band) |
| Repossessed % of vehicle book | 0.25% (p89 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 374% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 19% |
| Average share balance | $8,036 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.2M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $34,624 |
| Loans granted, annualized | $41.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.2M outstanding purchased (40.3% of net worth), $280,280 sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | delinquency rising, loans>95% of shares |  |
| 2019-03 | 3 |  | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | loans>95% of shares |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 5 | capital below 7% |  |
| 2021-06 | 4 | delinquency rising | capital below 7% |
| 2021-09 | 2 |  | margin squeeze, delinquency rising |
| 2021-12 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | leaning on borrowings | delinquency rising |
| 2023-03 | 3 | members leaving | leaning on borrowings |
| 2023-06 | 6 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2023-09 | 4 |  | net worth falling, delinquency rising |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | net worth falling | members leaving |
| 2024-06 | 4 | repo signal, assets shrinking | 3rd-party paper>100% NW, net worth falling |
| 2024-09 | 2 |  | repo signal, assets shrinking |
| 2024-12 | 5 | delinquency rising, repo signal, assets shrinking |  |
| 2025-03 | 7 | losing money, expense trap, delinquency 2x band | repo signal |
| 2025-06 | 7 | repo signal | leaning on borrowings |
| 2025-09 | 4 |  | expense trap, delinquency 2x band, repo signal |
| 2025-12 | 5 | repo signal |  |
| 2026-03 | 4 | members leaving | delinquency rising, repo signal |

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

- 2026-03-05 [InRoads Credit Union opens video scholarship applications for high school seniors - Columbia County Spotlight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQa0Z1bFA5a2lLZ3JVNXcxbGMxMFpMVUVaTS1BMDRWTXh4WTVpXzBBc2dJV0QxSVZMb1RxNlZkZHNYYnJsaXV6RjZtME5WSEhMNnNvcnI5X0RyTmo2WGg1NWE1d1QzeS1CWk1jWXc0MnZZcWQ0M1V0c3hMZUhRM2NPUHFGREoyZDJGYXp5cDk3dDFpLVFGRjNLcWJpVldHZXJoTEFzdDJuR294ZmNPX3I5dl9zLTlralRUbEdWN1JBLVREZVJiQlBVVA?oc=5) · Columbia County Spotlight
- 2026-03-03 [Dollars & Sense: Nathan Cox of InRoads Credit Union discusses a tough job market - KATU](https://news.google.com/rss/articles/CBMizgFBVV95cUxOb1FtRnJIRmZZR2d3OG1HYnZYT0o0Wk5sWnBZNXl3VlNVUWlFakphS08wNnN4cFlHMlZvWklYak0wOEZ1eEtuT25ydXhCbzhmZ1JWcVF1LXYySG1RNTRZb0FESjhFaDlSWU1YVUlGTUhsajRCTnBpSTI0RldDQ1Nza0h3eGJyaUhxOFIxdXVZOGNhQ1NjMGFzVzdWUk9FX2RGbk9Ia0dlcGNzWjZtM0ZZVnpqZGd2WkYtc21kb2N6NjZXQmEzbU5KTm5XNEtvUQ?oc=5) · KATU
- 2026-07-28 [Appli Doubles Credit Union Footprint and Hits $2 Billion in AI-Powered Member Calculations - ffnews.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSkV2YVNBdWwzbkRsR0piaU5fMV9JZXQ1bUJUYzlGYUVJaVdUY011MUlGQzlxNDRtVlNrUkVHQTVxN1JheURqaEVGdzh6aFo1S245NXVMdHItSFNBeXBUNWVPY1FBQVBwX3psVndZbXZvdlVhUG9lVlM4Y1k5aWpaeE9jd0hGTHhmRUFRZmg2X1d5TGd2bW5Lc2RHZVFaOHJTSmNSMk8weHJWc1FPbkx3Tm9pVQ?oc=5) · ffnews.com
- 2026-08-13 [Scappoose police arrest man accused of fraud, search for other victims - Your Oregon News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPN1hlVGJBTnhYX2JBX2FyeXg4SWY2ZnpJd0h6ZG9FWkVZRjdsa2IycjktTElweVo4MHM5VUZOYlhBSGtVeld3X3VFWnlMdDBBRTFPTmVrS0U0c0FHNm9lNnA0SEwwSmdxYU5QUWNNTllVZDRSOU5oS01Fa2FzQzVfMGVzOU5RUVQxZ3RYV0NrQkVUeC0yRDg1Z24wU1RHMEMzU01pTkYyVVJ5blEw?oc=5) · Your Oregon News
- 2026-08-14 [Gresham man jailed on warrants, identity theft and meth possession after Scappoose arrest - KATU](https://news.google.com/rss/articles/CBMikwJBVV95cUxQaEJGZlZiT25Ic01JbjVRdnVrNE9kVHMxVjNub3dZMDR6MnhjY0loN094NU0tUmlvdEVrNllndUZZVWtXUm1DbldsTXdBY1hGLTBqTnRXMF94R3hqTHAtcFp2VWxWYWxvWXNRYW9NNER0bzFhSndoemVRWDU5ZmFfRllUUXNkUEk0WjlWeXBMT3hCLTVSNFJ4T1JqRElRWHduMzFrdmI5cG9RMGl4cmhjTE51LW1vaV9aYUo5QklQM3BIUHBSSUNEZmZBYjJEQ3dVQnBRU3Y1WGlGd01RTEM0UjVRbmtDb2NLV0pNdElsNDZXUUdfN3RQSFZXdS1QbW13MjllV1EwTjZQT1Jlak9VWmJUOA?oc=5) · KATU
- 2026-07-31 [Meet the PBJ Corporate Philanthropy Award honorees for 2026 - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPdGIxNkpOUk1xYnZlZlRDR1M1dWV4TXlscGYzSmRiVFczRFJYbFk0bzJHVmdBV1NjS0U2ZXQ5WkNNTjIxMFNrOFVFVzd0VS1VTkZtX1R3TV8zSVZFdHR2eDZ2eTd6RHNNbDNVYlRXclRLRGVwSlBLaXB2M3lHb3FPUGFaa09DeGJKR2ZaRlhWcV93aW1FZThtSGxB?oc=5) · The Business Journals
- 2024-11-15 [Orenco Station property transforms into new InRoads Credit Union branch - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNVUkxZDVCWFNEaDB1Y3VWSmdiYTcwZkE3czk2X0FHNENIMDlhM0pULWFFTFVTVUNRQkQ2ZDdhYUYwcnpVS1hqOUVXNmR6djllNllRc0lueTkzSlg1cDJIbllTR0ZhTmhGa3BicXFmc3NmbEh3RWtxUnB3QzNZRG9UMWxiM1Z3ajVHM1Q3Sk5HMzRNbXJqdzY0Z0hBT2YxUU03ZmJpSmNoSEJsa215R1l4aUxn?oc=5) · CUInsight
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2730 (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/42.json (key "2730", 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=2730
- 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