# POTLATCH NO 1
LEWISTON, ID · NCUA charter 2734 · asset band $1-10B · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/potlatch-no-1-2734

Who the members are: federal charter, community charter, organized 1938, low-income designated. 87,540 members of 407,273 potential (21.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.10B |
| Members | 87,540 (3.7% YoY) |
| Full-time staff | 234 |
| Net worth | $105.9M |
| Net worth ratio | 9.6% (p23 of band) |
| ROA (annualized) | 1.03% (p64 of band) |
| Total delinquency | 0.50% (p53 of band) |
| Net charge-offs (annualized) | 0.55% (p73 of band) |
| Loans / shares | 95% (p59 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p65 of band) |
| Operating expense / assets | 2.96% (p44 of band) |
| Vehicles % of loans | 47% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 339% (p83 of band) |
| Vehicle delinquency | 0.53% (p59 of band) |
| Vehicle NCO | 0.77% (p69 of band) |
| Repossessed % of vehicle book | 0.18% (p93 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 31% |
| Average share balance | $6,106 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $16,108 |
| Loans granted, annualized | $436.4M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 2 | net worth falling |  |
| 2017-06 | 3 | delinquency rising, loans>95% of shares | net worth falling |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loans>95% of shares |

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

- 2023-06-20 [Lewiston-based credit union P1FCU to pay $5 million for UI Kibbie Dome naming rights - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxORXQxczU1cUlxY2RWMmlrN2lzcm9vNjd5WmJhb3g3Z3N2S3NzTDc1Rk1UMVd1cVZ3MTBkRVJaamdQYWFDbVVSMkxsWlVHNFNhaVpDcjNCZVA1LVh2TlA0MU5Zd0lIOTg0RDdzN2ZmUjktalFOSnNVZnl3WW1sWkw2Z2U2amFTQVUydUxxTHM4NV9aTThvSHUxd0lrUUJ3QQ?oc=5) · The Spokesman-Review
- 2025-06-03 [ModernFi CUSO Sets New Industry Standard: Credit Unions Can Now Offer $15 Million in NCUA Insurance* per Account - Business Wire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObWNka0d2R3VXQjJJbWpLdVFGN3hhbkJTWEVVLXhxX05TeFNFdVlxb1RJbGFoa3J6X0gwQmVaMV9EOUtFZElqdElkSzJnS3RwckNTblljUkRlejlIcThxcUZEWVV6ZW45aVg0NUdqdHotZjBya3lFU2JiNVp2aFhzeTVqZ1UxRm9FblFtVTdkMTZoNnpKOXpPLWY5NE9NcXhEQUZZWGVQM1VSY3I1THZadlZNYmk2ZzFPcU5mY3laNjlJQ2FSdkJxZlBZMVppRXNvcEI3bThXMUh6d0RCQk42UERoWXJNQ0NjYW44TFI3V180LU9ZMjdSYzBBQTVQUQ?oc=5) · Business Wire
- 2023-03-09 [New ‘affordable’ apartments near downtown Boise now leasing. Cafe Rio. Coming near you - Idaho Statesman](https://news.google.com/rss/articles/CBMidEFVX3lxTE9ucEwzd196MURBNjJLWVZDVWQ1dGZHRHFqZG5MeExSNFZyVmJXZTIxOTlYcC10SkU4TEc0WUV2OW54SmMyVWw3aVJpa1BkdmJkYmx6c25lQ0pvOWZYOTZncEozRkFqLUxPMVVJU0FjemRtQWpm0gF0QVVfeXFMT1FHVUpjUmE1UDVIMm5JX3dPVHJDUGVOWlVwYS1iV3d0Q2VfdFBzWkxPeW8wRWtJTnZpcW1KQlBjSm9hb01wQy1ZMUNiRlE0SmFKRzVUSk9zM05fU2luM3I0QXVlNkRMZG1Da0Vzb0ZiYkJZaDg?oc=5) · Idaho Statesman
- 2023-03-13 [Knife companies, dating apps among sealed search warrants for Idaho murder suspect - KTVB](https://news.google.com/rss/articles/CBMipgJBVV95cUxPM21tdmg1X2ZxeXJzanZELUsxay1oU3pwV2Jjb3JhUU1ZblVkTUtpSVQ0bzRmTzRRZW5fbXV1TUc0MmdGVGVzelo3amRrTW02U0RDQ2lfWnhvV3hBXzRnZWZCaC1UUGswT19fdVd0MUlmdnY4Yk9FU1B1STM4ZTVNaUY5cUE3NTd4Y0tWM3d0cE1hc0NyUGJ0UU5oWGRXSGQtS2N4M2M4dUwtbklUUDBmZVVHOGd1WWd0QmZ6ZXdPbUNzS0pGVC1jMnJISnpRb0FPRktEd1QwWk1EQUZqTFZudWN1WU5mbmY5RkdFaU1uU2ZYWWNTb1NENmxHN3dXLThNMXcxR0hpd3pxWVZoYmtCbnBubXBRZ0xUUkVRR2huQ2JQdWZjZXc?oc=5) · KTVB
- 2024-02-20 [John P. Schraufnagel - The Lewiston Tribune](https://news.google.com/rss/articles/CBMic0FVX3lxTFBMTTIzdnJycDlWU3hwVmhZNEZFYXBwTHNEZGpidW13X2laOE1oZHhNZFloSTY3cnJFdzVMSE9YRVgyV1pybVc0Mmx0aU1VM2JfdzJpM0FLX0cxVEhSc0lmRTBLWkQ4NzBNaEJWNVFUNlcwaEk?oc=5) · The Lewiston Tribune
- 2024-03-14 [Legals for March, 14 2024 - Bonner County Daily Bee](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNTU2WWhWUEJ2M29rdDQ3YTNudW5LX0hRYUt1aVN2QjMwRHZzWGsxM2tGdm1rYi1QaC0xVDRvem1kRFZpQ01hdl9wZEIzTk10U05oMFJYQkZMcUc2YlFzNWU2U25TSWFVNXNiT2syazlnb29IazZucmp1YllQR1pMdklhMA?oc=5) · Bonner County Daily Bee
- 2020-08-29 [50th: Harry and Peggy Snyder - The Lewiston Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxOam52MWR4UHo2RW1KMFl5RUM0NDBJbkNCZXRTUFVzV1RtaXpNMlpjMFFla29Vc3BaUGZnUndIV1J0Z1UwSjNLTndtdkpkdUlOZmtCYVA0dnkxeFNVME9JMTR4b0E5TnFPNTVWM2c4QUlRNnZaSm5TTHkzNUJKZ0xxX2dB?oc=5) · The Lewiston Tribune
- 2011-01-04 [Daniel H. Sarbacher, 57, Lewiston - The Lewiston Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxQUkFOVXNvRlZadzFXR0VvemNWWVJ1WWxtczlHMEN6ZEJtQnhWYVZZbThHT1ptRmdrdWI1enB0dm1mME9sRVV4MXNXTVdLVy1DYzJuMUV0a25UVjZCdElWZWRmemdsUW9Cc25LU1RaeEpuUFVUZnZtazBOYl9ITnVBNlFB?oc=5) · The Lewiston Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2734 (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/46.json (key "2734", 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=2734
- 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