# G.E.M.
MINOT, ND · NCUA charter 3660 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/g-e-m-3660

Who the members are: federal charter, multiple common bond, organized 1940. 1,871 members of 8,374 potential (22.3% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. 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 | $35.6M |
| Members | 1,871 (1.7% YoY) |
| Full-time staff | 6 |
| Net worth | $2.9M |
| Net worth ratio | 8.0% (p15 of band) |
| ROA (annualized) | 0.42% (p64 of band) |
| Total delinquency | 0.02% (p21 of band) |
| Net charge-offs (annualized) | 0.04% (p45 of band) |
| Loans / shares | 45% (p45 of band) |
| Cash / assets | 20.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.10% (p37 of band) |
| Operating expense / assets | 2.37% (p30 of band) |
| Vehicles % of loans | 58% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.15% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 3% |
| Average share balance | $9,128 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $15,445 |
| Loans granted, annualized | $10.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 6 | net worth falling, losing money, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2017-06 | 3 |  | net worth falling, delinquency rising, charge-offs p90 |
| 2017-09 | 2 |  | losing money |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | thin capital |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 4 | margin squeeze, delinquency rising |  |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 3 | margin squeeze | delinquency rising |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |

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

- 2021-03-05 [Industry leaders tout Idaho’s financial rebounding - Idaho Business Review](https://news.google.com/rss/articles/CBMixgFBVV95cUxObDV3eXlZVWt0RTMyaXU3MHhYUEFITTNyWlRhNU9BVXFvV1VKTUV0MXpLSDZrR2pvY1VweURjdm1fRjBhVkxCbWwwQzRPQ3djQmtzZS1fbzFYU2xjdmEyZHFpeGQ1c0M3N2ZjT043VVBqbDhqelEzTllrWmhlc3BXejMwbjNHemZUN3pQdW1OTTlRWVpRM210Wk04QkIxN2l3UFdzN1hjd0RQczl2c1hMVTZkVGVKR1J5by1Da3Y3ZlFuNF9SU3c?oc=5) · Idaho Business Review
- 2025-09-30 [QCC Foundation board expands with 5 new members - The Worcester Guardian](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQNDhsUG1mMEo2Q2FkWnRJUDhJdFlkcG1QV1RDTW1mcFVvVkNCV2FEbmZYRG9zYUc4Y2dKQVNQaEx3aWZfMzBGRUdGV3dZVVozX1RoTG9VT1hLaFQzZVQwR21uOXp2Y0tDM2xQV3ZFWUEzU0lPV2xKSkNRbkFwbWVZNDlIWThQLU1GN1FZ?oc=5) · The Worcester Guardian
- 2023-06-24 [Warren R. Brey Obituary Jun 24, 2023 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5CY0gzRVlFVnBnU21HN3hILUo3NGJTa3IwNFlLRi1MX2FiUDRSeklqMVk1S08tUEU1d2JIZXg4YXotUVBfWFBHNzV3OHpYTWFQTFlpS0htczZWYjlUM3JpRlZMSU0wanMtUVotSHlpdw?oc=5) · Thomas Family Funeral Home
- 2025-12-02 [Online banking fraud leaves Winnipeg woman on hook for $174K debt - Radio-Canada](https://news.google.com/rss/articles/CBMisgFBVV95cUxOczlWSmJpTkdYYnk0dEVsNm1oQmpXaTN3RzMxUkM2UmdtQjc3cDJmWVBCNnlCUzZ0bjFOb1AtVi1hSU1JN2JMYWlacWZic21SemwyYWwtYkN1ZVlxQ0M4V2FnX0VEN200bjdGa2VmM3hveEJ3S00xWmtyMjNFdk5OQkxtekNmeE9qVlVObmdUendPLWN6VmFaS2lFRXBYLUN5N0dLNkpfazJBWm1OaG9aQ2pB?oc=5) · Radio-Canada
- 2024-08-25 [Best Credit Unions to Work For 2024, ranked 1-35 - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaHA5cllGQ2xhLVVGWFJTVTVYVTdkVG5jZlpxZllYSEI4NktzT1ZyZC1FNFdjVUdyZnlkM0hxQ1lOc2VXbTNZSzJ3b2hoQUM3cnd1VEQxVkRma3ZwOGp4Tkw3TGxmMGZsb0VZQ0dfakZLLTRwaktMUnZCZ0d0U1dWLU5iMXBtUm5wY3A2dVhSbTVEc2JvcXc?oc=5) · American Banker
- 2021-07-28 [Winners of North Dakota State Fair Parade honored - - Minot Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNb05qenJmY25aTG53TG50Z2NUdFc5SVdFUF9KZ205aC1zeWJ4QXJoMjQyd1o1WDhEU1J2MHBFcEotamRscXNQc3dyRndybi16SGptNDJCblg4VUtvRW1ycmYzbXFLM3BqZUpicVJxMF9YRmJYLTQ5X21lQl9GYXlFSFRqd2NiXzhaX1Z0YzBpTi1PT1R6eEVfSWxBYmJlLTQ4bnFOTTA1N1I?oc=5) · Minot Daily News
- 2025-09-21 [Michigan City Welcomes New City Gem in North Pointe Pavilion - GreatNews.Life](https://news.google.com/rss/articles/CBMilwFBVV95cUxOajhwOXJMRmF2dlVsZVpfOGtYbVBobkhpaHhJWGFNem8zNmczdGg3R1IxSlBmUDhqdHBHN3VudW1jQXZIYlhmQ2xaTjZUNkJvNFVrQjY1anU2Y29rNnk2TEVid0JzM2ltMFpPNWdST091VlVfZlBsWmQxZDVrYXJabFRWUXpQTmIteXVRdGQ0U2NGVm9KaDBv?oc=5) · GreatNews.Life
- 2026-06-10 [Take advantage of Idaho’s Free Fishing Day this weekend - BYU-Idaho](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTWxvb0VfT1R2QVhDOUZyZWFJSWFVWFk2SWQtMDBmNUctYjJZWVp6bWdySWNBOHRsQnFNSHpOeVF4ZTd5cGhlTlBVZ0tRTnQ2OFk2dzdvN2VOWEJfMEZIUmNZWUpoTU0tSk1SVXdBYWtPbjdvTmN3OElrcG5fcFR3OTlnblRYTERBTTcyOUdIUml2MXhwNkVZ?oc=5) · BYU-Idaho

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3660 (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 "3660", 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=3660
- 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