# WESTERN VISTA
Cheyenne, WY · NCUA charter 3972 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-vista-3972

Who the members are: federal charter, multiple common bond, organized 1940. 17,012 members of 180,000 potential (9.4% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $279.3M |
| Members | 17,012 (0.1% YoY) |
| Full-time staff | 61 |
| Net worth | $25.8M |
| Net worth ratio | 9.2% (p18 of band) |
| ROA (annualized) | 0.88% (p64 of band) |
| Total delinquency | 0.54% (p44 of band) |
| Net charge-offs (annualized) | 0.54% (p67 of band) |
| Loans / shares | 88% (p85 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 6.98% |
| Net interest margin | 4.48% (p93 of band) |
| Operating expense / assets | 4.50% (p83 of band) |
| Vehicles % of loans | 34% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 342% (p95 of band) |
| Vehicle delinquency | 0.63% (p54 of band) |
| Vehicle NCO | 1.27% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 112% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 40% |
| Average share balance | $8,617 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $25,659 |
| Loans granted, annualized | $83.6M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | losing money, delinquency 2x band |  |
| 2017-06 | 2 |  | losing money, delinquency 2x band |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 4 | loans>95% of shares | delinquency rising |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | losing money, auto monoline |  |
| 2019-06 | 5 |  | losing money |
| 2019-09 | 6 | delinquency rising |  |
| 2019-12 | 5 |  | delinquency rising |
| 2020-03 | 5 | margin squeeze | leaning on borrowings |
| 2020-06 | 6 | delinquency rising |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | delinquency rising |
| 2021-03 | 3 |  | loans>95% of shares, margin squeeze |
| 2021-06 | 2 | loans>95% of shares | net worth falling, auto monoline |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | loans>95% of shares, delinquency 2x band |
| 2022-06 | 4 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2022-09 | 5 | thin capital |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | losing money, margin squeeze | leaning on borrowings |
| 2023-06 | 3 |  | net worth falling, losing money, margin squeeze |
| 2023-09 | 4 | leaning on borrowings |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 4 |  | net worth falling |
| 2024-06 | 3 | delinquency rising | thin capital, leaning on borrowings |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | repo signal, assets shrinking |  |
| 2025-03 | 3 |  | delinquency rising, repo signal |
| 2025-06 | 1 |  | loans>95% of shares, assets shrinking |
| 2025-09 | 2 | net worth falling |  |
| 2025-12 | 3 | charge-offs p90 |  |
| 2026-03 | 2 | leaning on borrowings | net worth falling, charge-offs p90 |

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

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- 2025-05-07 [LCSD1 board honors students, staff for achievements - Cap City News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNTkFzdkY1YlZ1REhBUXV1VTNzUVhwOTk3T1ZaRWFvNmhjSFJSU0Z2Z0xjZ0w0NnQ1NGFjeDlfQWFYcjZCNzBFZHJfdXpaVDNtcmlNMTM4S2hTWDJkay0zSGVONWxsRk9SNmlGYXJsZjB4Nm5JTHViYTNuUFA0LW41OUdGcG5mcTFXc3ZyUUdYd285SHg0TlVKeTBHbjdnLWZWV2F4WkdyN25mTFFjMjNWTw?oc=5) · Cap City News
- 2021-09-04 [Russel Farrow Obituary Sep 4, 2021 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5iYWF0aXZiSndGVnZnVjZnSkhPczVuTmlUNmtUdWJJTXk0Ql8yeWRvb21yYzF1YXozSzBUMkZuc2NDdEhXOF8tak1QMDNmdVJvTkZNOUR4YWZsYzVla3RPZ24wOA?oc=5) · Bustard & Jacoby Funeral Home
- 2025-12-05 ['Inspiring through perseverance': Lorrell Bellotti honored for leadership - WyomingNews.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNQWZWVFQ2WGtxcDJ0ZEVHb283d0V1azVJSGN2a3pyTmpPaUFlanJaNzhiR19zTXg4NU14ZlRKLUtvbGcxSUZ1a2JQUGNScFlYNm96RmV5Ykc4b092NFp1c2VZS1RqSGtJOWxVLUZIVl9tVUZkRWNsTThqVTJiNks1SmQtQ3BaUjdlZ3F6bnN2MkozOUhyaXJfYXkwbi0xYUN2RVlXTlpvNzRrcmh5RTdHM1dGbXJTcHdTWWs0ZG1fLXFySUkyYmhLWnltRk85QTdBOWU5cXBYY1hSNXUzQ3ZrZGlUTUNpS3pCakoyYzI0SzlQaWlPY0ln?oc=5) · WyomingNews.com
- 2024-01-24 [Cheyenne Police Break Up Check Fraud Ring, Arrest 3 - KGAB](https://news.google.com/rss/articles/CBMioAFBVV95cUxQYUJuT3VwOGtCcUw5WERhYXpDX2piSlR2empVMUd3YnJMalZCTzNWNFdRWUowU0YyRzVwTVhzdkJSZ2p6bmRfSzlmNnlZYVplLXJwQjVhVW1VVzR4YlpFSXBsWnVjQmg4SW90RXZDQlVIWkJPTmNqbmFXZTJHdEY4ZWwwRGx6RHowRXhKZ2taUnBtRFFSVlFHYWRLQzZiV3ZY?oc=5) · KGAB

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3972 (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/4.json (key "3972", 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=3972
- 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