# PUD
LONGVIEW, WA · NCUA charter 4509 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pud-4509

Who the members are: federal charter, service (single sponsor), organized 1941, low-income designated. 750 members of 1,800 potential (41.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. 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 | $9.6M |
| Members | 750 (-0.5% YoY) |
| Full-time staff | 1 |
| Net worth | $1.5M |
| Net worth ratio | 15.2% (p52 of band) |
| ROA (annualized) | 0.47% (p45 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 44.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p39 of band) |
| Operating expense / assets | 3.19% (p37 of band) |
| Vehicles % of loans | 71% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 31% |
| Average share balance | $7,862 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,887 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 2 | losing money |  |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | margin squeeze, loan book shrinking | assets shrinking |
| 2020-09 | 3 | net worth falling | loan book shrinking |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 5 | net worth falling, losing money, loan book shrinking |  |
| 2022-06 | 3 |  | members leaving, loan book shrinking |
| 2022-09 | 3 | members leaving | net worth falling |
| 2022-12 | 1 |  | losing money, members leaving |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | assets shrinking |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 1 |  | net worth falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | assets shrinking, loan book shrinking |  |
| 2025-12 | 2 |  | loan book shrinking |
| 2026-03 | 2 |  |  |

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

- 2026-06-03 [Longview paper mill accident kills 11 workers - NW Labor Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxObjhOcElCeGhKVW1tYzU5VWFnSWJJc25kN2NoRHBBUXAzWnpaQXNVTUFnRnlhQ1JxcVg2T2NUUmxVUlFGbTRYbnlfbzZMVzk3aWl0b01EVGF0NVNEbVl3ank4X20xSG9zcEhoYkVueUNWNWFwSGx3LVVkOUFPWVRSQkVZR1h0Zw?oc=5) · NW Labor Press
- 2024-06-27 [Clatskanie wins majors and minors Tournament of Champions! - Tillamook Headlight-Herald](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNYlRsVll2QTdyXzUybE5uelNCNlNSa1d3dWRTQ0lqeXJLbVRNeXVmQUZKclc5b2lORmlYUFg3dllkc0lUZjdoVXBKMFFtNnRoTF8zcjRaaF85bVFtQVNKeGIzdkJScXBBY0V0c05qd1puNGlsT0JiWjJWdWp6Zzhudk1BX20yWHo2a3p0bFpGVlltbFN0UXNjbkRzZTZqUlVhekJPQWdvZnN4dUZzMUpWbjdrRnkxVlhZc19xUXJjMnc4eUp4ZjMtcy1XYWNfd250WTRWN0dJM1N5N0V0NmpkN0ZxZ3hRdDBE?oc=5) · Tillamook Headlight-Herald
- 2025-07-28 [Leslie Stierwalt Obituary - Spokane, WA - Neptune Society](https://news.google.com/rss/articles/CBMif0FVX3lxTE5kWkVkVTk2RTktazJmNjREQktFa2hZT1cySzk5SzNpSEprc0VmeWxkczlFeUszdk03VmxmV3NCQ29zb2R4ODlGZ0ZBcDF0UnFEVGpMXzNXSTNKUG9OaVY1VUJRdmc1WXNBMHBUV3dYRzREUmtDTlotNVdPeHJkZzA?oc=5) · Neptune Society
- 2024-09-30 [Top Workplaces 2024: 123 great places to work in Oregon and SW Washington - oregonlive.com](https://news.google.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?oc=5) · oregonlive.com
- 2024-07-01 [River of Fire promises Washington’s most ‘spectacular fireworks’ in Kennewick - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE10MzhKQ19CcWhJWWJ0VEpNWWhWcEZyZk85clFfbDdzR1FZTTEzNXRudkp1VzQ4b3RwRXVuM1NtRkJBVk5QRE94RFpkc1hETDcwLUtXYWlYLVc4ZkJCWUcxeTkxd0VvVVhWd185MWZZS2F6MnVI0gF0QVVfeXFMUGFQSmJOeFNrbHZxMTd5Z2paUXBabGNWdzBHcHh2THpkVUpHcW04ZHdhVmdMVTF1QUZ3OXNQdm1ibW1wZUxwQUZHa3ZVZWtuSGpGS2hZWFFMbUJITS1nWGZzejVURF9UUW9oRE1KTWZuVHlFYUw?oc=5) · Tri-City Herald
- 2021-10-07 [Stanley Hecht Obituary (1944 - 2017) - Everett, WA - The Herald (Everett) - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQajhkRjNSVVp1T3I3dlk0YUlqbFVHd2ZXV2VlV2x3eXdOWVJ0Vjh5NlR0VldPcmw3Y0lPdFc2SHNpY2ZxQ1RvcmF5aEd2VGg0T0xfYjVWUlAxelNqUWpncXJhbnV2OElySmxKYmgxbjZ6bE8yVGgtTDJfZGZiekVFOEtJbXNXR3NpRmV3ZXlEWQ?oc=5) · Legacy obituary
- 2022-12-10 [Union opens new East Wenatchee training site for electrical workers - The Wenatchee World](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOZHB3aERrWndueHFRSThkZWxJSDRRNG5fQVRySjZBMXpLcUo1cFV1VmNYeEx3TF9mRWoybEQzNXBWZHZzMDdYaEd0MTdlMUF4dFhQbktYUk9BR0U3cENBeUN6dDg1d0QtUS1yTVNoRUMxMEdPajRpSjlwcktRd2dIQWl5ODdjWkx0Q0Q3akxva2Rac25vS3llNm9taEhkeWdtQVhYQVkwZ1NZNjJ2bkY1bHFkcHdGX3duYXVRQkotTldUYW8zWFpwRGc3RjBpeEs5cURlTzJNcWxsdVNJYjlzb3ZfRU04LXpM?oc=5) · The Wenatchee World
- 2020-06-07 [Joyce Knowles Obituary (1941 - 2020) - Marysville, WA - The Herald (Everett) - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdGpSUmk3TnJIU3ZDUVVsc05WSHk5Q0RUcnZHcjRxTlNTeHBmeDZYWEllaDdaSHpEUWFXTUozdVNEX2Jla0dhZDhvVGRyZ1gxVVlVa1YzMDhHQkpJR0U4MDVzcElPQWlnU3BvX2RITEIycmthTVV1aWhzdzdqb3JwQ2E5SWNVQTh4RWpDNFM4WQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4509 (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/29.json (key "4509", 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=4509
- 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