# COULEE DAM
COULEE DAM, WA · NCUA charter 4686 · asset band $100-200M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/coulee-dam-4686

Who the members are: federal charter, community charter, organized 1941, low-income designated. 13,960 members of 45,000 potential (31.0% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *too clean*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $194.8M |
| Members | 13,960 (-4.3% YoY) |
| Full-time staff | 43 |
| Net worth | $10.0M |
| Net worth ratio | 5.2% (p0 of band) |
| ROA (annualized) | -2.30% (p0 of band) |
| Total delinquency | 0.14% (p24 of band) |
| Net charge-offs (annualized) | 0.19% (p67 of band) |
| Loans / shares | 41% (p16 of band) |
| Cash / assets | 1.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.61% (p62 of band) |
| Operating expense / assets | 6.25% (p99 of band) |
| Vehicles % of loans | 42% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.21% (p44 of band) |
| Vehicle NCO | 0.36% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 3% |
| Average share balance | $8,142 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $9,485 |
| Loans granted, annualized | $29.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 6 | capital below 7%, loan book shrinking |  |
| 2021-06 | 3 |  | net worth falling, capital below 7% |
| 2021-09 | 8 | capital below 7%, losing money, expense trap, members leaving |  |

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

- 2021-11-04 [Merging interests at Inland Northwest banks and credit unions - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRExrdHdJT08wbjFWUDM0TUJrdnJzaHY5MDNUYXlKeEhTU2lfUTM5MTEzQnFFVy1WT25xbzJhdVRhcDhPdDhzOHlrQWU2RThhMldTVUd1b2JXcmxJdGZoSGRZUEU4dWEzV1ZpQzAtWmk3VGRvLVVxckx2Wk9aRzlLTVFVRGZkYmozeC0zRk1JT3hXcFBGaGNJcElvbnpTNFloai1MaW5wa0s?oc=5) · Spokane Journal of Business
- 2022-01-19 [Colleen Manley - The Star Homepage](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRmVQbE1wZTlsMHV0dUotMTltQmxVUWg5SlZnUGpFTVVNa19hVDdJQ29SVEw5MS1abmpDTV9hdjF0OUQ1VVV1dFJoQ1JnMENjTlN5OVoweDZpY0V1cmNwQWZvWVhPTk8yNWlGUUVBUGY2REV3UU5yMDQtVnVTYngwTl9JQi1mWlVw?oc=5) · The Star Homepage
- 2017-07-08 [David Bastian Obituary - Grand Coulee, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPamZyOUk4TVYzZm52Z1lmTVFyOUdyX3hrSEdCcDNjeWx2MTNSc0xRbEFCdEhPYzFUaVZEOEYtcWl5amJFZXZ1bEpUa2tCQ3dGNG42d2NyRFMxaVNYcXd3czlwNlppeTNFVDVCdUZkd0JwMURITHFvREFhLTdLdkdjQmxkRERBRHM?oc=5) · Dignity Memorial
- 2024-07-11 [Deborah Leonard Obituary (2024) - Wenatchee, WA - The Wenatchee World - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQWVKVGhwaWxxcjdYWTF3c0pBaUh6NDk2TW9CNEVpTnF5ZDJXak5xSXJMRUpOQllXeDZJMTZwcFU4U0I2WE9feEtrUWpHNUdFUE5janFYbFFHVWlFYUlkSDY5UkdiVC1KTHE5UHN6TFFEbTV2aE9lMk1SVjl0cGc0MUx6NkdueWNlZzluanpuM0IzX01ldVpDMg?oc=5) · legacy.com
- 2010-08-27 [Patricia (Perkins) Wilson - Columbia Basin Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZE0yYzM3enR0QlFETF9VRmFEQ1ZZazF4S0J4ZG1CVWE5c2EzYVVqRC1FYWp2bXdrRzV1SUlPaHEyaUxLXzU2c3QyQTJ1cTR2cm4xWFkyMlFXb1c5MGt4dmRtcFZFazBES2Z0OUpUVm1ob1FUbVA1N1B2LVNqMmd1WQ?oc=5) · Columbia Basin Herald
- 2014-04-16 [Melinda L. Fields - The Star Homepage](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZ2syOWlLaF9hOUNPUmdXVHJQYVNuejYtREdhdUZUS3NLVjlTbThkb0xlWHZLNmNJSU91NnoydWswTkFZa09lc2E1UW9KejhVN1pQNnBleHNldExFaVh6Nk4wVnFfZHZjeDdmQkotSHVWUXFrSWI4RmNuZjNHdHBPQVc2UVNFb1MtTVE?oc=5) · The Star Homepage
- 2022-05-06 [Richard Graham Obituary - Spokane Valley, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSzFLeWFyZ0IwM2xUVU40WkVDMmduVVYzdjVPM1VGdXpvS2R6LU1wUlV5RFEwS3lodWlZSTZGWkhrellOZ2wzVzVjSEwxR1BXaExvNWdMS0RmOEZvMU8yOVJqQ19DRjZWSVJBd01TYXhmMW1NaEdTbVF2UEthRXhYQ2tPZVpSRFFyNlJGcQ?oc=5) · Dignity Memorial
- 2014-04-20 [Melinda Fields Obituary (2014) - Spokane, WA - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZVZWSkdxanhzMURKejhnQnRUSjU1dTRtZ044TUtUTlF5ZlpSYzh2c3hIS1Zsb0NqdFA2V1cta2pRemtXNi1odzFOTkY4ZktRdVhwVG45VnkxOWtYM1plRVFaMVdMTkgtTEtYcjU5dXMwaC1rLUhoM3BMYkwtSlZlc1pkMFMxTEVnVnR6VlJMR2I?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4686 (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/14.json (key "4686", 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=4686
- 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