# PACIFIC N W
PORTLAND, OR · NCUA charter 4878 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pacific-n-w-4878

Who the members are: federal charter, community charter, organized 1942. 23,377 members of 2,535,669 potential (0.9% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $317.9M |
| Members | 23,377 (2.9% YoY) |
| Full-time staff | 61 |
| Net worth | $30.5M |
| Net worth ratio | 9.6% (p24 of band) |
| ROA (annualized) | 0.37% (p26 of band) |
| Total delinquency | 0.38% (p28 of band) |
| Net charge-offs (annualized) | 0.49% (p61 of band) |
| Loans / shares | 85% (p77 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p61 of band) |
| Operating expense / assets | 3.98% (p63 of band) |
| Vehicles % of loans | 67% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 455% (p98 of band) |
| Vehicle delinquency | 0.41% (p37 of band) |
| Vehicle NCO | 0.57% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 21% |
| Average share balance | $6,206 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $16,889 |
| Loans granted, annualized | $132.5M |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2025-10-04 [Outdoor movie adds family fun to Parkrose’s summer centennial celebration - East PDX News](https://news.google.com/rss/articles/CBMingFBVV95cUxPdHlNNlZ5bElPZmRmUFpkZnVWUFc3b2ZBcFhwSkNCUmtOaFNWWnkyN2xLcnc2Uml5clpXV0ZvQTBvcDRiZ3d4WFlCYXR0SXdyVUdGd0p1bUhMR3VtTEFaSUxmdEI0QV9nbGFsUWNsd0FRYjRXck1iV1lLUlFqRVZOTDl3VHVEN1BfdHgzbXQtVjY2cmp5UXU4TnZRNEo3dw?oc=5) · East PDX News
- 2026-01-27 [Deloris Jean "Dee" Kuchler Obituary (2026) - Usk, WA - Pacific NW Cremation - North Spokane - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRE5IclZPNTZ1WjlnQlRyeFozWWdKeTdiNEJkRk0wdmlQWmQyS1pmai1xNjVkYnJoVzQ0WGRPMFFYSi0xM21TNzNKdmZmazVPSEtJSlVkM2lZT012R3FkT2g4N2xTUk1RT2RpZ0VWMDJLMzZueFRMVUVPQ3JmWVRadW9YNnI?oc=5) · legacy.com
- 2018-06-12 [Western States OPEIU Pension moves to cut benefits - NW Labor Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWGR0ejJoMVRLZS11VkdPSnB0NFE3N0VPX1N2QVU2LXN3V3lXdHhTRGUzQVMwNkRobExxbHZpczYzMFcyV3JNLUtGazZDNkE3V25XMkZnTXRDRE9aakZfZkZBa2Vyam9ROHh1WVZHeGFYYjdxekM1VVFIcjBQaE4tOU5oVkNEZXQ1cGRuRg?oc=5) · NW Labor Press
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2007-06-26 [Brittan Burlingame Obituary (2007) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeDNIem1PVEhvalZUN0VYNzVDQzlQeFZsSDdCX2s4dGZzWXQzNzVVcXZEZTNGREtvMFlqZ0ZneWMtWUtnaHBOelhGZ1luRHliOGs4akdpbUhwN0pveGd4czJEMmIxN3BSay1qaVFGdGIyT0NSZzlaMXRpZklwNkdlSUZZRnhiRmJTWXZpa0FVVkFORWotZEVuajg4Z1k?oc=5) · The Columbian Recent Obituaries
- 2008-08-03 [Mark Ail Obituary (2008) - Portland, OR - OregonLive.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQ21ycml6aTNzZ01YMlY4THJCaThxSlYzQ2NKN2NlZ3dMeFhld2xqakR5WU9rc3hfQjVjdU9qRndCRTdOaGVIbk9uVkhCQTUzMUNybWZmN3pzX0dQNjVQY3NwTENBZXFDWGVicnBJenpkUk1Fc0lDcEs4VWVIQjdqbW9vM2k0S0NBb19Cdw?oc=5) · OregonLive.com
- 2014-12-03 [December 2014 — Business Memos - Mid-county Memo](https://news.google.com/rss/articles/CBMicEFVX3lxTE1JMU1fdGFqdkIzT2JUcHNWTU1VT09qSUhRUUpQMjFaN1o1XzdLNTAtaTRYOWZYYV9TQ05NVl8zV3FnMkQtRXB0cHREc08zZl9WaHNfVnJPZXVQT2dRZE96am02ZHlFWmNaamNpUEdaWlI?oc=5) · Mid-county Memo

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4878 (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 "4878", 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=4878
- 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