# SEI
Pocatello, ID · NCUA charter 517 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sei-517

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 3,138 members of 8,000 potential (39.2% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $33.7M |
| Members | 3,138 (-1.1% YoY) |
| Full-time staff | 10 |
| Net worth | $2.7M |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | -0.03% (p23 of band) |
| Total delinquency | 1.92% (p77 of band) |
| Net charge-offs (annualized) | 0.62% (p79 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p45 of band) |
| Operating expense / assets | 5.29% (p82 of band) |
| Vehicles % of loans | 42% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.12% (p92 of band) |
| Vehicle NCO | 1.23% (p88 of band) |
| Repossessed % of vehicle book | 0.98% (p99 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 36% |
| Average share balance | $5,092 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,680 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans>95% of shares |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | loans>95% of shares |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 4 | net worth falling, margin squeeze, delinquency rising, members leaving |  |
| 2017-12 | 2 | repo signal | net worth falling, margin squeeze, delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | expense trap, assets shrinking | repo signal |
| 2018-09 | 3 | loans>95% of shares | members leaving |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2019-09 | 3 |  | delinquency 2x band |
| 2019-12 | 4 | delinquency 2x band |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 2 |  | loans>95% of shares, delinquency rising |
| 2020-09 | 4 | net worth falling, auto monoline |  |
| 2020-12 | 7 | thin capital, margin squeeze, repo signal |  |
| 2021-03 | 5 |  | expense trap, delinquency 2x band |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 | expense trap | thin capital, margin squeeze |
| 2022-03 | 6 | thin capital, delinquency 2x band, delinquency rising |  |
| 2022-06 | 4 | loans>95% of shares | auto monoline, thin capital, delinquency 2x band |
| 2022-09 | 4 | thin capital | delinquency rising |
| 2022-12 | 6 | net worth falling, delinquency rising |  |
| 2023-03 | 6 | delinquency 2x band | delinquency rising |
| 2023-06 | 4 |  | net worth falling, delinquency 2x band |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | expense trap |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 2 |  | thin capital, delinquency rising |
| 2024-12 | 4 | thin capital, delinquency rising |  |
| 2025-03 | 4 | delinquency 2x band | loans>95% of shares |
| 2025-06 | 5 | loans>95% of shares |  |
| 2025-09 | 3 |  | delinquency rising, delinquency 2x band |
| 2025-12 | 4 | losing money, delinquency 2x band | loans>95% of shares |
| 2026-03 | 5 | net worth falling |  |

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

- 2024-07-05 [Sharon Miller Obituary Jul 5, 2024 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE9zYzdKZFBlOW8tTzNkN1lJTmhDdF9VelRPVFpWSnFLTHR2empSOHJZaXM4U1VNcVpGTUVFbTFYVGJKUmY1cld1eWFkTEk0MTlVZ2hMNjNWMmh4WDYtUGdnVk9OQnZvaVctNGc?oc=5) · Wilks Funeral Homes
- 2016-03-20 [Nicole Smith Obituary Mar 20, 2016 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9VVWxyVVN6X1pxeHRmM18yNUhKQkdWWEtHRU5jcGxNZE5jMGFEUmdGMXhkMGxLSFEtenFldjg4cGJsWU9qVkhod2c3ZFdVVXF4MENKb0RxVmtSX2xyMWJSSE1mQ0ZKcDZL?oc=5) · Wilks Funeral Homes
- 2017-07-11 [Oaks’ SEI Investments Acquires Archway Technology Partners for $80 Million - MONTCO.Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxOT0hpWUNiT28wMmZtWUc1emFzRjN6bkh3QktRNmdTQTd4YVNvb2Vvb09aZklacmFlNUFxYUtnTkN1UDAySE9BRGgyZldaTEtKUWhCaEJya0EzWUtjVTJ1dUtRWXNwVm9FQjFka0YwRlpYQnphdnlxNVZrUFFXVm1mbWR4bmRLemtJZk50YXBHc2ZXeV9qVmhUV21jVFkzTWM?oc=5) · MONTCO.Today
- 2021-12-06 [Ronald Mano Obituary (1942 - 2021) - Salt Lake City, UT - Deseret News - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdzk3bmRjcTVfSUJQX2hyOUtKVklXQlNXMXM1UjdDa01jUWRzOHNxUlZ3MnVmc0l2NUlLb0FzRlNQSTFUV0xiY0NHTXczc0RpU19CRmZkRXNrUDBlN1FnN2dGSFZxWmdESUoySjdtX0FWNURYbGNpUy0xWWQ2RVZNQVZuWXdWNGYzOGFuQjcwaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=517 (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/5.json (key "517", 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=517
- 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