# UNION-WALLOWA-BAKER
La Grande, OR · NCUA charter 5285 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/union-wallowa-baker-5285

Who the members are: federal charter, community charter, organized 1946, low-income designated. 2,898 members of 48,484 potential (6.0% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.1M |
| Members | 2,898 (– YoY) |
| Full-time staff | 7 |
| Net worth | $2.1M |
| Net worth ratio | 7.0% (p3 of band) |
| ROA (annualized) | 0.18% (p47 of band) |
| Total delinquency | 0.56% (p37 of band) |
| Net charge-offs (annualized) | 0.43% (p62 of band) |
| Loans / shares | 40% (p23 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.18% (p19 of band) |
| Operating expense / assets | 2.53% (p26 of band) |
| Vehicles % of loans | 28% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.56% (p70 of band) |
| Vehicle NCO | 0.30% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 8% |
| Average share balance | $5,874 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,380 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 1 |  | capital below 7% |
| 2016-09 | 3 | capital below 7% |  |
| 2016-12 | 1 |  | capital below 7% |

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

- 2017-12-26 [Remembering the Credit Unions We Lost in 2017 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZDhaZEtnc0h3TWR6ZHBmd2NSX0d0YVdaTk0zQWx4T3RFYjRkSngzWGFiWGlXVjhOZHdTaXJ2c3FxTEtmRmRObmZ1Q243TG8xeDdBM1E0UndiaTFjVkNVN1JraDV0bnFfVkg1ZndoUGo4QXNxLWlKMkpYeXpZZHg1U0VvR3hnZw?oc=5) · cutoday.info
- 2013-04-10 [Solar power program broadens offerings - La Grande Observer](https://news.google.com/rss/articles/CBMihgFBVV95cUxOWTB4dENMNENOdXNiZ3k0NVRKbEJjOEEwb1VsSVVhcjNJaXoxQ3ByaklLWGkzUmdVdkoyVXQyT2dHT01OTGVkN0RIcHM0NnhwWk1vUmI4QWtodF9IOWxoRFQ2RDJkOWhtbU4wZjNRLU9JcFQzd2JhcWtTTTlrNlF6UFJEY2E4QQ?oc=5) · La Grande Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5285 (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/37.json (key "5285", 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=5285
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide