# MILLARD COUNTY
FILLMORE, UT · NCUA charter 60494 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/millard-county-60494

Who the members are: state charter, organized 1956. 4,561 members of 12,000 potential (38.0% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.3M |
| Members | 4,561 (-1.8% YoY) |
| Full-time staff | 11 |
| Net worth | $7.5M |
| Net worth ratio | 11.7% (p38 of band) |
| ROA (annualized) | 1.01% (p66 of band) |
| Total delinquency | 1.96% (p93 of band) |
| Net charge-offs (annualized) | 0.20% (p45 of band) |
| Loans / shares | 53% (p35 of band) |
| Cash / assets | 46.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p25 of band) |
| Operating expense / assets | 2.83% (p25 of band) |
| Vehicles % of loans | 57% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.63% (p85 of band) |
| Vehicle NCO | 0.27% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 20% |
| Average share balance | $5,992 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,621 |
| Loans granted, annualized | $9.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 3 | delinquency rising, repo signal |  |
| 2018-12 | 1 |  | net worth falling, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | repo signal |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | net worth falling, auto monoline |  |
| 2020-12 | 3 | margin squeeze, delinquency rising | auto monoline |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | auto monoline |  |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | members leaving | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | members leaving, delinquency rising |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | net worth falling | auto monoline |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 3 | net worth falling, delinquency 2x band |  |

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

- 2026-08-03 [Inmates housed at Millard County Jail relocated as Widemouth 2 Fire nearly doubles - kjzz.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNXzZWeVZhQkdMR1M4N1p1NXVVY2JOMkdzLWMwQmxCZTduQTdvUG9fRVpHZjdETDFUVXpndFZVdHNsdGo0WWNFRW9SSlF6TUYtSUwtUFdQNmJSQkhRWmZ5UUZUSXNOVXdNSjdrQVcyV09RQ3pobFdiaVVKSm1GRUVkbDRIVUt0N3Q0cVpPSjhEc284bGVNZlZoSzRLTnZnTV9USHpNNmV2MEtVLXI0Sk5B?oc=5) · kjzz.com
- 2026-05-13 [1100-acre Wild Horse Fire, other wildfires, spread amid gusty winds in Utah - ABC4 Utah](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQamh3enpsLXZsN0VFU0hCaEtHcEtxUDFCN2ZoZDZiQWU1VlZpWTVhV2xzMS1OSHFaWm9ieldUdjdlOW13aURkV1VqUGpvNWw2N2dUOUEtbDU1dWV1dGExMGpjbVh5UEV6T1B4c1M5dkgyN080c3RJbkVfZWI1Skg2SnFpMHJ2YzA00gGOAUFVX3lxTFBvMG5iNE5iVV9yNlVGVElEX1EtZk96ckxCSjRlLVlISGNxWEFVa2ktZFV2dHhkU3I2bmhHZDhmaTBkQm5PY3MyWjhoajI0X1RwLW5xeHozdTg5REp3UXI5SXB0XzRiOWFYODdoTloyb2J4RDY4V1phMnByc1NUaGtoM1JFUDc1Z0NDVG1kUkE?oc=5) · ABC4 Utah
- 2022-06-11 [Hailey Buh Obituary - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1vOUVKSDRzYll2eExkUEd6Z0lTTkdtMGlST2EtUTV3d1YxOGlEQzY3OTg0QmJ5cXRqdEZvSU9ubjh5WTdQVUpNaVc1akxlSVFfZzk5UEhyenljdDh1NkY5MlNXcE0tUQ?oc=5) · Lindquist Mortuary
- 2025-08-24 [Lightning ignites fire in Millard County, burning 600 acres in Fishlake National Forest - kjzz.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPR2lKVkNMTnFyR09IX2ZiUl9XdGlZY0hOUjNSUWMzVS13Tl9mMkF3R2dRZEJrWld4OWRJUWh1RFBZc1EzbUpiZGlXd2ladmxSSF9EcENvUEhqWGdEN0VPWmtqOTVQX2lzMDFoWEFwcVpYVzlMUVdESmhRVUxtOGdlVXJjbU5yQjNYbWduU3p3WUJldzhqS2hlV01HVV91MVFJNUFKOE1ydjdzMUJOVWhaTFBCQXE?oc=5) · kjzz.com
- 2015-07-08 [2 dead after wrong-way crash on I-15, impairment being investigated - KUTV](https://news.google.com/rss/articles/CBMirwFBVV95cUxNUkhWdTBaOHBPQzBPdkkyU3BRV09iN2ktZmpwajRqb2pYcE82cVpDakp6Rmg4Q0hWSUZ1eWFEZWFLWTFTWTdFWFh3RzlCRUxRMHNmU3luM1lPajNiY0JmeXFZQjB6U2FSZDUtdEFjNVlHbEt1Q3VzRHZGSWRrZFpydTZGMnU5TFR3Z3NqWW9LcHV1RE5fai1NcWowM1VhQWZ1eGVteU5rNGdUSDU4dnJ3?oc=5) · KUTV
- 2020-04-14 [Live coronavirus updates for Tuesday, April 14: Zions Bank CEO says money flowing to Utah’s struggling small businesses - sltrib.com](https://news.google.com/rss/articles/CBMickFVX3lxTE1yZlBYUGFJbzQ2WjhmSWdKN1JuTGRSU29BTld1UUkyRXBPS2s2MHpvcmdMR2ZZOEg2cEl0THJaUnpiZEo3Z05COUZHOWVya2ZFWi1tN1pGMzdFbTRmb2Z5OEwyYWhsUDlwR0hyVGRscjhwZw?oc=5) · sltrib.com
- 2026-06-07 [Tower Fire south of Scipio in Millard County increases to 1,000 acres with 0% containment - kjzz.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMFFBeE9mTWhGZS1BdjV6QjRpYmpUd0xtSnZpX1EzNm9Bell1SlZfbEstc1VES1dVYlpnX3hPR1hnbzlSeGR1aXFRSGxFeGwzUXN4c0pYZm5raWsxRFNNWmhFUnhkOW40b0F6WkxwTER4U2RRUG01dVFZREVBU1BHQ0Jqc0diNWNGUTRNMHlkUk53SThlTktvZWlETlJiYXlqTlZIaUUtX3BrZw?oc=5) · kjzz.com
- 2015-07-09 [Driver who caused wrong-way crash dies - KUTV](https://news.google.com/rss/articles/CBMidEFVX3lxTE5lbVUtamJ1SVYxbFQxa0NDTXR4WEdGWnBFa1BtNkJmeTdlc1BVWHhUQXJzN0sxRVBCbmh3R1NTRXpSZ3cwZDMxRzg4Q1ZGZFRRblhVMkxPSXdoblQyek1LNWp5VDZuNlA2ZjlzSUxHY1RJaTZx?oc=5) · KUTV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60494 (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 "60494", 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=60494
- 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