# WOODSTONE
Federal Way, WA · NCUA charter 60613 · asset band $50-100M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/woodstone-60613

Who the members are: state charter, organized 1941. 10,550 members of 7,310,300 potential (0.1% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. 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 | $98.8M |
| Members | 10,550 (-5.6% YoY) |
| Full-time staff | 22 |
| Net worth | $9.4M |
| Net worth ratio | 9.6% (p36 of band) |
| ROA (annualized) | 0.52% (p66 of band) |
| Total delinquency | 0.30% (p22 of band) |
| Net charge-offs (annualized) | 0.48% (p65 of band) |
| Loans / shares | 85% (p86 of band) |
| Cash / assets | 3.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p50 of band) |
| Operating expense / assets | 3.50% (p49 of band) |
| Vehicles % of loans | 75% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 512% (p99 of band) |
| Vehicle delinquency | 0.36% (p37 of band) |
| Vehicle NCO | 0.99% (p82 of band) |
| Repossessed % of vehicle book | 0.13% (p84 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 8% |
| Average share balance | $5,342 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $12,479 |
| Loans granted, annualized | $40.9M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 7 | thin capital, charge-offs p90, members leaving |  |
| 2017-06 | 3 |  | losing money, net worth falling, thin capital, charge-offs p90 |

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

- 2025-08-23 [Veteran financial leader Cynthia Crouch joins Firstmark executive team as chief experience officer - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbUwtSEJEOTBPb2FSRHFqeUNkYW5UNkVYRnlzQmVibVBIQTJ5N3pQSFNaQmpxTXdXZ2F4cU9iYW5TaDVGbDhCeG9PVUR3eTlfUkRzYlRuZnpLMjBNOFhHcjB5MzQ2cUQwWTVFWnY3VkU4NTlNcUh2cjBwYnJwQ1pRcnYwbkYzV0RBLWdkRERhaDZQZG5MMWlrdkhJcHVQSi0tTG5lRXJtNkY4OHc?oc=5) · The Business Journals
- 2022-05-04 [St. Louis-area credit union begins construction of St. Charles County branch as it mulls future growth - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVUtjZ0dXd1RqRlQwWWh3Y2VMOG5fN2h4alYtbGlNOUdUbndQVFdiX25qcUh6NVF6TWJsektlZ3M3YmlHYnBSU3IwbjREbUtuT2JNX3AtRFdsWS1ZSW1uX3RVR3NSM0xIemE4c0xyVTRBTmF3TU5mZEpJT1ZjaXJLcnIyZ3lKZHZ3Yl9nbEduRUhIdVF6T1JHQzBMaGpxRTlfZlE?oc=5) · The Business Journals
- 2016-06-22 [WILLIAM MUSSER Obituary (1941 - 2016) - TACOMA, WA - News Tribune (Tacoma) - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxPU0VhcXp2UTg2TDNBY1lJNDRoTGJoMFZvOXEtMmxmMm41bEdGSndzUUdfMTdGZmM3R3Z2VlU3NHZaa04wNnl6UWxxcnpuMHg5djNod1FyOTRKa3NhOFBwNG1oUUxuT1lBQkI1MVVYdElFcnpXQ3ZQalR1UEROUldpengwOURjZm9kU3FYcTVn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60613 (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 "60613", 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=60613
- 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