# SISKIYOU
Yreka, CA · NCUA charter 61682 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/siskiyou-61682

Who the members are: state charter, organized 1962, low-income designated. 11,788 members of 43,000 potential (27.4% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $144.7M |
| Members | 11,788 (7.5% YoY) |
| Full-time staff | 31 |
| Net worth | $13.5M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 1.06% (p71 of band) |
| Total delinquency | 0.92% (p70 of band) |
| Net charge-offs (annualized) | 1.46% (p95 of band) |
| Loans / shares | 82% (p76 of band) |
| Cash / assets | 1.6% |
| Borrowings / assets | 0.46% |
| Net interest margin | 5.32% (p98 of band) |
| Operating expense / assets | 4.31% (p73 of band) |
| Vehicles % of loans | 82% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 85% |
| Third-party paper % of net worth | 574% (p100 of band) |
| Vehicle delinquency | 0.93% (p69 of band) |
| Vehicle NCO | 2.03% (p91 of band) |
| Repossessed % of vehicle book | 0.62% (p96 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 24% |
| Average share balance | $6,984 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,018 |
| Loans granted, annualized | $46.6M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **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 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | charge-offs p90 |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 3 |  | delinquency rising, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, margin squeeze | charge-offs p90 |
| 2021-06 | 2 |  | thin capital, net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 5 | charge-offs p90 |  |
| 2022-06 | 8 | thin capital, net worth falling, repo signal |  |
| 2022-09 | 9 | members leaving |  |
| 2022-12 | 7 | losing money | delinquency 2x band, delinquency rising, members leaving |
| 2023-03 | 6 |  | losing money |
| 2023-06 | 6 |  |  |
| 2023-09 | 5 |  | net worth falling |
| 2023-12 | 4 |  | repo signal |
| 2024-03 | 5 | leaning on borrowings |  |
| 2024-06 | 7 | delinquency rising, repo signal |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 |  | delinquency rising |
| 2025-03 | 6 | assets shrinking | leaning on borrowings |
| 2025-06 | 5 |  | assets shrinking |
| 2025-09 | 6 | assets shrinking |  |
| 2025-12 | 4 |  | thin capital, assets shrinking |
| 2026-03 | 4 |  |  |

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

- 2026-01-12 [Pacific Crest is now Sage Credit Union - Lake County Examiner](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTm9RQVg0QmNSaENtLWE4MXZTd2x3dk1Majh5Mkl4QnRXcFNNWlhXeHBaeDQ1QXNUY3hqUWxtVXpMREhoZ2tma0NqTXFKLU51QVgtNzh5c281cVg5aUFJb1VyYjR6Wms0dm9sRGoyc2ZPWDh1V0tzSzlOZ011ZkxTbWpTaTV6Y3VHQ0FOYXpibUtiRWNibVVBNnJYeEwweXdBR2h6ZnVQZEFRcWlJcHRVSDlJdlMtV3RBbXNLWGc4TVZSSHpydTRaVmNqcWdNQQ?oc=5) · Lake County Examiner
- 2010-05-25 [Credit Union board names new CEO - Siskiyou Daily News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaWYzR3hIYlcxWk9QdThXVWx0S2JybTJUTkhDeTl4MWFKV0VNR1RIbjg4VzZXWEFodGE4cXRmdW9OS3VMSWJ3aEF3THhaSlR0cm1LMUNxNFhFRFBrV3VnZ1MtUWJvd3ZKTE82amQycU42Z3Q4bFdPVXpiNXA0U0xLOFlpNTFxa3g5YUJHZmU2SlVsX18zU19Rdg?oc=5) · Siskiyou Daily News
- 2024-11-17 [Northern Network of California Credit Union League Donates $2,500 to Toys for Tots - Redheaded Blackbelt](https://news.google.com/rss/articles/CBMisgFBVV95cUxQX2cxaU9TbjJMYzdTemtCUjdPTVp1aE9aTm5ubDVlaTlPSGpiSi1kTFkzeGdHcE1DUGNrU0hTNGprNzNuSGtvUjFIVFRyX1p0blhtQ00xSXI4QzZSd29WbkhMSDdvTElLSFJQekZ3Q3hlZU01TG5rXzl4VWZJT0NPdmdKemJHR0xDWFduamN1TFBaSURFUWttMVBBMGtXcVlvZE00UWhSUDl0eHVkcjRENjZ3?oc=5) · Redheaded Blackbelt
- 2013-01-24 [Southern Oregon Outdoors - Siskiyou Mountains a mix of mystery, whimsy - Grants Pass Daily Courier](https://news.google.com/rss/articles/CBMilAFBVV95cUxOT2pSdm1ZUHBRSWFEQWtkQXVzSkhTVHN4LXM0c0JSNE5JaW1pb2ltalc5NV8yLVNxRjRmZFR4Ul9UaUdpQnp0NU9XM1RLdWFBcEppdW4teTd6X1ZNTFNVLXFNd0xfSkFEcGpueWxESThIM2h0aUx1Szh1UWVCb3FMbklqTWp5cHI2Y1d5RU1WSE1EWTZY?oc=5) · Grants Pass Daily Courier
- 2018-03-19 [Sportsmen’s Expo March 24 and 25 in Yreka - Siskiyou Daily News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQWJXSGpjbjRHcGFkRnFJSFo1Z0hQbkZTNFhfclFSZmpUUkZZNlZxWWFHOXM2a0ZuN1BpZ1VNYVVwVzlpaEIyREhVNmZ6NUkzRk9yazZXUzA3X0JfX181OTNVclhWNmdzWGxLbjd5dnIxNVhqTUdpRlNFLURyaFpxSVpUZXI0S0JiQ1dVY00xYjRhR3hhNFNEWnEtV0dVX0YyVFFoQTE0TDNadThU?oc=5) · Siskiyou Daily News
- 2025-08-26 [Bigfoot Jamboree Stomps Back Into Northern California This Labor Day Weekend - Active NorCal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb0V6eFNINFlXbi1OMVZNVlJ5a0FoRHFJZTBjaG9EZGxUdkNNUkdEQnowTVJqQjlMaGdHS19LSExpNFhUa2xtSzJhV3ZUWmdKSEhvdkN4NXhWamZyNlhNaTJpcVpoUEVncDJjYUk2THptTGxCQmtpU3RfdGU3RThRR0FzcTVIbGNORTcybmFVcFZUNjlPRXNaR1ZkTDJxRVA3ZnFhX0xfQWxLQQ?oc=5) · Active NorCal
- 2009-10-30 [Gerald DeRose Obituary (2009) - Yreka, CA - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLTR0MnVOUHhIQ1JLbU5tTXJONDMxVUVIUzVmZ0wwSUhlcC1Lc0N0TGtkUGhGaTJ0S3pPeWowNVZqVVBQZk05QzJvVzRzRU5GMFppUlFFWU56M0hmOTFreGdSdzFBMjVTenRkd3B2alB4a3hxTURBM1JCTkM3cVBhYjJLTjY?oc=5) · legacy.com
- 2021-12-23 [How Shop With a Cop made a return to Siskiyou County - Siskiyou Daily News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMEM2ZW1hc0xnQlQzeHg4SGY3Y01nSVdGSUFoSEhfeGpRLTdyY0FrX3VHNmlhd1hESmVxT3IxMkxvdk53VkNwcDB1ODFfWGkyXy1BVDFiUzJqZ0ppTml5a2xfSVo0SGFEb1ByU1dEX2NHcnN3d0cweVBDazFHTGREZEtGTExDRTFmM3EzckE3eVVCQ0dZcHRRQ3RGUmxkcjNBZ3Y3ZQ?oc=5) · Siskiyou Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61682 (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/50.json (key "61682", 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=61682
- 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