# WESTERN COOPERATIVE
Williston, ND · NCUA charter 61758 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-cooperative-61758

Who the members are: state charter, organized 1938, low-income designated. 18,228 members of 173,607 potential (10.5% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $521.5M |
| Members | 18,228 (0.1% YoY) |
| Full-time staff | 95 |
| Net worth | $72.7M |
| Net worth ratio | 13.9% (p87 of band) |
| ROA (annualized) | 1.40% (p87 of band) |
| Total delinquency | 2.33% (p99 of band) |
| Net charge-offs (annualized) | 0.06% (p6 of band) |
| Loans / shares | 50% (p6 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p53 of band) |
| Operating expense / assets | 2.76% (p15 of band) |
| Vehicles % of loans | 28% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 19% (p25 of band) |
| Vehicle delinquency | 0.23% (p15 of band) |
| Vehicle NCO | 0.21% (p12 of band) |
| Repossessed % of vehicle book | 0.14% (p74 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 148% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 7% |
| Average share balance | $10,025 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $40,832 |
| Loans granted, annualized | $179.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.1M outstanding purchased (23.5% of net worth), $5.1M sold and retained. Sold in 7 and bought in 7 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

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

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

- 2026-02-11 [Former Tioga credit union employee charged with theft - KFYR-TV](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd1QxemNPVElFWWtzQllZVlFZMGk5Ujd3dmNaT0hoX25OVnB2YnlVRE1PeWppSExBT1d1dmE1UmFaM09tRnVjX05Ta3U5Y3g4dlZjN0tsd3lmM3BkQkJMU1gySTdtd1JlZlYyRVRaQVl1TVI4aE1pZ3g2OFpBckVZXzF0eGpJbVdTOWFVSk1JUzZ5UdIBpgFBVV95cUxPSV9xRE8ycnAtdVdhMDZGX0hOQWkwenI0YXRNbnpVNWlRYXR4UXRCQjRrY3h5Q3pTMENISlVPM1dlR1BFUUstMm56TWZnOEhZSHFqNm5KUmZDNGJlYk4xUS1VWXVtdWdpM2VzdlpIMEhEVnBuZHF2UnJPVUgydVZGeGdGV1VqRUVua3ZTanBjaU5tSWpPaGh5SFE5bTNpamtIdzNoenZ3?oc=5) · KFYR-TV
- 2026-03-11 [Former Tioga credit union employee pleads not guilty to stealing money from facility - KFYR-TV](https://news.google.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?oc=5) · KFYR-TV
- 2023-01-07 [Grand Forks woman named to national credit union committee - Grand Forks Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxQM3JfaW5pcG1CLW5EWi16dW1FWmRiRFBqR1hRMjdrQm94V096cktycGRqZ3RZaGFTUkdmU21ReXM1MFcxSllnX0Q1TDFnVzQxVklFMWhrX0t1UVFOa0lpdFFPZ1VQLTN1bmhJVjlGWEJIVzZCM21WVWQzODc1MThqX2tnWXk4TW9Wa3ZkS3c0Q0VxOEtUVjFxYnBuWnRsdW4yTXc?oc=5) · Grand Forks Herald
- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2020-08-26 [League elections, new c-level officers and more CU execs in the news - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTTRRTEpoOGNuTTVkclFpdWNWcWNZTnZvTW5jX1VUcTRrNFRERzFjNkZaYWs0aFJ3TkllSTdjaHVFNzZ6WDk1YUltSEZkMm1CYU52RTBfWTJGQUtySUNVbExBWUprMzZUODliWVA0OGVRbGFxQTNhaWpxQlZyWmZWUkhlVEs0UnExMmJxRnBnTlBfYmtjemRSNDAxdm9FM0RNSWhHR25xOU8taUU0MmhyTVNzZWdlaXc?oc=5) · American Banker
- 2022-05-23 [Joel Kolle - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1JUlpEbHYtWFJJN0x2dmk0NXQtOVR2RW9iVDF6aFdxblZCWDJQSTdZaXVzUHhLTjZwbnVVblZfM21xVGUzQm1xVmhvQXYwTTVSUWkwcHZYeFZZUzUz?oc=5) · Boulger Funeral Home
- 2013-09-01 [Cynthia Rambousek Obituary Sep 1, 2013 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9OeF9zVEFmdXpNRXF3Zy0yMHctVWdGbUxYSkd2RWVDcE1HVHhhaUtRM0JWeHpSY0lNdXlzSnRpeFdYbElVRGlHWnZtNnJQV0ZJcEh0MFNMUnNJSVVRYzN5RllGU2RCQ1hKZTZKeXM1R2k2ZTQ?oc=5) · Stevenson Funeral Homes
- 2019-05-07 [Recognizing a lifetime of commitment: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxORUp0T0o4RU1hV254VnpUNE1peS1fakZvM2ZpcUZkTk1XbDJCS0NIZUxoOGRTN0ZOY0FHQ0xWRFZ3ZGkxRkNlQWFnbE45d2pvVU10N196SGxaM2kxdE9TMmhNWjNHUDRFS1VRdTlGVzRLQ2REUDJDRktiUTVKZFM3a25BSko2NEdjQ3lrN3J4U0YwdUQyY1RndnRyNEs1czV4bjBOQ0FmNFlHS09JSFB4Zw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61758 (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/62.json (key "61758", 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=61758
- 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