# BEAR PAW
Havre, MT · NCUA charter 62658 · asset band $100-200M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/bear-paw-62658

Who the members are: state charter, organized 1942, low-income designated. 11,936 members of 133,653 potential (8.9% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. 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 | $145.0M |
| Members | 11,936 (-0.9% YoY) |
| Full-time staff | 36 |
| Net worth | $9.7M |
| Net worth ratio | 6.7% (p2 of band) |
| ROA (annualized) | 0.16% (p10 of band) |
| Total delinquency | 0.56% (p60 of band) |
| Net charge-offs (annualized) | 0.12% (p43 of band) |
| Loans / shares | 40% (p11 of band) |
| Cash / assets | 56.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p22 of band) |
| Operating expense / assets | 3.20% (p52 of band) |
| Vehicles % of loans | 59% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p15 of band) |
| Vehicle delinquency | 0.82% (p73 of band) |
| Vehicle NCO | 0.05% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p33 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 10% |
| Average share balance | $5,453 |
| Participations bought / yr | $999,773 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,714 |
| Loans granted, annualized | $22.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 5 | losing money, delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 1 |  | losing money, net worth falling |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 1 |  | assets shrinking, delinquency rising |
| 2020-03 | 4 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 | margin squeeze | net worth falling, delinquency rising |
| 2020-12 | 4 | delinquency rising, loan book shrinking | losing money |
| 2021-03 | 7 | capital below 7%, net worth falling, losing money | delinquency rising |
| 2021-06 | 7 | members leaving | loan book shrinking |
| 2021-09 | 6 |  | losing money |
| 2021-12 | 6 |  |  |
| 2022-03 | 6 | losing money | margin squeeze |
| 2022-06 | 5 |  | members leaving |
| 2022-09 | 5 | delinquency rising | net worth falling |
| 2022-12 | 4 |  | losing money |

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

- 2019-11-09 [Jack Edward Brady Obituary Nov 9, 2019 - hollandbonine.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1acXNNMVh0bGZvT045bHV0WFpEejdGSks0ak5DWlRQaWR6dEJCeUNKbENtbV9sX2gzZTJxV2pDdjZPSUwzbGVTOF91dHRVbjhUWllsZFZxbldtOGNlS0dVVg?oc=5) · hollandbonine.com
- 2016-03-03 [Toole County woman pleads guilty to embezzlement - Great Falls Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOODdYVEFRVTZJY2xxdVlNRGg5YTRtUGctaE5nT2s2by0yQWlXTjROZEhPZm5VTVIxMVo1M2dxVW51YktCWHNNLW1FZjFxbWFtWjJ0NzNtX3MyRDF0OW9BV0Vxb3VmRXhtVW9vVkFzekR4NFBUNmZUcVQwNkFfVEU5LVpGdVhpcjM1MFVnUm9nLThVT3d2b1ZuUklKSk1ET3daOGlyTlIzMnpJVGRDRFhHdkpfUVBCcEdI?oc=5) · Great Falls Tribune
- 2016-07-26 [Local woman charged with stealing $130,000 from bank - Havre Weekly Chronicle](https://news.google.com/rss/articles/CBMitwFBVV95cUxNanpFYW9WV1pjUjNhbmd4Mlc0YXQ5Rmkyb3EyNm4zdFFOVW1tVk5aSTU4Y3phSktCQjRpN01qeWlPM0labEpRdnFJdjRCZm1CSVpia3pLT2tnVzhNV1JZeTV5d0o4RUdCdEg2cllJX1dmYjZ4M19QVC1TYy1KRDdYM1hfQ0JJR3llYTNmd1pGQ3ZDLWpJQUMwRERTUWo3b0pZbk1QdzJJZTRfbE9yaWl0QzRnQVdyWXc?oc=5) · Havre Weekly Chronicle
- 2025-05-27 [Coming up: 'Live Your Dash' car show in Fairfield - KRTV](https://news.google.com/rss/articles/CBMihgFBVV95cUxQbER2YnF1Znp2VFcySTZFN19XSHF2NmI1blZuUFg2eW56aVliaUY3c3lWYVJxUFZSRnV3UHdrd3BLbmdFYVJhdEFnV0tFVXNTTXA4Tm8xZmtKTUMzMlEzY0gzSFN5bHRBNTNzeEIyQVM3bUpjZWcwSWhmZTZxd2g5a05oXzhIUQ?oc=5) · KRTV
- 2021-10-17 [Irene Hanning Obituary (2009) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQcU1JRTFfSGNKQmYxMWlEY3RBZXFEVW9ES0dSQUs3OTdNMUdCSDlIRmVtcGU3UHl4U2pHR0JlQ1BzdXZUZlNpb05WbE40M1duWjZuTFBnNHd3X25oU19yNDZQWTFqdGJkdGcweTIxaWtycEtUX0hkSzdHZ0VDWTFVN3FDaC1ZWWdYMFNqWWh0RnpsOXgxWVlNeVVn?oc=5) · legacy.com
- 2022-12-06 [James E. Welter Obituary Dec 6, 2022 - hollandbonine.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5hTXVkc3hIdmthemtwSzc4Zjh3N09OQXliYzE2NVl5aHA1Znk4RWxTQ20wZ2ZSZFRGZzg2NFFkMXVoYVhZYlE4OWNMYXdMQnVwTlVhWU5Ic3k1akpuN1gwcGVGcw?oc=5) · hollandbonine.com
- 2016-08-16 [Teel pleads guilty to embezzlement - Havre Weekly Chronicle](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc3pGaE9SaVY2UTVfT2NGeGVDM3RFOUZvdVFVVWZXMXRFZEk2dndCRVhzR0VFd1dteFhfSjVYU3ZrcDhkZ2pBZ2JCY0ZraTk1X1RPNHRpV1NFRmdBcXVfcjFhVEVvZ0NvQjBSbl9VYmpyVnd6LWt1Z0NPdXY4WmkybnozYm9FVHFLZlFvaF9GT3RxT01ObVBIcE9oenRJTTE4VGc?oc=5) · Havre Weekly Chronicle
- 2017-05-11 ['Shelby National Forest' thriving on Hi-Line - Great Falls Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcE93akxYcFBpeU16TjZHaHdsbk1GdDFiaURRdVNfcF9zeXZwRG02dmpmYVRnTE5PYTZnLXdWc3dSQmx1d3BlN2xMVG1ycjdjVlpoMk1FZlBoVzdNbjFMVlFVbEx6ajJOLXRCa3RmMWJsellfSTRRb1RYNmNVSlNOZnQ1bzNocGRwcW42UzBiZ1VQRU5YNnlXTmFoMG1lSWozeVc5S0pFQ21fUQ?oc=5) · Great Falls Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62658 (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/2.json (key "62658", 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=62658
- 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