# RIMROCK
BILLINGS, MT · NCUA charter 63183 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rimrock-63183

Who the members are: state charter, organized 1949, low-income designated. 3,252 members of 25,000 potential (13.0% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 60.

**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 | $63.5M |
| Members | 3,252 (-3.5% YoY) |
| Full-time staff | 5 |
| Net worth | $9.4M |
| Net worth ratio | 14.8% (p68 of band) |
| ROA (annualized) | 1.40% (p82 of band) |
| Total delinquency | 0.07% (p10 of band) |
| Net charge-offs (annualized) | 1.12% (p91 of band) |
| Loans / shares | 31% (p6 of band) |
| Cash / assets | 69.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p38 of band) |
| Operating expense / assets | 2.46% (p13 of band) |
| Vehicles % of loans | 69% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 1.23% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 24% |
| Average share balance | $9,511 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $8,580 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency rising, members leaving |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 | net worth falling | members leaving, delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | auto monoline |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | auto monoline |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | losing money, members leaving |  |
| 2022-06 | 4 | delinquency rising | margin squeeze |
| 2022-09 | 3 |  | losing money |
| 2022-12 | 3 | auto monoline | net worth falling |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 3 | loan book shrinking |  |
| 2025-06 | 1 |  | delinquency rising, loan book shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | charge-offs p90, members leaving |  |

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

- 2024-10-30 [Yellowstone Co. Sheriffs seek tips on ATM theft suspect spotted at Rimrock Credit Union - NonStop Local Billings](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNNDJqbHNMUkR5ZjJKX1ZjLTR6TEtjWC1wdzUyNkpMdXpmN1VGaGp6N3RQelZsUkdHZ0JaM3k4VlpKOXpzdFRJVldMRFktUWdHMVBlY0dvbm13NTVoN3Q1b09SUEd6aHNvSXc1YWtYZnBMU05tOFpta1NzVlhKOHZsd3Z2Rld5WURkNWtHSmIzVmdPYXhtdUt4UGxYVlVJRllzell1UG40dkpJbGZDLVlTSUt1R01xbXc2ckJwOHBSRnV1OUlzbUh0VE5jQTVvUG0tMmFYWDgwVm80N2hRLXV5UHBkYU9xN1ZNaEQ5cjI5M1hKNi1CeUE?oc=5) · NonStop Local Billings
- 2025-06-22 [Shawn Finnegan Obituary Jan 15, 2016 - michelottisawyers.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9GZHlvUm5mZHpqRm1XeXJfSVA0Yk1YcV9PMEJ3WERZS3ZZMDY5VE9qRExzbXRHdTNBMWpNbVZNQlYyLWRwcGtKNG5ZdllnY25vTFlCdU9FV21ab0ZTY05Oa0JfSkUySWR5NWN3?oc=5) · michelottisawyers.com
- 2023-11-13 [Innocent Lockwood Man Critically Injured After Weekend Shooting - billingsmix.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPeFRTSFg4NklpQjF2bWxxV2l3bmNhYkJiM255UjN6RnRsTGVMMHZwSlVFWTFkN2VjYTBFSXk4TnhlUlNFVXB6WHVRY3pXQzR1Q1Z1aG9pRkFUT1B5TTRPTDBEZWxiZnhlSmVieDVGWlhWQTF2b185WDRKeVdkTmRZc0RTRk5TQ01mcFB0UTNobFg5dw?oc=5) · billingsmix.com
- 2009-09-16 [Mitchael Morgan Pleads Guilty in U.S. Federal Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFB6MG9iRFZ2UF9IQTJ0OFlEVm9MNkdjVU5CSGx6UE9qNUF3NUNvaF91WWs3MlBleGdEbHQ3SDJqYTJWa2ZwbHkxeEw2aDZEUHZvdHplWHJicmZxd29iM21IZEI2REs1ajRfcHBXc3ZRYXFVM0hXX0xlRjl0YnY0UQ?oc=5) · Department of Justice (.gov)
- 2011-06-25 [Rimrock Stages takes over Greyhound routes - Billings Gazette](https://news.google.com/rss/articles/CBMiywFBVV95cUxQZUpNa0IzUU96elUzVk9pTW9hOHFacDNWSDc5clJxekltMjFuamZ4MERLcERiMlFObUhkYkdodWM0dFBKZ2hwSkR4WUU1ZFZ2SmZjUFZ4SzhtNTZnMEtfVUN3RjZBUGZTb0VhZjJidm9OQi0yMmVwYVMzU0J0eXY2NGpCNkt0T1phNWJReVFKOXFnS3pZZHpDc0p6a2JsQXh1V3FPeUdQRmdzRWROTWxVZmRNRjFONW51djEyUWFQT293VE95bVpqSnZTSQ?oc=5) · Billings Gazette
- 2018-07-09 [Max Newlin Obituary (2018) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbklLdlI4bGtTQU9WVk9IZmxtMl9YNjljTXR4Sm1ITGhNUnJsRDZGV3pNb2ZfU0pmVU9tVWpncUxoQVFSQ2xnV3ZkdFdNWHo5NFlrRjJUei1PYnVmc1pwWDJ1Uk81OER4TVNOb2tMOG5nSUZNTTNkOWlJNC1nN0g2ZFFPTy1hSWlPTzdaeXJIRGl0QQ?oc=5) · legacy.com
- 2013-01-20 [Alan Oldham Obituary (2013) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdkEyVkh2YVUyRDJCS0gweUFSRkloamdTTTJLdHlEWXUxN3hXbDZPNm5mUHNnQUMzTENDOENnaVU5M0cwUGEzbkplRmsxMzhiMmNERTd6ZXFzekRkODYzTER1N3F5QkpoUjNvSy1CMWJOOFh4c0tWUEdrSjlDb2U5SFQyTXBWSXdMdkxKYkZuSXlBZXBH?oc=5) · legacy.com
- 2010-05-04 [Leon Maxwell Obituary (2010) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeEVCbjFxQ3RRbTZoMkpGQlpLMmpVaVZpeUJmcVpaLUpEMlFPVmtnSG5BRk43SzRrLWZ2VnNmMnptRk5CbTNrYnNhOHhvWU96STVEWTA4TlRRaFZLN1o3NmF3NUlWWnBpWFpUZjZfNFBsR0dMQWc4ell5V0U1V3g5NFRvci1tZFdwWU4wRHFSdVVUbldV?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63183 (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/15.json (key "63183", 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=63183
- 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