# BENTON COUNTY SCHOOLS
Corvallis, OR · NCUA charter 64059 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/benton-county-schools-64059

Who the members are: state charter, organized 1953. 2,351 members of 4,898 potential (48.0% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $70.8M |
| Members | 2,351 (6.2% YoY) |
| Full-time staff | 10 |
| Net worth | $7.3M |
| Net worth ratio | 10.3% (p24 of band) |
| ROA (annualized) | 0.34% (p31 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 0.02% (p21 of band) |
| Loans / shares | 53% (p37 of band) |
| Cash / assets | 29.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.46% (p4 of band) |
| Operating expense / assets | 2.53% (p16 of band) |
| Vehicles % of loans | 13% (p7 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 | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 18% |
| Average share balance | $11,874 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $31,972 |
| Loans granted, annualized | $6.2M |

## Flags firing in the latest filing

- **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 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | net worth falling, delinquency rising |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising | thin capital |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 | net worth falling | assets shrinking |
| 2024-09 | 1 | delinquency rising | net worth falling |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2025-11-18 [Benton County Schools Credit Union puts down permanent roots in Philomath - Philomath News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVFZSV1JuV25oX2hvVWRYcHpzYnJRT2V0aFNJMDBNXzBIcExwNmQ4bFoyVldjVllRQ3JBRDR5RlJwbVVGZU8xOHR3RDRhcFhOV1ZyakRVT1dlOFI5UzlkZUR0OFdVQzhOTXR0VEZBV2RWX2Mzd0g0Ni12VFJJM04xOWFVNkJEVjd4MC1NZ0ZLb2JtOVNUbDc3TVFXeXlraTFQVXc?oc=5) · Philomath News
- 2026-05-14 [New grants help Corvallis teachers cover costs of job changes - kezi.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPdUllclgtTTBkVjQyeVVwRGpUdTRaWlV1dHhOWjI3Yl9xQlVjTWQ4SXA0MWhrb19Hbk9sb1kyOWtkOVV6bFF4WUFZRXg0UDJWcVM0UEg1RnFaeG9haWZTajZjOEstWS1WRFplXzJGbU1qcXFkTmw4VDlyZFRFUHBuUUMzb1o0aVFJTFY1Nm9XU3VnZ0pONGs0MVpja3ltU1VKRXF5Q1FkS1NNY1RjTXpkN1pNVTBhOHN5a2FFV3VSYUxaMnBzTXJGTlp6U2NZUE1TenpCUzMwM2R2T3c?oc=5) · kezi.com
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2024-01-04 [Harold Brauner Obituary (1939 - 2024) - Corvallis, OR - Albany Democrat-Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaC1neFFJTE9OdXdoeGUtQnpxaUVxNFBRemVnNzhnZjJCQk9tRVFmMk1ucTdmQzRqUWxSdTg5ekVmMkRWWmVRSkdManRZdWxOcUYzaWlVV1UxUE0xZGFNSGVEMi1JYmZ6YnFORmhhVThlb0dTMWM0VTh6eU5RckIwWUhEcnZpcS1jRk5RSlBMeHRFS3dqWldr?oc=5) · legacy.com
- 2026-06-02 [Letter: Donors, businesses step up for Philomath senior celebration - Philomath News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbDlONVk3aU1uSm8xQ0tkaGdBVUxMOGI4VEgtVGRxTzZfWW5pNUIwaXFsT3Y3ZHR6QldlWkY2eUtwLU9xam4zdUhWblVtb0tUQU9nWUlXOVJyOGVXLTAtMDNrRGFCMElsbFpmWTF3LXpsRnVKRkF0YjBIRGFoanRKY2FFOVpKMURYUTVONVNkdUF0dENNLU5n?oc=5) · Philomath News
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2026-09-09 [Bragging rights on the line as Philomath’s chili cook-off returns Sept. 13 - Philomath News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOSDZFaHJOakhGdUF6SFJ3WFd3OFA5aGVzNndwS09JdGJld01nTjdyZTMzTVNCV0lEZlY4dDlncVZJVmk1aXRfZjRyZHVEN3AtUnpCdUpJamtqelRxOHFGYkI4czFQU254Q1BvaUNJeFhVLXp4NFl5eFVJR2p5Tnlmc0k3ZzgxRkRYRVAzNTRwd01pbU40VnpUc2lHQW96ZW8y?oc=5) · Philomath News
- 2025-11-19 [Mount Union Stories: Anna Layton (1839-1914) - Philomath News](https://news.google.com/rss/articles/CBMid0FVX3lxTE5Ud0s0bnltMlRMLVRzMk9MUGJLRF9CcUNZa3lwYm43bVVhSGhFOVFSN3hBVkg1ZTNlTGVLU0d2dTE5bGNOcVRjZXVlWElqcUtZSktsR1hSZkxkc2g4dkJLcVVaT0JRYTdtbV9MVG1fNWkzRnozWkhN?oc=5) · Philomath News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64059 (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/59.json (key "64059", 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=64059
- 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