# ALPINE
Orem, UT · NCUA charter 64332 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alpine-64332

Who the members are: state charter, organized 1955. 19,839 members of 702,434 potential (2.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $362.8M |
| Members | 19,839 (-1.4% YoY) |
| Full-time staff | 58 |
| Net worth | $36.5M |
| Net worth ratio | 10.1% (p31 of band) |
| ROA (annualized) | 0.97% (p70 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 0.24% (p34 of band) |
| Loans / shares | 76% (p52 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p26 of band) |
| Operating expense / assets | 2.82% (p19 of band) |
| Vehicles % of loans | 44% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 245% (p87 of band) |
| Vehicle delinquency | 0.95% (p75 of band) |
| Vehicle NCO | 0.44% (p39 of band) |
| Repossessed % of vehicle book | 0.15% (p80 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 37% |
| Average share balance | $7,961 |
| Participations bought / yr | $11.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.3M |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,718 |
| Loans granted, annualized | $71.6M |

## Participation posture (from the same filings)

Bought $11.9M and sold $0 in the latest annualized quarter; $28.3M outstanding purchased (77.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | net worth falling | delinquency rising |
| 2017-09 | 3 | delinquency rising, auto monoline | net worth falling |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 4 | net worth falling, delinquency rising |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 | net worth falling | delinquency rising |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | auto monoline |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | members leaving | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | net worth falling | margin squeeze |
| 2022-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, repo signal |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | repo signal |
| 2024-06 | 2 | net worth falling | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-02-27 [Joyce Eva Jorgensen Obituary Dec 19, 2023 - Walker Sanderson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTFBldjdxTE5sQm9ZSC1ib3p0eW5iakJXeFhQdlFjalhaN1J1b09uS3NSVjc3VVZYWkNTbkdZeFpVQVptMnBuMmpLbUFyWFVqSk5xdDd0YXJwNVNMMmZiT3dJQ25KS3dLN2dUVWc?oc=5) · Walker Sanderson Funeral Home & Crematory
- 2026-05-15 [Pitbull Setlist: What to Expect on the 2026 I’m Back! Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE13UlhrRjZJdFE0U2Q3M0pHclVWTXNpWUVOWmNuUmc3d1FMNTVSTVh4QTd1cGdBY0dQWU9QV19hMVd4WnhpMEFNeDZYVGVWUF9sUWJlY2ZWb01FZw?oc=5) · Ticketmaster Blog
- 2026-04-17 [Here’s where to find festivals and activities across Utah this summer - Deseret News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQmVqY21KaFBOX0tzWTJOMzhjNG1JZE5DU3hTa0hFc3VjYVNlQ0ZVc2xFem9xUHF0RlViNXZnVk9ibjhEdDdoS3Qya2FEMmFsUS1tSU1kc2JkNXdjbXFBSGZQR1JqNi11TWRuZ1RyMUt6N0lvTzdicnl0bzNZOUltd1U0TEdfSXdKOUZPWUgyQmU1VG1LQkJjbVhyYWhiVzF0UGNjSm1DYnM4cGlMeEE?oc=5) · Deseret News
- 2026-01-15 [Pitbull Announces I’m Back Tour With Lil Jon as Special Guest: See All the Dates - Billboard](https://news.google.com/rss/articles/CBMinwFBVV95cUxPa19yRTFScVF3VVJSNFFIc2lxekxZRDRBLVhlVDBVVmxuZ2ZKdV9ZZlBBa0dKSG11d0JnQ3A2eVluYjZGNWQ3dkZLTWNFVUlxdkEtSUlFbTIxSUZNaURZaEVFVFBmWFU5VENscW5LbWMxNHJxaE1EQ25CaGQwMXVqRmdHdWFjbTdsaFRkeXZ6YndDREFNeEZHMXFreXdmUms?oc=5) · Billboard
- 2026-01-18 [Pitbull Announces I’m Back Tour Featuring Special Guest Lil Jon - Eponymous Review](https://news.google.com/rss/articles/CBMimwFBVV95cUxNY0Y2cWdzd3dPaXROUVFzQXJTTFpoLVFZNE1xYUlaTFdjVllMclMxamZMUjk4bVFaQURLR2F5V1pfR2FwdkZjRFpTRUZYY3ctemJBOUo1ODhpbDlNM0lmVTBQZ2pwb1FURzd0Vkh0cnRuR0ZVbkVmcy1jTHZEaG1wRmxLZld6a3ZKMUUzOXNTVUxJbVJYYldKQV9XTQ?oc=5) · Eponymous Review
- 2026-01-15 [Pitbull Plots 2026 North American Tour - Exclaim!](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ZeFhaYVdOQko2d0lDaW5UdmZNQ2FYd0hxbUVIQTlPa29HSkdQb2pwSlFCajB6bnY2ZTZpUjJkQlNSamttem8xYkxGT0JyZDA3Um1tb0ZFX1NfNThkZzNKLWRjaVlGb0dtSU94aUV6ZmI4OTNvN004RmZXYw?oc=5) · Exclaim!
- 2017-08-09 ['Great Outdoors Bandit' linked to series of bank robberies in Boise area, Utah - KTVB](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNaUtVLS0xa2RlSy1Cc1VDMlBDZGo1S1FKNDZLa0hRYmhmREFWM095X0Y5dFFJQlBVRnNWRll2QWR4XzJLVHc0bkZ5eTdtRDlQTURfczByRnRvSDVFRDNDbXdjQUhWRXlCSXNJYWxWcXFoRWtVLVRBOHJ4UjIyWmw3UG45eTJXa1dOMlpTQmdwYkN3a0ZaYkgzUDhUVm5HY2piUkdLUU5ZQVFCcUM3SzBSRWZfcE90elBnUjd6RkNWMEFPSk9qVlBobw?oc=5) · KTVB
- 2023-03-23 [Robert Alonzo Sandstrom Obituary Mar 23, 2023 - Walker Sanderson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE4td2otemlIMng1dHU5bFEydzhDZThvc3dRZTdxSk5sZDBiOEtaRWpUdzdFNkVJODlhQmh0TGptd19odWdhb3A4X0JXMm1DUnBsd0loS1pfT19VcGxVYk5BeEJhNWJDMjVVSzFz?oc=5) · Walker Sanderson Funeral Home & Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64332 (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/12.json (key "64332", 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=64332
- 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