# OTTER TAIL FERGUS FALLS, MN · NCUA charter 64343 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/otter-tail-64343 Who the members are: state charter, organized 1954. 2,266 members of 18,000 potential (12.6% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 18. **Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $16.6M | | Members | 2,266 (-1.8% YoY) | | Full-time staff | 3 | | Net worth | $1.5M | | Net worth ratio | 8.8% (p22 of band) | | ROA (annualized) | 0.00% (p32 of band) | | Total delinquency | 0.52% (p56 of band) | | Net charge-offs (annualized) | 0.00% (p38 of band) | | Loans / shares | 35% (p28 of band) | | Cash / assets | 34.4% | | Borrowings / assets | 0.00% | | Net interest margin | 1.48% (p11 of band) | | Operating expense / assets | 1.85% (p16 of band) | | Vehicles % of loans | 61% (p53 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p46 of band) | | Vehicle delinquency | 0.82% (p72 of band) | | Vehicle NCO | 0.00% (p33 of band) | | Repossessed % of vehicle book | 0.00% (p47 of band) | | Real estate % of loans | 7% | | Credit cards % of loans | 0% | | Unsecured % of loans | 4% | | Commercial % of net worth | 8% | | Core shares % of member funds | 51% | | Certificates % of member funds | 6% | | Average share balance | $4,589 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 18% | | Loans granted per 100 members, annualized | 10% | | Average loan balance | $12,713 | | Loans granted, annualized | $3.3M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **net worth falling** (`cap_falling`) - **margin squeeze** (`earn_nim_squeeze`) - **delinquency rising** (`aq_dq_rising`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 1 | thin capital | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 3 | net worth falling, losing money | | | 2017-06 | 1 | | net worth falling, losing money | | 2017-09 | 3 | delinquency rising, assets shrinking | | | 2017-12 | 2 | | delinquency rising | | 2018-03 | 2 | | | | 2018-06 | 2 | | | | 2018-09 | 1 | | assets shrinking | | 2018-12 | 1 | repo signal | thin capital | | 2019-03 | 2 | assets shrinking | | | 2019-06 | 2 | members leaving | repo signal | | 2019-09 | 1 | | members leaving | | 2019-12 | 1 | | | | 2020-03 | 1 | | | | 2020-06 | 1 | net worth falling | assets shrinking | | 2020-09 | 1 | | | | 2020-12 | 2 | margin squeeze | | | 2021-03 | 4 | thin capital, delinquency rising | | | 2021-06 | 5 | auto monoline | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-07-02 [MMFCU announces agreement to purchase Unity Bank’s Clarissa branch - Brainerd Dispatch](https://news.google.com/rss/articles/CBMirgFBVV95cUxPb0RjWEprMXdHeXJsOFVLTUI1cVR2YlZxQ1lYZkpBNFVsejhFN21nUENkRnpWa1MyZW5DZ0NjY3R0ZGhLSU41U0ZFZkVVTmUyellCNUdBejl4V0NyMmVPVlpPV011VE53XzRRUFdiYjM4d1JyN1A1UnlobWNWcjlabHJfYkxCMmJEMDRwMHpwZ2Y4aUxhY0R6SmkxVzdzVnFUZEtoQjBsWW1DV2NLNWc?oc=5) · Brainerd Dispatch - 2024-07-16 [West Otter Tail County Fair July 17th – 20th - Fergus Now](https://news.google.com/rss/articles/CBMibkFVX3lxTE9aazBIN1NPelVLTXpRNVRnckZBanlHRmRsVzlyM2ZkeW9YMEhKOWZRZ3VVOHl6MHlwQWdwVENDTEZWOGRBRTZubnQ1bURjamdYNXBTMzVETENWMlY1bVVMZ0s4dDVrNkk5VnNFNmhB?oc=5) · Fergus Now - 2023-11-28 [Mid Minnesota Federal Credit Union relocates to new location in Wadena - Wadena Pioneer Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQcjkxY1RGWENwSWpQUWdRMlNXWWE3OU54XzlBSExqRkN4SVRoZFljWHZGRE9tb2dzcXFLR1Z6djM4UGJNZ2dGV1RJTUVSMzhpMzdqOUY3Z0ptaWtaLWc0eEswRVF3b0xFeTZJRDNLUHpZWTBKRHFYZWlUUXpWRjBwdkctWlI1SVB5VnpOT2RVdmZuS1g0SDVpTWNkQV9WeU95SFR2WHR4UHZvZw?oc=5) · Wadena Pioneer Journal - 2021-07-15 [East Otter Tail County Fair returns next Thursday, July 22 - Perham Focus](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbTRoU24xVDN0ellrMEtRWFBMd1VITzU0T0pJaThuZmRtT0xER1o4QjhObndNX3JMMmJHelNqMjBRcVBuTENJMUxXc1Iwd1RFWkVPMEwxVGZQNzlJcGRDaUdCdEdjMUlReUhmNE1ZX1R6VkxuZUJHZTJaeEdvQWNRRWpZWjVGbGRodkJsWHIyd1dsTW8yYWVOaDA4TQ?oc=5) · Perham Focus - 2023-12-23 [James "Jim" Leland Perkins Obituary Dec 23, 2023 - Stenshoel-Houske Funeral & Cremation Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE5fNUxKX0lUWXRvRWtwYWhCdzRqc2gyckI2MmE0aElwd0pTMko3S2hsNlZ1cGlJNDJtWmwxWkxWUWlseWxleUk3X0NUNTBmSFJackpyMmxBaWJUa21mTTdxM0h6TDl6RE9rOXdYUA?oc=5) · Stenshoel-Houske Funeral & Cremation Service - 2025-07-09 [Leading Edge Credit Union Welcomes New Manager to Worthington Branch - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPNG8yV1NoTlZPNVBFV2pLckVUVkdkVVVCb2YtQjNjdHEya3RrcGh6QjhRVzJuSlJlQ3ZhTHVqVGN6cHB1RDI3X2VSWG9mX2I2Yy1MS2w2MDh6VHA2NU54UERscUdnZXg5bDRhRkxBa0haUW5kSWRzWGY0cDIwc3VpbGZvU3gxeDhCYXVDSkZ2b2RjS2NaMWhNYjNUOU5zRVhLQ3BJV0Y0NWFwXzhOTVM0ZnhnU1AyUm1XUU9VVEpjTFdLT0pYWllZdUoxUkJ2WG5W?oc=5) · The Globe | Worthington, Minnesota - 2023-05-24 [NEW VICE PRESIDENT OF REAL ESTATE LENDING NAMED AT TRUSTAR FEDERAL CREDIT UNION - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMimAJBVV95cUxNQ3p4am1rRkhtRWJZUmdCOHg4WVdtTGMtNGVoek9DUWRPTG11bUlKYWk2Y21qZEJSeS1PUDVjVWRZTUtTWGsyWWF6TGM2VDNybElrYkFLTUNDSXgyaVZEU2szcHNYY2xQTmNOUE5FUk5ubmNta2NUX0NFWGkyQlFZdlR5VjliT0d0YTJwSXhuSTlxc241emFNUFBjVDNlejhaRnVadTg4TThwNW5URlY1QWpwMndlckxJc1c3aW9TMS1ReW9qekVrblNwNlNYZTVCcC1OUExyQ1pxOVpOR0kxNHJXMnVpMVdxc2ljdkxlc1F1ZjZlN2tNZi1IZVpwREZkd2Qwci1wMkhLcndYdGhMYUtPT1pVRS1N?oc=5) · Park Rapids Enterprise - 2023-05-13 [On the Street business news, May 19 - Alexandria Echo Press](https://news.google.com/rss/articles/CBMieEFVX3lxTE9LSUhZLUdNd3RaWTYwbFN2M0VHb3R1NXloSmZLbndsR01wWEZULVVCbVBWX245Z21jNmQ4bm41UEEyVkh6RWN1Y015R3puYzh2YTZJb2hBbk5fX05wNE9ZYjNRbEtiYkxYRmQwMm96dXFpaXJINVY4Ng?oc=5) · Alexandria Echo Press ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=64343 (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/23.json (key "64343", 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=64343 - 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