# UNITED SAVINGS
FARGO, ND · NCUA charter 65578 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-savings-65578

Who the members are: state charter, organized 1935, low-income designated. 7,161 members of 100,000 potential (7.2% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *ordinary*. 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 | $125.3M |
| Members | 7,161 (-0.4% YoY) |
| Full-time staff | 33 |
| Net worth | $15.7M |
| Net worth ratio | 12.5% (p61 of band) |
| ROA (annualized) | 0.19% (p17 of band) |
| Total delinquency | 1.30% (p83 of band) |
| Net charge-offs (annualized) | 0.45% (p62 of band) |
| Loans / shares | 81% (p73 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.40% |
| Net interest margin | 4.10% (p76 of band) |
| Operating expense / assets | 4.20% (p69 of band) |
| Vehicles % of loans | 26% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.49% (p46 of band) |
| Vehicle NCO | 1.26% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 20% |
| Average share balance | $7,744 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $15,637 |
| Loans granted, annualized | $21.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (16.7% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 2 | leaning on borrowings |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | delinquency rising | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | loans>95% of shares, leaning on borrowings |
| 2019-03 | 2 | losing money, expense trap |  |
| 2019-06 | 1 |  | expense trap |
| 2019-09 | 0 |  | losing money |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-09 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, losing money |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 0 |  | losing money |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency 2x band |  |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency 2x band |  |

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

- 2026-07-28 [United Savings Credit Union breaks ground on new Detroit Lakes branch - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUEhlTklGWERrb1dhLXRHMnlBVjZEbkVtLTNScjdSWVhMMjhOaFI4WU5JSEh6ZTZrd3A1UlRlMTNpS01XMWMyWmxXdEltdmNhallaSXJSX1J3dXFjaHFab2c2VVU5UTJlMmVlVGx4YjA4bVJsMFlCYmpRQm10aVN5Z3lYRkZFX0J4dFFneF9KRnhzbUtBWmhaMnA0NGptRWtxXzNtbTZOMi1zUQ?oc=5) · Detroit Lakes Tribune
- 2026-02-11 [Detroit Lakes City Council advances credit union, coffee shop at former car wash site - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMivgFBVV95cUxOSEN2RWIwUFVKZzdwNjI5V0pTMGFKU2lUaGVkQ2o1ekl5YVBsVWtrQmRYZ1ZzUG5NSklOSF9OOGl5YXhST1F6WGh6T2xZeWJ4dlVUMXI0dmZjS3VCM1F6d2tPeElBMS1UMW9STTNkUEhZMzBnTnVRT1JSZ0k5SUFBWm1IUGp2NU5aNmV5R3R2OFZQdmZmNjJxTXpsT3lIamN5cnRfbTJYMllBT003SExxYldXMkM0MzVRTXNDdVJR?oc=5) · Detroit Lakes Tribune
- 2015-05-28 [United Savings Credit Union opens new Fargo site - InForum](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPR3ZnQTVDa3lsakVWV2pQU3JMeGFRREduNFZYRU1qNEVYNF95OEFKOVI0MEZ2b2JYemxYUzVrb3NiNVFRWXl0VC1jUXc5ZUdaSy1VeDR5VFRRd0tYTE81WkpmeEFsNWhpM2tmMmVvSjh0VHJ1S29Wd0l6Vnk0QXhMeUNlR0FhZkFO?oc=5) · InForum
- 2024-05-29 [DakCU announces individual achievement awards - Grand Forks Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbE5VX3VZOTBHVThUYm9id0FQZ0pQbTZJQXRYR3RlLUxHZTY0V3NkdFFMcm5xOWw3TVpCS1BKb29YcVlXeldQUFZOMXNXMXhzaUNRTW9FWXc1MDA5YlAyUmktcWkwU2pwT2FHT1puTlBhWTJsSDNhNk5TSDVTb2FWdjdGX2NLOHdmbm5MZjB5RHJOSkpKc1dEMXZldw?oc=5) · Grand Forks Herald
- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2019-01-23 [Obituary for Maynard Schmidt - West Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE41MTFyQk1tbEJYdks0LW00clhQVTdjRnJfX0lCRnhGa0h2TVZKMXlzOG5sV0ptVFhzaXdmTzRZNmR0dzhqRlZIOG1aUFRUYUxJZEVmQk5UR21VMGswVkh0elBIWEY5cXM?oc=5) · West Funeral Home
- 2017-11-12 [Wencil Dusek - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1pWmlzSS0xaGJLS3M4SFZ4ODhjc1hIeWVGU1Z4SzgyQkJuaTZPUFFzSFl2NDNvVDFqNmYtaEg3aC1Db1poLXlXQW5aQzBOc2RsYnI3WGNObXJZUERFY05Z?oc=5) · Boulger Funeral Home
- 2020-01-27 [United Savings Credit Union opens Detroit Lakes branch - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMikwFBVV95cUxNOHlGMVBUVWpGT0FOTVlhM0RKeXF6b0U2THFoLUhmdUM2UFI4SWIxNnVOT2pORWlLM2hIcE1LRzhCekdqVDdOcEJKeGZKV1R6eF9ZbThxSlVOT3FhSnR3SFVRRWtlQldoekJMcXZKeDVZX01NWG01aFMtRE5zdXVJMGdycW1fdDJaNkhSdkQ2QTFmbDg?oc=5) · Detroit Lakes Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65578 (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/42.json (key "65578", 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=65578
- 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