# HIGH SIERRA
BISHOP, CA · NCUA charter 65664 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/high-sierra-65664

Who the members are: state charter, organized 1956. 516 members of 1,000 potential (51.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.6M |
| Members | 516 (-1.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.6M |
| Net worth ratio | 16.8% (p64 of band) |
| ROA (annualized) | 0.46% (p39 of band) |
| Total delinquency | 0.02% (p18 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 55% (p39 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p39 of band) |
| Operating expense / assets | 3.10% (p39 of band) |
| Vehicles % of loans | 61% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $13,020 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $17,010 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | losing money |  |
| 2017-12 | 0 |  | losing money |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | losing money |  |
| 2018-09 | 1 | delinquency rising | losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | assets shrinking, auto monoline |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | delinquency rising, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | losing money, net worth falling |
| 2021-03 | 3 | losing money, margin squeeze |  |
| 2021-06 | 5 | net worth falling, delinquency rising |  |
| 2021-09 | 4 |  | margin squeeze |
| 2021-12 | 3 |  | net worth falling |
| 2022-03 | 5 | delinquency 2x band, members leaving |  |
| 2022-06 | 3 | assets shrinking | losing money, delinquency 2x band, members leaving |
| 2022-09 | 4 | losing money, members leaving | delinquency rising |
| 2022-12 | 3 | net worth falling | auto monoline, assets shrinking |
| 2023-03 | 1 |  | members leaving, net worth falling |
| 2023-06 | 2 | delinquency rising, auto monoline | losing money |
| 2023-09 | 4 | losing money, assets shrinking, members leaving | auto monoline |
| 2023-12 | 6 | leaning on borrowings, auto monoline |  |
| 2024-03 | 4 |  | leaning on borrowings, auto monoline |
| 2024-06 | 4 | auto monoline | losing money |
| 2024-09 | 2 |  | delinquency rising, members leaving |

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

- 2026-06-26 [High Sierra Foundation, Harper House And Backline Enter JV To Create Backstage Wellness Village - celebrityaccess.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOQVhsQmtQOGl6WWlCLUZ4aWprWk1NRldLVEhlQTBYMzFUZnJ4ZUdEV3RMQ2RRR3dVLUFUcXdyODFRTENVRkxLQjhEZlJkQWJyZ3JmNXVoTTJzV21tTThsQlBlOThUYlRlcWM4TV80MkY0Rkh2bkN4TFdCdm5lYkxzTHRlc1VLVTFDOVVkbHgwTmRyY1g0RkxLWGhwTVpjV0lWajB2TWJ3SWRNUmJRZF9Fa2ZhakdkSEltZkVES2o5dldMUzNHMlh6THRXRTF5OUE?oc=5) · celebrityaccess.com
- 2024-07-03 [Desert Valleys announces merger agreement with High Sierra Credit Union - The Ridgecrest Daily Independent](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQSnB1QkVMTWFsTDJaanNhWE1MTlJNd1NkSWpKRWdyR3hPR0tMSFppd01fbVVWWEtEdVNwQk9RamVUelhzSWhJeXNaMU5EM0JNckxZYTlfZXQ3UXI2X1JpaVJaMElYbng2YVVlS3h0M3o2SkR6Z0JBZ0lkUm50MVpFS0p5UEotWnB6WFZ3UjZuOWZZc016bC01amVEY0ZBM3plZGpfME1xN3p6eU5kV3BhYzlpdkxCLUU4ZEl1emV2QWJjTkI3ZGhWQlQ3MnRXS0tobnY0c2NLTUl5SDJqZGVIUzVQLWJfWEpueFdqUllzcDg?oc=5) · The Ridgecrest Daily Independent
- 2026-01-07 [Eastern Sierra Business Resources Center Leadership Class Graduation - sierrawave.net](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPenFobWlSSjFFWURaWHZKdEYyREg4OXd5dnZ0VlZ2X0EwZThtLW9GSDR4Q29KczctcUUxcmlxX0p6VC1ZM1I0QzRLdzhBMGhBSmlISUpNUXFPRFB6UHNBNHkyVFdmTHpYTEhFZUNwT1pGUGd5T1Z6Y3pSYnRxOWQ5MkZjZ0djY2xU?oc=5) · sierrawave.net
- 2024-05-16 [Galena boys and girls lacrosse teams sweep High Sierra championships, head to state - Nevada Sports Net](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOLWc1MXhHRjFRdGFkdEFwMGotY3ZwU0x4cTR1ckFCcUF6anhWejlBYkdHYV8zdl92dUtiejlIeDJSMUpEc1VxbXg2WkFvZmFQbVJ1T3otMy1kNk1VTk1kbXRnZVZmekV6S0pBZkNVWVBzQUFhNHpfTENfTlhPdkpOZWJicEZGeVJ6NzdzS3I2U0hOYzdISEdGMHhVT213YmlKQ29aX2h4b2Q4WXVJZldjZHNUbzlOTFJTcVFLdEtHa3h2MTQ?oc=5) · Nevada Sports Net
- 2024-05-03 [Primus Announces Charity Auction of Autographed Fender Bass Used at Sick New World Festival - Bass Magazine](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOTUpRQk5CUHF0Z1dCanZYUmVnanRvdS1LeFlQa1lsNmJfaUxZOEVoUS1yaUpzdVNfTEV2Qm1PRTBJNHJjMWFScUVldHR5bXpjNF9SQjFWRzZzREN1TDAyeE1kZEdEVDBwWXpmMl9vVEdPbWh3WVJvMzItQ1FuVzAwTXd4c294RWstNjJSZWtXS2VhOFFHaWhhWHZsVWYwOHRwZzlpVmt5UUI2dDhpZmtRblpsY1lSakJD?oc=5) · Bass Magazine
- 2016-07-20 [Winners: Quilters raise $3,106 for G.I. Dogs program - Reno Gazette Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUnpkMFpjMjBkdnlqSnlXQU1QSXl2UHBMd1hHbjhRSWFjRERnNmFSajZGSE1tdzdVWmZQeHRvUDY0cXJYMnpTS1duLUpKZlhaUXhpWjczNHlnUy1tbFRheTgyMTJHN3VPS2lMQnJpMy11YW9xVFVSQ3Q4ZHg5dzNjRFUtY2ZKNlNJdGtBcHk0Z3BJMzhxdDBYTw?oc=5) · Reno Gazette Journal
- 2020-12-29 [Alan Hager Obituary - Northridge, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNd0U2b2lPN0YxdGFvVDR6ZndiTk9idlU0eFNNMzB6WktJc2FRYkg5bUJSX1AyRGdYSlU3R0h0eDUtVG5OTl9BWjktb0FGbnNJS0tQRWNZV3liWmx4Q1JjVmVZNzhwQzgzek1ad2ZkZVFjc05KbHJUOURKUGRhWE9pcg?oc=5) · Dignity Memorial
- 2024-02-20 [Primus and Coheed And Cambria Announce Summer Tour - antiMusic](https://news.google.com/rss/articles/CBMimgFBVV95cUxQaVM2ME1QSEI2c1p1b1liRXBVMklYandoaTY5eHdXeG5CYi04cTBadklXUEZ5NUEzYkh3QkhTMjBiblZSUlRJUjUyRzFMT2pJUzZBbkhSd2wtRm9xb3pJcnN2S0RmaTRkSjJ0ZFhrQ1lpSFdlVGVPT1lZdjRLdHN3NkVvTjdXUm9qSVNxck9WSExtU2ZwaURZNFdR?oc=5) · antiMusic

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65664 (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/0.json (key "65664", 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=65664
- 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