# WHITE PINE
PIERCE, ID · NCUA charter 65786 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/white-pine-65786

Who the members are: state charter, organized 1964, low-income designated. 1,197 members of 150,000 potential (0.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. 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 | $8.1M |
| Members | 1,197 (-1.3% YoY) |
| Full-time staff | 4 |
| Net worth | $1.0M |
| Net worth ratio | 12.7% (p50 of band) |
| ROA (annualized) | -0.16% (p20 of band) |
| Total delinquency | 1.02% (p54 of band) |
| Net charge-offs (annualized) | -0.16% (p3 of band) |
| Loans / shares | 67% (p64 of band) |
| Cash / assets | 40.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p52 of band) |
| Operating expense / assets | 4.53% (p77 of band) |
| Vehicles % of loans | 57% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.87% (p57 of band) |
| Vehicle NCO | 0.05% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 24% |
| Average share balance | $3,238 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $7,409 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, repo signal, auto monoline |  |
| 2016-06 | 1 |  | losing money, repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | losing money, members leaving | auto monoline |
| 2017-06 | 3 | net worth falling, margin squeeze | losing money |
| 2017-09 | 0 |  | members leaving, net worth falling, margin squeeze |
| 2017-12 | 2 | losing money, delinquency rising |  |

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

- 2026-08-31 [New program makes local history more accessible, affordable - Manistee News Advocate](https://news.google.com/rss/articles/CBMingFBVV95cUxOeXhHcUZwbXM5NzN5YUJWakxSeWd1Uk9UTk1RYWpBeGdhQVpselYyWXk3N2dmYTZGLTFIcmJEQXhJbHNOZUN3OXN1cXFmOWlBYzdhRnJaLTJSOVEwaVJwdjd3LVBXYVdnS1NjcW1JSTJFM21ScWJ3TWhVaEVscjVlczlCZGhDbG5fOEIwM3dpNEMzbjRYZE1sMWtabVgwdw?oc=5) · Manistee News Advocate
- 2026-07-01 [Diana Mae Hedrick, 79, Weippe | Obituaries - Clearwater Tribune](https://news.google.com/rss/articles/CBMivwFBVV95cUxNRndwRUZGS190dHZiV1FaOGtHVUhFQWRHblBSSGtlR1BCR01Fd0ZVOXN3WjAxSUx6YmNvYkJ2TnNUZlZZMmtsQklUQkVEbHFQT2JNblMyT3dXY255QjV1bHBuZjVJME5XeGl2NlhoamVyS01WTXZyRk1qclRsSG1GRG40R0x3OFBTTVN3Rk5VQk42dHlqUzdxVlc3d3V6ZnFweXVYZkNZeU5rODV5NmEyd3c2SG5VNDRSbkItZTd5NA?oc=5) · Clearwater Tribune
- 2026-07-06 ['Pray': Pierce, Idaho burn victims fighting for their lives after 'out of control' bonfire severely injures 8 - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxORF9XN2NBMGhkZ1hmSE41ZnJMcTh1cWp5bjNJX3B0M20yTi0ySGZFREZpQ25DOWxURlZwSGR5cXdIcm1IVjd3bVlmb051SEpzZ3UzZmw4ZmxyTHJnNW5QbnJxd0lFNHRxX21XZ0VCM0NNU0hkMDZubWNTa2lRVXVzaDU5RmVUSmpzX2FtVktpWGtUemZQdzJlTWJhLUlqdw?oc=5) · The Spokesman-Review
- 2026-07-07 [Fire at Pierce results in several injuries - The Lewiston Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxQalRLc0VtZ0hkWGw1SzVZYjJiTzZjS2FrcGtobnFSMHlXZE90c2lCY3F2YThoVUhNQ3pWV1pjWi1OdlNWMHJlUWo5UXZhQXpJb3BTcXMxZmhyQkJhSVNZcW9MMEdNSElzNHVqOENWbVlkUnJaWWc1Z0VxM0k2UGFIa2otbURqZkQtQWpidkRNRHNRdw?oc=5) · The Lewiston Tribune
- 2026-06-26 [UI student wins Miss Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxNM1kyZ0E2WGtCY1lLM3Zaa1VZQmxOYzNqd05LRFZmaWkxZEowUkM3dGoxQVRHdDJ1blFacFN5b0lIallVZUJLRWlEeXpVQjlNTWJPVWk3Z2tYSHF2UXNoWk5vbDhueW5CUDUyd280N0FuMTFyMDNWYktGOHVZUE85Q1NzZzg1N0NqQzVORG5tXy02NmdaeWE2T3YtNXBGN3BaaTM3czBqS18yZm9SYjVPWHFHY3BXRVU3VDVOOUp3?oc=5) · Idaho State Journal
- 2023-06-25 [Carter John Hansen Obituary Jun 25, 2023 - whitepinefunerals.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9RaXhIcXlsaWFoUlFDNHhEYnluVzg4WVVXUXRTbWtoM3ZMMXZDbnVnMFg2UDlpSjNXQUZXdGl5VThPSjYzM3ZYbnlIM2ZSYUFLX2ljU1RjLUNBTTMzQXlXeGFRNy1aXzFQMEE?oc=5) · whitepinefunerals.com
- 2018-03-07 [Rural Idaho banks struggle to stay open - Idaho Business Review](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQc1dfNUVPYngyR25tXzhRdHZHczFjZUctdTFiejdmNjZQVlV2cDJMbDhrWnhiX1NCYl9Dcy1QWEgyS1R5U1ctMXFrNl81TVZILU81Q1BVd1p0cDU4TThHSEwxeGp3LVhoZzVKM0dEaE44MGFuY0FuZ3RiUWpSRzNWTXdpeUNZUEI2Y0Vj?oc=5) · Idaho Business Review
- 2025-11-17 [Here's where you can drop off your donations for the 2025 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaDVJVTkySHFzNmM4S0haQTZjSEtoZEZCa3Y4QVdtcmRMV1pLWlZWa3U3aDhZMndVSExrY3dvR0pyWHZuT3NFdWFNekFjU3UxZ08zWW5KSG83el95UzFFZEdqWnR0TzBvMDIxeTFaMnJNOTd3d0EwbzRRbndhQXE0NnRjTXlaY2RYS195UlAtWTlublZpY3pGQWhyWEtWSU5Tckl3RklzRmdYTTgzS3F1NUdFdEFEc2xfelA4TXVKVFJ4aEQxYXNmeGZsaXJoQ1Q1R1BkSlR2VHhYQQ?oc=5) · WZZM13.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65786 (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/58.json (key "65786", 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=65786
- 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