# FIREFIGHTERS
ONALASKA, WI · NCUA charter 66423 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/firefighters-66423

Who the members are: state charter, organized 1931, low-income designated. 4,919 members of 40,000 potential (12.3% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $130.7M |
| Members | 4,919 (-1.1% YoY) |
| Full-time staff | 23 |
| Net worth | $21.0M |
| Net worth ratio | 16.0% (p87 of band) |
| ROA (annualized) | 1.30% (p83 of band) |
| Total delinquency | 0.58% (p47 of band) |
| Net charge-offs (annualized) | 0.10% (p22 of band) |
| Loans / shares | 102% (p99 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p53 of band) |
| Operating expense / assets | 3.10% (p29 of band) |
| Vehicles % of loans | 8% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.30% (p80 of band) |
| Vehicle NCO | 1.24% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 47% |
| Average share balance | $9,280 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $49,550 |
| Loans granted, annualized | $66.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

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

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

- 2026-07-13 [Team Police beats Team Fire in third annual Local Heroes Softball Game - WLUK](https://news.google.com/rss/articles/CBMitwJBVV95cUxOWmIzb0lrNkkwS2pTMFhZZm41bGRobE1NR1poQzJHZlNsWWdRNl9YMTdDR29ITm40ZXYxYTlQSkZST05TQVlHZi1QQmVQVExHYVYyYWFUZ0xxSmhNczNjR01UUmpmRlo3cDFjZXFSME9rSVZCWHFabS1vclJGbkJBU1F1b2FHLW83MnluZEpFaDVYVDRrYmpkNXAtb3IzLVNILWJfU2NONEF2VlltZU5ESWpKdXlWTU5GcjRYa0kwaGxKZXZCVHN5ZFBlMnFTUTdaNmlxN3ltQmo2YndCVTVjaXlFZ2FHRFhxT0FkNGNjTVNRX1VVQXpIa3FpajJJWWFBUzRUT3htMENZR01pdk5iZkwzbXczSzl1NHdKNk93bmF2WXd0eGNxYnI3ZzM5UTZjdDFHUlBBOA?oc=5) · WLUK
- 2026-05-05 [Firefighters tackle rescue training at water tower - ehextra.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNVUszQjcyZTJzdlZscDc4TVE4ZVdxT2tXamx4NzFLV3k4bmxoRHhkaTFteWFRSFJtdVZXMVRtS2JLRjdOUjB2TGlCZlAzWkctOWJodnczVDhFOVdKdDhqSFV2cmIyaFp3YWpaTVZlc0JLOG9ucVV1SW5COW9ZOVBQV1pCUUVWVEpNcHZGVC1QdzRaOTR3bEhTTW03bFE2U21CQ3VNOUtyN09Jd1RZT0kxbl95cUpZWUdtdDFaSGpSTUpWVVBXeVRYWg?oc=5) · ehextra.com
- 2026-02-24 [2026 Savannah Bananas schedule: "Banana Ball" dates, matchups - ESPN](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXdJTkROZ1dqbnB6dEh0Y21nSV9aVjh6cjJZRUhhV3lyVzk1REhpb3ozVXlBSnpjMVlwcTE5OE9DX2lFbWlTYmNDSV9mWXMwMHRJMV95RHlSR29HYkoxX0RuZlo5MkNyVWZQenI4MXNpTjUtaHpReDVKTFIzOC1fNjhMSXlBc08yMmZwVTBMSUhVQ2xSY0VnOFpGb19xY3F4WHM4Mg?oc=5) · ESPN
- 2026-04-01 [Local Fire and Police to Faceoff in Second Battle of the Badges Benefitting Local Nonprofits - YES! Weekly](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZGViLWhBX0VnVjd3eVRUYjU0aUJ0QU9SMlZ4cUd4NmNlMVJRWEdtNFdEdTBmOC1ieTB1TzN1Yy13NkdGRlNNWk4tRHNYSkFKUnVPc2NVWThtYjdOR3Y2Mm45YThDQ2ZuUlhRamlmSUhEZ005SU9Kb3ZBS1RmUU9ySUVXdlhWM1BXUk8temFNc2JXNTFfY05ibHkxNXB6dURxZVc1V05jdHJ5RDBqTkF4NkdZcFo0T2FTWFpCdWVMWk4takVHYi01NDdwRTEzZUc5LTh1M3JOWHFJNkJINnp3bEViakN0WmNWclJ6UUg3QTcwV1pPNWpNaWZ0VkVpa003Z04w?oc=5) · YES! Weekly
- 2026-02-02 [See 2026 schedules for the Savannah Bananas and five other Banana Ball teams - Savannah Morning News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOX0NsQUIyVVdrbjdSdFZ5UlM5eXRSMmFfa2lFVnpyYVBqTlB6bEk3ekZqaGQzcjU0aHdVQVV6OVM2d1VZUWFuVXhSeGlfVVZXLUswWG9obXNaTkthN1dpLXVMR3RWdldYenVKN3JGa19JU2NodURYSU50dlgzeEVxU3ZkcmZHSUhLN2ZzNjlia25vblZmYzE3WjNCWnRhSjVaS25TNG1OVkpySVVidmdQYVhFS1JTQXZxMUlPN2N4alpoNDlHM1oxN0IyRTFVd1NDRTI0?oc=5) · Savannah Morning News
- 2025-09-27 [Police officer hurt in McFarland collision with fleeing flatbed tow truck - hngnews.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQekpIRnpLTkpFQXl1WkM2MkNBMm4zWnpkbDBCcVJTWTQ1NUFkZ2RIS0VHWjk2U1U0RnN5SUwxVzRRR0lRVGV1ZXI3ZGtPMkwzQWJ1Z3MzMUdVSzFBNmJwT3p2eV9fOGd6dlZ6M2dzWnNESzdQaVVUWnMyc0xfMkVYcTN0RWtxUmtqdENmUlZsNlBYYXpTb18yVUltQXR0d1MyMnI5aldiN2s4ckRhLUJNcnFTX0JZM1p0emVUbTB1elJBTEI5Ujg5N2ZqSk55Q0d4a3o3STVPWWhRSTRsNVpxWUZ5Ri1WbGRBRmlHYVZyaWR1M21abXZjRi11UnBDUzZCckEyb0JpSDg?oc=5) · hngnews.com
- 2010-08-05 [Wisconsin man turned his life around, then robbed again - Pioneer Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxPd2hFUWdNTjZSVVBWSDY5MEVneWUwWkp6Wlh6WjRvdEt0d0JnWGFfVUxtZElQT1RiN21ib1I0OUdEdzc0c1VqZHFtcUstay1XVnBidXpTcUlaUi1ORkhVVG1NN1hpZUtSNnpwQWlfLVVlNHVUVHJHNnBwREpMdW9NZzJLRTFodWNXdUIyMjdsM2UxZ0hDSFZUVg?oc=5) · Pioneer Press
- 2025-08-08 [James "Jim" A. Petersen Obituary (2025) - La Crosse, WI - Blaschke & Schneider Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNX3dsTHhScFh4RXFUMlZPS2dXV2RUMkhLVkRlTTdsQmRkTU4wMk5FajU3eWwtMjJ4Ui1mZ2NyNTIyUTZ2bTBrNjdJd19Oa0xzdm4tcURlQ3Y2cDlteDB2WWJ2bHpOTmRkSHFXNUFLWS1zOER6dTIwb0lHcDdadUhOOUF1Sk1XV2NR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66423 (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/55.json (key "66423", 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=66423
- 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