# DOUGLAS COUNTY
SUPERIOR, WI · NCUA charter 66488 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/douglas-county-66488

Who the members are: state charter, organized 1952, low-income designated. 676 members of 1,200 potential (56.3% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 44.

**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 | $3.7M |
| Members | 676 (– YoY) |
| Full-time staff | 2 |
| Net worth | $368,107 |
| Net worth ratio | 10.0% (p29 of band) |
| ROA (annualized) | -4.35% (p1 of band) |
| Total delinquency | 0.71% (p42 of band) |
| Net charge-offs (annualized) | 0.23% (p46 of band) |
| Loans / shares | 52% (p43 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.78% (p1 of band) |
| Operating expense / assets | 5.28% (p88 of band) |
| Vehicles % of loans | 61% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.16% (p63 of band) |
| Vehicle NCO | 0.00% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 10% |
| Average share balance | $3,470 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $5,771 |
| Loans granted, annualized | $792,275 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **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 | 1 |  |  |
| 2016-12 | 2 | losing money |  |

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

- 2026-06-26 [Smishing: How seven people allegedly stole several thousand dollars from credit union account holders - KETV](https://news.google.com/rss/articles/CBMic0FVX3lxTE1XY29DSExuS2xLZTl4ejN3b20xNHY1cFR2cTV2RFBWeDFRY05tdF9ncU42dmlYdFluV3BJa29lWVUyWGxnWW5QT21yUG9TZDFtUUNiNXpvOUR2TUw5MEt1OW9kdklwQl9KSzJCbXkwcGdxaHM?oc=5) · KETV
- 2026-05-14 [Credit union commits $1 million to mental health care access - Pine Journal | Cloquet, Minnesota](https://news.google.com/rss/articles/CBMinwFBVV95cUxOT3BfSzgzUFhhSmFzZlNPWWZieVY0Z2NORnl5T2V4ZldaWUJlVVlMTnpNMDVPeUQ1bjN3MVAzOHhmZDBHM3ljZFpJSnh0YkRkV2pOODF5dE1fWGQybHU3TmkwQk1yRkdLUU8zTk5YeXZPZkVGWFMxaGViaEduV1VyalhCT2RGRWtUV3M1bXc1Z09QYUJ6X2lLZFlvdldFY3c?oc=5) · Pine Journal | Cloquet, Minnesota
- 2024-11-04 [Superior Choice Credit Union Stadium opens to rave reviews, victories - Universities of Wisconsin](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNFM4czdvWGVwdGlWNnUtcU5UU3lBbzBURVlUdEQ0bGtadHFHdWE1aVcwYnllNE5KMy1xRzdqU3lveVNVR1VhU2Mzd0hwQVdRTXFwVGFBYmdnc08tbVh0QnQzWVh5UFpPcWhBNkZnREFjcE9jZDduSWtQT3prXzlZREpoQXg3UXBQdUVZVUwzU0l2c0dOT3RWRm9kbmZnTE03ZlFldnBZT244QkUzUmNDeWpSQ05DcDBqcVE?oc=5) · Universities of Wisconsin
- 2024-09-03 [Credit Union of Denver selects Tony Nieto as next Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxOMW9fbDByV2dNSWhKcUtKc2tYRmVlSHN1WFA5ekJoQ2tMeldVTndwSk5ZcldBOHRKampmdkUtdzUyRXEwNjh3Wjh0ZFIzeHFVRXZvR0xwcVZYckcxN3BIVEVuWFFRcHpFb09WZUQ0RWRDX1dOWF9STU40Rnh5UXNDMFltQ0pXTHlOczdJREZCcGd3cnFLVVVXeVpCTnBVTE9RVUJNYlpQQUdNcHFkdGhWejd3?oc=5) · CUInsight
- 2019-11-20 [Patricia "Pat" A. Litchke Obituary Nov 20, 2019 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4zaHdTRi14MTdSVmltMFN3cVFJeTF5T25PUG5mcFJ0ZzFNTUx1ZExCSWhudXpWdTA3Z1VCTWNIaFBHOVB6NV83UDhsSU1DQ1Q1NXVlUWtkRzJlVDFVODhGakktQmJBZw?oc=5) · Downs Life Celebration Center
- 2026-06-04 [Chelan Douglas Health District administrator out, staff laid off - The Wenatchee World](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNQS1UUjBPblg2VUJpcVQyMi1iV2lJNEwwczR0WGh3U0dIVGdSY015VGxrNlhsaXFUR3VITy1JT1Bxb3JHU2dobmlJTm51U2RjbDNDNDRLbDQ5OXRYTFVzNE9JdnVPdE9INEszVnA2TEhFWkFHbVh1NEh5bnZxd2JmcFNkdTJEX2tnOTBOQXpodS1US3Z0U044ZXFycVh6dFdOaFZYQ2JWa3paRU9GTnVWa0JMSG02TV9OQmwwcGx3NGVubnRUSlRQOXVNMWdkQUdHNGtFd01FckRuWEF4LVlIODZBT2ZlS1pfS3RZ?oc=5) · The Wenatchee World
- 2022-03-28 [2022 Plan Sponsor of the Year Winners - plansponsor](https://news.google.com/rss/articles/CBMiakFVX3lxTE0ycFJyb012VXBoSGxwM1VxOEtCYkx2SmZxYnFUbW9yYnRJZGx0aWl3T1N6bjlKbk9TR0txSEs4OVM4cmxudURhZmZpZ2lnblRNRVZVV1V1djg0NmVneTY0YUJONXJLVzZuUVE?oc=5) · plansponsor
- 2021-10-25 [Pandemic perseverance, growth honored by Superior-Douglas County Chamber - Superior Telegram](https://news.google.com/rss/articles/CBMiswFBVV95cUxPOWM3amFValViaEttLU95RDE3WnRjZW5GRU92OXB1SHZVd3hqTkI1RFh4LTJ4WUJxcC1qWTYxQnpMU3BzZEVQVHlDV1I2b1hKS2d6dWdHY3pOemdNUVVzS1laMWlJV2hSRWtTV2tHTmtnSlQyVVRpTHAzdzEySDVjM2ZfcXNodGZnRC1LYWVfZzR1Qm5oOUdJSVJVc2lZby1zQkNGWUh0Tzd5TGJQelM0ZlRUdw?oc=5) · Superior Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66488 (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/56.json (key "66488", 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=66488
- 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