# PENINSULA COMMUNITY
SHELTON, WA · NCUA charter 665 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peninsula-community-665

Who the members are: federal charter, community charter, organized 1935, low-income designated. 21,491 members of 534,271 potential (4.0% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $306.4M |
| Members | 21,491 (0.6% YoY) |
| Full-time staff | 70 |
| Net worth | $35.2M |
| Net worth ratio | 11.5% (p55 of band) |
| ROA (annualized) | 0.83% (p60 of band) |
| Total delinquency | 0.93% (p76 of band) |
| Net charge-offs (annualized) | 0.92% (p86 of band) |
| Loans / shares | 75% (p51 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 1.60% |
| Net interest margin | 4.24% (p86 of band) |
| Operating expense / assets | 4.06% (p66 of band) |
| Vehicles % of loans | 49% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 269% (p89 of band) |
| Vehicle delinquency | 1.38% (p86 of band) |
| Vehicle NCO | 1.53% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 21% |
| Average share balance | $7,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $39.3M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $15,174 |
| Loans granted, annualized | $51.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $39.3M outstanding purchased (111.7% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.4% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 | auto monoline | net worth falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 1 |  | thin capital, auto monoline, delinquency rising |
| 2020-03 | 4 | thin capital, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze | delinquency 2x band, delinquency rising |
| 2020-09 | 5 | delinquency 2x band |  |
| 2020-12 | 6 | auto monoline |  |
| 2021-03 | 7 | charge-offs p90 |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 6 |  |  |
| 2021-12 | 4 |  | margin squeeze, charge-offs p90 |
| 2022-03 | 3 |  | auto monoline |
| 2022-06 | 3 | auto monoline | thin capital |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 3 | margin squeeze |  |
| 2023-06 | 1 |  | auto monoline, margin squeeze |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 4 | losing money, delinquency 2x band |  |
| 2024-06 | 1 |  | net worth falling, losing money, delinquency 2x band |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-03-26 [Mahalo Banking secures seven new credit union partnerships - fintechfutures.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQYTdrSlhOYVoxNHl4c2JGSEIybEZBSXNIU3RxNGlqcExlNzdTVHktb01CbGJiTE1ieWlsR1A0Y3FETFRMR1kwRWptX0FwZHdtcXZnQVRNZjdmTWdaQzlBSDBJMEs4eVJwU1dfQXpfZUhVOTdIZktZWUdwVDA3NVZQdWZ2Q05FRFZoY0FDbldMZXNHS3k1NF9WWEpsd0FjS1JQSURKOTFzU3BRRDItbElaY2htMA?oc=5) · fintechfutures.com
- 2026-02-28 [America’s Credit Unions announces Karen Harbin as new Board of Directors Chair - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNmFpemt6RGg0UjdxZHFGcC1vc2dvbWVVM0NzTEp6ajFHMDdtZHZyOGNnemtWYUJCUTQ0M21hcUxrdTZocGxNM2ZrVkZPRFZfbldYOWxERjZSUnlKNmwtWl9uamFteTdEMVJ6NVFaODZkaFBuM3JQYmZyaEZpazVZTFpYaWp4Sk5LZ2ROaVBxNG9saHdJN1BDS2g4QWFjRmRDUXlFUi1jamZRNlhBdlpScFdNeVB0SHk5N0E?oc=5) · CUInsight
- 2023-12-31 [CUNA, NAFCU Give Way to 'America's Credit Unions' - cutoday.info](https://news.google.com/rss/articles/CBMikgFBVV95cUxNYmJ0V1FpblFycGw0VlNoLTVPZURxQmd2VGNYMUNtSUd5bjlDVGp1U25KbFZYN3Z3cHI1dE9QUEFObW8wSDlfOFlDUWR5eFE3SE1YaU1Jek5oN0FMRjFpU2NkbkdzakZJcFhMUnRReXhGalUweXVsSzlMNDR1OEw0V0NSU3k2X2NiNTM2eTlRc0otQQ?oc=5) · cutoday.info
- 2025-06-30 [BayPort Foundation gives $100k in scholarships to local students - WTKR](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPWlBjTm5rbVlMQ3hoaG5wRXc4OWFfMlpha21pM1JGM2VOVXdNaHFmSDJEV1NHUmlFYWp1UG5tVzcxdUJDZkJucXJ5V0czUVcyckFla09MOFJCenR2VUNZWFNoeFB3bnBLMnBnR1puZkZ6LW1YaGkwMFlPWlRtRHY5MzloWEgxT1F6RzNsX2Z0ZG55dFppQ2xEMG5LaFNaMl9EZVZIbWpZYnctSE95UWlWVzRRaFNwLWx1TWlB?oc=5) · WTKR
- 2023-04-21 [Money Matters: BayPort Youth Financial Education Program - wavy.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQandMRXlMcVN2Y2RJLWlySzdyd0x2ekU5dVlMSVVZV3hKdUFZbGZZV2JCTTI1QnR2U2JKTkpUbmU3aWV2U1pMOEhPcEZFWUVmcXVXNkVEdlA5Z0NvUXdDNnlBRHE4dU1hUVl2TEpENHFLcHUwUWVBZUE0SlZqRk5PSzZOWmtwei1fVVFZbEFTX2h6NWF0SDlUc3VQbEE0OVBSb09OR0VPWdIBrAFBVV95cUxNLWRyZUpaOGNYdlAxQ2VxVmlYYjRrODF5MV9nMHFvU1pBVWdYZThkd3VQMUJKak1SVGhTM0g5MTAxamRaNVZJdW1KckRNY2pNUy1RSTJtQmE3anhLdi0xVlNtY1RsMldHOGo4dUVNcnhPQmFLNWVjQkxNTHNLaTdiSWZ5akRrUWhOcjNDNWtlbnJDQlIyUGFOblRacVBCQndaSHhnSXJieXNNNHJj?oc=5) · wavy.com
- 2024-08-07 [Food Backpacks 4 Kids clothing drive is coming up. Here’s where to donate - Gig Harbor Now](https://news.google.com/rss/articles/CBMitwFBVV95cUxNVHNVdlY4WEJUZ2ppc1VtMEpnRTJlcG5uUGJKVzFRRUJ0cC1falpyOEtQbTJLYTNCb2NDRnU3aE9wMDBHb2Y0STNQZDc3WjNRaGVkWjRqU1lEWlFTYkNNQWk0VVF3eUo1bnpMMGlIcjY1Vjl1ckRYMmFMZENCd0FMdWxLWDdTN1BickxQYTdLeXR4X1pqX0tXNFZoeGprOF82VG5kQzJMTk13d1pjZlNvVERxeUNLSjQ?oc=5) · Gig Harbor Now
- 2014-05-29 [KP man battling leukemia is a friend and pastor to the many - Key Peninsula News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa3NGa2FUQVVSY2FQYWprdGZsS1JOR2IyTFBpNnZGeGNOcVFWSnVLMWFNb2tYRUV1bUpXMEFSM3NMZ3NBMmRsdk1idi1WdVphQ0huRGZkVlIxN2J4LTNGU3Jud01JVHUxaHRheGRwc0ZfaUJ1clFCck5MQ0NCb3VLaGUzV1B6Rlp3ZklVWGtlSWN3WWZsNDVxdlVTQQ?oc=5) · Key Peninsula News
- 2026-06-26 [BayPort Foundation awards $100,000 in scholarships to 35 students, plans to expand program in 2027 - WTKR](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOeTFRaGxOcGg4SS1vUm5FQzZRXzJGLTZZVmNHM3BrNENhSmo1YmRjMzF4YmswUEROMkFGZVNHWUgxbi1JX0RFeEtaTTUxRk5jd0xrVE9mR2RyNzNOeUlBMUxPLWVtcDlSa0tabnlFNEJtRVBCQ3RuQnBnMzRuVVp5SGpvVnd5WGR3enRNZ05fRG1NRkxwQTZmcVpvaGI1TThHRnBuUnVocEV5dVBIcENjQlZTbzIzY01QU1JpVmItVjU1VVA5UWNEczg1ZDUxSy05OUoxNkVqVzB1OHhDOURKYTVOTTRFcjg?oc=5) · WTKR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=665 (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/25.json (key "665", 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=665
- 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