# UTILITIES
EAU CLAIRE, WI · NCUA charter 66776 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/utilities-66776

Who the members are: state charter, organized 1932. 899 members of 1,600 potential (56.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *quiet fade*. 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 | $6.8M |
| Members | 899 (-6.8% YoY) |
| Full-time staff | 1 |
| Net worth | $931,008 |
| Net worth ratio | 13.6% (p61 of band) |
| ROA (annualized) | 0.01% (p33 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | -0.01% (p25 of band) |
| Loans / shares | 53% (p57 of band) |
| Cash / assets | 23.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.80% (p21 of band) |
| Operating expense / assets | 2.26% (p27 of band) |
| Vehicles % of loans | 42% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,303 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $11,631 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | net worth falling | assets shrinking |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 | loan book shrinking | net worth falling |
| 2020-03 | 0 |  | delinquency rising, loan book shrinking |
| 2020-06 | 3 | net worth falling, delinquency rising, loan book shrinking |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 4 | margin squeeze, delinquency rising, members leaving |  |
| 2021-06 | 2 |  | loan book shrinking, delinquency rising |

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

- 2021-09-10 [Royal Credit Union announces merger with Utilities Credit Union - WEAU](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaENzdDFpcFV0NXhQVllvX3JsYkhiT2hJT0VCWUVUbWFsWmtaLU1ycFJUT2RYLVBEbllBTzVUUFlPWml0ZFRvX0wyZDF2c0xqTldOQ1dKd0t6UVdmN0t3WnRFclFZYlhRVklXeEtQQ3QzUk16NTJqU2R2a0JTQlNtbWhmRlRrLUtUX3I2SDR1ZFBxd1RJN2NzdFJnTUk?oc=5) · WEAU
- 2025-12-19 [4 'smart' bus sheds commissioned in Tobago - newsday.co.tt](https://news.google.com/rss/articles/CBMif0FVX3lxTE9OSDhSTjBxQmN5UkRzTE5PQ2w4eXNiZ0xfenVVMzkwSnMzWXJpcGg0Y0wxZDBoVS1hcXFqanBfeTgyM1BXNjUzekxTX0U4QU1vU1hybXIxekxrTktPYnN2SmZUc3IzZTVNR056T1dsMkhtcnJpMmJGNlE1bXR4djg?oc=5) · newsday.co.tt
- 2022-05-17 [Johnson Utilities Rate Increases $10.35M Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiywFBVV95cUxNblhIRUppY3pYTzZfZm1kYUJmcDRIVFZIV3ZGSURGbzY1MEt0V0ZfdmlWWjhFQTk3aHdQUEtBVjlaVlkwTjFGdU5rZndhRE9zdUNkdXY2RHFlaTBza25pei1GRmVjM2V4dno4YXpFc0sxeEVkSlpfckszUU8yMW16VU94Q2xJaUxyaDE3SnUxN2FJb3NWNUJSbEhEdEEwOE9MVEJDcFh6dEg2ZEJ1eXZ5N1B6cTZpaDQxeHpZLWtyQ0lfWGpuTzhHa1cyWQ?oc=5) · Top Class Actions
- 2024-07-25 [Riverside Public Utilities fees $24M refund settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiswFBVV95cUxObGhpWXVUVlQ0S2FHOFBmeUNRRmUzeTJuZ3pNNEtKa1hZSWpFYktCTldNNlNSUnpmdUdFVnAxZXNJcEwzdkUwMVlvby1VNTBEWE9OeWx6TVF0c1pEeUtDZ3o2N0IwNDJDOTZjUVZMOFNpWjd0YVFlNkpPY1JFRmUzMnd1SW55T0Nkcm9VVVhiRlJJT24xWGJDTWxKRlFlZUJsTEVsNkdib3ZCRXlyTDBadTA2QQ?oc=5) · Top Class Actions
- 2022-02-12 [Greenville Utilities commission fees $1.6M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiywFBVV95cUxPdmNMV0JtRGJRYjF5Mm9XRThJSlZ4YmFhRzBpRC1Wc3VkZi16RDY5UlRiNzU3a2VsY3dRU3RoSU5xRl9HVU9xOTBPaVhMSmh5SDRDc0NPdFVydktXZjg2WFNjc1kwNkJCN1dydVRucXJXZjYySFhNUnZ6eDRtMWpUNy1HTkVJN2YwZTVsNWx3T3NubjVkV2JIbURwV1pDZGxEel9EenM4akpsc3YxcDlBUG5jSzA4SXZEZWRSSnd1WnNtbGwtZGZXZ0twOA?oc=5) · Top Class Actions
- 2023-07-02 [Ocala, Florida, illegal fire service fees $79M common fund - Top Class Actions](https://news.google.com/rss/articles/CBMitgFBVV95cUxPYWdDdE9pY3dqWnJkenktem9HdXdESi1tMHlQeW1rWjRYb3RDRjVWa0RVR2huU1VvbjlXUjA1LU5Dc1JUR2lKR05ObnI2T0VWS1hZb1BDNkFycFp4OXJFYW1wQndObXIxa19kY2JwQzVyenh5UzA5N2EyTlQ4ZlRnQnU2NVc3NHA2MVpiVW5rbllrM3NHT2ZhbDA1dHRkekl2WGpiMFZzUkc5ZGRjN3c4NTJJYWllUQ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66776 (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/24.json (key "66776", 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=66776
- 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