# HEALTH CARE
Salt Lake City, UT · NCUA charter 66832 · asset band $50-100M · 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/health-care-66832

Who the members are: state charter, organized 1950. 7,513 members of 25,000 potential (30.1% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $76.6M |
| Members | 7,513 (– YoY) |
| Full-time staff | 17 |
| Net worth | $8.9M |
| Net worth ratio | 11.7% (p61 of band) |
| ROA (annualized) | -1.00% (p2 of band) |
| Total delinquency | 0.45% (p27 of band) |
| Net charge-offs (annualized) | 0.20% (p31 of band) |
| Loans / shares | 42% (p15 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.93% (p5 of band) |
| Operating expense / assets | 2.74% (p22 of band) |
| Vehicles % of loans | 22% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.42% (p37 of band) |
| Vehicle NCO | 0.04% (p15 of band) |
| Repossessed % of vehicle book | 0.00% (p33 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 9% |
| Average share balance | $4,884 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,450 |
| Loans granted, annualized | $16.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |

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

- 2026-09-03 [New Safety Initiative Aims to Prevent Serious Powersports Injuries - University of Utah Health](https://news.google.com/rss/articles/CBMitAFBVV95cUxPcDBPSjFzVExReHBkc2FfV1ViaUlKNnNkLTkxZ2V0bHVmRFJYQVdfak1SZm1QVjFCOWR0cU5mNUh1aXVMeVhLbVRsRUNEX0VPUkpJbGJOVGp1Q3lKUXRjSzU1UjhnQ1ZPYzRpMmxVeDRmTEhLN25GdkU4Z3FheWZNcnVFSVdVWTEySnpudkdzS0U3RU5pX3dUTnJMVnlmMGtobUNCakZvUmxjbEVraGpQSEZfbDA?oc=5) · University of Utah Health
- 2026-02-17 [Mountain America Credit Union Partners with University of Utah Health’s Center for Medical Innovation on Bench to Bedside Program - University of Utah Health Academic Medical Center](https://news.google.com/rss/articles/CBMivgFBVV95cUxPLUc5eW1hRnF2WXRkbFNhOVpfMW9JOW44N2tXSDd3NEVBV1BoWEF0OVZ6VV81VlEwdTIyT1ZTXzU0aDQzYy1hVFotVGlTR2V5YXhZOFNWd0pvQk5RbVhBbU5TQjJCOVl0RkJ1ZElUN2NJcjFxYTFmNFRWY0dOSm5KellaZ1dUNEI1R256Mm1mM1BhQ2hucVFwUnRDbXF6T2hINTF3NEJjazRyemNtRFZiZ2pKZ3ZWeUNqSzlWckdB?oc=5) · University of Utah Health Academic Medical Center
- 2026-07-23 [MACU celebrates 90 years with grant to local nonprofit - Southern Utah News](https://news.google.com/rss/articles/CBMiigFBVV95cUxORmZxV2ZsSVFxeHEyQmJOdk02YjlGRkNXR1ZWLVEyVkl6Qi1kWUltU2JpUFhTQm9WUVZpY1J0SWRfNFRUV1dIZ0h2ZnBhZUd1eHphMlR4bjlmYjJ4TlhMSHFza0FqQXl4QzR0MFp1cVZOSkJNek1tb2xhOVZsMWo5WWNUNFRkakpKb1E?oc=5) · Southern Utah News
- 2025-11-06 [New Trump administration rule could override state medical debt protections - stateline.org](https://news.google.com/rss/articles/CBMirgFBVV95cUxPV0lhaGFZdXNQaVRRNzU5QUNBSG43bXAyM1d2NnZka25CN0QxQkhGS3I0SGI0ekFxTGJyeW03QVdYTFU1Nm1zTVY2RDhIdHUxUFNUU1FsSnAzZm84SHVTdE9jcUNRLUNjSGg5cm5qeFF3M2tmV0ZQSnRyT1ZpeEtkbExTZFhpaEZ4eE9PRDdJVHpud0VBTEsyWlBOeVBwNTMxOEpBbHdBOEdoS05yc2c?oc=5) · stateline.org
- 2026-06-19 [Mental Health Services Offered at the Wellness Center - BoulderCity.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMDJDR0EzN1NaQkZTU2xOdWdndWgtRUhCd25DS2FzdlV2b3lrZ203VkR6eklNTm9JRXBaVk5hT1FZNl85M0FkWWljOGxJdW5GMWZUMnIzcWM3SXN5NXdiWjI2aXNSU081TEdRSkN1LWxuN21PSFhnbkZ3M3duVDc3S0NkMWN4S0NQU3c?oc=5) · BoulderCity.com
- 2025-12-02 [Utah’s measles outbreak among the largest in the country, likely to get worse - Idaho State Journal](https://news.google.com/rss/articles/CBMigAJBVV95cUxQdDB5NlVFbkFuTldWSmxPQ21UMFloZlg5T21tc29QZUJDaFNraS1KaVphSEhLZklGYzRIUUcyVG1PTHdHc081cDBQWXVwVE4tR09Pa0JQS1BNOWZvMmxqNjgzbEowZjNJSHo1eGZpLVlvYXVybFAza0d1UGs3QVFiNWJJY1pIQ2N6alRfd08wQi1zbmdvTkVBckZacHFNZUYxSnQwcnZRaWhIVDRoMlV3dXM4S1BkUkNaTlRTNHBjcHlDMld3bk95NWgyVVFVbGRhUEx3U2tOZHh2bE1ZYi11T1Vod0hvY2tPUnlzaEZQMUtVZ3NkdVFVWkxRVXdoenRR?oc=5) · Idaho State Journal
- 2025-10-01 [The federal government has shut down. Here’s what it means for Texas - The Texas Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxON19SVlhhdjg1OWR1Q3pVV255TWlQa2JibV82eUZHRlpJVkJsQ1MwLVE3Tno1U3RseFdWQVJ6M2xRZkdEamZQRVo5REFMV3FKdTZLMUNadEdqc3pFeE95c0stRnFETjJsLVlEUml0dlh1VEI4R2dGZHZqTnBJYl9KWEF6NzVvN0ZMeFZFX1daTmh1MlMzYUt0c0MtZmhnaUZ4?oc=5) · The Texas Tribune
- 2021-08-25 [The Best Credit Unions to Work For, 2021 - American Banker](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYlN2WjllenlDWUJrX2RSV3poQmstWjY5Nk5fdkZyenplUUJ5REZnQXd6ZnJUX2NqMWNjS3N2NmlDQ2VMZ25DbWdlcWRuekxwZHVUTkIycWJMQ3pTWExxU3NiN0hlMTlnUzJ5YkQxM3BLc052TTBKaUE4X3dHckJrMktRZ0NGMW1DbUZz?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66832 (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/16.json (key "66832", 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=66832
- 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