# GRAND COUNTY
Moab, UT · NCUA charter 67075 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/grand-county-67075

Who the members are: state charter, organized 1957, low-income designated. 6,252 members of 25,312 potential (24.7% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. 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 | $46.7M |
| Members | 6,252 (13.0% YoY) |
| Full-time staff | 12 |
| Net worth | $3.5M |
| Net worth ratio | 7.4% (p7 of band) |
| ROA (annualized) | 0.97% (p85 of band) |
| Total delinquency | 0.99% (p62 of band) |
| Net charge-offs (annualized) | 0.74% (p81 of band) |
| Loans / shares | 89% (p94 of band) |
| Cash / assets | 9.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.71% (p93 of band) |
| Operating expense / assets | 5.12% (p90 of band) |
| Vehicles % of loans | 51% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 10% (p92 of band) |
| Vehicle delinquency | 1.50% (p77 of band) |
| Vehicle NCO | 1.13% (p89 of band) |
| Repossessed % of vehicle book | 0.28% (p95 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 21% |
| Average share balance | $4,246 |
| Participations bought / yr | $0 |
| Participations sold / yr | $3.8M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $12,115 |
| Loans granted, annualized | $19.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2026-06-10 [Homeless man charged with arson after starting fires along I-70 in Grand County - ABC4 Utah](https://news.google.com/rss/articles/CBMiggFBVV95cUxNaEttMHB1WWE3aWVCbUpON2xYUmRHRGh3UzhKajhiMGJhdTk1Wm1UamJaTVIxSlNSbFNmeWZQMHVOWjIxdG5OdDJUVTZMRGtNME1pWmJqTlJhaThkY09wbFpJSmNicTlvT2pxNldDUkFNT25VX2s2VkxWZzRQemFPSVFn0gGHAUFVX3lxTE1qSHJIWS1nRU9RSjJSYmlYY1BtOTczUzd6WXdMeDJ1dkRoWDl3cDYzRTVXWGNOTU9hVFdSeVZrb2k0eFh2NGRrdXBBTXd1QkhnaHRtMktJNDR4RXVRV0J6V3BtSUhac2tNQkt0b01QbzNQYk5PZUNjLUNNNEFzeGhBVERBV1hBQQ?oc=5) · ABC4 Utah
- 2026-06-29 [Elder fraud costs Utahns millions. Here’s how to protect yourself - moabtimes.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQNGUySGEtZ1E1ZjVXb2w5c0E0TkVHdzNSRVNPSkFIanpUNElFS0hDd0JsMlgwQUE3aUJtTmN1a1dUMFZybVh2VG5waVFCZDBUVElWVjVQOTY3LVIxTHpWNHpGMlFKUk9QTWljYjQwdXF4ckJDS19QOW5vcHhmbHItTFg3cEJ2NUx0T3lzZWhjcnVzMGRVNlFqTE5hR1A5eDJT?oc=5) · moabtimes.com
- 2022-02-28 [USU Moab, Community Getting Ready for Grand Opening of New Campus - Utah State University](https://news.google.com/rss/articles/CBMinAFBVV95cUxObnRHYmlfaXk3NXY5RnFBbFNOMVYyRWY0SlBxWmFWVUNhTnpHVkJfYnp2WXViMmhGUS04eHJaeW9zejdjTFQ3OEtDclNNTk51a01tSGJQOHFweEVyeUhDbVAyOHVGcE9fQWM3Q001N1BzYkxHbENlT3ExcDFpZVc1N0RiSDlqaXlNWXNHQ2xJcEdjd0JHNmlDUVVtYXI?oc=5) · Utah State University
- 2026-06-14 [Two BASE jumpers killed in Grand County incident near Mineral Bottom - kjzz.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPUUFESHBrTHNybkNVdHVNdVplbWZDTmVkXzBqSDhsTURocWR1MVNxNDJobjBGQ0g4X1cyWXBQOURWQ0VhdTZyOW1lWG1ha1FvZW9sX2JQV0JWMEpTcUtCTXh4b1hMNlMwMjFrU3JsMzVIZklucjgwSllHOFNNakRvRVk0VG1TT2dGNUhybkpzbG9ZeERxWkZVNUJwWVE?oc=5) · kjzz.com
- 2025-07-19 [Deer Creek Fire containment jumps to 17% as crews gain upper hand - Moab Sun News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZjNLOXNCaGh6b1RZamhGa2tpajZIdGRCVnF2Nlh1T3Y4ZFV1a0VxV0RrWDdGSE9jRGFRajRpT1BWWXcxelpXajFuaVB4MWlIVU9SZFBKNHpyT1Z2bzltajVFeW5yS2RBSkxkZkVJYkprQU5Pd2R2QTBUS3lJUi1PM1ZtdUw1QUNRNU11X200VU9WZ1JwdVBRZVhBRkF3T3Bjc3c?oc=5) · Moab Sun News
- 2026-06-14 [Two BASE jumpers killed in Grand County incident near Mineral Bottom - KMYU](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcTBLNmZ4ZUllS0k1eDlGb1ZPaEVTYmVRMXc0QUVhMFJsQl8xWVdjV2xnbHpfYmllZXRZaFdlRnhIakxJbkl1QXZIMGRUN1JjWk90ZTJPYW9LMXBEREpwMDJURmNVWldlYmFmWDhOZW9EYk9OX1pjNjZmbUpGSF9vUnlucG9DRjhPN3RXRXlaY3NyOWlqZFpzaTFhSQ?oc=5) · KMYU
- 2025-07-26 [Judith Pierce Obituary (1940 - 2025) - Moab, UT - Moab Times-Independent - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQV1YzTHVYdml1akdxMmpwYzJvbnBRMWltMFVBMEV6X0RkTnlFdlViZkk1WWIxOXJvVW14VE1hcU5fUnZOY1VpTlVCUFROeE01R29ZU203RDZMc0t1WUh6VmF4TmRYbE1UU3ktYmJZbW1CN3ZQanJ5WXYxNFR2NlpLOWVwaExSOWpUazJyRTdiYw?oc=5) · legacy.com
- 2020-11-19 [USU Breaks Ground on Highly Anticipated new Moab Campus - Utah State University](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbGpMazkxNE1VMGh1UXNqWVlnRV96NFEtVmw4VGF4cUdLc2JYN0RTdGt5VElhRVZ0Qng0T0F1eVlFZWRoZzE2TmhIdjU2MG9PdTNyNVlKWU1qdHJNd0J3Ny1CbFFDNUllLWxMeGhpM3ZmX0xnSEY0MzU2YXZzb3dmd2lqUzlaeWlRby1Oc2l2VVc?oc=5) · Utah State University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67075 (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/3.json (key "67075", 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=67075
- 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