# FIREFIGHTERS
Draper, UT · NCUA charter 67079 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/firefighters-67079

Who the members are: state charter, organized 1929. 3,466 members of 8,000 potential (43.3% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 78.

**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 | $69.4M |
| Members | 3,466 (0.5% YoY) |
| Full-time staff | 10 |
| Net worth | $7.2M |
| Net worth ratio | 10.4% (p24 of band) |
| ROA (annualized) | -0.29% (p8 of band) |
| Total delinquency | 0.49% (p42 of band) |
| Net charge-offs (annualized) | 0.11% (p35 of band) |
| Loans / shares | 73% (p73 of band) |
| Cash / assets | 27.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p8 of band) |
| Operating expense / assets | 3.28% (p40 of band) |
| Vehicles % of loans | 38% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.70% (p57 of band) |
| Vehicle NCO | 0.45% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 31% |
| Average share balance | $7,352 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $16,603 |
| Loans granted, annualized | $15.0M |

## 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 | net worth falling | delinquency rising |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 2 | delinquency rising, members leaving |  |
| 2018-03 | 1 | net worth falling | delinquency rising, members leaving |
| 2018-06 | 1 | delinquency rising | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 0 |  | net worth falling |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 1 |  | members leaving |
| 2022-09 | 1 | members leaving | delinquency rising |
| 2022-12 | 0 |  | members leaving |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency rising, members leaving |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | net worth falling | delinquency rising |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 | delinquency 2x band | members leaving |
| 2025-06 | 2 | net worth falling | delinquency 2x band |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 2 | net worth falling, losing money |  |

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

- 2026-01-23 [Rhonda Burnside Obituary Jan 10, 2026 - McDougal Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBkMGpSSmVPV3lNbkhDdEVoZ1BuV0NpcThYQWhsVG9USnVfdHRfQURDa1N0SlZmT1RkN0hfamVQMDZObHFmclNnNVdVWkl2Z3EzaDJuLUcxXzBtdmFYVGV5bzlFU0gzREE2MVp3Q0s3Ymg?oc=5) · McDougal Funeral Home
- 2026-08-06 [Video shows fire threatening building in Riverdale along I-84 - KSL.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTVMyRE42TXBZWklsT1ZJbkx1ZFVaZWszMTdfaTdvTWN6SjQ4MGRNX2xPWDdoZnk2bEs1cWU5ZDZMVWFHQW0yMVE5QWdibk44YkZwSHZRSldBYkY2ZjNJVTdHNlFpY1UwMlpjazE5aERKaVhXR1BfRkhTa0Z1SDJ4M0dUZzVPamU3VzF3dUR6WWdUOVRhR0V2eTVJYTl5TVU?oc=5) · KSL.com
- 2026-06-28 [Three firefighters killed battling wildfire near Utah-Colorado border - ABC4 Utah](https://news.google.com/rss/articles/CBMigwFBVV95cUxQQkRWVm1hZm1wYlJMTDhFbEtqOHY2dG5Hb2tVSHZZYzJhSnJKOUF5SGZNdDNGMGlVWTQxNGJRQlFnRVhjaVFrN2ZqNGJqaU1wcVBQTXY2Q3RiczY5OHZvOWZPTEJBYlIyeEF0d2RwLURUWmJtdzNPX0tCN3FJeWJuVXNud9IBiAFBVV95cUxPZ3lramVheXV3QUxPUWJ3dFFjS09CcGlpQXR6UWpuQmtjblB6Q0lqY044dENKUWwxNHp3WnVmQUZDaG5JQmJxbU5XVXpsNnZOMnBSWlVWeTNFYUJoSHBmSDFyT19sY3FFOVVHOFFqdGZnb0ptd1gxcnA2M3dES1NRYUhhZEdYOWF5?oc=5) · ABC4 Utah
- 2026-01-23 [Rhonda Louise Burnside Obituary (2026) - Salt Lake City, UT - McDougal Funeral Home - Taylorsville - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN3dLaGFTaDJLSS1tRU5KVDh1eVFUY052ekRScFNvc3N4NWxNdzZjV2lIYnZPQW1tSy0zb1FaVk9EX2stYXZEV3U5b3hUeFBUUGpRc1I2Z2NCNkVJa1hSbWs4VkZBQWx0YUctV1RZYzVmSDZuX0UtNVpOTDdWc0NXYU1qeXE?oc=5) · legacy.com
- 2026-07-11 [West Jordan apartment building deemed uninhabitable after overnight fire - KSL.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMVhFVHBOb2gweEZCWXNsN3RmbF93N2ZvUl9zb2xIVlBqUXBhUzdpZEZISHA3N2dRMXVoaTNDUUc2WFBuQWgwaWhvWDkyclRUUU1nQTRmMHMxMFp3Vzg3eF96NHhON3pURXMzaXoyc1lPR3RITldZNWNrOC14cFBqSkxJdExGZ0ZrRVZoQmVDTDZ6d1ZITGtBUTluSE0wVTJrZUwwdUhzVlM5YjA0bFE?oc=5) · KSL.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Utah - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxQek4waVdJMDZoYXhucHVYdlZjdjdNclBsb1VGSjhiNXowd204cGlZdHh1cDhyWkxiem9RSE5pYWk5Ni16RGV4aFNPRWwwRUdyU0pRR2dWVGJvUFpTSGtNOGozc3IzVzJKc3dzLWxkN2Q5Uk5oZm1TeTdUb19ZRzVUc1JodnlrMEp0a1E?oc=5) · Newsweek Rankings
- 2025-08-25 [47-year-old man accused of beating teen girl unconscious at concert over viewing area - kjzz.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQejN2LVpsU0JlUFBWbnBaTlFkcFdBTzVnSWVMd0tVU0hOaVJkaVB5ZDlQMDhlcWFBZVlBYlpxNU12eE5TWnNsVkNtUFJ2MHNKTzZhOENqS0tYaWRPSDZhNHBYRkNDVTVjTHQySlBFaU5LSVFGemNrMlpJaUhvNmZfc1ZtYVQ4dk1ua0xmZ3RzTzhaa20zQXdUcy1UUzRYNVgzb1NITjZpOFE0Z0hjNk1BUU5uQQ?oc=5) · kjzz.com
- 2014-08-26 [Darwin Sorensen Obituary (2014) - Sandy, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZXM5YXZBZzY2RFg1WXp0YjY2ODltS0ZsNEpVOWRfcFdqQWZuOHZOM2dPbW5lRWtIRlN5bDRxQ19TU0dVYmFlTmhxb2Y4SFV6R2Z4TzBfVEpEc09TV3dVaF8xZlduaWtvckpoNV9ucnVZanEtZmplZVBDV2hDd3VicEJncUFmRHFVYzZyMGNyQUp4MzIwWHMzQlVB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67079 (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/7.json (key "67079", 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=67079
- 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