# CITY CENTER
Provo, UT · NCUA charter 67128 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/city-center-67128

Who the members are: state charter, organized 1961, low-income designated. 1,156 members of 200,000 potential (0.6% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 12 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.9M |
| Members | 1,156 (-18.0% YoY) |
| Full-time staff | 5 |
| Net worth | $171,090 |
| Net worth ratio | 1.3% (p0 of band) |
| ROA (annualized) | -6.66% (p1 of band) |
| Total delinquency | 5.41% (p93 of band) |
| Net charge-offs (annualized) | 9.82% (p100 of band) |
| Loans / shares | 82% (p77 of band) |
| Cash / assets | 18.6% |
| Borrowings / assets | 0.39% |
| Net interest margin | 4.97% (p90 of band) |
| Operating expense / assets | 4.66% (p77 of band) |
| Vehicles % of loans | 45% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.50% (p95 of band) |
| Vehicle NCO | 23.89% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 162% |
| Core shares % of member funds | 22% |
| Certificates % of member funds | 50% |
| Average share balance | $7,273 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,435 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 4 | expense trap, delinquency 2x band |  |
| 2017-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2017-12 | 2 | delinquency rising | expense trap |
| 2018-03 | 6 | net worth falling, expense trap, delinquency 2x band, members leaving |  |
| 2018-06 | 5 |  | expense trap |
| 2018-09 | 9 | thin capital, capital below 7%, losing money, charge-offs p90 | members leaving |
| 2018-12 | 8 | members leaving | loans>95% of shares, net worth falling |
| 2019-03 | 9 | margin squeeze, assets shrinking | members leaving |
| 2019-06 | 12 | net worth falling, members leaving, loan book shrinking |  |
| 2019-09 | 12 |  |  |

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

- 2025-11-07 [Singer Rod Stewart including Utah stop on ‘One Last Time’ tour - Gephardt Daily](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSU9NSDR2Mi1ZeHFrWkpjTUZPLU5Jbi1hZ2RWbDRuSmZPaVU4QXFmNkVRWThpbnFjUkQ4cWhMWUFHMmd2aGdtRzNURU44Nld4cXBVNWRyWXFweHZ6RFZfeWlVMFpYWHlMbzNHdXY1bEFfMTV4SlVPdk1sd1FibHlNckVCZjdYa0JCQ2RpVzhvYkpiQ3A0N1V0Sg?oc=5) · Gephardt Daily
- 2026-01-24 [Rod Stewart Extends ‘One Last Time’ Tour With 2026 U.S. Stadium and Amphitheater Dates - That Eric Alper](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQQ091TWxkNDVRZkd6MGZqek56X0o5MkJKajhfV280MTB0MjdNQnFfaXpqZFhqaXc2OURwenBoTkFHcGlNNkhoa0FraGQ1SFY1QUNhRDBBdTlNQXJ3RG8yUkduYzBJY1VCR2p4eVQwNDF5MTB0N1ZKS0tyMFpKY2FuS25jSW9LMEMwcFFWQnBFTkdRX1o0ZDVyalg2VUlTNi1oVWtVaFg0SlozX3BidEN0UE0wRnV3VFpxSnpJUjlPc3JxLXM?oc=5) · That Eric Alper
- 2025-12-18 [Eric Church, Zach Bryan & More — The Biggest Country Music Tours Of 2026 - Whiskey Riff](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQWtQeXRyaWw5NEZ5LW9tZjJmczZKUkxXUV93UmYyYUhrWl9lc0p6NHJDN2VzdWVmM0Q3UWlpdG1XVG5VbmlwUlVnTzFmMHpYNzlLR2pJRzhDSHRaSkE5OHZBdm5zWUdoX2lJQ0tPMl9zVHRVUlJzWGh0Y1Q0aUZVb1FrQTh6U2xBR3ZoU2hHQzZVd2p6clVLVDhrdm1jNEVNWUNKVmd5ZG1LS2c?oc=5) · Whiskey Riff
- 2025-11-07 [Rod Stewart Extends One Last Time Farewell Tour - antiMusic](https://news.google.com/rss/articles/CBMikgFBVV95cUxOM1JrVTM0REpqZ0JQS0c2amctQXp0a1k0Q09USF9TT21QalE0cm1RaVQ2Y2toLW1fZTk1V1U0cmt1MUJhQm1pT25FOHlub3NrWVlNNEkxemhFa3pBNVJ1c0Mxb3hlWmd6M0x1MnRxaFYxSGVHVWJ5RDhzYzhzYnQ4RjFPR1FSWkpBLUhfQ3YtUVByZw?oc=5) · antiMusic
- 2024-03-20 [Biz Ticker: UT Federal Credit Union Opens Branch in Blount County - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWGZOYTBoZVcyRHppeHNsVkplQ0lVSlNXR0NObko2blFoY3JNRE9wOXNZUmtBYTlBLWFhalBkYkgtSWJWNWdWclNSZmswMDcxeHdicG1vX1M1RnNKemNNUkpjX1VaeTlvYWZpZF9EMkl2VVRnc2E5dFdPekNZOHF0U3lKd2NKMVBQcmlnM0JaZnZzdERnLUV3LUpUc2xIcVRKcENYaFB1SXNzWHF3V0R4cDhMVWZuSjQ?oc=5) · Knoxville News Sentinel
- 2025-11-07 [Rod Stewart unveils One Last Time 2026 tour dates - The Music Universe](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWVNNenptMEExRGw1aVBiUm5JanZnN084dklENWZza21QTGM5VE45SXc3QTZGb3lIRW5EeUhWSEdpMHZyaU8yWG1DMU9id052TUR2Vzl6TVpBTkNKR0JNVG5qd2tCbWN5UDlsTHVqa3J6NlRja29FdUx4RlVsWjEzQm1kZFdJdw?oc=5) · The Music Universe
- 2025-11-07 [Rod Stewart Adds More Dates to One Last Time Tour - Ultimate Classic Rock](https://news.google.com/rss/articles/CBMid0FVX3lxTE1DR05jY3lZVDEySXV1d2VaeEstM0hrcUE3WFRNMGh0Vm93Y2JuNlg3TlozZ2J0U3hDN1BuX090Y1JoTWY5emI0ZE1NOThOUFJXZ21CdHgzalZOOVRuNG9CNWczNzV2TGt2cE93azM3QnpYMktVak00?oc=5) · Ultimate Classic Rock
- 2025-11-10 [Rod Stewart Adds 15 More U.S. Dates to 2026 ‘One Last Time’ Tour - TicketNews](https://news.google.com/rss/articles/CBMingFBVV95cUxOdUEzOUZyLXQ0VkV4MENDbFFkWVRtZEtBYlA0djdaOWJLNTJOZ0pLcXJjWkdTMWVIaDI1ZU1iN2lLUUJQVGcwYXl3S2pyNzBlV3BjdEF4Z1k2YThRczk2QjNwYVZWZmdHUGpqdGloRm9hWlAyTWRTX2FWU1hJM1dsOUpuRnVsN3BZdWV4YmRRRWdiSzF1bGl5ekVka2lIQQ?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67128 (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/56.json (key "67128", 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=67128
- 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