# NEBO
Springville, UT · NCUA charter 67146 · asset band $100-200M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/nebo-67146

Who the members are: state charter, organized 1956. 12,769 members of 316,654 potential (4.0% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $144.6M |
| Members | 12,769 (0.1% YoY) |
| Full-time staff | 33 |
| Net worth | $24.1M |
| Net worth ratio | 16.6% (p89 of band) |
| ROA (annualized) | 0.24% (p16 of band) |
| Total delinquency | 0.98% (p66 of band) |
| Net charge-offs (annualized) | 0.57% (p74 of band) |
| Loans / shares | 85% (p75 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p45 of band) |
| Operating expense / assets | 3.99% (p62 of band) |
| Vehicles % of loans | 52% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 66% (p61 of band) |
| Vehicle delinquency | 0.65% (p48 of band) |
| Vehicle NCO | 1.36% (p85 of band) |
| Repossessed % of vehicle book | 0.29% (p91 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 34% |
| Average share balance | $4,905 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $13,251 |
| Loans granted, annualized | $55.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | repo signal, loans>95% of shares |  |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 1 |  | repo signal |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | delinquency rising, repo signal |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 | net worth falling | repo signal |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | auto monoline |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 2 | charge-offs p90 | delinquency rising |
| 2022-06 | 0 |  | delinquency 2x band, charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | net worth falling |  |
| 2023-03 | 3 | delinquency 2x band, repo signal |  |
| 2023-06 | 1 |  | net worth falling, delinquency 2x band |
| 2023-09 | 1 | delinquency rising | repo signal |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | repo signal, members leaving |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | members leaving |
| 2025-06 | 0 |  | repo signal, net worth falling |
| 2025-09 | 1 | repo signal |  |
| 2025-12 | 1 | net worth falling | repo signal |

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

- 2025-04-07 [Donald William Parker Obituary Apr 7, 2025 - Wheeler & Sundberg-Olpin Funeral Homes - wheelermortuaries.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1pOFJZRHE2WlR2MndnUl83U0xjV2VBbmY3dUI4OTBPcmFDOHQ1WkZLWC1fdS1BYXdtSndILUtHNGJXOXd3bGkxODhLV1lMOWZuOEtpRW1QeXh3NTEzZ091cjhRYmJyalU5YXc?oc=5) · wheelermortuaries.com
- 2024-02-26 [Joanne Dart Jones - walkermemorials.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBYMmNhLXBmbEZRRkVSS0Z0SkVZT3g3RGRSRlR0VkJHUnE4UGpnaldIQXJQSzl1b1lXR0tpeElLTzVEQWtRVjhzUlZhTkZubWc2ZVhPZ1ExdC1fMjdFVUJEQVdpeGVWdw?oc=5) · walkermemorials.com
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2010-06-21 [Jordan Peterson Obituary (2010) - Payson, UT - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcm5aZ3NieU5rQ0tpRkp0SjZESFFuRmoxRFV4aVVZLVVmdkctVTdSNkw2Wi1RTTBjSnVSTUJUYzd0TWtTbHhrSmFhQno2RTBsdmFyTmppd1VpNTZzam93d01YQmExbm9LaHZnVVNmZmppMGliZmN5RDZjMm1OaTlQMmFGbUpOMDQ?oc=5) · legacy.com
- 2011-08-01 [Stacy Nielsen Obituary (2011) - Spanish Fork, UT - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNS01yeHN2ek9QR0ZIelIxZ2VOQ19DNEVORC1NVWJhd0toVjVrazB1NXBDNmdJUkkwV3E4VnFzVEZVZW83Wl9YcnF6ZlUxakFjSVA2NExUbjFOX2VwRU13TVp6QjdFWmhzcWc3Z1d4d3h1Q2ktb0pLakNZUEJpSkRhOEZ3c2E?oc=5) · legacy.com
- 2013-12-12 [Dyann Moody Obituary (2013) - Spanish Fork, UT - Deseret News - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZlVpMGVnRjZ3Ni1XQ1FRc1BhaXlqdlFnR2c2bXlyYjRQd29iSzhJRmQtZ0w3SzUyZHZjeTB1X0dham9haUlsUS1Mazd4aVp0cjF0aDNaZ0pUajhySXNZeUZUSnA1VTdGWEF1Y2NiVzJPUnFreTFpSXpiNEpKYmd3cmNNeVc0d1NsSklBcXZkcw?oc=5) · legacy.com
- 2009-01-02 [Steven Lubben Obituary (2009) - Payson, UT - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSVZZSHNlaE14bmZPaGRFd3VBWWYyT29FdnA1LUZqN1BnVmhJdFpUdm5CQ0VuLUpjZUNvSHFCdU9CNEcwTjZIVkl5QVY2bGg4UHVsQ0pzMWY4XzZWREJDZXBVTVVqdmFPSHJUbi1rVDZWSnB6ZkRmNDBDdEtKendoMjNiNjM?oc=5) · legacy.com
- 2008-11-11 [Jeremy Curtis Anderson - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSnJHSWVha1N1dG45dmhadlhYdUQ0dnJibW5XczJqZWFrNmJfeTBrWUk2TWN3S2F0YlI2Rkg4a0puUTIta1Fja1BLTXliaDlMZEc1VUZ1RWZjMGowSFhlci1nZTNfQXJkRi1NNmlwVFpmcEhjb3I0SXh5QTA3VDYxZlNZREpJQmRfQUtCMEZHU3htWTlka2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67146 (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/10.json (key "67146", 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=67146
- 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