# MEMBERS FIRST
Brigham City, UT · NCUA charter 67153 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-first-67153

Who the members are: state charter, organized 1958, low-income designated. 13,576 members of 135,000 potential (10.1% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. 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 | $206.1M |
| Members | 13,576 (-1.6% YoY) |
| Full-time staff | 25 |
| Net worth | $30.3M |
| Net worth ratio | 14.7% (p87 of band) |
| ROA (annualized) | 1.91% (p97 of band) |
| Total delinquency | 0.29% (p21 of band) |
| Net charge-offs (annualized) | 0.05% (p10 of band) |
| Loans / shares | 57% (p15 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p47 of band) |
| Operating expense / assets | 2.47% (p11 of band) |
| Vehicles % of loans | 63% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 127% (p65 of band) |
| Vehicle delinquency | 0.30% (p26 of band) |
| Vehicle NCO | 0.16% (p17 of band) |
| Repossessed % of vehicle book | 0.12% (p75 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 31% |
| Average share balance | $5,386 |
| Participations bought / yr | $29.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $17.2M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $12,304 |
| Loans granted, annualized | $28.3M |

## Participation posture (from the same filings)

Bought $29.6M and sold $0 in the latest annualized quarter; $17.2M outstanding purchased (56.9% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | delinquency rising, members leaving |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 2 |  | delinquency rising, net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 2 | 3rd-party paper>100% NW | members leaving, delinquency rising |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 3 |  | delinquency rising |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 4 | net worth falling | members leaving |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | auto monoline |
| 2023-03 | 4 | delinquency rising, assets shrinking, auto monoline |  |
| 2023-06 | 2 |  | delinquency rising, auto monoline |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-06 | 1 | 3rd-party paper>100% NW |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | auto monoline |  |

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

- 2014-07-18 [Brian Skinner Obituary Jul 18, 2014 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5xa0kzQjM2VnplaXZ4ODFyVzdJc0hlTk1kZ1JRbkNTbDF1U1VrZHdjaU0yWE9BX3F2TVgwZWVlQU5MMFpNUnRsNlI3TmxsZ0kxZ1NVNlhxTldNTzJGaUExaTJycFNTVHc?oc=5) · Rudd Funeral Home
- 2023-07-12 [Robert Duke Obituary Jul 12, 2023 - Gillies Funeral Chapel](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9QMmZDVlB3VzZTdVVVQkthODhEUTF3NEJKazZQYy15SDBnc1NhQXIyTWdfZFlQcHRDeWFFSDFEU1poY251a0U0N2NKNDB4bmo5VFRjQld5QUp5NWNLSTFSVmNLVTc?oc=5) · Gillies Funeral Chapel
- 2019-12-03 [David Montgomery Obituary Dec 3, 2019 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE5LRXU2SURxdlFHemQxQklCZkFSaWZnWWNWdDVPalRwcDhnYXp0cGxhVms5bDhIWlh5TzJ0S0xJOElydFhrc0ZOU1V1RjlZZW9PTmJzMkc3TmlZYWNxQU5ydmtHSzBjYzR1ZnhJ?oc=5) · Rudd Funeral Home
- 2014-07-04 [Steven Chadaz Obituary Jul 4, 2014 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE51NnJrOU42MHZaV3hyNzVLdXA2TVJfamR1SVNHNWdvc0s2S2VrQmRzcFkwSkdHWDlZZktBY3MtSGJqbEVla2Rza1pYdEVPOXpxUEEyYW5qR2QxTFdoNmpBVUQzT2cyTms?oc=5) · Rudd Funeral Home
- 2016-06-19 [Michael Westmoreland Obituary Jun 19, 2016 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5JalpNREE2TnZYVkZkeDF1OG5IdEVsakdiRFdBdXBPSTltQU1LbGI2dGIybkhWeGZwUktuYkluQ2d5ODJlaVdRUHhCeGFxQzRqbXJmWkxldzU3Ui03S29CUUt1cnRQMFNBOVNCTHF3MWo?oc=5) · Rudd Funeral Home
- 2020-11-07 [Raymond Dunn Obituary Nov 7, 2020 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE02V19CSjdWbFhGaUx1VE5uR2lQelFOSWVSVkhMb3E1U2RfWkR5M29OcjBBRDJUdkd5Mi1SRHVLcmQ4U3NhOXZwck1wSGh6cVppYTYzVjItZ0N5bDlJR3pqcUFuZlVtZw?oc=5) · Rudd Funeral Home
- 2019-05-11 [Sheryl Bronson Obituary May 11, 2019 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE52elByQUtDdlF3UEFFSjFaTVc1eHRZUWk3V0g0ZDhEbmxPQWQwUFFRTmZiQXlhVVo2R1hTek5qRU5tWnduVDhLUXhzRmp5eWI4aUNqX3NUMDY5MlhtSzAta3VFelBEOUdD?oc=5) · Rudd Funeral Home
- 2015-04-12 [Tandi Nicholas Obituary Apr 12, 2015 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE43ZFU2UjF3VHB0UjgzSlZMY3BhWXRwdGxhN01uTXZ1dWFPaElocHZoNDI3VTlmeHpYelVJbDFpZUVaakZDWi15Q0FGWWRUaC1ZVEc0aXNuNnRCYXFPYjdhbnhQb3FNU05m?oc=5) · Rudd Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67153 (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/17.json (key "67153", 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=67153
- 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