# UINTAH
VERNAL, UT · NCUA charter 67156 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/uintah-67156

Who the members are: state charter, organized 1955. 929 members of 2,500 potential (37.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 14.

**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 | $4.0M |
| Members | 929 (-0.8% YoY) |
| Full-time staff | 0 |
| Net worth | $825,508 |
| Net worth ratio | 20.6% (p76 of band) |
| ROA (annualized) | 3.23% (p98 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.11% (p11 of band) |
| Loans / shares | 35% (p18 of band) |
| Cash / assets | 71.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.23% (p90 of band) |
| Operating expense / assets | 2.07% (p12 of band) |
| Vehicles % of loans | 75% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,431 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,804 |
| Loans granted, annualized | $623,188 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, charge-offs p90, auto monoline |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, assets shrinking |  |
| 2017-06 | 1 |  | losing money, assets shrinking |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 3 |  | delinquency 2x band |
| 2018-12 | 4 | delinquency 2x band |  |
| 2019-03 | 3 | loan book shrinking | delinquency rising, delinquency 2x band |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | delinquency rising | loan book shrinking |
| 2020-06 | 6 | net worth falling, losing money, margin squeeze, delinquency 2x band | assets shrinking |
| 2020-09 | 4 |  | delinquency rising, delinquency 2x band |
| 2020-12 | 5 | charge-offs p90 |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 | loan book shrinking | charge-offs p90 |
| 2021-09 | 3 |  | margin squeeze, loan book shrinking |
| 2021-12 | 4 | loan book shrinking |  |
| 2022-03 | 4 | delinquency rising | loan book shrinking |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 5 | delinquency 2x band, delinquency rising, loan book shrinking | net worth falling |
| 2022-12 | 1 |  | losing money, delinquency 2x band, delinquency rising, loan book shrinking |
| 2023-03 | 2 | members leaving |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 | loan book shrinking | members leaving, assets shrinking |
| 2024-09 | 1 |  | loan book shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | assets shrinking |  |
| 2026-03 | 2 |  |  |

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

- 2025-12-04 [12-year-old Roosevelt girl killed after being hit by vehicle - FOX 13 News Utah](https://news.google.com/rss/articles/CBMitgFBVV95cUxPUkY4cHVNbExmTmFzcmlpckk5VG1NOU52NEloR1NXREdKc1dOWGdvNl81Z1FFdVFWRVFrR0VISk4zUWY4ZEJvbjJhTjZFaHdjaDdFbEFyN2NIbGhWdWdWSktCZkJWeVlLTDhtQmZDekxPdHh1MFVJd3ctTlNaU0Izc29GeDlpYWFOQlAtZFBZb2x3QTZlU3hBa0JxT3F0YjJFN0N3c29GT1R0WDJMSGQtSzJLb3FZUQ?oc=5) · FOX 13 News Utah
- 2023-03-14 [Alan Ray Story Obituary Aug 11, 2016 - Leavitt's Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE51U0pPblp4MnNxZnJvZUNYOEM3cTd3dU1YSEM5Yndodk13dWR6RlZHbGhvaEgzZ2E2LWNuWjVKZnpqY2FTdjNmTzdsY1BXMDl2S0N5QVZMcS1PTHAyVzNzTmhXNXc?oc=5) · Leavitt's Mortuary
- 2025-06-06 [Chad Thomas Hull II Obituary Jun 6, 2025 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5FZXFjeWxlWFBWRWtnUFlkSjdzcG1QSWFKRGFDdG13Z3FmTzZkMzVJdzlJNDAyRjhIZDh2UUpCdFQ1bDZyQnljV2I3aE03MGYxVjRiRGNvbWhHSXBtSWw2MHNOX0RuVmc3?oc=5) · Lindquist Mortuary
- 2023-08-05 [Sharon Furniss Obituary Jan 5, 2014 - walker-mortuary.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB2bHpHTGhTUngyUXgyZjk3Q2V0UmRiUXNYd01uSjRFZjNyS3psVFpVOHFiZ0RVWk1JVzB6N1JBdkgxRUdRT3FYdUNGRFZ6cEJtUmswaVp2SmpEelk5Q085dDltaVFGdmhK?oc=5) · walker-mortuary.com
- 2024-08-12 [Search crews camp overnight, rescue missing 14-year-old in Uinta mountains - ABC4 Utah](https://news.google.com/rss/articles/CBMifkFVX3lxTE9ydXMwV0I4eWVlTGpaTmF4cl9VR2FXb2RvRHVMYS1uUE10WWdYQzIyTnlnU2dXb2ZuTkNKOWt5TlE5Q3RGLV9kZ3NwUkZJUTlJOXV0WWVJRnNEQzlHZDl6bjRtdklaZ2RmV0tjRlR3VXVZU293Z3h6dkJEOEFBd9IBgwFBVV95cUxNbzRMeVBDenlHXzlqUE9EMmtMWExNbEk3dVowRFM2TC1LTUxVV3BFU0NqN3djT1BiYk9lZjNHaG5FTVd2YmN0TWtjbVF6bTNPRV91eHB0elpjXzR1ai1ucFdPLWI2NkF2b2VMLTJaLVZpMkp1VHhRUDhkVUMxdEwwbWIzUQ?oc=5) · ABC4 Utah
- 2023-03-11 [Jaxon Miles Obituary (1999-2010) - Altamont, UT - Uintah Basin Standard - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMzFmOFFDMTZpRm5LR29fdVpueXNnZzExSFhQbXVfTlVaU3dlX1pDZjhKZG5fd0hrQ3dhYzZaUTB2NzR0MWNBY0dyUTlZakJDVkNGZGRzdlN5QnJVbUN3UTJmenZMR2V1d25lVV9iS1hwOTd3MWh1WU50MnQ4a0d2aDZsSFQtUmcxVXpfS2hn?oc=5) · legacy.com
- 2025-08-07 [High school girls volleyball: 2025 4A team-by-team region capsules, predictions - deseret.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS3hFMmJ2WmFOVnlJS2JwaEJ3eFROLTJ4TDIzSHkxLUFsT2I4ZjBEUlJnVFl1NWNGdFF5d2F1RXZuQkloV1JrSHRVcjYtODFWLUc4UmVtLWR2NWF3NnB0bEVaSzVqXzNzQUFvb3lacWJLVzNNdFlYMWMwVk43alpGSTgtVEFkWXNBRVJPVWZnM204OEdN?oc=5) · deseret.com
- 2022-03-23 [Brandon Gee Obituary - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiakFVX3lxTE11YktQNjBqMFFxaExnUUZBSXRtVFB5dy02WG9rb0hKMTI4ZnNselh6dnk4UjJtbHVSLVFCWjBWOTlEWEtYaThuQWVhSlhrbHlCNU5tb09PeDhnYlROOFc1NUVZMXozY1VncFE?oc=5) · Lindquist Mortuary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67156 (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/20.json (key "67156", 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=67156
- 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