# KINGS PEAK
Roosevelt, UT · NCUA charter 67160 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kings-peak-67160

Who the members are: state charter, organized 1960, low-income designated. 3,926 members of 55,000 potential (7.1% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $65.4M |
| Members | 3,926 (10.4% YoY) |
| Full-time staff | 10 |
| Net worth | $6.0M |
| Net worth ratio | 9.2% (p12 of band) |
| ROA (annualized) | 1.61% (p88 of band) |
| Total delinquency | 3.03% (p98 of band) |
| Net charge-offs (annualized) | 0.56% (p74 of band) |
| Loans / shares | 84% (p88 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p79 of band) |
| Operating expense / assets | 3.25% (p39 of band) |
| Vehicles % of loans | 51% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 4.55% (p98 of band) |
| Vehicle NCO | 0.93% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 26% |
| Certificates % of member funds | 50% |
| Average share balance | $8,201 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $22,369 |
| Loans granted, annualized | $22.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 5 | net worth falling, expense trap |  |
| 2017-03 | 7 | thin capital, charge-offs p90, members leaving | expense trap |
| 2017-06 | 4 |  | losing money, charge-offs p90, members leaving |
| 2017-09 | 5 | members leaving |  |
| 2017-12 | 7 | capital below 7% |  |
| 2018-03 | 6 | delinquency rising, loans>95% of shares | net worth falling, capital below 7% |
| 2018-06 | 8 | capital below 7%, leaning on borrowings | delinquency rising |
| 2018-09 | 5 | expense trap | loans>95% of shares, capital below 7%, leaning on borrowings |
| 2018-12 | 6 | loans>95% of shares, leaning on borrowings | members leaving |
| 2019-03 | 6 |  |  |
| 2019-06 | 5 | delinquency rising | loans>95% of shares, leaning on borrowings |
| 2019-09 | 6 | net worth falling, margin squeeze | delinquency rising |
| 2019-12 | 5 |  | expense trap |
| 2020-03 | 6 | expense trap, charge-offs p90 | net worth falling |
| 2020-06 | 6 |  |  |
| 2020-09 | 4 |  | margin squeeze, charge-offs p90 |
| 2020-12 | 3 |  | expense trap |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | charge-offs p90, loans>95% of shares, leaning on borrowings | delinquency 2x band, auto monoline |
| 2021-09 | 2 | margin squeeze | charge-offs p90, loans>95% of shares, leaning on borrowings |
| 2021-12 | 3 | net worth falling, delinquency 2x band | margin squeeze |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 2 | margin squeeze | delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 1 |  | delinquency 2x band |
| 2023-09 | 0 |  | thin capital |
| 2023-12 | 2 | thin capital, delinquency 2x band |  |
| 2024-03 | 1 |  | delinquency 2x band |
| 2024-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-09 | 2 |  | thin capital |
| 2024-12 | 2 | thin capital | delinquency rising |
| 2025-03 | 4 | margin squeeze, delinquency rising |  |
| 2025-06 | 2 |  | margin squeeze, delinquency rising |
| 2025-09 | 1 |  | thin capital |
| 2025-12 | 2 | thin capital |  |
| 2026-03 | 2 | delinquency rising | thin capital |

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

- 2023-02-16 [Vicki Allen Kynaston Obituary Feb 16, 2023 - Hullinger Mortuary](https://news.google.com/rss/articles/CBMia0FVX3lxTFBmMVpSNnpESnpwSEw3MmRRQjBfRWpwSTM2WFN4TDVMVFBuSTZnazVkWEdfSDZEZS1BYkt2SzRqNEl5MzhReDBWZ3V6Rnkyb25uU0NVTE9rY2dxNW5qSmxacTk1Ri1HODdxcHZr?oc=5) · Hullinger Mortuary
- 2023-11-27 [JOYE BROWN Obituary (1942 - 2023) - Vernal, UT - Vernal Express News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZFhzQVdER1ZKX1RNelREanJXVXRZTnFSQTdsczBmWWhiY202Q0RtNlJHdG02ZjFSOWtUeHp6V1lhY2RISmUtekdvbVRoNTNDNVZkb1lvMDJzX2Y4SndGOGhJenBjRElhaXdyUk9xZWwtMzY4bFg1Z0dFRFVCUHEyeTcwX0VaOXJRT1NwUHQ5LVViNF9RbVE?oc=5) · legacy.com
- 2021-07-02 [Teresa Houston Obituary Jul 2, 2021 - Hullinger Mortuary](https://news.google.com/rss/articles/CBMibkFVX3lxTE9GZnNvcHUzMzBIRWhadExYQnBhWXMydE1wWnl3VkhaazA4MnVSVkdrM0VKdnRpd3huRGp0b0ZrRW1HRkNDRm02cDEteE1tcFNrT1o2RG9VMTQ0WmRHWUJFV1VGd1NrSFR0bFBULTNR?oc=5) · Hullinger Mortuary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67160 (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/24.json (key "67160", 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=67160
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide