# PARK CITY
Merrill, WI · NCUA charter 67196 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/park-city-67196

Who the members are: state charter, organized 1938. 25,973 members of 310,000 potential (8.4% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $390.0M |
| Members | 25,973 (5.6% YoY) |
| Full-time staff | 94 |
| Net worth | $38.5M |
| Net worth ratio | 9.9% (p28 of band) |
| ROA (annualized) | 0.76% (p56 of band) |
| Total delinquency | 0.46% (p38 of band) |
| Net charge-offs (annualized) | 0.28% (p39 of band) |
| Loans / shares | 88% (p85 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 3.86% |
| Net interest margin | 3.29% (p32 of band) |
| Operating expense / assets | 3.18% (p29 of band) |
| Vehicles % of loans | 37% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 229% (p84 of band) |
| Vehicle delinquency | 0.46% (p41 of band) |
| Vehicle NCO | 0.30% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 11% |
| Average share balance | $6,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $39.2M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $23,180 |
| Loans granted, annualized | $108.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $39.2M outstanding purchased (101.7% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 5.3% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2019-03 | 3 | thin capital, net worth falling | loans>95% of shares |
| 2019-06 | 1 |  | thin capital, net worth falling |
| 2019-09 | 0 |  | leaning on borrowings |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | thin capital, leaning on borrowings |  |
| 2020-06 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 2 |  | leaning on borrowings, delinquency rising |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 2 |  | delinquency rising |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 2 |  | thin capital |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | leaning on borrowings |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | 3rd-party paper>100% NW |
| 2025-06 | 1 | 3rd-party paper>100% NW |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-05-01 [Park City Credit Union to host grand opening event and ribbon cutting at new Wausau branch - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNRThiZU54MklSWFppSGNuRlVpajZ2aGZ2anJ1dndraV9JdDBNRDRpRjljNnd5Y0tINEtZUjFwbUtRU1JFeEpUYUh6YkNFTTdfdEJmVm1LRlZCUW9qenJpcXVEOWthMUhPT3BSdVo3cXJCYWdxQ0lKWXVCR2V0SFNxcVFQRWhkVy10OTl1M2hhTDROLVJxSFdOem8xc3RxUlVhTTEzUVByaFdOal94clptMTBpVDBZV0V6ZS1RMWtDLWtOQ3JEa0JCYlZOYWFOZDFV?oc=5) · Wausau Pilot & Review
- 2026-01-10 [Park City Credit Union to open new Wausau branch this spring - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiygFBVV95cUxPa1k1aEkzeVdWRFV5Ri16bkozU3RYVk5HRU5XZHM0cUFmVm1TQkxZclNkb3lWWmFjV1FRU1hwdk5aZWI1RlBlb2NTU2dVR1c5SmFfOWRaV3pQOWJIcFZwWmtMMmJpSjE5ZlBUSGVTSXhnMHZoOUxLWEJaZGVqNUJMRElGbDZ4Vkt3NnJMSVdiRzZVbmhraGNKSFpMZklBYmlIUjNVUm9TSS0xbXhRWDF2ZGxaT1FjNXJBeGxrR0NLVllobDFGR0hIRWtn?oc=5) · Wausau Daily Herald
- 2026-02-13 [Schreiber promoted to Chief Human Resource Officer at PCCU - Merrill Foto News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTGdnU1huMXQ0N0dTZnNkNm4zU290R3hOZTJPZzkyc2xOOG44SHkxNVZONjhvTmJCR3hNb0tZUHl2azZ5aEVlNF85cGZfd1ZKU05KMVQweUQ5VkluRDRZSm9mb1pnOFN0QmFSYmdRVXJVNG1TUklVbFlJZkxxWlpGWDIxOTM1TnZUX2VrS3E2MS1Vd1Y4enJqQUUtM1FUY3ZTYXJr?oc=5) · Merrill Foto News
- 2025-06-18 [Merger expands Park City Credit Union's reach - Wisconsin Rapids City Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcHNzdEhRNWZ5dVlmaGlwd0ZzZkt3Qmc1Ukp6UVg4eHl6Y3ZOdHNscjF2S2ZPeU9UM0RGWWNnSXYyYXd6UkpfalpTT2xkdGc3cFA5S011ZDdFbXVhNDQ3bUJvU0xVQU5YN3UwdEVZZFpsUzhhNzZFd1YzU3ZtMWtPaWd2YlcyLU9IRWI4?oc=5) · Wisconsin Rapids City Times
- 2026-06-03 [Dunkin’ and Baskin-Robbins opens in Merrill - WSAW](https://news.google.com/rss/articles/CBMid0FVX3lxTE5mOUtoYTZQRjNCUGNxU2dVdlFGdjd2SzRlcVYxMW5TUXRkbTBrai03eVdxRDNGcTV4b0QzaGU4Z2hxOG9sUDdUOHlDOTVLc2VZVE5QNVVrYWRJNzBWY3dBS05RQzV3WjRtWENjSEtHamJCZE1JY0FB0gGLAUFVX3lxTE52ZG9DdUotbE9uRUE0NlpMQm9BODc2OWEwVlBVbVZFTUpPN3FiTFZzbUhtWTE3dWNKMG5oZ0xnbGNacjJoaFAtY0pUZjFNMzZrZ2NyeF85Vk9vbnRKUEV4TzZvb1dMV0lsTzl4TmFQQ0YxRFNWQUt5SnBBeWx0bFFqSHZlalZEcjczenc?oc=5) · WSAW
- 2026-06-15 [Dunkin’ and Baskin-Robbins opens in Merrill, grand opening set for June 19 - Merrill Foto News](https://news.google.com/rss/articles/CBMitgFBVV95cUxNQXY4ZWd5MFhtRV8wbFlzNFN3MFF1MUEzVVVUejd6ZWxhZXJYeEZJeUd6cm90ZEItRTBJYWRaZWQtamVpa0h0cXVrTkdXanIzNU5KLVgtekE2T040ZG1QSUdqZEsxVmNWZThKeGZUeFB6cEFha3dBSGl3YzFmQktCMUJZU3JQckFtMG5JaUZSNjhNVXNHOVpSaFVpd3JJWEVuLTk0UkRaU0RsUVBZT3R6RTRCUDFpUQ?oc=5) · Merrill Foto News
- 2025-09-12 [New coffee, ice cream franchise location to open in Merrill next spring - WSAW](https://news.google.com/rss/articles/CBMingFBVV95cUxNc1F0ZTdiTV9KcFpPRS1EUHo5R3FxQ0VaTDM1WmtmdWx2UTEtbXZ6MU4wOUZ1UHBabGZ6eExNcU03cldWeVJPZU50VWZTa3pNQXdwSE1MTzBqdHdkZXNXT203VGhGXzlOZDVxRnowWjNualNnQjRJZ3hwaTNLSm1VaHkyRzdkekdQMzlNV2RvYlMzTThIOXYxUk1xVnA3UdIBsgFBVV95cUxPckhJaWtoUzIxam9TU2VSTy1FM2pyN1BpU1c4eHVqNGxqYVRhRXNFS1dUSlRIMlQ1eGVMR21wZVpCVXZJN1BLVWVqeWQwNUg5dEZQRnE1RjJmaHphOUNHdkQ4bUNsaVZYdnVoS2Q4S2NDN09pbkFMNjFLSVVqQzlCeUhZU2xIeGJQT0V4SzA0UFpjdkFiMi1waGdfZG1xUmpONkVCbEdpZ1NiaVlEb193amp3?oc=5) · WSAW
- 2026-04-16 [Carol J. Osness Obituary Apr 16, 2026 - Taylor-Stine-Waid Funeral & Cremation](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1JNzAwQUxKM2RtY2xQYWNzODR0V3BkVDNTaFhKYTN0U3J3VDJ0MzNPSWtlWmUzRlp1ck1JMTc3b1ZiVzFFVmdneVFWUF9RVXhIbV82R3Vpd0Z4dko1QjhvVmJITDhPZw?oc=5) · Taylor-Stine-Waid Funeral & Cremation

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67196 (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/60.json (key "67196", 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=67196
- 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