# WHITE RIVER
Enumclaw, WA · NCUA charter 67201 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/white-river-67201

Who the members are: state charter, organized 1952. 8,414 members of 50,000 potential (16.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 140.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $115.6M |
| Members | 8,414 (4.7% YoY) |
| Full-time staff | 20 |
| Net worth | $19.2M |
| Net worth ratio | 16.6% (p90 of band) |
| ROA (annualized) | 0.15% (p16 of band) |
| Total delinquency | 1.38% (p85 of band) |
| Net charge-offs (annualized) | 2.15% (p98 of band) |
| Loans / shares | 61% (p35 of band) |
| Cash / assets | 39.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.51% (p98 of band) |
| Operating expense / assets | 3.95% (p61 of band) |
| Vehicles % of loans | 44% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 138% (p76 of band) |
| Vehicle delinquency | 1.50% (p85 of band) |
| Vehicle NCO | 0.85% (p68 of band) |
| Repossessed % of vehicle book | 0.14% (p83 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 6% |
| Average share balance | $6,027 |
| Participations bought / yr | $8.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $16.3M |
| Loans outstanding per 100 members | 140% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $5,028 |
| Loans granted, annualized | $13.3M |

## Participation posture (from the same filings)

Bought $8.0M and sold $0 in the latest annualized quarter; $16.3M outstanding purchased (85.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -2.8% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 3 | net worth falling, delinquency rising | delinquency 2x band |
| 2017-09 | 1 |  | net worth falling, delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 3 | delinquency rising, 3rd-party paper>100% NW | net worth falling, margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | net worth falling | delinquency rising |
| 2022-12 | 3 | delinquency rising | net worth falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | charge-offs p90 | delinquency rising |
| 2023-09 | 4 | delinquency rising, assets shrinking | auto monoline |
| 2023-12 | 4 | delinquency 2x band | delinquency rising |
| 2024-03 | 5 | delinquency rising |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 2 |  | delinquency 2x band |
| 2025-09 | 3 | delinquency 2x band |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2026-09-09 [Muse Plots 2026 North American Tour with Bloc Party, Portugal. The Man - TicketNews](https://news.google.com/rss/articles/CBMipwFBVV95cUxOUmFxbHhqYXRlRnJaZVpZVDdBR2Rxd1BaT1JxeGdvRU1LVTZ4ZGlYellQSzBTb2FPNmpnbW5aX3hyZFRBSi1ManhndXVQQ0lBZmJWOWdWTlo0cmczMEtJUHJFZVhhXzQ0Z25idkRCOHRETG50akhPaE1iNWhMWWRienBaOTE4TnRpVWpHTEVLbkl6V3lUM2xMQVRtd2g0QVJIR191Ry00Yw?oc=5) · TicketNews
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-06-08 [mgk turns Coastal Credit Union Music Park into his own world for the Lost Americana tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOelExTHpVS2lrUE5QYVFZeUxsQUNudzZYSURjWVF5ZkczVkc2dmQ0aV94OG1NT1QxZFJWNFN0RlNGYl9yT0FYRDBmb0JicU91a1paX0RpQ05KOFIwR1VxV2dfM0psZENXeGR1MEJzTTA4eDlPUVVCLTVMRDYxbUlodnVkWDN0a1FoS0VZZ0NDeEQ1REpTNjBDTVBHZjk2SzgwWjlBT09Za3l6dzg3a3ZEWWU1NFpzdmo4TTdqR2c4SkgzeXVjUk9pcGZZX243b1FHbFE?oc=5) · MELODIC Magazine
- 2026-03-27 [MUSE Announce North American Tour Behind Upcoming Album The Wow! Signal - Live Nation Newsroom](https://news.google.com/rss/articles/CBMirAFBVV95cUxNLXdRTndfaDNwNTR0dXd6ODZfOG5FMzhFTkxkYm5FTkVrX3hNd0I5bmJVSUtRUEpVMmtOa0t0cHhyU2FPbEdKTXpMSDFXZzJGaUdXdEZacGJ1SFVrR3JaUkszWFg5UTF3Y2lYOXQ1bnhMaUM0N2M4RmFaM2djQXlCY0hTVmZGSktHR1RxUVlvVnVBOXV1Y0NCTVBTVnNtWGtzSFVwWXBCNFlwN2lo?oc=5) · Live Nation Newsroom
- 2026-05-07 [Hayley Williams adds solo shows to 2026 schedule: How to secure limited tickets before they sell out - AL.com](https://news.google.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?oc=5) · AL.com
- 2026-01-15 [ROB ZOMBIE and MARILYN MANSON announce "Freaks on Parade" co-headline tour - Revolver Magazine](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTWkxNUhvVE12NXJOVVpvVnFSQjJ6dEZSUTdKb2QzdUV0RV8zYXktd2R4cWZjSG5uNnJ3UTd6Ump5YnRwMnpwNnRTb3czdUZzMEl0X2xmdzQ2czFqRllXZ3R1VmlKeDR4NzdVTHRwYWMzOURNWk5Yc2dsd1lTQmUwUWtUVGZQWDRxQnBKZEZWQlE3d2c4a1g0d3Q1X2ZJT2hueTF3NlFwaXRLMkZW?oc=5) · Revolver Magazine
- 2026-05-23 [Hilary Duff Expands "The Lucky Me Tour" With Added Shows in Los Angeles, New York, Toronto, and London - That Eric Alper](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNN3JVZTEzeXJZdENKOHppMHMtc2owRXRBaHh1dzVCUVFzcWZDcnpvXzBiTEhuQVNYeVJLSnc4a2szZDFpSXQ1U3QyM2hGQURqOVYzZ3o3TE5VZmVEX3NxX190YVpmOWJuWVgzOFlRZ2NzbWNIejZneGFsdjh0NzdNd3o1MFpaTmJGRHh5YVdueFE1ZENnOC13ZTJVYVhtRDBNeURBYjdTSHctd0VlajVzTzZIcmJmOE9EcVRScU1CMVJBTDU4MDZLNnhmaTBWU2lPOE96VUZR?oc=5) · That Eric Alper
- 2026-08-24 [Rob Zombie Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1NTzVJdFdxT0xqcmZxX1BMa29oTjRpc2VHYmI5TzlVUVEzbl85cWY4dHE2SGRMdEkxako2dUo1WDRjcTJXTHB3eXBMcW5DQUZxbU02bXNuWDZ3OE9HWGc?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67201 (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/1.json (key "67201", 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=67201
- 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