# GLACIER HILLS
WEST BEND, WI · NCUA charter 67238 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/glacier-hills-67238

Who the members are: state charter, organized 1934. 17,040 members of 2,189,688 potential (0.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $284.0M |
| Members | 17,040 (0.5% YoY) |
| Full-time staff | 51 |
| Net worth | $30.4M |
| Net worth ratio | 10.7% (p41 of band) |
| ROA (annualized) | 0.99% (p72 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 0.08% (p12 of band) |
| Loans / shares | 79% (p63 of band) |
| Cash / assets | 24.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p41 of band) |
| Operating expense / assets | 3.19% (p30 of band) |
| Vehicles % of loans | 36% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 17% (p30 of band) |
| Vehicle delinquency | 1.10% (p80 of band) |
| Vehicle NCO | 0.10% (p13 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 26% |
| Average share balance | $6,364 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $289,650 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $21,514 |
| Loans granted, annualized | $70.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $289,650 outstanding purchased (1.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | thin capital, margin squeeze |  |
| 2021-06 | 1 | delinquency rising | thin capital, margin squeeze |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 0 |  | delinquency rising, net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | members leaving |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

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

- 2024-05-17 [Glacier Hills Credit Union breaks ground on new Jackson branch - GMToday.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOZXZTbVJNQndHazc3TkZxdmkyc1g4aWdoNk5LbnI0SkMwSG45WmNJbVhDSkZoNVByRTdjdEZtdDZEeGRvR244eU9DdHBQX0k2amtrUVlLc3dleFFaMTlTQlZxTUZqYlo0T3ZPMkgzQzdXbjVKWjVVY3B5MWxrel9GQ3VsSUlOMDdWMHg1cExSMVRjWFlaMU5DdkVIYk1vaGFpT2ZGZmdOekN4cGJpcEZnWVJzT2QxSGw0aWx6dkdPOHpNMUlBRmJjZmRtSU14MlozV2JIRlJEYXpHajV3MW5Td04zd1JMQlFTYmlGLQ?oc=5) · GMToday.com
- 2026-01-03 [Mary C. Barrett Obituary May 6, 2023 - Myrhum-Patten Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5qdDEtOGo2bmI3SDR1Vldqd1ZKQlpEYW9vYTZ1c1RINENwa2NreFRsYl9GQmhMbXh1TkdrQ205dDNXUTg0ZHEzT1k3M0ZzeTQ4VXphNjBJTHhaN2RBbVczVE5qUmQ?oc=5) · Myrhum-Patten Funeral & Cremation Service
- 2021-10-02 [Theodore H. Cholewinski Obituary Oct 2, 2021 - ueckerwitt.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5yZHVnaGJJeVctM1htUnhNR2x6SmdFUHdkV2VlNWVqZ2F6djhGYXA0Zl9qb3R4bDJhWjF1bmdiOGJmUjFiZDFnUU42bUVOQVRrdG1YTm5JLVRGZFVackd6MXA2b2c2aWswWURtRg?oc=5) · ueckerwitt.com
- 2019-01-12 [Devon M. Sweeney Obituary Jan 12, 2019 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE5UNy1IMlBURmVmTjBTMDh4UXhwbzJubk16ZVBJSEFGemRWR0kyc2RhSjR5djZqSjVLUjVFMElzNERkSk42WU5yOG1aSWhIMml1S2dqb1RPX1RIejZ1b09vSE9yRFJrRG9EWHc?oc=5) · Nimsgern Funeral Home
- 2021-08-13 [Mitchell Joseph Gebheim Obituary - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1jaVJMQzRubmw4ODVqZDk0M0ZadlBQVi0xcXJWZDRWbVBVYXQ3Z3g3amMyUnlqdnRTcUJFN3dYUlZVVS16UF9aNXc1OC1iMHRJRFJJTlhwQWFxdU1JQi1FbUV3?oc=5) · Oshkosh Northwestern
- 2020-01-08 [Karen Held (Nee Greenwald) - The Sheboygan Press](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBvOWlaQmowVnB0ZXVpV2tSRW93eHlIUnF5TktZYUJOeWU3TTExZGwzc1JvbTEyMXpBMm1KOHdzanhWTXJDOWR0ZlY2RU90VGp5b1QxLUEzem91UmI2X3V6SA?oc=5) · The Sheboygan Press
- 2025-01-17 [Nicole Kroupa Obituary May 8, 2012 - Myrhum-Patten Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAzeWZWRVptMXhac0hxU19NLXJKVUFBYUpNd3FrRFVxRy1RZ3UtS1JpWDU2SEhVcUxHOWFBMHVsNVZwTXQzNTJKX0xPZktqX0dzanRBYWRwWVcwMTBBVnBkMlBmbUI?oc=5) · Myrhum-Patten Funeral & Cremation Service
- 2018-05-17 [Marian University opens micro-press focused on social justice | Streetwise - fdlreporter.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOS1pvUzVjdHZNV2swdmMyVXhFTUNlMEFqeFFKQW9PSUJia2Q4MzhsaHV0d1pBX2MyNHB6Q0NmQnF3Y2VsUmVtQ3oyak5sYURMNDZDNVN4a0ZULUtVZm1naG1SbDVLQThEN09rOE9wUmw2ZFh6WHg3ZjYzRnA1MTJJRDg3THpmRUhnSjFrczdXb3hjRUdFNVItM2M1NWplTFpaQTdwcEI3VE44dXExUnhHN3VvLTNWaUlsRFprSUozSQ?oc=5) · fdlreporter.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67238 (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/38.json (key "67238", 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=67238
- 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