# SOLARITY
Yakima, WA · NCUA charter 68061 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/solarity-68061

Who the members are: state charter, organized 1951, low-income designated. 45,958 members of 8,001,020 potential (0.6% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *quiet fade*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $846.1M |
| Members | 45,958 (-4.2% YoY) |
| Full-time staff | 127 |
| Net worth | $141.8M |
| Net worth ratio | 16.8% (p97 of band) |
| ROA (annualized) | 0.18% (p15 of band) |
| Total delinquency | 0.17% (p8 of band) |
| Net charge-offs (annualized) | 0.27% (p34 of band) |
| Loans / shares | 102% (p97 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 5.32% |
| Net interest margin | 3.13% (p28 of band) |
| Operating expense / assets | 3.67% (p57 of band) |
| Vehicles % of loans | 6% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 55% (p38 of band) |
| Vehicle delinquency | 0.54% (p46 of band) |
| Vehicle NCO | 1.34% (p70 of band) |
| Repossessed % of vehicle book | 0.08% (p60 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 227% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 19% |
| Average share balance | $6,873 |
| Participations bought / yr | $26.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $76.4M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $45,522 |
| Loans granted, annualized | $80.2M |

## Participation posture (from the same filings)

Bought $26.3M and sold $0 in the latest annualized quarter; $76.4M outstanding purchased (53.9% of net worth), $9.0M sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 3.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 3 | leaning on borrowings |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 3 | delinquency rising | loans>95% of shares, net worth falling |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 4 | net worth falling, loans>95% of shares |  |
| 2017-12 | 4 | members leaving | net worth falling |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | delinquency rising | members leaving |
| 2018-09 | 3 |  | delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | assets shrinking, loan book shrinking | leaning on borrowings, loans>95% of shares |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 3 | members leaving | loan book shrinking, margin squeeze |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 4 | assets shrinking, loans>95% of shares | losing money |
| 2022-09 | 3 |  | assets shrinking |
| 2022-12 | 5 | delinquency rising, leaning on borrowings |  |
| 2023-03 | 3 |  | 3rd-party paper>100% NW, members leaving |
| 2023-06 | 3 | members leaving | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 | delinquency rising, assets shrinking | leaning on borrowings, members leaving, net worth falling |
| 2024-09 | 4 | members leaving |  |
| 2024-12 | 5 | leaning on borrowings |  |
| 2025-03 | 4 |  | leaning on borrowings |
| 2025-06 | 4 | leaning on borrowings | assets shrinking |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 4 |  |  |

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

- 2026-02-11 [Solarity Credit Union CEO Mina Worthington named GoWest Washington Advocate of the Year - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxNQWV1eWRZbVVFV0xIZDM5SF9rT0k2c2FMbEZfTF9NLTUwNXlNSGlSQ19mNVFFTDFSLWFJZDJYWVpJblVvZk85MGZMemdwY1FocWE2VllUT1VETTZaT0xZbUJsdW9USjdLbEV0NXlOWTMtclZxWHVJUGgyVmFjMUVDMEVqVUxpYjJkZ1ZEUjdvYW1qTWROSXlDNU5BS2JrOWhPMkJaVjNCcWFvN1JDYXA2UXBNeEY3VHhvZ1hjZ0ktdmsxOFJZMTY0?oc=5) · CUInsight
- 2017-07-14 [Solarity Credit Union opens Richland branch as it expands digital presence - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9rMVlCU2hEaEJkenNiWFBpbEVqUE9hNW8yWHlnWnZ2U3dWZFBWVWk2ZXhNZzFYQmlCUGpnd2pFLW1kX2tBbUVmc2xmM2V3TDctWHdfdnVEeTk1X2F4ZWs4?oc=5) · Tri-Cities Area Journal of Business
- 2022-01-11 [Yakima's Solarity Credit Union included among healthiest U.S. credit unions - Yakima Herald-Republic](https://news.google.com/rss/articles/CBMiggJBVV95cUxNemZZRHQ1Zk9aQlpzRHA2QVkzT2VETVVYU1ctUFp0NlFPRzlER0pnaFZpTFprRUpETnNNRjVHMWtyN21HdHdDd0J0NmVybmRRaEJnZVZKNVJYOWI1cENZNC1UXzdCSGdvQ3dxd1gwRVRWYkIxeE1RTDh1MXNPNHFhN0R5VjhnNjNfV3RFS29oT1k4V2EtTEFvbG95bFRNQUFaRldpWllGc1VRem1wYXdNa2NkTndlTGswVS1rMXF0b3U4TTFMUlh1OEc5TTRHaGFzdjg2cmlCMlJHTnJGNmQ0TnFmY2VZVHBWb3pTa0JyYjIxc1lZRXRnUVRzQ1ltQzlGcVHSAYcCQVVfeXFMTkJNVHczV0RiMVBDYm1TMmNlV1dNNDZnczB1UjhKdzFEZjdxS3I5R3JXRzVrZW5Eckk4UDdUWFBYQlZ5Y0tqZGt6VlJTTEItbjdGTkMyZzdUa3BMQlY0VnJqMkU0ZzVzWG1sMTJfdU5YZG1ySG4tRjEwUkVDWlJSdzRCOTV4NDJEYlF2Szhld3g5dUpMR1h3WkRPT2ZwS29xQndOV281OUladVJDSlpPZkpYVEdPYjA2bGxlMXd2NFBVNWh2SGQ3SjYyZFVVcnAzSVY4Rzl4RE1ONndmVHpXSmNkNk51SUpEODVNQ1N2eXVsVnNubmFEa3daR2NLUGNGMkdIbWlGd0U?oc=5) · Yakima Herald-Republic
- 2024-09-27 [Solarity Credit Union Opens Branch in Wenatchee - NewsRadio 560 KPQ](https://news.google.com/rss/articles/CBMibkFVX3lxTE9PWVdDSjNQYllyTkJrYmxqeUNRTWJSR3I4eW5GNWM1TTExdURIaDhiY29sS1ZXYS1Qc2hZdkZkR0ZJNnRrRm40dmVBWWRxZjhEZ3NiX0xPTXpFY21kNllUcmFiMGhOYmtyUjdpWkJ3?oc=5) · NewsRadio 560 KPQ
- 2025-04-07 [Solarity Credit Union fueled $43.4 million in economic impact, supported 340 jobs in 2023 - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxQLVhTdjhjM0dYLURhaVFxcHRTV195d3AyQlVfVlNhMTczdk9iVXdhU2x2aGJzV25KTnFPb2RjMGxqOXZQdi0zUlJ0LTFRTGllYk1odGI5d2lCU3JRcW1QcFNiUUZtSzltb2QyOXBOV05fTnN3TDlaS0g2SlluWHRtckV3V0JxNlFwQV80Sjh0UnFFekZmSmJ0ZEVaTmZIUlFjYmJHWHNGdmFzWVN1M2p5WndzSC1kdWhXR2x3a0c5M2FJY29pWkd3?oc=5) · CUInsight
- 2022-09-19 [Credit unions are more popular than you may think - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2025-02-07 [Solarity Credit Union employees donated 1,255 volunteer hours and more than $10,000 to local non-profits - CUInsight](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOdU1KWEJ0bmYtbDVVSWZ6UHJPa0poRUtIMTc2YTVJd2xDaklYelNlYzd0V0NTcVJUOU1rTWRNNDRlRzNGdllSeWxpYWxaSGZTdGIxMDRSMUM5QnlOVmZVMTdncWpSbkVkMGdMMTRSbWZFTS02OFVFS3lmZ3I1aWZYYVFEQjFSUWt2VTNwQlhCcHZ0dmJ3c3haS09iUHk3YUQzdmIxNnhnNHNOM3o5THdlcmFJdzNOU0Nxb0NidUJaOHBvWGRhTWJZd2p3RFB5amhmUl82U2g2eUtDZw?oc=5) · CUInsight
- 2023-03-24 [Mandy Olson: vice president of customer experience, Solarity Credit Union - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68061 (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/29.json (key "68061", 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=68061
- 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