# CONNECTIONS
pocatello, ID · NCUA charter 68257 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/connections-68257

Who the members are: state charter, organized 1937, low-income designated. 19,329 members of 1,336,000 potential (1.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 55.

**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 | $259.4M |
| Members | 19,329 (-3.0% YoY) |
| Full-time staff | 77 |
| Net worth | $21.4M |
| Net worth ratio | 8.3% (p4 of band) |
| ROA (annualized) | 0.42% (p29 of band) |
| Total delinquency | 1.38% (p90 of band) |
| Net charge-offs (annualized) | 0.60% (p71 of band) |
| Loans / shares | 88% (p84 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p67 of band) |
| Operating expense / assets | 3.61% (p45 of band) |
| Vehicles % of loans | 33% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 216% (p83 of band) |
| Vehicle delinquency | 1.29% (p84 of band) |
| Vehicle NCO | 1.56% (p85 of band) |
| Repossessed % of vehicle book | 0.10% (p71 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 31% |
| Average share balance | $6,182 |
| Participations bought / yr | $21.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.6M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,464 |
| Loans granted, annualized | $41.3M |

## Participation posture (from the same filings)

Bought $21.6M and sold $0 in the latest annualized quarter; $11.6M outstanding purchased (54.0% of net worth), $152,068 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | 3rd-party paper>100% NW | members leaving |
| 2018-06 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2018-09 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2019-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | capital below 7% |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 4 |  | margin squeeze |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 3 |  | capital below 7% |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band | delinquency rising |
| 2026-03 | 3 |  |  |

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

- 2026-07-20 [Connections Credit Union Clubhouse is Making Progress - KPVI](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNazF6WlhPblpYME40QklYX1hEQ3I1YUxsT29DMlg0d1BxZklxTnB0V1Z4cjlyTEx4T1M5eTAxZktSMmp2dWU0UkMtNE4ySV9lRlZGVzBtS3o2VVZQVkJ0bGhJd0hraTIzVng0TWUyLTZlQmpWTWtUODlqR05MT0VXS3JZS0R4cHdEajYwNHdfZVpfc2d5bnBrZFpBVEVQbVFzak1XRk5wWXM1MWtpUFRDamNDYkxIM184WTN3Y1hzTXl5dkZNN2RxZ3k3dndkeWU0SzlTQWR5UQ?oc=5) · KPVI
- 2026-04-09 [Construction underway for new Connections Credit Union Clubhouse at Riverside Golf Course - Idaho State Journal](https://news.google.com/rss/articles/CBMikgJBVV95cUxNMFZwZl85NzBOV1JNbnlOcWFoMk9fV3RXeGNtZ0lBVjAyaGR0U3ZuMkkzYkpHVUdoNTRONVNKbTlqUzRTbThGam1GU1R6WldzcEliX0dDVjRBSGUwZHI1S09xVmx0WHQ2dS1zSjRUY0I1V256aHZsak03cHRyTzBqLTFoZWlIY2tuX1g3MndjdGhIUXh5VUQxTlU1SlFLeGVqUmVqdzI5OUpXU2RPOHJWTGtYbzEzaVVQYmhaSWMwaG1BanB0ckFWaENtUEVxQ0NQZVVkbFVFZHRnZVYtSC1XcktnY3NKaUhHT0lLLW9YNzZyT0hobFhjWVdyUE9mNVl0SVhPbXVheXhZc0xjUGpCcU1B?oc=5) · Idaho State Journal
- 2026-05-07 [Connections Credit Union Kleiner Park Live concert series returns for another summer filled with local music - KTVB](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPX3B1RHpaTE5SMUZ0WDExVUY3Zlh0YTgyc0tWOXViX1dKaHlJVTNwRGpzQ0k2WHBXa3FZX05rYWNnZ1F0QWhSeEtFUUF0ajFaeHhDUkNhSlJPN1A3cWpqSE04Z3pnT25WVUFHcXBWc1pXV2t5OFg0cnhmcnlHb29IYW9rTTZhdlgwODdCd2tXTUhOZnhoWUtBZk5vUG9UeDhJNmhGcnYta1FKUXZkUVNSY0ZxbldjT1ZZVW8zWHpCbWUzNmlxRnczSkRvRHpYM3I1Wmo3MGdFR3pqQ2poV2wzZV9KUQ?oc=5) · KTVB
- 2026-08-03 [East Idaho credit unions launch $100M Welcome Home housing program - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxNclBtMXN0ejNqbU5wS09TQk9jWng2WmFtS25SZ052dFQ0a0xkbjhmb2V5WnE2UWREeXcxMjA1Z0hDd0ZiRjF4ektBTTNjbTJNcXd1UTR0ZXJNcE1BaWJpTWZ0aFFURXZUTUt4c0FQRk05X2RtQjJxX21xNkJBdGRqbUFNTjY5dmRCUzVxX2MtSEkwLS1leGFKdnp2bmRVXzNLbVhzMjhlYk9FNTgyc2stTFlJdk5Td1NMYTJJNmtn?oc=5) · PR Newswire
- 2026-05-08 [Groundbreaking Ceremony Held for Connections Credit Union Clubhouse - KPVI](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNVDFfTU90RUtVRGVEUGl1OGtYUkhScy1wYmRuM0dOeGxjUnlGbzJpaU9ZbzJOZjRjTEtYMXkyOWR1WVJONk5BZHd5NXZESUJ3MElEYUVaMTJzOEZ0Wnl0cXo0N2VyQTRfZFdDMlNsNGtmdExjdWI3WHV2akZRSGQ0eE8ycDVvUlNwTkFkYklXN2FoVDFCTjJuNjNlREdRck1WS1dUMWxBN0VPWk5CZzJmcG5zVWlZbXZ4NG5Ub0VxT09UU0o0bWExZE5Edy1WZ2p5SVllT0UyWkhTNEVpcHJTUTZIWTJzbEo4elE?oc=5) · KPVI
- 2026-05-08 [Pocatello breaks ground on Connections Credit Union Clubhouse at Riverside Golf Course - Idaho State Journal](https://news.google.com/rss/articles/CBMijgJBVV95cUxPNmlZakJQXzVyZS1yVkZqR3BQUUFWYmZSbTQzaGpiTmRmeHdqM01EZG9rUUpEMjktd2RoSGRhN1NZZHBpOTVKcmVtR2IyZjBDQkw3b0M2SkpZS08tYk9mbThLdmNMdVlnb1ROZWI4RzhaRHRzQVhaSkNReWJzV3RqV2Fkb3lmd1c0RlJxYkhJcEVMcndjbTRQYmtuaVdCUEZELUZfY3ZzbTVnbjlUUUtFMnZNZHNXUzRnM2piWVMyTFQyN3dJYjJOck5rWWlwWkQ1WlJHMk40aENTU2NQT3pfQ011V3RKbkVqRU00eHJlbGVKS1FSSWtOb2RrYXNBRGhiLTZvWUhDZk1mdk1Xb1E?oc=5) · Idaho State Journal
- 2020-08-03 [Forbes ranks top Idaho credit unions for customer service - Idaho Business Review](https://news.google.com/rss/articles/CBMifkFVX3lxTE5sbUNHOHhoaHhjZmJoZUd1N0RnX3c5VndJVmx3cFdpTlZLRWhXRjNXaXg4dUJPX0pXSjQxQ3JiZWhkYVAxVFB0d1ZVYkRMSTh4eEY1SExsdGhmWHlkR1FBVTJkamprTXlQbE5ScVFyTHo5WUtBNmpya3Rqbm85QQ?oc=5) · Idaho Business Review
- 2026-02-25 [Pros And Cons Of Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMibEFVX3lxTFBCWlFXY1ZVSklvQnZMcUloYVFBUDU0QVhzb0pKNURNcmdqTDR1b1RhaWI2OHdCUGt5Sjl4TEdxcURLTzNuVkd2Ml91M2VRMmxhNkNFRlY5YlFBN3h2ZVFTQUZZcUFkOXYwLWl5LQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68257 (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/33.json (key "68257", 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=68257
- 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