# BLUE MOUNTAIN
COLLEGE PLACE, WA · NCUA charter 68280 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blue-mountain-68280

Who the members are: state charter, organized 1959, low-income designated. 4,455 members of 60,760 potential (7.3% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $55.8M |
| Members | 4,455 (-0.9% YoY) |
| Full-time staff | 11 |
| Net worth | $7.4M |
| Net worth ratio | 13.2% (p54 of band) |
| ROA (annualized) | 0.78% (p56 of band) |
| Total delinquency | 1.19% (p77 of band) |
| Net charge-offs (annualized) | 1.10% (p90 of band) |
| Loans / shares | 81% (p85 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p63 of band) |
| Operating expense / assets | 3.15% (p36 of band) |
| Vehicles % of loans | 32% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 34% (p72 of band) |
| Vehicle delinquency | 3.38% (p97 of band) |
| Vehicle NCO | 2.97% (p96 of band) |
| Repossessed % of vehicle book | 3.00% (p100 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 36% |
| Average share balance | $7,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.1M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $19,827 |
| Loans granted, annualized | $9.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.1M outstanding purchased (41.8% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | net worth falling, loans>95% of shares |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 0 |  | loans>95% of shares |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 1 | margin squeeze | net worth falling |
| 2018-06 | 0 |  | margin squeeze |
| 2018-09 | 1 | loan book shrinking |  |
| 2018-12 | 3 | delinquency rising, assets shrinking |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | loan book shrinking, delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 0 |  | net worth falling, delinquency rising |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 3 | net worth falling, charge-offs p90 |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 3 | repo signal |  |
| 2022-12 | 3 | delinquency 2x band, delinquency rising | net worth falling, repo signal |
| 2023-03 | 3 | repo signal | charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 3 | delinquency 2x band | delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | charge-offs p90 | assets shrinking |
| 2024-09 | 3 | margin squeeze | delinquency 2x band |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | net worth falling | charge-offs p90 |
| 2025-06 | 4 | delinquency 2x band |  |
| 2025-09 | 4 | delinquency rising | net worth falling |
| 2025-12 | 2 |  | margin squeeze, delinquency 2x band |
| 2026-03 | 2 |  |  |

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

- 2026-01-10 [Virginia Priebe Haux Obituary Jan 10, 2026 - Altogether Funeral](https://news.google.com/rss/articles/CBMivwFBVV95cUxOX0xVanpwZHAxMy1aRGlUX1h2R0ZPa29DWFk3UmlVVVVfLWtGZy10ajBxZy0zSnY0VlQ5MVFsamRlaGFsWUFMaWdlbzc3VzNYclFYdUtqRXF2dHUxZS1KOVJOSEltcG94RUlpOVJBMGdMcE9HTTVROGliSzFFWkVianlkLTd4UHMxR1llNHlESUx4Ym5UVVJOYkxoMWY4S3o5WEVZTFM2V2kzWlNNS0FsTVJNWG9Da0RKZzlvYTYwbw?oc=5) · Altogether Funeral
- 2025-12-09 [Giving efforts help Northeastern Oregon food banks - La Grande Observer](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZkRzNklMbFpwSl9rQUZTa1NIVGxaUmwwU01LWEJYVzZFa2JZR2FUY3ljWUtpTjB6VXhwMFp0WnZQT3ZuMDBPS1cwRTZLX2NXVWFKZHhNQ3JUdXl5RTMwVnVFTTJkNE9qZUQ1SnUxbFJ6dkJxUlBJYUQ1UllFSjR5T2Y1MXBHUEtHU0NvM2RNeTZVeUswVEE?oc=5) · La Grande Observer
- 2025-01-01 [Gesa Credit Union - Nonstop Local News](https://news.google.com/rss/articles/CBMisAFBVV95cUxON3dPR0RYdW5BVkM3SmhOY01CbGstMlUyOXE4d2F1VjcwOEc1SFNiQk91SWlFTlVmdE9lUHhjT1ZjU1Y0RFRscDVPODE1OEVjZXZwQ2Vzc04tU29KcXFWdHpmTVotUGRuZmJUWm9wWnpLZ2VBYVdNcmU5TU9PbVJUUlpTSzJ2QXpnYndMbmtQZXRWOHdKUnd1cVg4aGR3MkVKNWh1cURJUkg3R0dTOUM2Rg?oc=5) · Nonstop Local News
- 2024-10-19 [Results from the 2024 Walla Walla Union-Bulletin Readers' Choice Awards - Union-Bulletin](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPVV9kMzFfc2pCYUlfOW14STB0c0FQQ3p4dXFHcGhiOG1RMEhjZW51dFF0TlFueVZQMDA2S2dpVG40RjVpNTR5aUNVeGJsQ0JMM0tmSzRTc2x5SFE3QTlkenVDQlh5VUpCRVRlSjV4Q25TczJ6Tjg1SmFILThHV2tzSjBIbFBBNnZmUlY3Vk92RnVyTUdUQ2FualJtMWY1LWZ6NGMzTWNHbEZkRk5oMXd1aE4wR0NvNlNUU3oxdjExRlJJZWZVVzkyRS1Ob2FjWldsTGNqOGlDeXozUVVfaXJPSHBjWkNvdFV6dHBMV2FlS29GN1JFWUE?oc=5) · Union-Bulletin
- 2019-12-21 [Retail Watch: Hit the slopes in style at Blue Mountain’s new sports shop - The Morning Call](https://news.google.com/rss/articles/CBMipwFBVV95cUxPazZCR1h1eER2N1FxbnJIcHZ4SEZtdnJ2dVhYa2xpNHRZWFI4bTNEdXcyTi1MbUkyQnB1Z053TUVTOGVoM1drNmxTWmM4RWNyYnlYNV9TZTFUaGhuN0FMclh6Sm05d2dLUGp0NFFNbjE3QXczQ2RLWUdyQjExeUZKampIRVUtaFpOWWZsTjBqV3JCbVB4cHhKV0JVSC1hME1hOGc1VXd2bw?oc=5) · The Morning Call
- 2022-05-04 [WWU Announces Two New Vice Presidents - Northwest Adventists](https://news.google.com/rss/articles/CBMigAFBVV95cUxOQWVLdGVhZ0tiZzdCZG9pMG1zVjE5ZXhVdzVnVkRwWW5RTUZFMkpMYnJIc2NZdjJSSVpILWhTZVozSHpUSEVsdXNRakp1U09sblduQTJmT1dMcEtONGZTajlTWHdoekloaU9BRWFaWFRRZjB2WnJHXzhVU2RpZHctRA?oc=5) · Northwest Adventists
- 2025-05-16 [Schuylkill United Way Day of Caring helps community - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNjNJZ3FhVTdyajBlRWROanVKb0UzRHNEaFpwckZIZzVBTzRaR1hoR2tHWFZQZlhTTTM0RVNaS3FfY0d1T1RFYjlkYVdGTXl3LW5KR2ZmUjQtazgzTjItcFJsSE9zOEw3QmNhc2w3UVY2cFcyUkhDUVl6TERtb3Z2bkdzVUpUd0FfWl9pYTBKcjBTQTRRWVg1RmhhaXI?oc=5) · Pottsville Republican Herald
- 2017-10-17 [Toni Goodwin June 6, 1946 – Oct. 12, 2017 - Blue Mountain Eagle](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRUN4TmJjSnh1WWUyZTNLV3dXZk9VczE1OWx1XzZKeGNPUlJvR0JQTnM0RDhKSl9ZT2t4TXpTUnZzbFdOOElQczd3U3ZKQWFMVS0zaWJ0QVQ5Uk5VRzYzS285amlRbENWNmlWR21Sb0dMcFhHQV9peTk0RFdkc0h4STRfVQ?oc=5) · Blue Mountain Eagle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68280 (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/56.json (key "68280", 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=68280
- 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