# SNO FALLS
North Bend, WA · NCUA charter 68293 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sno-falls-68293

Who the members are: state charter, organized 1957. 5,072 members of 32,625 potential (15.6% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. 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 | $101.2M |
| Members | 5,072 (-6.4% YoY) |
| Full-time staff | 22 |
| Net worth | $8.5M |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | 0.19% (p17 of band) |
| Total delinquency | 0.85% (p66 of band) |
| Net charge-offs (annualized) | 0.15% (p27 of band) |
| Loans / shares | 80% (p71 of band) |
| Cash / assets | 10.5% |
| Borrowings / assets | 0.82% |
| Net interest margin | 4.59% (p89 of band) |
| Operating expense / assets | 5.66% (p94 of band) |
| Vehicles % of loans | 13% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.05% (p74 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 8% |
| Average share balance | $7,238 |
| Participations bought / yr | $11.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.0M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $31,436 |
| Loans granted, annualized | $12.0M |

## Participation posture (from the same filings)

Bought $11.5M and sold $0 in the latest annualized quarter; $6.0M outstanding purchased (70.6% of net worth), $935,864 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, delinquency 2x band |  |
| 2016-06 | 3 | losing money | delinquency 2x band |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | losing money |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital below 7% | expense trap |
| 2018-06 | 4 | expense trap |  |
| 2018-09 | 2 |  | capital below 7% |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | expense trap |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | expense trap, delinquency rising |  |
| 2020-06 | 3 | margin squeeze | delinquency rising |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | capital below 7% |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 6 | delinquency rising |  |
| 2021-12 | 6 | net worth falling | delinquency rising |
| 2022-03 | 7 | losing money, delinquency rising | margin squeeze |
| 2022-06 | 5 |  | net worth falling, delinquency rising |
| 2022-09 | 4 |  | losing money |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 | assets shrinking | capital below 7% |
| 2023-12 | 4 | members leaving | delinquency rising |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 6 | delinquency rising |  |
| 2024-09 | 7 | delinquency 2x band |  |
| 2024-12 | 5 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 5 | delinquency rising | losing money |
| 2025-06 | 6 | delinquency 2x band |  |
| 2025-09 | 4 |  | assets shrinking, delinquency rising |
| 2025-12 | 4 | delinquency rising | delinquency 2x band |
| 2026-03 | 4 |  |  |

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

- 2024-01-26 [Teens arrested after North Bend bank robbery, multiple hit and runs in stolen Kia - KOMO](https://news.google.com/rss/articles/CBMixwJBVV95cUxOaUQ1N0dkSkFsamZKZWpUS3RLaUhudVJqWnNpcHBkZ3J1am1XZGE5MHNva2pyTGRHTmFLeU1HeElSSmtSLWR6ZUdEUlo4eTFxakxsZ2hDNUtLMENxNnd3bE9hRzJGbzZMN1JPTjRXOXpVemtrWEprWWpRZm9XSWVJRUJPTEFfeFUzdm00LUEzSHk2MkZqenR3SHB4QW5DM1JsNkVybmxWLXVCX1YyeDk5eEgxeGNIMzZQaDJLWlFXbWxHMWgzcDNzZUtNcTRwb0gtUkFDNzVUVXgzYjBzMEJQNTkzOVM1UTg1akxoRlVPcDlsX3d0bnJnbk1POFZhTHhMNmxQUUt5RDRYbUtwQlBuV2FGN1RPMDR0NzhtLVExNWFrS2c5eGVYS2l2Y1FoeVFXR25FUmdLNlY3bUZrazgyaERtbnpiejg?oc=5) · KOMO
- 2016-10-20 [Then & Now 2016 | Snoqualmie’s first bank building nears 100 years as a historic icon - Snoqualmie Valley Record](https://news.google.com/rss/articles/CBMivgFBVV95cUxNUjVYN0dwTmpQclFWbEU1YjFlRG94OUx3dUpCWmljellRSnhvQW1NUlJQMzJ3eXFjRFlOMVR1cHVUVHNITmtRVXdRT2Q5NDFDR2pkUFlJa1ZSOUFqWl8wSEpRRUFUcGU1MkxXZlhGQTZySnhpc2x6ODBFcnFjRTRlOVozd2xNTGF5SzNVcExpNkZGUG5JY0JDNlo5Q3FCYXBoZ0puZTJ0WW5jUmVYY1k1UFJfYzc4ZGQ3MWp1N29B?oc=5) · Snoqualmie Valley Record
- 2023-09-06 [Celebrating the Life of Timothy David Lake: Remembering a Locals Long Courageous Life - Living Snoqualmie](https://news.google.com/rss/articles/CBMitAFBVV95cUxOVmlaaWpiRXA5elRuWVQ4dGVmaWxIMnF3WktRcUlUN3E3RTc5b1JDVTZZVGtOZXZQc3FmcnhQRnR4dW1EaGhIOUZlZzVoWXVZYU1Kd3VjMS1VSU5zUk1nb0hIeGt6Vm1sVG5nUTlnREZOY2hPSUtEQ2h0V3UyZWJROXVySnVTZ01ocGlKMmlPQWVmaVpPZll6OWZQTFQyeEpJT1lFLUQtQk1scGZ3YTkwNURRcXk?oc=5) · Living Snoqualmie
- 2023-01-18 [Valley nonprofit names three employee of the quarter contest winners - Snoqualmie Valley Record](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUVNYcURERS1Vel9XQktNSjFtQm8wRmlnamEzbjQ0ZHppX25nZjVJNldxaEd6dTJUUEdfZ09sRy01N25CSmF5VGNIMllJbUNMOFBLdGpESkluTVYtU3N1XzJjaTRYWkRRanNnUTB5bVdhQ0dFTjlWQ2owcWNuVGZmcENWZmVRS0xNNHJiWVhLbUp5Qi04WGNIY3pHaEJ3OFY2c1pJ?oc=5) · Snoqualmie Valley Record
- 2024-03-01 [Stupid Life Choices - GUNS Magazine](https://news.google.com/rss/articles/CBMiZEFVX3lxTE14TmZuQTVuWkV2bjlBZ0g1VncyWVBfMzJLOXI2ODlTMUNTaW5IYU9oeldTYXAxQVFteUFGdzdpTjUyVjlVX24zczVIMUl1QUZ4X0ZiVGQ0U0x4c2FOcHBxS0Y4bFE?oc=5) · GUNS Magazine
- 2008-10-02 [Accident kills two Valley teens, injures third - Snoqualmie Valley Record](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTFdXUGx2NDNEZlpiWVdjMlhpT2k3cFRKNkdsU3FMRWxCT0dRMk9UcnVMOEhnSS1zQzdQZVMyZW96TVlBcjRpV0NyR0V5OWZBWkxsUGpGVzNwc19hdHhCYlNKYnc2SmJLQUllS2hteDgzWXVPU2RpaEZvVnNCQkNXRDMtM2c2SXRwRFNhRm81OA?oc=5) · Snoqualmie Valley Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68293 (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/5.json (key "68293", 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=68293
- 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