# CLARITY
Nampa, ID · NCUA charter 68295 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clarity-68295

Who the members are: state charter, organized 1948, low-income designated. 19,344 members of 856,363 potential (2.3% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $231.4M |
| Members | 19,344 (4.3% YoY) |
| Full-time staff | 59 |
| Net worth | $22.0M |
| Net worth ratio | 9.5% (p23 of band) |
| ROA (annualized) | 0.60% (p42 of band) |
| Total delinquency | 1.00% (p79 of band) |
| Net charge-offs (annualized) | 0.87% (p85 of band) |
| Loans / shares | 79% (p61 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 1.00% |
| Net interest margin | 4.20% (p85 of band) |
| Operating expense / assets | 4.71% (p89 of band) |
| Vehicles % of loans | 44% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 86% (p52 of band) |
| Vehicle delinquency | 1.17% (p81 of band) |
| Vehicle NCO | 2.09% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 35% |
| Average share balance | $5,631 |
| Participations bought / yr | $13.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $26.6M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,560 |
| Loans granted, annualized | $40.2M |

## Participation posture (from the same filings)

Bought $13.5M and sold $0 in the latest annualized quarter; $26.6M outstanding purchased (120.5% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 10.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, losing money, expense trap, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 9 | capital below 7%, net worth falling |  |
| 2017-03 | 9 | margin squeeze | losing money |
| 2017-06 | 6 |  | capital below 7%, net worth falling |
| 2017-09 | 6 |  |  |
| 2017-12 | 5 |  | margin squeeze |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 |  | 3rd-party paper>100% NW |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | charge-offs p90 |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | net worth falling | auto monoline |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 6 | capital below 7% |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 3 |  | net worth falling, capital below 7% |
| 2021-09 | 3 | delinquency rising | expense trap |
| 2021-12 | 5 | capital below 7%, net worth falling | delinquency rising |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising | capital below 7%, net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 0 |  | thin capital |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | net worth falling | delinquency 2x band |
| 2025-12 | 2 | expense trap |  |
| 2026-03 | 1 |  | expense trap |

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

- 2026-07-09 [2024 Annual Report - NCUA (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFAzM256eUpDTFBjRkVGdlFOaG04QUlmdUd1R251bjVkUHd6ZE9CUXlia0NKczNOOHQyMm5kN0hVMUlzaXZQbzR3SmlxTWppM1JlVVE4ZVpySl9vNW1pTDhhRGZsUTJYSHBYcU9CRHdMRHBhbUEtWkZISHN2aTdsUQ?oc=5) · NCUA (.gov)
- 2025-08-25 [Homedale gets first-ever credit union - Idaho Business Review](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZFVubm5OWnpReHNYMzhsTjVqVm1fRTBueHlrYzdmUndjeWxXQjRzbmtaemZDRDdYZHgxWV9FUkhGV2pOckVHcmpneVkxRm1XVC04S2RiUXdZSjFqRERoUzFIQW5POU1XRlg1UkQ4NEt2UVRiSHB6c2VwN19HN2Z2NWYzdWdsMFI4XzZEZlFtVEppZw?oc=5) · Idaho Business Review
- 2026-07-30 [Want to help those affected by Big Grass Fire? Here’s how to donate - Idaho Statesman](https://news.google.com/rss/articles/CBMifkFVX3lxTE9QWkdTTDdHVXZublhoZkc5X3hLdlJiU05mOXFQVnREajNYOEdHZ0Ywa19XTjlIby15VW1GcHp3U1FKc0RGT2U1R3Q1SmhmalNJX21VUlE0ZUFOOGpkbGtMaExSdVc2OF9GRGpnUkZuVGVMSWU5dnVFV0hLZWVGd9IBfkFVX3lxTFAyN2Vzd3JuYnhncUcyRU1oN2JTX2ZscFJXOXN4eERXRU1pLXRxT0ZaMkttWXgyalE0enN6VGJmU3YtS3BnMTJWN204TFE5TWcyWVdFR09KbkVrMlpiT1E4clBHYVh6WUVzbWVoMHZvZG9ubHlaMmp3NkYyWmdxQQ?oc=5) · Idaho Statesman
- 2026-07-01 [Debra Flowers Obituary (1955 - 2026) - Emmett, ID - Emmett Messenger Index - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTk5wU3psM0xET3ozVm1uR09tRmRGaHFRdGduVDdiNXN2N3hiQ3h3MjhoYy1DYmlvNEJTNlhIMEZnR3dMay1OeTdENFRqYy1RclB1U0xyU3I4bmFyWmU1aXItN3V6YzktN2hYYTkweDJ1QjRVOVNTR3hQakEzc0NQREdSMlRVdFpQTjQxQVZGYjN3bFp2M3ZZ?oc=5) · legacy.com
- 2026-06-16 [US Regulators Propose GENIUS Act Stablecoin Customer ID Rules for AML and CFT: 39 outlets compared - NewsCord](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQckVVZFM2S2VnTVZWLUVxNlRNM2tNcHhTTzNCSE5XUzB1LU9nckdqSVN2dU5fZE5Ra2x5S2NKV3RlaHJFLTlKMkN5QlRCYzVjcjZTckNqc004ZC1GOXAxRlYwRFgxM241Zms5NDgtemRTY21qZTRGZHdEbGpCbjU4OWl0ODhvbE9fV2NFblp1VUxxRkFwQ2JqMk9QbDZDYzhqb3oxWVdSRmxyTGdGZWRteUU5UFZ4bnpYYWhnWnpMWXB1SEFQdDQzUjRqSEJjc2hUZXdqdmQwbGNETG1JTWJSMkVxOEFUdw?oc=5) · NewsCord
- 2021-10-23 [Two CEOs blaze separate trails to the top - Idaho Press](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPZGlFMVBfTGtFUS1wY1IwYUpPNTN0QUdJZ2VJa0drU0l3bWZmdHcyRFhvOWp4NXg3clRIY2gwbTQxbU56QVJLN1FyeGEzaTg3UEtFYWRtNUMzblNNVHFYS1FCZm5LWEJrRmMxd0ZPVVh5RDdndDM4WDVLaUYtTkt3dmtDZVF1Sm9uRzdKMFpoV3Rxa3pqT1RPaDBjZC02N2E3SldpR0J3RDJDdElYMzRaOGhjSm14Mmd2UzVaeGlVWDk5WGRZb1hENDFzMkFFWXB0N2c?oc=5) · Idaho Press
- 2024-09-07 [You're Invited to Nampa's State of the City Address - myemail.constantcontact.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUmZwTjlxTGhpU2RIRm5FOTdmclRoUGVpQ251Vlc4NDM5aGktcS0tU0dvbS1nZEdFWnpUTTRRTFpHODFFSU9zZkJTRmpEZDNOOTh4OVlDdktLcFlZOXFOTG1RdDZ2N2gxTXYwQzRwZms0a2dnSkF1TGlQUlB6MGVXb1JzaU1qeFA5dWI0?oc=5) · myemail.constantcontact.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68295 (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/7.json (key "68295", 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=68295
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide