# LOWER VALLEY
Sunnyside, WA · NCUA charter 68304 · asset band $100-200M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/lower-valley-68304

Who the members are: state charter, organized 1958, low-income designated. 18,679 members of 188,306 potential (9.9% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $128.4M |
| Members | 18,679 (-0.5% YoY) |
| Full-time staff | 48 |
| Net worth | $9.8M |
| Net worth ratio | 7.6% (p12 of band) |
| ROA (annualized) | 0.82% (p82 of band) |
| Total delinquency | 0.35% (p41 of band) |
| Net charge-offs (annualized) | 1.71% (p99 of band) |
| Loans / shares | 90% (p96 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.68% (p100 of band) |
| Operating expense / assets | 5.83% (p99 of band) |
| Vehicles % of loans | 79% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 185% (p84 of band) |
| Vehicle delinquency | 0.22% (p34 of band) |
| Vehicle NCO | 2.36% (p98 of band) |
| Repossessed % of vehicle book | 0.11% (p84 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 32% |
| Average share balance | $4,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,252 |
| Loans granted, annualized | $39.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | expense trap, charge-offs p90, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | delinquency 2x band |  |
| 2017-06 | 6 | delinquency rising | charge-offs p90 |
| 2017-09 | 7 | charge-offs p90 |  |
| 2017-12 | 6 |  | charge-offs p90 |
| 2018-03 | 6 |  |  |
| 2018-06 | 6 | net worth falling, margin squeeze | expense trap, delinquency rising |
| 2018-09 | 6 | charge-offs p90 | net worth falling |
| 2018-12 | 9 | thin capital, capital below 7%, losing money, expense trap | repo signal, delinquency 2x band |
| 2019-03 | 8 | delinquency 2x band, repo signal | margin squeeze, charge-offs p90, losing money |
| 2019-06 | 11 | losing money, charge-offs p90, assets shrinking, members leaving | delinquency 2x band |
| 2019-09 | 11 | loan book shrinking | losing money |
| 2019-12 | 9 |  | repo signal, loan book shrinking |
| 2020-03 | 9 | margin squeeze, repo signal | assets shrinking, members leaving |
| 2020-06 | 10 | losing money, assets shrinking, members leaving | margin squeeze, repo signal |
| 2020-09 | 6 |  | capital below 7%, losing money, members leaving |
| 2020-12 | 6 |  |  |

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

- 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
- 2020-06-26 [Obituary for Phillip "Phil" B. Robillard - funeralhomesmith.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE8za0R4dWNHanM1bFMxSE9BOXdMaUVaSHBKcGtDVEN6dGRLYUdCYThuemNpR0ZRRzN2Mm0xdTlDU01HY2RleVY0WlVUYjF0TFUxbDJRSVdLc0d4bU5fai1uUC1NcUp2VmFKVVNPNER0Wks?oc=5) · funeralhomesmith.com
- 2024-01-09 [‘Replay the dream’: Yakima Valley to give back, celebrate MLK Jr. this week - applevalleynewsnow.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQNnVMYWZHOWdwdnYwQV9ZUHFucDFSQ2pvRW1DTFZrZDJIT29sVERJQVdzTFl2Q1BwVk5EamZuUkM1cmNlYzZZMnFRNDVXT3JjWnNaanBYLUtwU0k0RURiN1RVdV9lQ3QxcU96eTRSZlpGQWp0MEppNFdBUGxnenR5MV9xMjAtWXBDbjhLRmpRd3BlTUNEbFcweFFxcmR0UTFhR1dmLUwyTmdmaHVhMkpsMUZYbXJsZktWaGVmd2YzZzYwVmZsN2czOXB2UkZCbWNhN1JFclE3SWcxUFhFR1BGY0o4b2JtdUFvUmJNTXBObFNaZw?oc=5) · applevalleynewsnow.com
- 2025-03-13 [Building Permits – March 2025 - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxONkFpQXM0VmpXby05TzRrT1VWNjRWYXFHWTg3dDBuaEw0NzRfYlNFNEY1TE8yOTVyZUd5Vm5xZjZjcjNpbjdzbDhSSHl1OERpN0hsNWpvY2U5N2JoaGtmd0VkR1Z6VkNKd2RsbTFSMk5CcG81RnM3VmlLREpfalZ2dXcyTVRvdw?oc=5) · Tri-Cities Area Journal of Business
- 2022-12-10 [Union opens new East Wenatchee training site for electrical workers - The Wenatchee World](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOZHB3aERrWndueHFRSThkZWxJSDRRNG5fQVRySjZBMXpLcUo1cFV1VmNYeEx3TF9mRWoybEQzNXBWZHZzMDdYaEd0MTdlMUF4dFhQbktYUk9BR0U3cENBeUN6dDg1d0QtUS1yTVNoRUMxMEdPajRpSjlwcktRd2dIQWl5ODdjWkx0Q0Q3akxva2Rac25vS3llNm9taEhkeWdtQVhYQVkwZ1NZNjJ2bkY1bHFkcHdGX3duYXVRQkotTldUYW8zWFpwRGc3RjBpeEs5cURlTzJNcWxsdVNJYjlzb3ZfRU04LXpM?oc=5) · The Wenatchee World
- 2023-07-26 [Robert Rollinger Obituary - Yakima, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOb1VFRXJHbGNmdTNwRU8zU0RFNFZMMTFRVldhcEZHMGpEdVVUYi1NUTBBblZ1TnBsWjFYVThUVnFqTkxjdVNXZFIwTFpBVEUzQ29lMnJDdXFkVDQ3ZE1FRWw4bmRZeGtZUk9WbWpwWE1XMnBVeVdMZUl1TTZaMFNoa0JHWGc?oc=5) · Dignity Memorial
- 2014-03-03 [Trailblazer Award Reception Photos - CUTimes](https://news.google.com/rss/articles/CBMiekFVX3lxTFBwV2xZWFpOcDcwNlgxSjJBem1fdy0zWi0tM3JidnRnRXVMekJVZlUzLWFmYnAtTElhem1BNlFyYlVYRjNEZm1IQnJGSmFocmMzaEU0cXNlNjRJMWp3enRFVjdlRVBVZmtfbTBnR2R4M1ZWVUNaOW5ueGdR?oc=5) · CUTimes
- 2019-06-26 [Clarence Joseph Rollinger - 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=68304 (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/16.json (key "68304", 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=68304
- 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