# FRONTIER
Idaho Falls, ID · NCUA charter 68376 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/frontier-68376

Who the members are: state charter, organized 1935, low-income designated. 53,045 members of 1,500,000 potential (3.5% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 63.

**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 | $810.2M |
| Members | 53,045 (5.5% YoY) |
| Full-time staff | 212 |
| Net worth | $65.4M |
| Net worth ratio | 8.1% (p8 of band) |
| ROA (annualized) | 0.63% (p51 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | 0.79% (p78 of band) |
| Loans / shares | 91% (p82 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 6.05% |
| Net interest margin | 3.57% (p60 of band) |
| Operating expense / assets | 4.33% (p82 of band) |
| Vehicles % of loans | 40% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 431% (p98 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 1.39% (p72 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 151% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 23% |
| Average share balance | $6,377 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $18,870 |
| Loans granted, annualized | $325.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $9.0M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 13.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | auto monoline |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | delinquency rising, members leaving |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 2 |  | delinquency rising, members leaving, net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | auto monoline |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 4 | margin squeeze, delinquency rising |  |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, delinquency rising |  |
| 2022-06 | 3 | loans>95% of shares | thin capital, net worth falling |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 2 |  | delinquency rising, leaning on borrowings |
| 2023-03 | 3 | charge-offs p90 |  |
| 2023-06 | 4 | delinquency rising, leaning on borrowings | charge-offs p90 |
| 2023-09 | 3 |  | loans>95% of shares |
| 2023-12 | 6 | net worth falling, delinquency 2x band, loans>95% of shares |  |
| 2024-03 | 6 | thin capital | loans>95% of shares |
| 2024-06 | 1 |  | delinquency rising, leaning on borrowings, net worth falling, delinquency 2x band, thin capital |
| 2024-09 | 2 | leaning on borrowings |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 4 | thin capital, charge-offs p90 | leaning on borrowings |
| 2025-06 | 5 | leaning on borrowings |  |
| 2025-09 | 2 |  | net worth falling, charge-offs p90, leaning on borrowings |
| 2025-12 | 1 |  | thin capital |
| 2026-03 | 3 | thin capital, leaning on borrowings |  |

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

- 2026-07-27 [A unique timber-built headquarters is rising in Meridian - Idaho Press](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOcElOdjFjOFdsR1FRTUIzWVhweFRIcDZDdFYtZHJZSlphOEF6cmdnODVUdHpDT2dyblpHVFZTNWFIczYweFJIMnI4UUV2SWdNLXU3Vy1pejhUZ0FqcmR5NG1uaGNnU290WVVSUmtROGJrVm1fWmFRendVUEdhVkZjMmRkZUhmX3JCNldoNS01NlZ1MUxfeVJvSHNtNmVHN1JtVE1kd3pxVHBsUVNWX1VnaS1Pd0Y2aHZQVC1mVENkUml2b2xadHZ3ZHVtUUVGZ2c3azBzUTQtN09iSHc?oc=5) · Idaho Press
- 2026-07-17 [New frontiers: Credit union's $800,000 gift renames Blackfoot outreach center - Idaho State Journal](https://news.google.com/rss/articles/CBMigwJBVV95cUxQRThWdlJITTVzblNGbDkwQzJnN0xhTW5MSi1hUk9YYzFMendaQUhpT05jTmhMVjRlNndNSm9YUEF3WG9kWkFacFFtSmtPQXZkRUoyekxLOV9tVEQtN3R3dU9kclhUenJITU5aQV9NNzNjVHQtOXh0dElWWTN3LVVqZEZQWTlncE9fUEpGRFVPRFNoME81QTN2dTh2RXM0SS1Rc2VGOWV6Y1RFYUtUTTJhT2tTOHJ1MWlSV2pBU3l5NS1VMWhWQmotQ1pwT08wTEE2bG9iZnMwTjJHN3Zfc0xDQURYYnJ0LUZaQmtyY2J5TXI0STBxVWd6d1F1aG1nTXVnemx3?oc=5) · Idaho State Journal
- 2026-04-22 [Idaho Falls cuts ribbon on transformed Frontier Center for the Performing Arts - Post Register](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOdjduM1BZUW5CMXpSN01KclBCVGxYNDBjSXl1azYyczZWeXY1Tk1SQl9oMkdpbnRtWXBNeFlJUUhPaG5CY2p2VjJZN1FCd084cVc0M2pzN2tnWFBVaHk1OGYtdThSZ0VWcFJYeXVXX2ZadC1GVG5qSTJ1cnRTVnFDOTdEcU5yY3RsZVFfQ1FwbzB2anVQN0RURkIzSGtTeUVRNXE4NEdJdTVDZ2dvTExhRGo0WlVSZTk2NUdMbDJmemcydDV5SkhzYV9UWEtuaHl2S3B2dUE3Y0U2NFREZEYtWFN1Z051ZmpLd1ZCMlZHdHNaX1ItWGJBcEVIOXU?oc=5) · Post Register
- 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
- 2026-04-08 [East Idaho credit unions launch no down payment mortgage program - Local News 8](https://news.google.com/rss/articles/CBMipwFBVV95cUxPcGRNNnYwS0ZQQ2oyY0ZJU0VzSUQ2T09NZzZYcGVIZXdVMW5WRlFtc05Md0RrUWVfamlnMVdESlNoQXFRcm1ka2dLODU5TmpVUHotTm1kM1N5RG56OHlDVXhaQ0g3RW5yUFZqTjdQMndSZkVsejRiNjZoTWJ0a0pOd3NqQVVvSWVpZHJKNHQyTThDWlo5RGRmbUl4d3JKRE5yem9UZzhVcw?oc=5) · Local News 8
- 2026-08-14 [CEI Opens Future Tech Building | News - KPVI](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSEN0LXR5eGw4X3ZXOVRMZ29PRHFpTVk2TVlTOWtCbmZaSld2bE42YnVjc0phT1pEQmEyTjk4aXp0dmNxRTFNWkVDZUJ1WmczX291UTNCOU1iSVVtdm4zTkJLNlllVXBJOFRFR3dZLXU3OWV2dThuY296dWoyMkI2UGxmX3hISGJjVnRkakVDZWFrUlJIRjdJTkxvYzZoZUNkNkJLXzZybkdNUQ?oc=5) · KPVI
- 2026-08-13 [Built for the future: Inside CEI's new $52 million hub for East Idaho's next workforce - Post Register](https://news.google.com/rss/articles/CBMiggJBVV95cUxOc19KYmFabnlnWDRaQWtWTjlBaFdnalRGWFlQdWFsRld3Sl96RTBPdG1OV0l0MzBVbDI5QVhkOWVJakY1MWdZTmZFTWg1c2FmTmdxUWU4QUNxZDlxdHpqZ0xTaUJ3OWE2clF6eXpYbFozbmZUZXV3cHdETXRKdTJuTU1UT19FZ1NzWTdZbi1UNzEya1dGUlNmXzgzalAyZ1pBRmdDdjFlYlRZRHk3T0M3ekRzTTVjX1B3YnVrTG5wODBsbElKemZTbHZ2MlZZaDFQLVA4RmFRSS03UG9CNmgyU3FBZXRPRmVrQnFYTVZBSE00eE9xTmpybzRTbUNlV1BVd0E?oc=5) · Post Register
- 2026-03-07 [Community rallies around local family weeks after blaze destroys business - eastidahonews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeElzMTFlZVdBOVgzNURETTFJTWZzM3hDcHZNTC00UUxWWmRsV2xfdGZxMFB4eGduTFVDNlM2WFFXY0ZVZlpxbUpVX3kwMzY1VzhWaWZUM3hocGw0LTRvNkJXSml3ZzJaMWlxZGJYSGtTZm5TZkFEWi1iSWZyRjNTbWVzZkZTWExBOGhnM1p1S0pKY2tZemZTV3lQNTZkS0JUSVF5anFXYUJFcVd0dmU3X0Rn?oc=5) · eastidahonews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68376 (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/24.json (key "68376", 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=68376
- 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