# ROGUE
Medford, OR · NCUA charter 68660 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rogue-68660

Who the members are: state charter, organized 1956, low-income designated. 242,010 members of 5,780,868 potential (4.2% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $4.29B |
| Members | 242,010 (13.8% YoY) |
| Full-time staff | 699 |
| Net worth | $440.5M |
| Net worth ratio | 10.3% (p39 of band) |
| ROA (annualized) | 1.08% (p79 of band) |
| Total delinquency | 0.76% (p64 of band) |
| Net charge-offs (annualized) | 0.86% (p80 of band) |
| Loans / shares | 70% (p16 of band) |
| Cash / assets | 4.2% |
| Borrowings / assets | 4.22% |
| Net interest margin | 3.86% (p85 of band) |
| Operating expense / assets | 3.33% (p57 of band) |
| Vehicles % of loans | 40% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 199% (p67 of band) |
| Vehicle delinquency | 0.48% (p38 of band) |
| Vehicle NCO | 0.87% (p44 of band) |
| Repossessed % of vehicle book | 0.11% (p62 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 46% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 27% |
| Average share balance | $5,194 |
| Participations bought / yr | $74.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $208.5M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $16,721 |
| Loans granted, annualized | $1.07B |

## Participation posture (from the same filings)

Bought $74.4M and sold $0 in the latest annualized quarter; $208.5M outstanding purchased (47.3% of net worth), $29.9M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 14.0% year over year.

## Flags firing in the latest filing

- **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 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 1 |  | thin capital |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | leaning on borrowings |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | delinquency rising, leaning on borrowings |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling, delinquency rising |
| 2024-09 | 2 | leaning on borrowings |  |
| 2024-12 | 2 | delinquency rising | leaning on borrowings |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-04 [Rogue Credit Union donation supports Dolly Parton’s Imagination Library in Jackson County - Your Oregon News](https://news.google.com/rss/articles/CBMixgFBVV95cUxQRzdyZXpibUZadWFxUDNPeUh0UVFEUmFvVVFBV3BiNHo0WmxsXy1LOXphaTRhbzRXWXkxbHJYWmZvOEEzaXhra1FScmVzQm1jSlVvQ1dKV204RlFJTVloM1ZPS1owQy1fczdoLXF1dGJrWEpLOW5oMFZGVzV3dmMzZGRJRG9RR0k3RTRFdVZ1RTVsM2lnY0pJN2dmaVZzR0xrVzY3ZzR3Ri1zQjg1ZjZ1YXlzaHFqOUppVXRvelJQb0JnNnRoeXc?oc=5) · Your Oregon News
- 2026-09-04 [Rogue Credit Union donates $1.5K supporting Dolly Parton's Imagination Library - kdrv.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQeHZGck1HMUttRkVMZDN6YU14ZXVKX210QmZJVW1ja2djQUV4WktrOE00WkdRS19fa0drcVM5X0hpdThIZXhpVy1DU0t1elBKTG9mdkFmbnFOQXZtSkxiZ2NFRTgzRTlBVG1RME12VVFsalMzWXhQLWxKWWhlRklkcTNVRFV4Y2VuVkg4T051dDRrUHlvUm55S1N3Q3hqUUsyZ1JaZ2ZubktZamRXdS1IYWdWeGhhdC1BMkdhZnA3WVZYaEJOWE1lenE3VGM5RUVzcmFPdlZVbkJwczYxTkF5VDA0bXB4X0p3czJYeTZvaw?oc=5) · kdrv.com
- 2026-07-16 [Rogue Credit Union Expansion Into Coos Bay and Northern California - kobi5.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQNEpQVVo3LTBKNTJtN3pUWjJHNjZHOE1xeGMtbzJwSm1pd3pUd0VTYVNJNGk4dHlSOTdIbVRnLWNscEZTX0Jmbkh5NE5iZ3d0azlhbV9yaDNWa1pSSEJSX3Z4dHBiN3lsOF9EUWlYOHZyMVFfNG85Z052aGJISjE2bE9SRENzSU5CN0dOeE9DeU5MbjRyVVVVVTMzaGs0QQ?oc=5) · kobi5.com
- 2025-11-25 [Credit Unions Go Large and Go Rogue - The American Prospect](https://news.google.com/rss/articles/CBMickFVX3lxTE9ueUxKMk1XYzRMRW5YdVJLcnBHUGhDdFczbHBsQWZxS25IWHdCd1p0XzlkZ3M4SFlXZzEyVnRGN244eV9OTGx2cDdzc2pHdnUzYXBfVWc4Wm1QZnF3OWhyR0wwbzNub2JnTVRBQnJ0RVBJQQ?oc=5) · The American Prospect
- 2025-04-18 [Rogue Credit Union’s strong start to 2025 includes steady financial performance, community engagement and plans to expand - CUInsight](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQVkFrbkhWVkxKVXpCMm9WYUY3TUNwUm5HckU4dFpyRDlNZU90T2M2WGFkWjA5LTBydktPTlA3VURGazZxRVA5bDhxWXBzMW1hLUN2Z2JBWi15aFk4NDRkZU9OVlRqSnVOTlgwYnp3ZWU5YzNjMzhtcnhLeWV5a3NOYlltZHExb1NmMXo4MzRrV3k2WXpGUlhfa2p5SERNY09GZGJpcGZhMVZZZ2MzX2U0XzNKd1NFemhLNzI2eGlmczdybVIzWk9SemM2OHB0WFBsUktQQnN3NndMMVRFQWZ3RVljYWM1a0Z2dEQxN3ZXU2lwZw?oc=5) · CUInsight
- 2026-07-10 [New stage to open in Grants Pass, celebrating with a concert - kdrv.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNVXYyTjJmNmRzM19yMGJoUURMelU2QWplR1RXaDYya014MjdGR1ZjNkQ1Zk5vTnJmcVNOdmlMR3p0Z1Z5RGJYTld6SmRWaWVMNkh4SVRKVG5RMDJjSGZlUF9qeGd2UXFpYlp4bDdhOFcxT3ZJOGd5ejFvaEhWcVZqTzFEaUtWUklVS2RXaVBka1Z0djl5cF9iZW5XRkt4d2VObkxmVHVzX1g4bjAtYkVzNEtnWk83Q0VOZGNUQVg1d2ZJRGVMRTE4VldScmhyZWxkRVp4ckk1Yw?oc=5) · kdrv.com
- 2026-07-16 [Member 1st Credit Union - kobi5.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE05QkxISDNuVWRyb3FpUkl6VjBuY0c4VVhpRmxhdktPbHRIbzlTQm1kN3hlT1JLVG80R2ZVMXVsdk1CWWZiai12WGlOZy1sbHcyOXl5eVctLVdYdw?oc=5) · kobi5.com
- 2021-03-02 [Looking to wire directly to a crypto platform? Rogue Credit Union says it's too risky - KTVL](https://news.google.com/rss/articles/CBMisAFBVV95cUxQYkFWRWFXZkhwTTdGWnFXYUlCUDFwOXBBcnhOZThiZ3dCS3Z0XzBHY2d1YmYzR0ZBMVZEUEVQa0NybTBiS2d2RXVrTnpndnZMSjdYSUM1UnJLbFBfeDdmMVFiS2FOblVIa0tGclFVVVpPbHpyV2FjQkNsSmUyaGhvWjlneEtLMUlncFJndE94UTBzNmlUMkg4UkdEMTloLUVhM2JyRlNNbmpBdVR3ZWFJLQ?oc=5) · KTVL

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68660 (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/52.json (key "68660", 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=68660
- 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