# STAGEPOINT
Laramie, WY · NCUA charter 687 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/stagepoint-687

Who the members are: federal charter, community charter, organized 1935, low-income designated. 8,930 members of 951,119 potential (0.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $128.9M |
| Members | 8,930 (-4.0% YoY) |
| Full-time staff | 30 |
| Net worth | $11.0M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | 0.80% (p56 of band) |
| Total delinquency | 0.40% (p33 of band) |
| Net charge-offs (annualized) | 0.90% (p87 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.74% (p92 of band) |
| Operating expense / assets | 4.49% (p78 of band) |
| Vehicles % of loans | 54% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 418% (p98 of band) |
| Vehicle delinquency | 0.19% (p20 of band) |
| Vehicle NCO | 1.92% (p90 of band) |
| Repossessed % of vehicle book | 0.33% (p91 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 31% |
| Average share balance | $7,728 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $23,552 |
| Loans granted, annualized | $34.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, repo signal, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 | net worth falling | repo signal, loans>95% of shares |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 3 |  | losing money, net worth falling |
| 2017-06 | 4 | thin capital, loans>95% of shares | repo signal |
| 2017-09 | 6 | net worth falling, members leaving |  |
| 2017-12 | 3 |  | loans>95% of shares, net worth falling, members leaving |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | loans>95% of shares |  |
| 2018-09 | 3 |  | loans>95% of shares |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2019-12 | 2 |  | thin capital |
| 2020-03 | 4 | thin capital, delinquency rising |  |
| 2020-06 | 5 | net worth falling, losing money | delinquency rising |
| 2020-09 | 3 |  | auto monoline, losing money |
| 2020-12 | 3 | margin squeeze | net worth falling |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 5 | delinquency rising, repo signal, auto monoline |  |
| 2022-03 | 3 |  | delinquency rising, repo signal |
| 2022-06 | 2 |  | auto monoline |
| 2022-09 | 5 | delinquency rising, repo signal, members leaving |  |
| 2022-12 | 6 | loans>95% of shares |  |
| 2023-03 | 9 | net worth falling, losing money, delinquency 2x band, charge-offs p90 | repo signal |
| 2023-06 | 6 |  | net worth falling, losing money, delinquency 2x band |
| 2023-09 | 5 | repo signal | thin capital, delinquency rising |
| 2023-12 | 5 | thin capital | loans>95% of shares |
| 2024-03 | 6 | net worth falling, losing money | charge-offs p90 |
| 2024-06 | 3 | loans>95% of shares | repo signal, thin capital, net worth falling, losing money |
| 2024-09 | 3 | thin capital | loans>95% of shares |
| 2024-12 | 5 | net worth falling, charge-offs p90, repo signal | members leaving |
| 2025-03 | 4 |  | net worth falling |
| 2025-06 | 3 |  | repo signal |
| 2025-09 | 4 | repo signal |  |
| 2025-12 | 3 |  | repo signal |
| 2026-03 | 3 | members leaving | charge-offs p90 |

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

- 2021-04-05 [Laramie Plains looks to the future with a new name: StagePoint Federal Credit Union - WyomingNews.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxOY1dadV83cEtlclpTTEpXUFZKVXF5Qk9kWlRXcGYxN2otVjZrdExvWVo3Rl80NktwN1hacEQ1cjhDbDlEVVJLNDMySm84MExhNzU3T1Y3U2NfaWhKeVgwRkVIQktPTUVDTFUtdUlkOUlxSktqMDQtTjFrOHlHN3ZjUFFmMTFEa2o3SW1sOUpBU2RrZDdMclg3UTg1SzgtS21qLTZHRml3SWtGdkVXelJlQTFhMk1qT2ZfcG9TZjFQYWVzaElJVjl2OTRMLUY1Q2YwY3h4Vm9LeE9xZXhlWEI4Z3J1WElkNS1YX0NncFIzRGRCOS1PcGZXdVoxNWhWcWFOcjNKakg5bWpRX0lwOVE?oc=5) · WyomingNews.com
- 2024-08-14 [Casper’s WyoCentral Federal Credit Union to merge with Laramie-based StagePoint - Oil City News](https://news.google.com/rss/articles/CBMiygFBVV95cUxQbE5lLUJuREtQSHRyeFFQZUZXbkhBemc1azVPOTZuUUVCVnFwQ2c2a2ZJQ2h6WDBjcEI3dGhscm9RaklSQmZ5MXZIbGx0Y0VWaDVOLWk4NVFJbTlYcFNrd0pXZkJHZXFvOVNSYi1Lank2RE5GbV9Ib1lMLU9RWW9hX2ktclBPdVNxclJwVTMycmJjLUVFc0VRQjFMemkyenNwNlJBcGJDNk5OQXZ5UTBzX0RMQjd1TFFabjZkZEtPYk1FMm9nd1Z4WERR?oc=5) · Oil City News
- 2023-11-27 [StagePoint Federal Credit Union Review - The College Investor](https://news.google.com/rss/articles/CBMiggFBVV95cUxQR21SaHp3QmJ2MTR6Um1EaXZESDM5UGFWbVBENkVMLWVTa2FWNUpJQjgxUnh6RnplNGpFYjM3WTM1NWhQdUhneUQ5dzg4YnpwVnRub3RiMVd3M0Y3QXB5RWtWRkRvN1JRSS1scmNFdTB3bXJ4Z2lJNnhRdllXekNxTW53?oc=5) · The College Investor
- 2024-08-14 [Casper pursuing grant to fund full Outer Drive pathway project - K2 Radio](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdV9qN1p1aTFSYkxXM09pY3RaeXRXUFVGZWQwRlZ6eWFWcFZMcVpieXlTOXpzeUd6V1h0U1lwLTZvZVhJYTBVM2lZRGUtUHZiaVVNeEZhNGtaUUxENHVMUE5nWWlibUROcVh1Ykp6c2RFRzhKT2c3OTE5c1REd0FrVllnNWRXX3dFbkRB?oc=5) · K2 Radio
- 2025-04-09 [James Johnson Obituary (2025) - Laramie, WY - Laramie Boomerang - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOYXhZYnJYVXlTYW5CQkd3UUM3cW5JY1ROaDFCOXFERFNqajBLVUp5YmpLNGlxQ2tqaW9tVm5iM215TEtNcGhVZXBKQzZaRW1GRlJac1RtNjFFWll3TmlhY1NnQUtER0R4UDRSaEl1Vm40MTMwbTd2c0hweXBkNklDZ2Jrc0J2SGVBbWFURlA1SjlyVEFLTlcySA?oc=5) · legacy.com
- 2024-05-04 [Jesse Spann Obituary (2024) - Rock Springs, WY - Rocket Miner - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxON0VLMmhLa0JqXzNWTVN6RGNqblRWZWFHZ2I1bFEyTXhTUlNQa3FHS0RUbVVNTnN3YlNrZFBJOGVva2l5SUZpQkJNZ0I4dWhwOEFPbDNpNGNpajFiZ3F1dFNrTlBsMWNxWk04UmdlamgwLTNNZEMyc1laalJ6eWFIOWVsN18xb1RodEdsTkVXWQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=687 (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/47.json (key "687", 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=687
- 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