# MT. RAINIER
Puyallup, WA · NCUA charter 68747 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mt-rainier-68747

Who the members are: state charter, organized 1967, low-income designated. 1,146 members of 122,806 potential (0.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 643.

**Verdict on the desk:** this could be *auto monoline*. 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 | $26.9M |
| Members | 1,146 (– YoY) |
| Full-time staff | 3 |
| Net worth | $3.5M |
| Net worth ratio | 13.1% (p38 of band) |
| ROA (annualized) | 0.03% (p25 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | 0.07% (p56 of band) |
| Loans / shares | 29% (p12 of band) |
| Cash / assets | 60.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p23 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 64% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 84% (p96 of band) |
| Vehicle delinquency | 0.11% (p37 of band) |
| Vehicle NCO | 0.16% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 15% |
| Average share balance | $11,950 |
| Participations bought / yr | $9.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 643% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $914 |
| Loans granted, annualized | $1.6M |

## Participation posture (from the same filings)

Bought $9.5M and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (83.8% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares – year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-12 | 1 | auto monoline |  |
| 2026-03 | 1 |  |  |

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

- 2016-01-10 [S. Rouillard Obituary (1937 - 2015) - Olympia, WA - The Olympian - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTUhjeS16cHQ4NTRaUFFjVGhueGptNGxTaVVnNlAyalUtRVJ2eWwtcGk3bUlZcWptQjJrZU1lZElGMG91ZGhSMFk4RUgxQ2hibmhUcGVSYW14YzJSZHo0M3NtYm9BSVIyVzl1NFlzWDBuRkM3amk3M0M4bzlHOGxlV3lwTUkxbWJ1TUstWHNLdw?oc=5) · legacy.com
- 2016-06-22 [WILLIAM MUSSER Obituary (1941 - 2016) - TACOMA, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPU0VhcXp2UTg2TDNBY1lJNDRoTGJoMFZvOXEtMmxmMm41bEdGSndzUUdfMTdGZmM3R3Z2VlU3NHZaa04wNnl6UWxxcnpuMHg5djNod1FyOTRKa3NhOFBwNG1oUUxuT1lBQkI1MVVYdElFcnpXQ3ZQalR1UEROUldpengwOURjZm9kU3FYcTVn?oc=5) · legacy.com
- 2012-12-02 [ALICE PENDLE Obituary (2012) - Tacoma, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQXNEZTNmYVNfM0xiTlA5M3ZSek8zY1hRdnZkQ1FJaFl5a1JGaGdXZ1RDOGtjLU5aN1RPUnJPUHR5a040Qm56eFJ4Wi11em9WLXVhTVc0QmlxNGZzSXhEODl5bEJVQjlaRTRkWGFtQVRpQ2cwdmZlVWxGZk9fTGpMaVJUSWZsa0JGTDRF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68747 (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/11.json (key "68747", 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=68747
- 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