# GREAT BASIN
Reno, NV · NCUA charter 7063 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/great-basin-7063

Who the members are: federal charter, community charter, organized 1951. 28,511 members of 1,010,285 potential (2.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $368.0M |
| Members | 28,511 (8.6% YoY) |
| Full-time staff | 62 |
| Net worth | $39.0M |
| Net worth ratio | 10.6% (p40 of band) |
| ROA (annualized) | 0.70% (p51 of band) |
| Total delinquency | 1.27% (p88 of band) |
| Net charge-offs (annualized) | 1.45% (p97 of band) |
| Loans / shares | 77% (p56 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p86 of band) |
| Operating expense / assets | 3.23% (p31 of band) |
| Vehicles % of loans | 67% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 360% (p96 of band) |
| Vehicle delinquency | 1.24% (p82 of band) |
| Vehicle NCO | 2.00% (p91 of band) |
| Repossessed % of vehicle book | 0.12% (p76 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 22% |
| Average share balance | $6,758 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.7M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,759 |
| Loans granted, annualized | $107.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $10.7M outstanding purchased (27.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-07-13 [Great Basin Federal Credit Union Pack Provisions Drive - University of Nevada, Reno](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSzd0elhEei1QYUo0RnNEbWwzcVcxbi1SQl9BeC1xY0dnNUFXa3JPczQ3Z1BINHpyMlN6UExnMkg5OHF3bkZacDVwSGtEMjVGaVhlcGRKYmJjRkxSY0RGNjBDLU1VVGEzTDZpb1JpVVlFYTBDZmdmOWs4TjBTY0hDU2JCWjJiWEN5MHhUYnlFYnlyY25yNEE?oc=5) · University of Nevada, Reno
- 2025-10-21 [Great Basin FCU opens in Reno’s North Valleys - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdW5IXzQ4N0MxbzJPLVVLeXFMa2VvaUlMSlRqb1FNLXUzZnA4ekNWc3V2REE1UzBMU0hWV2hGemQ4czVDbEkwOEpWdFMtdGY4RDlWRnRka1JDS045cVRSZjROVXJNcE1xSFZCdDJzNmpmanJxQUduZjc0V2dWR3g4R2t1TEQtWWY5aEQ0?oc=5) · Northern Nevada Business Weekly
- 2026-07-09 [Nevada INBRE Tribal Academy Supports Graduate Alexandria Sanchez - University of Nevada, Reno](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ZNG9kZ0l2czlpZlBncHpaLWNZdWlzWWVzNXJpUTBVaWUyM0V1U3JlYzdZUDJobmlkR0RPWktndGh3ZVM1VS12SHVpVllsZEoxSWs4UnVaMWJqZkxVc3ZJdVl1cGloR0dlZ19DRXh4RXE0NlV1?oc=5) · University of Nevada, Reno
- 2026-02-24 [Girls on the Run Sierras makes final call for community shoe drive to support local girls - KOLO | 8 News Now](https://news.google.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?oc=5) · KOLO | 8 News Now
- 2019-09-24 [Great Basin Federal Credit Union hosts 'Let's Talk Debt' - KRXI2](https://news.google.com/rss/articles/CBMikgFBVV95cUxObEJzOWtjX19BQjlYOUFoQlFQNDY1ODBQYmt5ZzBkNUlkZzljMFJOYnFNZ0lLSjlXUWxqWEZMX1M0a2EtU2RDX1p0SXRLYzRTU2pZcW5LczhpQlZYQzNUNzZBMFRrX1Vub2VaUUdFWTNPSld5Qk82YkhpRExUVng2eTRGTm91amotX0FoZDA1SDhEdw?oc=5) · KRXI2
- 2017-06-09 [Jennifer Denoo replacing retiring Dennis Flanagan as president of Great Basin Federal Credit Union - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZzBHSDFCNks0amNZMGZVcW81QVl5OEY4cUJBbm5Bc2NiSFZkc0RVNjVONjFsVHVqVUJFRkxLeUtvRlQyUEtmZmtzUlJ0LVFWd1dPdVlRRTR2SzhqVTFNSHZqY2ZDRm9OTmsxX052WFdIT0NIdTYyTUZQcFVpT1ZGMmlwMV80MTYwUDV1NDRGbzFmb00?oc=5) · Northern Nevada Business Weekly
- 2026-07-14 [‘A whole new light’: Lehman Caves tours reopen at Nevada’s national park - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxNOVhSYjhqc3VKX2xySjlvWldiRmlzMTNEdU5TajR6LTFZSU02UlhrRXlnSXdKTktwOTJWTTVKbWtLbUxCdnVOaGdHdm9DSDh6Y1JSUEZIUjFjQ0taT2FTcHZjTGEzWFlfbFROX19NdmcxVlZKWm5acU91b3ZJdkExZjIwU3pCUHVWMl90RVh0dUUzdF9WMGtxMUpMa1dxaDh1eHNZNVRyTXJnaHRMX0RJS1FnLUpWRE0?oc=5) · Las Vegas Review-Journal
- 2025-05-20 [2025 Churchill County High School scholarships - Nevada Appeal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNnc4U1A3Q19nVjZsNGhvOVpsbU0wMnJIZXJKT3ZzM2cxWGlWWXlnOGZORzhrOHQzaXJwSnZGa1cyM3I1eGdrcW5aZWZ5a3FzTzVzbExLM3J0alk3WlR5RG5weGMxdkZ1b0F6dkp0TWJPV0huQkw4Tk54cTgtR0RadGtlNlJTOUdheXVCMU40SEhEay02STVEZA?oc=5) · Nevada Appeal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7063 (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/23.json (key "7063", 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=7063
- 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