# CHENEY
CHENEY, WA · NCUA charter 7101 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cheney-7101

Who the members are: federal charter, community charter, organized 1951, low-income designated. 6,438 members of 44,319 potential (14.5% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *ordinary*. 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 | $148.7M |
| Members | 6,438 (1.0% YoY) |
| Full-time staff | 18 |
| Net worth | $14.6M |
| Net worth ratio | 9.8% (p25 of band) |
| ROA (annualized) | 0.64% (p46 of band) |
| Total delinquency | 0.90% (p69 of band) |
| Net charge-offs (annualized) | 0.15% (p26 of band) |
| Loans / shares | 58% (p29 of band) |
| Cash / assets | 4.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.62% (p6 of band) |
| Operating expense / assets | 2.31% (p9 of band) |
| Vehicles % of loans | 24% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 71% (p63 of band) |
| Vehicle delinquency | 0.80% (p63 of band) |
| Vehicle NCO | 0.59% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 26% |
| Average share balance | $9,354 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $20,150 |
| Loans granted, annualized | $10.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | net worth falling | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | thin capital |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | losing money, delinquency rising |  |
| 2023-06 | 3 | 3rd-party paper>100% NW | delinquency rising |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 2 |  | losing money |
| 2024-06 | 2 | assets shrinking | thin capital |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 1 |  | assets shrinking, net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-04-22 [Wenatchee Investment Firm, Founder Joel Frank Accused of $39M Securities Scheme, Ponzi-Like Payments - yoursourceone.com](https://news.google.com/rss/articles/CBMinAJBVV95cUxNOVZzMEFVWnZTRFJkS2EzY01XUXpRXzZSUzlqdG9aUG11M2RiTGVSbHp2YzZXRFlXcGFQel9EUGY5NmJMUm11RFk0U2ZKWEM4VXZYYVh0OEZfMDM3Q0tveUZyc0xhMVRqZF9La2tpUjZYdzljRjFMMG1aTVA1eGFMX1N2SDR4TUM0NlkyOEVMc3FSYlBzN3lEVUc0bGczVW9nNUZLdDRCM3YxNEZVMV9OTndWRkh6S0F6bDd3aDlIOXVoX09TcFBieFFmMGdpdEdWb2VSbmRuMkZHN0hENDhqcVNVejUwcjE1NXJCb0JYWnhKd0RYUFdwMnh5NXA3VXlEWUFGYkZMbVlQV0ozWDJHTUlYcmpsVnk4aFJTWg?oc=5) · yoursourceone.com
- 2026-01-10 [Eight Stops, One Point: Eagles Stun Griz in Cheney - Eastern Washington University Athletics](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZ3YwY1VadkFqWS1TaUt1Z2o2Wnd6QVNLNThGTEpzYVViVnV2bVdrWWNuOVFzc1hVWEhncHBuaUNqNWtRaGNURHhSR0I3WUJLXzhkTlh5X1BjYU85aW80NnkzV1R1dWJIR01CVFRQb0lobXVjWTIxRFo2SGlXd0lJVThSVUpKOEpNemRGU2pMYzRtUkNEb29BMzdsVVQtOW5Rb1Z0V3NR?oc=5) · Eastern Washington University Athletics
- 2024-12-19 [Parting Thoughts with JoAn Sanders, CEO, Cheney Federal Credit Union - Spokane Journal of Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxOX0pzR0tSdDI3VTRHWGtDYUFvSGRYX3c5WFJxWmhqYlc4OUF3QWluUE85UW0zaUgxZ0FUaWRSejVjYTFXbzJxLXl2SzM2cE1IdTZEWFFDQUx2dThWSU5rakdZbXZtLUlCMXBqeUJfTnZSSnlkYUY3MW5Rb0R3Sld2OEVOODBCWkJsRVE2QXp2OTduZ0xhZTFPbmRDbVFBS2V6WjhCS2tnYUtvOGVkM1Zn?oc=5) · Spokane Journal of Business
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2025-02-06 [Crosby now leading CFCU - Cheney Free Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxPN0VUcVFTYjlwUU01bGNZZ1IxWW13OFZxWU96aEdpOGdnb1owbVY4dEl0em1hNm16QjNyblhHYUZkUjU5QlVGYkh0ZUFJUkpVRk1HQy0tWFF4T0w1Z0kwM0FoSGpfRjNNU1dXdGdfYTJMTFdBMVR5TkhJMTF2czNNR0pHNXBGQWl2bWgxQzRsUm1udw?oc=5) · Cheney Free Press
- 2022-10-07 [SchoolsFirst Federal Credit Union Chief Executive Officer Bill Cheney Honored with Prestigious Herb Wegner Memorial Award by National Credit Union Foundation - Business Wire](https://news.google.com/rss/articles/CBMiugJBVV95cUxPcnFZXzlSYktDNVFKN0w0VjBNV0JQbXlxOUtuaElFWVVyc21FQ3l2S0hYTWZSVS1wT2VFLUpFcTYzdXBXeTJ6TUNfeUJTZlNKOFpFdERzLTdfNWphTlVSOG8yVkswYzJUemFrajlXWFpaSkVXQzhjRGkzRzVzc1FER0VsQUQyQWtSUjB3cE9IaHNkemU3ejJYOWJTamN3eDI5S3RPd24wb1djc0h4TWg1bmdQdHlCa1VoLUg0LTVyWHNvcGZ5Y0JYWVZZTVlMWWVrVDlLNjJzRklLbXhOa1l3bmI4dWJuM3VhODBWU1lFU0pMU09lMWlyeDVvU2JwUzlXRDJPYVZXb3pwbGM0Zng4LW5hOHZpcHhaWlg0eXpOSjF5SW5wVHhDa1RmbTdqVU5Fd1E0ZllaZ2Z6QQ?oc=5) · Business Wire
- 2024-06-21 [SchoolsFirst, California’s biggest credit union, looks to next-generation growth - Orange County Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOFR6NVQtYVFJYVVESWw4b28yMjF4Z2pKWTBqLTlIWGRjb3dnQ0lkVldfV0ZtaGRmbml0QkZmSkVsRUE4bk9rb0NnUVZ6UUFZQ0o3S0ZLdllsa3JycVB0SlRKaElTQWtfWU50RGZPSG9fc2M4dl9jMVBCdDB6dE85bGRWUFNFek5aWG1ZRkZzUWc4ZENhMVNtaFpMM2Q5LUN1ZWN4cG9feDNRS2M0TVVyOUxDRHFRT0t6dHcwaGVRWXNkVGtJU3JHVkQyd3ZaRzlkRnhfajN3?oc=5) · Orange County Register
- 2026-02-27 [The Note - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMia0FVX3lxTE9kVF9hUkwxUVEwNVpYODVIZk1wV25LZ2x3TmhCWXNEMDJ4SmNoTU9EQUZiTmlkbi00ZkZ1VTE2YVM3eG1VcmVxdE12MlZMVnBSU3hwQjRENXJkR0xBUGJIRHFUWXlvdEdualc40gFwQVVfeXFMTnZ5NXo0MEZrM3ptei15ZmtSLVg4TFBnNGc2OU5sN3JGWlpMNnJkXzh3U3ZfZWxaeFBOM2t3TnhiLXJ3Z0doUDFsaGFZdFZYbFBHZkhlWEFhMWJ1Wk5Sdk5DWkdIRjVKMVdpR0hzUzdLeQ?oc=5) · ABC News - Breaking News, Latest News and Videos

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7101 (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/61.json (key "7101", 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=7101
- 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