# SEG
LAUREL, MT · NCUA charter 7405 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/seg-7405

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 1,992 members of 6,000 potential (33.2% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $25.5M |
| Members | 1,992 (2.3% YoY) |
| Full-time staff | 4 |
| Net worth | $3.2M |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | 1.39% (p83 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | -0.01% (p19 of band) |
| Loans / shares | 79% (p81 of band) |
| Cash / assets | 29.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p47 of band) |
| Operating expense / assets | 3.43% (p44 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.35% (p46 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 34% |
| Average share balance | $7,429 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $18,226 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 6 | net worth falling, losing money, delinquency rising, members leaving |  |
| 2017-06 | 5 |  | net worth falling |
| 2017-09 | 4 |  | delinquency rising |
| 2017-12 | 3 | repo signal | delinquency 2x band, members leaving |
| 2018-03 | 3 | net worth falling | losing money |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 |  | repo signal |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 | net worth falling | margin squeeze, delinquency rising |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 1 |  | net worth falling, losing money |
| 2022-09 | 2 | members leaving |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 | assets shrinking | members leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 1 |  | delinquency rising, assets shrinking |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2022-08-22 [Danielle Kopp named President/CEO of SEG Credit Union - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxNVWJBX3BTSTB6MWdfeXVPOUZmY0tYaVRHMnJYWWgzUk9rbnAtbHcxTkllQWFMMEtwdEZZeUVMNlRiTF8ycl9FLXhnTE9EbGUyZTBBSW9jcjU4bmhYb2FmaG9fLUlHcVpVWHhNaHZfUnQ4ZzNqb2pVcHYzXzF4aFlleXdPV0lJWVVpQUw0TVdZRWZ4aEd0RV9Mczhn?oc=5) · CUInsight
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Montana - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ2J0bjZCNmZSb1haRXJuaHlrUC02RzNhNF9ZVTZrVTcyTGVMcWRxOHJxdXdNN1VtUG5yYW9sV3dRVEY5VXo5eWxXLW16VnNrcnljZ1VIRG8tblgxSTRvQTh2V2FUN1ZyRWpUZkdKdnR1LVRTUmp6OUE4VFhrbVZpeW5lclZIYWRvR0lBakR3?oc=5) · Newsweek Rankings
- 2019-06-04 [Recognizing achievements: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSUFJN2dpelFTVDN1V1ZtTUNXQ2VNXzZUUXNTWTNFR1FKSW5FZ1ZxOS00cmo4bmkzQWRjbUgtM1BxNTZyaW9oaTVnYUNXZ0FETkp6YlhzTXI0V0Vrb0NLU3NKRHlVMmlKOUN5OTZqcTZURk51OGtNR184b3hZb0wxc2dvXzMweV9PSDJrczE0V2xXUkt1SlFUNTZaZlNyRV9z?oc=5) · American Banker
- 2023-10-24 [Utah Jazz Expand Broadcast Territory to Reach 3M+ Additional Fans Across Idaho, Oregon, Montana, Washington, and Wyoming - NBA.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPRkFCM0E1Ym5aTkZyWFZYb1FZRWZtS1Zac1hwbUE0Vi1pbUNRSktRRGcyUXBjb0pMck9lMS1DM09mZGN4eHFVYjhsOWN2QWl3dXdhd2FYb0NWdklKdzN6cjJFa3M0SVlEc2p0OE5mOVFXR1h6ZWV3cFo0QjE1MTUyblRUS01sVmRTcXFrZWhRZHZnQ00xcW1DMDN6cG1kUWFTZFMyQzlIb1VyZGtRY2pUQTNIVnR5WkNOMkxTV0pqWFVSaWtGRENMUExzeVRzRGVLVnMtMWF5RlFiQXlCNlE?oc=5) · NBA.com
- 2015-02-11 [VITA Combating Identity Theft During Tax Season - NonStop Local Billings](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQUDl2SXZKRnBDRnBWc3lxa0JSeldtMTNkbTl4Vzc3Y2VhUjV6M09HTF9fMmcwc1ViNG02YTNNM3NuSEhkN2tCNjBaNTZvbFNwNVBVLUdKeEQxTl9PY0hIRUt5V0JnLXA1aFZTTWhHS1dzY09jTjN1a01kX3BiT1Y0QXZOalE5eVpER2ZsQjFzVHR1eThuSFBFSDZ2UmZOTkt2Q1lXT21HdHJhMkJmWDhScW5memJnMTBlWjV4bUx4OThtdw?oc=5) · NonStop Local Billings
- 2025-01-10 [Ellen Wood Obituary (1937 - 2025) - Billings, MT - Sidney Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNHRRX1c0Y19NekJKR1NaRU8yazBGYnJsUDh3UU1aYUlYTzNsODRXX2RIRzlQaTk0RTY1OEJsV3Bqb3hvZlpvQ2JOQ0lLZzRiaDRUd2NZV29ja3duOGp3RE51T0NNYzNLaHFpdWtaTXBGUGJwcHpDTzQyZFM4dlNCQkp1bnZ2VGdZZHl3X0FWYw?oc=5) · legacy.com
- 2016-11-04 [Phillip Garnett Obituary (2016) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOcmRhY3lPTnE4a0JUek9aamxzYTU5OWprRzhxbXBOeWZ4SmkzZFBqcU12dTBlVlJkUmRaRmlCaG5IYmpiOXhiVGtsSkxleHZZNm96bUIwTTkzemg2MEctTlRSam94Y0ZtblhZMk5RQk9CUmcxN0t5LTZGRy12ZGMyUGdzZ1ZERTdmZTA3Ujd1a2RCV2h4S05law?oc=5) · legacy.com
- 2010-03-25 [Jeremiah Krum Obituary (2010) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUXB6ZDJVTHozUGlOemo0UTJFMU5yQVlBdEtJUVJHdDlqN3dYX2RCM0I5b3V0OXFxamRGMGdLR2xrV2s1VnZYeEtyODJRUXdnVzJLdjk3YzhPc0Q1V3M2NEhVVnMyanFVd2NuMnJsOTJwMGprU3VaM3NYenhrWHJYQ2dCZXNoMm12a2tzTmt1SFhLRVAyR2JF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7405 (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/45.json (key "7405", 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=7405
- 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