# RIDGELINE
SALT LAKE CITY, UT · NCUA charter 7546 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ridgeline-7546

Who the members are: federal charter, community charter, organized 1951, low-income designated. 1,495 members of 199,723 potential (0.8% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. 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 | $27.0M |
| Members | 1,495 (-3.7% YoY) |
| Full-time staff | 4 |
| Net worth | $2.6M |
| Net worth ratio | 9.5% (p13 of band) |
| ROA (annualized) | -0.28% (p19 of band) |
| Total delinquency | 0.29% (p36 of band) |
| Net charge-offs (annualized) | -0.07% (p13 of band) |
| Loans / shares | 50% (p39 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p9 of band) |
| Operating expense / assets | 2.81% (p27 of band) |
| Vehicles % of loans | 34% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 29% (p92 of band) |
| Vehicle delinquency | 0.85% (p61 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 37% |
| Average share balance | $7,572 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 99% |
| Average loan balance | $17,345 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | delinquency rising, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 2 | net worth falling, delinquency rising |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 2 | delinquency rising, repo signal |  |
| 2022-03 | 4 | thin capital, net worth falling |  |
| 2022-06 | 1 |  | delinquency rising, repo signal, net worth falling |
| 2022-09 | 1 | delinquency rising | thin capital |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | losing money |  |
| 2024-03 | 1 | net worth falling | assets shrinking, delinquency rising, losing money |
| 2024-06 | 2 | thin capital |  |
| 2024-09 | 0 |  | net worth falling, thin capital |
| 2024-12 | 2 | delinquency rising, members leaving |  |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 4 | assets shrinking |  |
| 2025-09 | 4 | loan book shrinking | losing money |
| 2025-12 | 5 | net worth falling, losing money | assets shrinking |
| 2026-03 | 3 |  | delinquency rising, loan book shrinking |

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

- 2026-03-16 [WATCH - KSL Sports](https://news.google.com/rss/articles/CBMiygFBVV95cUxNYjZDQ0RyN3hLdlZYeWRLcHpHdEtyQzRDYlU5dGtsdUpjb0loWlU3RTIwSzdCMmNrbjZfWFY3LVlHREZZbFNKVmJEa0s0TEptc1pSaE1qTlkzMHNiX1ZxQm5Sa3dnOUlsaFdoNFZZRlFXVTFweXdFQ3pfci1oRGtrd042REZ4cXNuY2F2aDJzdFl4M3NwU1ZCNGdFYUpSTjZNQUt3dlNNQ3hYRmFldVFYTGpfWHI3NWxlRW52UW1wT0hsV2ZjMm5Jc2pB?oc=5) · KSL Sports
- 2026-03-15 [WATCH - KSL Sports](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOSVRkNk1VOS1PNkgtTzZ6VWJGaGF0S0dGZGIxX3k5U0plc01na1ZVZ3U5ZDVzUFctZGQyT0JIUHU5U0VyTlpXcFdCNnV0ZjdZTUREMFRHbDN4N1VnT1p4eU9mRkhTQWFySU05aWlITVdGemxYMGhFTzlEX2ZHNXJMUE5tTGJsdlk1eDNBc3RsUkdYZ09ndU05N0lLNlZ3c0FPQXBtQXhhWE1pUGRDbUJhM3BEcml6WnE5V1BmalJmVW1iLXRRN2k5Sg?oc=5) · KSL Sports
- 2024-01-08 [Violet "Georgine" Champlin Parmeter Obituary Jan 8, 2024 - Russon Mortuary & Crematory - Russon Brothers](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1jeHZ4QzNCaTY3SVNleXo1WkFoMjZJd2dFNEJhMWF0bElxUXJZckI3M2VKS2k1ZWR4TXlNLUlGdlQ1RHF5RmQ2bTNyR1NERDhBQW8xWFVLQzJKbHcwQ3VFVTI1ZzhxWWZy?oc=5) · Russon Brothers
- 2024-05-21 [Student Spotlight: Ridgeline junior highly motivated and desires genuine connection with peers - Cache Valley Daily](https://news.google.com/rss/articles/CBMijgJBVV95cUxNWUd0TmktcEE5SnktRXVHTk9BQlByTXZFN3RIcThxOWt6WnJVOC10THhTYUZQU0dzRXdKd0hIMjhQTjZJR3V4T0hEck9vd25BT253S0NpUVNZZ0dQREZjODlSQ1JTclhDREdTdklhV1I0UTNHNUMzd01MdXB0WjA0S1JVa0lkUWpuRGZrWFBTZzlBLVFGd2Z0cXA2dmlnNEpPNklDenRZSHdzWXlYMTJUWkxmVm5NSmQ3Z25vbEYtSzZpLXFEeUlVbFpKUnh2cmFsbW10ZmxUSkFJLVhNaUFKSUJ3VGx5NUJYRm9VNzRwc2I5WFFCaFhyOHpibkdpZnFxY2RsZTBtVzI0S2toanc?oc=5) · Cache Valley Daily
- 2023-08-20 [Richard Brown Obituary - Millcreek, UT - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQenVNM2JoSTFVM2pGQS1Xal9mUnNXZUZjMzVjaU96dkJFbmZqdTBpVGtFNm9SZE13dGJ3ajhaSWlOOVFZdFc0elpuZzI1SXhFTHpVMFU2Tlh1bmlNbkJpQi1nNHVzZTRFVUpTRm9KWFU1UVVQdkNZX3dzbFpZN3ZaX2lXUkI?oc=5) · Dignity Memorial
- 2023-02-04 [High school drill team: Dixie continues 4A dominance, wins fourth straight state title - Deseret News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQQWVpbjkyRDZMczF3VUhvczJITHktdDhrRzhVOTZraG4tWmpOVWJvVGlQd0ZzZVBrYzFtdk40TUFiU3o0VW5ZeGd0ZGRuZWZaakpjT3V3TzJWWTlrR1RUUW5jeEFUd01XZG1JX3ktVUxqaWR0MHBObzI3QmEtU09CcS0xWFFxYUVPankycFBHMEVWNS1VVVJtNDZQaDNEMFFqZGxQYjktVndlLTE0Vldv?oc=5) · Deseret News
- 2023-09-15 [Thursday Night Lights / Friday Night Rivals Broadcast Schedule - 2023 - kjzz.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNZ3FZbmItUXkyMGlMejd1LXlKZVNTZm94QURoZG94d0ZHTkZiM2pTdVBtbl9DaUFXT1FvLVowOG9xM3BGZkd6SFd2ekFZUGRBejJfSUFjdXJaTW5MV2xidDRrb3JsaERuZVI2S2xHVlczOXhZMU9JbkI0RHJTbVpUTUg2RDlxSFF3Wmh3SmItZl9NRnhJZnNINy1QOWI0UE5xRXNoM1UyMGx5S3BhSmlZ?oc=5) · kjzz.com
- 2025-08-07 [High school girls volleyball: 2025 4A team-by-team region capsules, predictions - Deseret News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS3hFMmJ2WmFOVnlJS2JwaEJ3eFROLTJ4TDIzSHkxLUFsT2I4ZjBEUlJnVFl1NWNGdFF5d2F1RXZuQkloV1JrSHRVcjYtODFWLUc4UmVtLWR2NWF3NnB0bEVaSzVqXzNzQUFvb3lacWJLVzNNdFlYMWMwVk43alpGSTgtVEFkWXNBRVJPVWZnM204OEdN?oc=5) · Deseret News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7546 (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/58.json (key "7546", 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=7546
- 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