# CASCADE
Kent, WA · NCUA charter 7748 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cascade-7748

Who the members are: federal charter, multiple common bond, organized 1952. 10,736 members of 27,900 potential (38.5% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $380.2M |
| Members | 10,736 (-1.6% YoY) |
| Full-time staff | 54 |
| Net worth | $51.6M |
| Net worth ratio | 13.6% (p79 of band) |
| ROA (annualized) | 4.39% (p100 of band) |
| Total delinquency | 0.67% (p57 of band) |
| Net charge-offs (annualized) | 0.26% (p36 of band) |
| Loans / shares | 51% (p9 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.19% (p2 of band) |
| Operating expense / assets | 2.38% (p10 of band) |
| Vehicles % of loans | 9% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 226% (p84 of band) |
| Vehicle delinquency | 2.36% (p97 of band) |
| Vehicle NCO | 1.31% (p80 of band) |
| Repossessed % of vehicle book | 1.61% (p100 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 42% |
| Average share balance | $14,243 |
| Participations bought / yr | $17.4M |
| Participations sold / yr | $13.5M |
| Participations outstanding | $5.3M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $24,309 |
| Loans granted, annualized | $93.6M |

## Participation posture (from the same filings)

Bought $17.4M and sold $13.5M in the latest annualized quarter; $5.3M outstanding purchased (10.3% of net worth), $5.4M sold and retained. Sold in 5 and bought in 2 of the last 8 quarters. Shares 7.4% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 2 | net worth falling, delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | 3rd-party paper>100% NW |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | net worth falling, losing money, assets shrinking |  |
| 2024-06 | 4 | delinquency rising | assets shrinking |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | repo signal | delinquency rising |

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

- 2026-08-17 [Oxford Bank Partners with Swaystack to Drive Customer Engagement - Finovate](https://news.google.com/rss/articles/CBMijwFBVV95cUxNeC1Ud3BDclV5YlBBLWh0UFJDQndEN0pMcG9BMnpPTUZvTXVnLUdqRmhKVVJiSl9JOUZoLVZRNGJDYzZpa0NDZVA1eWhpQWxqUU1POXRYYkI4MjhISlZRVFFmdEJ2ekRFMkRGa3RJWjBCOTd5TnEyNnFMTThxMXM2amxEVWdNMFhiQjBzMTdtdw?oc=5) · Finovate
- 2026-07-06 [Cascade Federal Credit Union selects Swaystack to turn new accounts into active, multi-product member relationships - EIN Presswire](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPWFpkNTNMRXhnUGhBQ3YwVVhYdWQ1UE83NmI4b0d2QUpFTXg2Y3BkX0pWaHR6Y1hucHpScTFNeXJyZkE1Y0ItN2poVWZtekJnLVVrbGt0TjB5YW90RGFpbzd1WVNTTnM4TTc1TVlJd0JZbG50ME92dkNvSFd5bko2NjYwTm9ZZ1ZvdlFJcUZERURLaU5mTHdGQXdLNUdLOXp6NHRzdURBbGZTSUdFNkY2TEZnRzEtbm95LXdvSDlWUnN5cmszcklFYXpqdDhEUE1xd1cybVg3THBjR3hJUkM5N3RtNWVuVy1wQmRIR0hJS1dsbmM?oc=5) · EIN Presswire
- 2025-12-23 [Credit Unions in 8 States Name New CEOs for the New Year - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxObWVMb2FmbWNFcFBoOXBVR3RubXJ0RjE5cVZJbjJ6SUhxaDFBd1VPMENvTkVSaGItaFFTZ0M3aG9BYTVlWXRBWGpIRFE5elNRYUdGTVV3ZEZTT2wxdnRMX2t4aHVaRzRRc2FPZ2pWM0tIbkFXcElEOUI5bGhUWVdVdktObzQ1Zk5vYktoQnNyZTZVQ3ZWSUow?oc=5) · CUTimes
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2026-04-23 [Blanchet athlete wins Maps Credit Union boys Athlete of the Week - statesmanjournal.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNd05GclB5VWFZdnZaVDZaTFR1WjJLU29aMTYzbTQ0SFRRdHNPVVpKTzdVc2E1T1JvX3diVjZNcWtkNUZSM1pCUEc0NnZkTTMzMDFYaGQ1b0p4WjNJczd1WnZjYnNlNW9ESE02bUp3am5YTG9lNWpMQWRucUpWUlNsU1hFSVM0TnRVc3FwS0o3SlN3b093eV9sTXZfTFJwb1E5blJfUzFrZkhuQkNDRWdzYXlfYk0tWmRpZDE1OEdEQndjcU5uczFhTUJBWHhTa1BiWTE3dXVyWmlGSVM5dHB0dEk0SVRELXU3U214cEItXzU3Zw?oc=5) · statesmanjournal.com
- 2024-11-12 [Cascade FCU announces Sam Jimenez as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxPT0luVGZZTDZSTG1UTWQ3M1psc0RIcF9kb2JCelM2SkhLTVkwRGRzYmhqbUU2Xy0yUkFsNUxDc0JFNmxmY2tCQW5XZUs4RFM3WWlWb01iNFNSdEtNX1AwdmdQbUdKVnlHTEFoNHZJcDZtdUNRVm9YYTk3ZHNEQ0NIZUZfTzVaNHNtdnJfdExmWXhzSzZnSUFnMjdEMA?oc=5) · CUInsight
- 2026-07-09 [44TH ANNUAL ROSEBURG GRAFFITI WEEKEND ROLLS-ON - KQEN News Radio](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNmJ5WkpDdUpwWHpPbXZsV3VxT2ZUV0E2UnNuSUJrbURWNTFMVUFCZXJ6aVFLZ1dwQ1pCVmswVUlWOU91MzZkYTdaRXVTU1FOc2hBUzZMN3FydGpvSk15UFQyZjV6azFwRUFKakR0T0FLYTh6Y0ZQTkVOM3F4d2poSkMxX2V1a3hJam5xVg?oc=5) · KQEN News Radio
- 2024-11-26 [Cascade Federal Credit Union names new CEO - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQeFZWWDluTkp0VU1nMkxSdW5WRnAtcmJHcnpnQUNBWG1kZTZ0ZjgtTVFBckRSbE4zczBTZmJjX3FDUjBqWnZsN3owYWx4NkFFME9FWjhzNk5HSDRzU0tYZ2pGdWx4V2RxbjZBRGFKT0F6UFpsMWdfYkwzcGtzNy1DcmFSTHJLZ1R5UU1kbXg3aDJSQVBTRDExWDJTS1Z0aTdvaHVn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7748 (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/4.json (key "7748", 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=7748
- 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