# MOUNTAIN WEST
Butte, MT · NCUA charter 8129 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mountain-west-8129

Who the members are: federal charter, community charter, organized 1952, low-income designated. 2,990 members of 226,000 potential (1.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $24.0M |
| Members | 2,990 (1.9% YoY) |
| Full-time staff | 6 |
| Net worth | $3.6M |
| Net worth ratio | 15.2% (p52 of band) |
| ROA (annualized) | 0.78% (p60 of band) |
| Total delinquency | 2.18% (p80 of band) |
| Net charge-offs (annualized) | 0.66% (p79 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 29.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p58 of band) |
| Operating expense / assets | 4.25% (p65 of band) |
| Vehicles % of loans | 57% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.99% (p79 of band) |
| Vehicle NCO | 1.98% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 25% |
| Average share balance | $3,788 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $8,461 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | expense trap, auto monoline |  |
| 2018-06 | 1 | net worth falling | delinquency rising, expense trap, auto monoline |
| 2018-09 | 1 | delinquency rising | net worth falling |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 2 | margin squeeze, auto monoline |  |
| 2019-06 | 1 |  | margin squeeze |
| 2019-09 | 2 | repo signal |  |
| 2019-12 | 1 |  | repo signal |
| 2020-03 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 2 |  | delinquency 2x band, delinquency rising, net worth falling |
| 2020-12 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-03 | 5 | net worth falling, charge-offs p90 | members leaving, delinquency rising |
| 2021-06 | 3 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 2 | net worth falling | margin squeeze |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 4 | delinquency 2x band, charge-offs p90 |  |
| 2023-06 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2023-09 | 3 | repo signal |  |
| 2023-12 | 4 | delinquency 2x band |  |
| 2024-03 | 4 | margin squeeze | delinquency rising |
| 2024-06 | 6 | losing money, expense trap, delinquency rising | margin squeeze |
| 2024-09 | 4 |  | losing money, expense trap |
| 2024-12 | 4 | net worth falling, losing money, charge-offs p90 | auto monoline, repo signal, delinquency rising |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 5 | repo signal, members leaving |  |
| 2025-09 | 4 | assets shrinking | net worth falling, repo signal |
| 2025-12 | 3 |  | assets shrinking |
| 2026-03 | 1 |  | losing money, members leaving |

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

- 2026-04-17 [Broncos Enter Credit Union 1 Mountain West Tournament as No. 2 Seed - Boise State University Athletics](https://news.google.com/rss/articles/CBMivAFBVV95cUxQVl9KTHphX013VzVUQkhraGk0YTZTamgza0Foai1IUXpZeW5KYmRtcVIxckxadXRaT3BHamxBaFA2bEF6NnNQdDlhc3picHYwdVMxdEpDZi10OG1MSXh6VU0wYTVaRlY5UFc1U0s3YjJYRV9OX1M3TWg2aUU3ZGtqaGp0eTA4UjRackNxd1I2dHVhcmRSZ1puNTVRR3Q5dVRHWm1ZM3JJM094VERtbmZfQ3Nibjl3X3dfYzdJVw?oc=5) · Boise State University Athletics
- 2026-07-23 [Mountain West Announces 2027 Credit Union 1 Men's & Women's Basketball Championships Brackets - Mountain West Conference](https://news.google.com/rss/articles/CBMixgFBVV95cUxNb2dJb19WSTUtMGJYb0RRRDBmV1c3TnlkbWZOQkM5R1BNV255THVtV0FiZXBLa2xaUEp5TUhyOFZ3eTlJWUphLUJnT24tMFF3RVZnX19JVTZrZnNmTk84b2t6Qk9reW5KM0dENGl3VzRGX0k5eFBTM3cyZWRraldBOGRxYklzN1ZDWWNGSnZXeWdoMnkzcHdLM1UxQTlQU25icFo5TnltRDdLT19YNU5fMUVJQ3JDTDl1V3RXSS1aMlNETXJIdFE?oc=5) · Mountain West Conference
- 2026-03-09 [Cowboys Open 2026 Credit Union 1 Mountain West Championships Against No. 8 UNLV on Wednesday - University of Wyoming Athletics](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPMjJuX05LUTRGT2FQcFUwRVBFbUdVN2h2R0FkeG4wN2dHUEltWUw3ZWdFak1VeFBaMzVSeURRQ3pYR2tBMnhqSEtOemVObF84bGxZNEdkbFhFRkszNjFQQWxrak9TckJpVEphM0oweVo0aDNNWEhESmhCZ01rUlhhX3ZQek1CWEYtNFlXMkdEWEQ2eTBWZ290V2VxNTlDZmNfV18wSW1fMEttNE00OTRPUTVCcVBqT3JkcFdyb3o3NG9YRnNEWmtScFJabWdia29faVh6eWI4MzA1Uy1N?oc=5) · University of Wyoming Athletics
- 2026-03-20 [Women’s Gymnastics Eyes First Mountain West Championship on Saturday - Air Force Academy Athletics - Air Force Academy Athletics](https://news.google.com/rss/articles/CBMiygFBVV95cUxNQ081bTIyQWpOeGUwbVlIQ0NOXzFKNXhaLVNEaW03WGpKal9DcVZzODFpT1JIaTBQZkphUW5rMlF2WkllVmdnSzhucE1fVWwwcEp2cHZkQ04wamhvLV83ajZDTURnR0F0MHFDQ1k5NjFKalI0b2JMdjgxdVU3WEpRX3ZhYlRBaXo5MG9QeGJmYTlLZm9rejB3Nm5vbzlpdVY3NVdKcF9oT2NvV3JOQTNqQkcwbnQyVGJmV3dDZTZJdFJKbGd3SWJFRTlR?oc=5) · Air Force Academy Athletics
- 2026-03-02 [Women's Hoops Closes Out Regular Season in San Jose - Colorado State Athletics](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWEs4QVNGZUppZWFIb0QyUW84OEFLZEhQbzEwdE11Y2NkQjFxUHBxMUhMdmU1dW8wTTRhWnZlbW1yUEpkdW9vX1h5ekdQbTJydlBVcTE4RnNWSUp5NXhqaTQ1OXFYa094OEFCSGRmTDlqN29VejFGSTZabWpQR085U1VBVUVTQ3pKT0FSQ2Z1WThWTEJiVDllX1A0S05yazEwcnhyMA?oc=5) · Colorado State Athletics
- 2026-04-19 [Men's Tennis Secures No. 3 Seed in Credit Union 1 Mountain West Championship - Boise State University Athletics](https://news.google.com/rss/articles/CBMitAFBVV95cUxOa1NHQXIwNUxINTlLMmpSVWY5UDFQZGhsUW1EbkMtVmRYVDkwa0dBZTVTcHdrajk1cmppaTlRR01HUnZMUnZqTm1TMG9HaWFtdk1DdWt2LXgwcnZlYXZJQW5KV2dxUG5Za1Bubnk4Ql9vNTA0cEMwSzUyU29PdU1IVWpmN2o2NGhhUGtocjNiZWl6SE92RXNUX3F4ZDB5aV9YU282Z1JsLVZjRUZkajVKdDlWbE4?oc=5) · Boise State University Athletics
- 2026-01-20 [Men’s Hoops Heads to Phoenix for its First and Last MW Game at Grand Canyon - San Diego State Aztecs](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSTJIbmFzck9zdy02WUVhaFIwa3RpLXFRRFhVSTlHUDJueDRoeExiVm5oLVpmdTlTaTk5T01DVEF5RGJLTFF0V3B2VkhoQ0lzQ005eHBMdEp2MTNLM2l6MXJObzIzNFNLU3d1VnNzUGhIZFZyTkNNUUtXTEllbllCTDN5Q2lEZlJRZHVDMTdlVnU5bF9DUUM3WjBNTW1mNVloaC1QMkRnZ3M?oc=5) · San Diego State Aztecs
- 2026-02-26 [This CD is still offering 6% — and four more with 5%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX0ZEREp3WmNheVltLV9CVEZ1U0lnWEY3d1FUQVZxbUphWm41b0N0clJ1MG9CeTd5YktxUE1YMXFGU3BSRUhRbllXUUtjc2RIQ2ROa2hoTXVuSW9BX2MyWUE0d01kUGluMVUxTTJFVEdkaTNpMEdKYjN2Y3U0MFo5OHJIN2tfakVHZlRFUVZ0SEFaVXZsNWRUVTFlallkLTNNN29oTklrYms1d0U?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8129 (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/1.json (key "8129", 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=8129
- 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