# AMERICAN UNITED
West Jordan, UT · NCUA charter 8187 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/american-united-8187

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 21,084 members of 1,308,377 potential (1.6% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *ordinary*. 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 | $394.2M |
| Members | 21,084 (-6.8% YoY) |
| Full-time staff | 87 |
| Net worth | $43.4M |
| Net worth ratio | 11.0% (p47 of band) |
| ROA (annualized) | 0.24% (p18 of band) |
| Total delinquency | 1.05% (p81 of band) |
| Net charge-offs (annualized) | 1.18% (p93 of band) |
| Loans / shares | 88% (p85 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 3.80% |
| Net interest margin | 3.81% (p69 of band) |
| Operating expense / assets | 4.10% (p67 of band) |
| Vehicles % of loans | 20% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 3% (p23 of band) |
| Vehicle delinquency | 1.72% (p90 of band) |
| Vehicle NCO | 2.18% (p93 of band) |
| Repossessed % of vehicle book | 0.27% (p89 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 198% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 32% |
| Average share balance | $6,989 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $18.0M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $22,528 |
| Loans granted, annualized | $43.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $18.0M outstanding purchased (41.4% of net worth), $5.6M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.7% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **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 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | net worth falling | loans>95% of shares |
| 2019-06 | 2 | delinquency 2x band |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 | expense trap | delinquency rising |
| 2020-09 | 2 |  | expense trap |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | expense trap, charge-offs p90 |  |
| 2021-06 | 3 |  | expense trap |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | expense trap | charge-offs p90 |
| 2022-06 | 2 | net worth falling | expense trap |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 1 |  | net worth falling, delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 3 | losing money, charge-offs p90 | delinquency 2x band |
| 2024-09 | 3 | loans>95% of shares | net worth falling |
| 2024-12 | 4 | assets shrinking, members leaving | loans>95% of shares |
| 2025-03 | 6 | net worth falling, delinquency 2x band, repo signal | losing money |
| 2025-06 | 4 |  | charge-offs p90, delinquency 2x band |
| 2025-09 | 2 |  | assets shrinking, repo signal |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 2 | charge-offs p90 |  |

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

- 2022-02-04 [Business Spotlight: American United Federal Credit Union - ETV News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNUG96RTFlZUFtLWVHUnBzMVdYd25oSDBEM3F1Tkx1eVFBenBwRm9ZT3RhUW5JdjRubGlpVTBXZWJKb3hmOGE3MGtqTl9qQ3BwcG1qbWRJZjZ4ZFdmcHU0WU1yR0l2Q1d4c1o1YXNSVXl4eUIyUU1WcnVsb2hTRmlCV2RSTUI5YXAxN3hEMkJneG9MbmtsQWFhLVFMajA4RUxhY1hlZHVDbw?oc=5) · ETV News
- 2025-09-30 [NCUA Issues Lifetime Bans to Five Former Credit Union Employees, Including Two CEOs - CUTimes](https://news.google.com/rss/articles/CBMiugFBVV95cUxONzZ4THl4MVlmVVpzLUgyRWhvQU5pUHI5OGF3cVVqOXZZMElfNkNybEp5RU1Xb29VRHYwSm02U1F2Qm9DVzZkYXZHcnpFQXdVQjlxQmp4djdROEpfa1llSjJ2R1RsQ1BuRUdjOTRIWHVzLWlwRUE1TDEza3NuNWlmNmFPTzJ0VGVLaU5Rc3Rsa2NZMm4xYVdCbXl6Y1hyRkRuWDlCYVJUVEowSVNPZE9pUWx5bmlaUzZ6Z1E?oc=5) · CUTimes
- 2018-09-13 [Police seek Cottonwood Heights bank robber - Gephardt Daily](https://news.google.com/rss/articles/CBMiW0FVX3lxTE0yZXV1bFJqTHVuanNzVThldjdxdHNtMFdnLWlaY3NUY29ubmdHdXNpd3FoNk1JWjlacngwOW91V0EtM2tvU1gtRDZCTEdTREE2dm83elVwQmJCTjQ?oc=5) · Gephardt Daily
- 2018-03-13 [Bank robber who imitated possessing a gun is still at large - KUTV](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZ3d3R1g5cUVOQmdkbTRhYkRaTTB1Z1VKZ2dQdThzVW01dEwweldWNTBSQjJHZGJWN2RXVE1IOWx4bmd6bExhUm1IQjRiUU9yVmlIUWZwMXJHN0xibkd2bzdaYnhqQ3IxRTh2bnhKcFlfeUEtRnNiZWhPTGVTSTlQUDFRZ19Ec0JLeHZGV25IX2Q?oc=5) · KUTV
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-07-07 [Pregnant woman among 6 killed in Monticello crash, UHP says - KSL.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRVNfRkFLRWJWSFdKNDJJNDkwV3pMOG5WX0pHSVFpeHEwQ2dPcUt0aVc0VmdzMXZXQ2lsZWpfNnNQX3lfaU90dERHQUZqVUk0SFV3UGFOY3ZQX0ZDUDROcGxXNUZBWUF0RUlKMlBfNkRrQlRUWmJwdnlGejQwekZMNWxhZDhCX3NzX2hiNjREOGFWaGVvSTBJbW1pV2x4QTNyNHM0dDZLU1Q?oc=5) · KSL.com
- 2013-12-17 [Michelle Morrison Obituary (2013) - Sandy, UT - The Salt Lake Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWi1ZU0xZT056aE5zWHJMTzZXbFppdUdZaW8zVlg0aThER0V3ZmZqQmhSSG5tY0R5TWtjRnVUYmVnWmtBTnUycjNDQ3M0SzRvdGNma1k2QmVjS3BWZ3hXem5mbHBrOHRNVW45WF9EUkNyWVptXzBFZmdqNWxqR3pDTkFSaWhINTdsZmhLZDVpTThjb2JCREpCZFJvQXk?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8187 (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/59.json (key "8187", 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=8187
- 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