# BOISE FIRE DEPARTMENT
Boise, ID · NCUA charter 82504 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/boise-fire-department-82504

Who the members are: state charter, organized 1940. 988 members of 1,100 potential (89.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.7M |
| Members | 988 (-0.9% YoY) |
| Full-time staff | 1 |
| Net worth | $1.4M |
| Net worth ratio | 16.2% (p57 of band) |
| ROA (annualized) | 0.24% (p34 of band) |
| Total delinquency | 2.33% (p81 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 100% (p96 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p11 of band) |
| Operating expense / assets | 1.91% (p10 of band) |
| Vehicles % of loans | 93% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.11% (p81 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,237 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,247 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 1 |  | delinquency 2x band, assets shrinking |
| 2018-09 | 3 | assets shrinking, loans>95% of shares |  |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 2 | delinquency 2x band | assets shrinking |
| 2019-06 | 5 | margin squeeze, delinquency rising, loans>95% of shares |  |
| 2019-09 | 5 | assets shrinking | margin squeeze |
| 2019-12 | 4 |  | assets shrinking |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 4 | net worth falling, margin squeeze | loans>95% of shares |
| 2020-12 | 2 |  | delinquency 2x band, margin squeeze |
| 2021-03 | 1 |  | net worth falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | margin squeeze |  |
| 2022-03 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 2 |  | margin squeeze, delinquency rising |
| 2022-12 | 2 | assets shrinking | delinquency 2x band |
| 2023-03 | 4 | members leaving, loans>95% of shares |  |
| 2023-06 | 3 |  | members leaving |
| 2023-09 | 4 | losing money |  |
| 2023-12 | 3 |  | losing money |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 | net worth falling | assets shrinking |
| 2024-12 | 4 | delinquency 2x band | loans>95% of shares |
| 2025-03 | 4 | loans>95% of shares | net worth falling |
| 2025-06 | 3 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 4 | delinquency 2x band, assets shrinking |  |
| 2026-03 | 4 | delinquency rising | assets shrinking |

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

- 2025-07-13 [West Boise ICCU drive-thru destroyed in sudden structure collapse - Idaho News 6](https://news.google.com/rss/articles/CBMioAFBVV95cUxPV2d5Z0RLX2R3Vy1pelA4c09DbE9SdEszT3BzZlVGZGQ5TEVKWTcxYUExS2J5c1kwUkxRR29vZjNtSjVIY1ptOFp0QXNpSGFKYW1fT0dPUS1Nb0JDNm5IRkxWc3N0MVFXaFA4djUyTG0wd25sWGpEck54RHlOS1BwbThVX0pKWXYtYUUwTnVPdHFXeGlnSkpXclBTMTJVaXlh?oc=5) · Idaho News 6
- 2024-04-21 [Hundreds of law enforcement escort slain Idaho deputy to funeral home - KTVB](https://news.google.com/rss/articles/CBMivgFBVV95cUxQekR3dGhiQURQS2JhcDlGblNkVUZtbXA5SnpES0ZBRHk0TTc0WDJ2bjNueWtHOHJMQkVTb3lJNnZRcmg5STU3QVRod3d6U3M3WGNFXzFLeFMzV2x3cFE4YVRjZUlCQzB4cGp1TFJaZW12aWR1UEZ6M3NvX08tTjJNZGFudjBKWTVJaGVITXJkbW5ubDdNd1h4ZUxuX1R1NHh5LW1JcmRsZUUtcUlQRk1pOS1telJQXzhXMXNSNFN3?oc=5) · KTVB
- 2020-05-20 [Boise looks to close 8th Street to traffic, expand outdoor dining spaces during pandemic - KBOI](https://news.google.com/rss/articles/CBMivAFBVV95cUxPLWhqQmN6WHFyazViNTFlNVpFV3BzX2FBMDQ4aDhZTEhYckZ0QTRUbldlRVFadXg4dzFGTU9pdl9leE5sWnBrU3RkeWgzdXlIZWVldFFQVEhGYTkwbDFIN1ZXOXNRczV5eXNBLUxLejB3OXEzcERtd05jb3NzeHJrT0RBWU9Nc0hTOXh4Ukx1MUVrR1JDSHc3bkVjUnJuTUVNcWRhUFNFZGozbmFaYVQtbElKLWFoX01JQkZoYQ?oc=5) · KBOI
- 2025-05-23 [A historic Boise home could be demolished over safety concerns. What happened? - Idaho Statesman](https://news.google.com/rss/articles/CBMihgFBVV95cUxPd01TSWo1NVVrM0dlOFI2X0ZpNzhSQVZ0VjFMY0ZCTzJreTNpcXJuS2l2VkdxVHhlS3pqNW5TSmwtZkhJcDBtRHllMXNFY3JPUzM4NEo4RTBya05XdlVCUmItRmVvX0ZhSHpHMk1JWk5TT0thLUZYMVNhZGticVR6THdwSW9Xd9IBhgFBVV95cUxQb2dwUGt1eTJnZlZsUUlaNEdkMU5JRktHVVRsRGJYdzBvelJBYk5fSHZkZzlXdlpjTzJBb0dLVG5zRzR0cHV1ekVNdktpaE5BX056bGh5Yk1EeVFtcVNsRFRMYXdhTUgxR3NubWsxNHU3Y01hcURpTVdtcUtPU2RPcjc4RFdldw?oc=5) · Idaho Statesman
- 2025-07-11 [Local responders join statewide effort to cover shifts for fallen North Idaho firefighters' funerals - Idaho State Journal](https://news.google.com/rss/articles/CBMinwJBVV95cUxQVjBCTUlqOEtzU0Jwem9MR0JUMUtCc2dBbWRjN0tyZXZqbE9sclRNeXR2bFdNdnRiSjNkdzVMMzBFLVpkSTBuSmpNSGFnNG1FalRzeEFFUm5zOW1VM2ZvNzlBSlF5dkpmdU1wSFB0SEc5UmZiRkdsdzM3SXFBVDBITmpBalNkX0JKMnFWRXZDYW9GbjE1czVYVThiTURRLVU2TEctZXFudGZBMXBYM3JyaEFzdW9DekM3azNFN0lxZ3dtS1p4NURQVDl5UDE2SjF6eHpIR2RQWVBOZGFPejh3ckdKUUcyNkNOY2piaGUtbjVVXzN3dTA2eXJTYkRvbU9qeGpoODluMG1RWk9SeUE5OGZKNWVJUGdXRUp4YW1sUQ?oc=5) · Idaho State Journal
- 2025-03-16 [Read about 3 new, 16 reorganized stakes worldwide — from Nevada to Nigeria - Church News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObzRWLVdVdmRURlo4a1NUZlNldDZPdFJaaU9xYl9pMnoxVjFQdjgyR0RpRFF6UF9XdTJEbXZSNTN6U1hmN203WWE0ZXdDdWJHaVU1X2hPOVcxRUNvNWp2YUlMd1UzaldtNlM5UVY4Vnh3RUlwNDdWZjJCZHZVbGMzaUd4MG9wcU9YbEt0alBObWVVZldkcWxsVHZIOWR3YURFYUdrR1hJQkNBS1E?oc=5) · Church News
- 2022-01-19 [Local Firehouse Subs to donate funds to destroyed Firth fire station - East Idaho News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNY1l5alZfd0JIYWdLa01FN1FfQ1NaZUFtWnFFaExnc1paNWwxUy1mclMxMmJTUnhPUVdyT1UxemVSeElOTk1xXzNNbXNLU1BxczFvTGhwZXJpSFN0QWc3eEZXZWp6NmZvRDgyMFF1TGJudlI5dHJCa3NoMDgydWVPRHlsUVRaWGNxTGFtXzVzVkU2X0RxaEtqUVI0UzJHRm1TQmlxTEYyZXNFa1k?oc=5) · East Idaho News
- 2022-08-04 [Idaho man charged with arson in connection with LDS church fire - Idaho State Journal](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNRmJXd25Edm4wYWpLcm83alpud2pRMFZIalIyWUMxalF3eF8tSGhwS3did3BLTm55WXZ4eFZRbUZ4S2dZeU5LMjhGcmxINkxkeWJvMHVNNDFGYXJoV3lscXhsRmROT242Q2dFb1duTU9PMzRGa1phWTMxM2tBWTEyb3BqMG5aVXRaWkY1ZlA4YmpXYjhsTDRCMW50ZkFlTko2eldoZUVHdlBpMnNiU19XRUhQOTVUNG1BM2h1RUdzOGdYWEhZS0FKNjlVREpPRHFLdDlvd3h6Tlo5cjhjQjNPMHF2YzBvM3FETnZkU01fMng0SnZSOE5kZQ?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82504 (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/8.json (key "82504", 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=82504
- 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