# CLEARWATER
LEWISTON, ID · NCUA charter 82546 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/clearwater-82546

Who the members are: state charter, organized 1957. 3,181 members of 7,500 potential (42.4% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.1M |
| Members | 3,181 (– YoY) |
| Full-time staff | 5 |
| Net worth | $1.2M |
| Net worth ratio | 5.2% (p1 of band) |
| ROA (annualized) | -0.72% (p10 of band) |
| Total delinquency | 0.41% (p33 of band) |
| Net charge-offs (annualized) | 0.17% (p45 of band) |
| Loans / shares | 40% (p24 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.10% (p16 of band) |
| Operating expense / assets | 4.23% (p73 of band) |
| Vehicles % of loans | 53% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.72% (p56 of band) |
| Vehicle NCO | 0.55% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 4% |
| Average share balance | $3,965 |
| Participations bought / yr | $2.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $5,128 |
| Loans granted, annualized | $5.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, losing money |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | net worth falling |  |

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

- 2026-07-01 [Diana Mae Hedrick, 79, Weippe | Obituaries - Clearwater Tribune](https://news.google.com/rss/articles/CBMivwFBVV95cUxNRndwRUZGS190dHZiV1FaOGtHVUhFQWRHblBSSGtlR1BCR01Fd0ZVOXN3WjAxSUx6YmNvYkJ2TnNUZlZZMmtsQklUQkVEbHFQT2JNblMyT3dXY255QjV1bHBuZjVJME5XeGl2NlhoamVyS01WTXZyRk1qclRsSG1GRG40R0x3OFBTTVN3Rk5VQk42dHlqUzdxVlc3d3V6ZnFweXVYZkNZeU5rODV5NmEyd3c2SG5VNDRSbkItZTd5NA?oc=5) · Clearwater Tribune
- 2026-07-07 [Fire at Pierce results in several injuries - The Lewiston Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxQalRLc0VtZ0hkWGw1SzVZYjJiTzZjS2FrcGtobnFSMHlXZE90c2lCY3F2YThoVUhNQ3pWV1pjWi1OdlNWMHJlUWo5UXZhQXpJb3BTcXMxZmhyQkJhSVNZcW9MMEdNSElzNHVqOENWbVlkUnJaWWc1Z0VxM0k2UGFIa2otbURqZkQtQWpidkRNRHNRdw?oc=5) · The Lewiston Tribune
- 2026-06-03 [Jeanine Jones Obituary (1944 - 2026) - Clearwater, FL - Northwest Herald - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNd0xfV1lfQ2xNVHZZSUZ3aVhLV2gwVGpLbDlObzY5SkNVay1ZLXdub2k2czU4YWxHZUZ5VWFBNzNmRmFGR3pSU2xva2RxTlVCemtsVFNxbWQ3dGVwNGdaeV9vdmw2U1VZR0hseDFrQXJ6X3FvMkNMWThVNkpKRXhJcXNXdm1jcE1IcFZ3QzFB?oc=5) · Legacy obituary
- 2023-07-07 [Clearwater vendor accessed by third party, credit union warns customers - missoulacurrent.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1xSVJENFg5Nlg3Qll6UzlibFVXWlF3STd2MEJJcGpQVndDZTBHVEYzeG9UQXhhRjFyRFpkcnNOMXhpMHV0Uk9uakRNamttMV8wWFJ4ZnlSZi04c3hQUE1PMzRpZ2RvQQ?oc=5) · missoulacurrent.com
- 2026-04-08 [Child, 6, dies in residential fire near Weippe - The Lewiston Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNXJ5V2RaUUdtU0VoVlJ2NHRWVDBDQzFqT1pGZDZraWpibVZlM0lZaDRNYm16dVdvQjNMcXNkbHJ6Nk11QlM0YVN3VUVUX3ZuOGxVS2lDTWt4WHV4WDRQSXB2Y05sX1puN0J0X3hVVm84bHFxS0JTampyLTZlazdXVTU1WHRRNzJSTTdMT2c3ZF9FcDhw?oc=5) · The Lewiston Tribune
- 2026-01-29 [Niche credit union seeks second Idaho branch - Spokane Journal of Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxPOWc2S1UySS1tbjd2VU1aT05rVEl1dHRxZV8xa0dWSE4zdzNqRzYxU1otYjV5TGxiV1dzNGU1bEtRbDFva1JZam1naHZFbFQxWXUwZDgyWC1ncEpQVFFsNkItSVp2c2puVU5pZVFkQzFCX3JyOVV2dmYwaHk2WXFTQ2lMVUd1ckdWMnZJSTFDaVFraVoxaG9zcnlhajNZaWdreGNYOE51S0l2WGJKaW9RTmtB?oc=5) · Spokane Journal of Business
- 2026-06-15 [Monica Roscoe Obituary (1976 - 2026) - Missoula, MT - The Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZVJOUHdGOTlOSDdHV0RHeGQwRmQxdXlxSzI4Q0pCd3dIUm1MYkJTVVEtdkk5RGxaVHYzLW9ZRktZZUtjcERycVVQZW9RYjltZ0paRkY2MXoyYVNVeE1EZjJUdUN5UWVkQ3V6S1VPUEhOX0JXQ1VrbXBETlRsakwwZWU5aFpIbm1TTXd3X1NzUHA?oc=5) · Legacy obituary
- 2025-06-11 [Lewiston 18-year-old dies after being crushed by boulder near North Fork - Idaho State Journal](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQSW1zZUFTNldxM09XTVZLTWJrRjlGVldadXFxQ19FYl9uQVBsbi1rX0Q0VUVYc25wRUgyenZ3MjdubmRsVWdPOGVNeHJzOEtxY2ExRkNwMHVsRElCb2laMUVRemJ1dUZ4Zi1vQTdMNk5kaHBCaTJqX0d3MVM0elFIYlhLYVJtaE9LekJaZWgwdUZrRnNKVS10TWFFb2lNclJoQkNCR3hhUGFnSExYVVJuOEJIdWU5X0dLMW83WjVwU01US1pRNmluNHVSZk1KRWpuTkNtdU41VXEtYjBBNkNhcHNaaTNvZzduTXdFaXZGWVdaYWlQLTlQZEk4TQ?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82546 (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/50.json (key "82546", 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=82546
- 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