# MEMBERS PREFERRED
IDAHO FALLS, ID · NCUA charter 82547 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-preferred-82547

Who the members are: state charter, organized 1968. 4,434 members of 70,000 potential (6.3% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 84.

**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 | $60.3M |
| Members | 4,434 (3.4% YoY) |
| Full-time staff | 11 |
| Net worth | $12.7M |
| Net worth ratio | 21.0% (p93 of band) |
| ROA (annualized) | 2.82% (p100 of band) |
| Total delinquency | 1.18% (p77 of band) |
| Net charge-offs (annualized) | 2.29% (p98 of band) |
| Loans / shares | 86% (p91 of band) |
| Cash / assets | 18.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.02% (p96 of band) |
| Operating expense / assets | 3.07% (p32 of band) |
| Vehicles % of loans | 67% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.53% (p83 of band) |
| Vehicle NCO | 3.10% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 32% |
| Average share balance | $6,746 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 84% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $11,042 |
| Loans granted, annualized | $15.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | loans>95% of shares |  |
| 2017-03 | 2 | delinquency rising, members leaving | loans>95% of shares |
| 2017-06 | 3 | loans>95% of shares |  |
| 2017-09 | 1 |  | members leaving, loans>95% of shares |
| 2017-12 | 3 | loans>95% of shares, auto monoline |  |
| 2018-03 | 2 |  | loans>95% of shares |
| 2018-06 | 2 | members leaving | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | loans>95% of shares | members leaving |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | delinquency rising |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 | members leaving | charge-offs p90, net worth falling |
| 2020-12 | 2 |  | members leaving |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | delinquency rising | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | delinquency 2x band | delinquency rising |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 3 |  | delinquency 2x band |
| 2024-12 | 3 | members leaving | delinquency rising |
| 2025-03 | 3 | delinquency 2x band | members leaving |
| 2025-06 | 3 | members leaving | delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 4 | net worth falling, margin squeeze |  |

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

- 2024-12-27 [Strategic priorities for credit union leaders in 2025: Navigating risks, opportunities, and challenges - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxPLVlodVo5V0cteWotNjk2TG9iVlJwM3pnalpqemxGUHlOeFRJcEd1ZkhuZFlNalJoY2lPekhHNV8wSDJGelBqTkd5X0EzaUFlOFhzMDhGVEJRYnNBRHVhckhTejM3Q0ZfNmJ5N0xCSGNtMkhWc2dSeDdlbDV1aFM1M2VFYThzLWxfNDdUalRVRHZVLUhyQ0tKV2ZFXzgyaDlhcG5tbnk4eHZkbUIxcFpjbzlndExoWXNoN1Z6Ny1Vc2ItN3l5?oc=5) · CUInsight
- 2022-04-29 [New Stake Presidencies Announced in April 2022 - newsroom.churchofjesuschrist.org](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQUZRQzhubTFJY3NYbzhKZWRINE5DYks0ZDVIOEE0TjZza1E0YzIwOEdSYUJvLTBVaXd4UGJHMThvUHdhRm84N3hGSTBWVzNWN1FBSFpyMFBseHNUdFJoU3F0anhpbDl4Sll5TktLNG02RWszR3Z6VUpWRFEzLW84NnNhdmc1VFJUY2VRX3FmMDJpWWZjT1F1Z0pkZw?oc=5) · newsroom.churchofjesuschrist.org
- 2022-04-01 [Read about these 17 new stake presidencies serving around the world - Church News](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWWFpY1dfY01BWEVqS0VrdUZITzhHOVNCOVRDbWdoZnpiSXFTSnU0bENaMWgtUDVkMVJHRUxLd282Rjc1c0lTZGxUNnhkZDAtVndBVFlGdVFhR1RTRlZub0k4bm9URHFCWHBxMzlxSXNRUUw2TUZyNEtxMU5rMmxLZDMwaEtiSWc3Tms3VVE0Ml9aV2RscjV1U2pqNlY2OVdSVlJYUGdWbVA0TUtZLWk3YnVGNFpNaGlVVjJoeDIyS1lreFozRXd4RXNHQQ?oc=5) · Church News
- 2014-05-25 [Laurie Davis Obituary (1953 - 2014) - Idaho Falls, ID - Post Register - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOS1RNUFdpYXBYNnBlcnJtdmY0M2JOamtkbXBrT0VSUTdxYjFmUlhmNWo0SU8wNm9fbTdJTXhXbFJWM3VZMnFfUWRSTXNsdEx3RWt6SnUwLUR0bFVMUTFRYnNtRzJNTjZfTFdfbzM3OUN1UmJOWjZmRGRnYWRVcDc0d2thOWJraUVxUVp3WUJwNU5Edw?oc=5) · legacy.com
- 2013-01-13 [Karl Quigg Obituary (2013) - Idaho Falls, ID - Post Register - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxON3hsNWsxc1N3T2FKa2tTV3FDay1YaVBTV3VBbUJSZ1dXdzlMZGJBSGtqVXA0aF8xaW9uclNNZHFnZ1B2NnJ3elhkckxkNHdDYU5UME1yZEVJaDhta01TdFZ0dFlLTW9DZ3Y4Vk5rT2NLZHE3dENHUl9aSFZsdDk3SDZQdjJPVUQzM3Z2Z1pTdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82547 (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/51.json (key "82547", 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=82547
- 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