# CUTTING EDGE
Milwaukie, OR · NCUA charter 8317 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cutting-edge-8317

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 3,750 members of 34,361 potential (10.9% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. 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 | $51.8M |
| Members | 3,750 (-1.6% YoY) |
| Full-time staff | 14 |
| Net worth | $5.0M |
| Net worth ratio | 9.6% (p16 of band) |
| ROA (annualized) | 0.20% (p21 of band) |
| Total delinquency | 1.11% (p75 of band) |
| Net charge-offs (annualized) | 1.13% (p91 of band) |
| Loans / shares | 41% (p15 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p40 of band) |
| Operating expense / assets | 5.41% (p92 of band) |
| Vehicles % of loans | 43% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.54% (p49 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.11% (p86 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 22% |
| Average share balance | $5,652 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,040 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | delinquency rising, members leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | repo signal | members leaving |
| 2019-03 | 1 | assets shrinking | repo signal |
| 2019-06 | 0 |  | assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 3 | loan book shrinking |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 3 |  | losing money |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 0 |  | loan book shrinking |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, delinquency rising |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 4 | loan book shrinking |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | net worth falling | delinquency rising |
| 2024-09 | 4 | delinquency rising | assets shrinking |
| 2024-12 | 4 | delinquency 2x band | net worth falling |
| 2025-03 | 4 | charge-offs p90 | delinquency 2x band |
| 2025-06 | 5 | assets shrinking |  |
| 2025-09 | 5 | repo signal | charge-offs p90 |
| 2025-12 | 3 | expense trap | loan book shrinking, delinquency rising, repo signal |
| 2026-03 | 4 | net worth falling, charge-offs p90 | losing money |

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

- 2026-05-01 [Park City Credit Union to host grand opening event and ribbon cutting at new Wausau branch - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNRThiZU54MklSWFppSGNuRlVpajZ2aGZ2anJ1dndraV9JdDBNRDRpRjljNnd5Y0tINEtZUjFwbUtRU1JFeEpUYUh6YkNFTTdfdEJmVm1LRlZCUW9qenJpcXVEOWthMUhPT3BSdVo3cXJCYWdxQ0lKWXVCR2V0SFNxcVFQRWhkVy10OTl1M2hhTDROLVJxSFdOem8xc3RxUlVhTTEzUVByaFdOal94clptMTBpVDBZV0V6ZS1RMWtDLWtOQ3JEa0JCYlZOYWFOZDFV?oc=5) · Wausau Pilot & Review
- 2025-11-18 [Catalyst Expands FedNow Instant Payments, RTP Real-Time Payments and P2P Payments Reach for Trailhead Credit Union - Newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTTJ2NnBnTkFWNzJPcVhNMnRKenctVlRIank0ajJjemdtZzJZUzZLOENqX2dhTExMRG5qRGg0elE5TGRXTHcyS0ZWUm0zaE1GMS1qVE5tNXVvX3I1TGpURmVfVVc1M2dBeGFyTGY0ZldLN19rdHduR1ZRbXdicmhVVzhqRjJYcGYzUmJKT1J2a0t6SWJENmZhbzJhSUpNSmhkc2dtWFo4V2dhQQ?oc=5) · Newswire.com
- 2026-01-07 [UK Credit Union Announces New, World-Class Member Experience Powered by Glia - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQM0ZqdWJ1RGR4bjQwNW15eWRRVkRyb05JLTNkU29YMmRPT1J4ckotTGlWaTZiQ3Mybmd4MjZLLUs0WkItM1NIek1xQVNYY2ltY1ZoSXZ2cVJSb29POWktRlllWUFfYU5aa0p6cF9aMGkycFZEaHhxNFRjN3dmR3RjaU5wX2hzTDl5MjlHakllUkYtemVXQlRhYkhodXFvUE4ycFZSNm44THV2VDFxcHFXTW1JSUVObHJnbFJTRVgtQkFtek5pN2NxbmhFU0s?oc=5) · Business Wire
- 2025-10-24 [Don't Fall for a Scam: How Hughes Federal Credit Union is Protecting Local Southern Arizona Residents - KGUN 9](https://news.google.com/rss/articles/CBMiywFBVV95cUxOWWZwbFNwQ3B3WmlUUmwzaHcxWmNUakVYUkVVSUNTbmgzSzl6TUg3SllLTXNWdVBfa0pZczhTdzVKRy1weVAtX0pCenJNWHVmNHZsazlpSURwRzA1eGdzT1pCV2lIU1oySHFNM1huTWdJQ2NHOWZXUDVPR24wVHdhdnRZSmJlMkJDZHZyS213M3RCTHY0RG44dVpvQTNCRmJTWXhhNkhsc3hURmcyeWlDTURTa1RSZWN2NWJocFZvTUNsVUxyMDhxQUp0cw?oc=5) · KGUN 9
- 2025-11-17 [Manufacturer donates cutting-edge gear to Arizona firefighters - AZ Family](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWUgyZDJ6QktJemE5SzZsSEJjLVM0S2tQdjBZNy1LVXF4NjZyM0psRjR2RVl3Q3R1VER2WGdwZ0RHNUtXN05Jc2pqeWdDUUs3dlZCOXp5SThFcHVqdVlOUmJnRThnZ01RTFh0R0lnTEVVX2lVQmNOVlVEd3ZrbXFsbGFFeFNHZjc2Z3dMNzVyMS1nbUR4aE9yRmx6QmE?oc=5) · AZ Family
- 2022-04-25 [360 Federal Credit Union - hartfordbusiness.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1PTmxhLU5pUTJtWDIzbEZ1S0o4TFZiSWJGZ2xkVG5vWGJza05sM3ZPSE1rekQtZnlNSklBbzN3VWZEdjBpZm1OeWJ4R1p1OTBkSzJhaGpMT0ZRazJzWFV1Z3U1MmJ3b1ZoelhRc2lmdw?oc=5) · hartfordbusiness.com
- 2022-04-20 [New SchoolsFirst Learning Lab Could Be Model for Future - CSUSM NewsCenter](https://news.google.com/rss/articles/CBMihgFBVV95cUxONW5nYWpJOWp4STh5QWpGQ1RuTnMwVzhVckF1VWs0cGRWSHdTbF83SlN2bXhCS21LQlBvVHFBTVJfb09pQXZFU3hackVHdTVKUVg3dEt5OWk3MVZIZFRGcDRQRC1YeER4ZmE1d1I2M28xWWVfOXF4RWs2MEpkR2pGNG5aM0kxQQ?oc=5) · CSUSM NewsCenter
- 2023-05-24 [Discovery FCU Announces Promotions of Four Valued Employees - Berks Community Television](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVjI5WDUzNURLZ1NNbW82b0NOc0hoVmtHRWtsT1ZMTlozVnNBWG5ncWU0Q09jVVp2MUdlMExvbVpwZUdPcjI2d1pDbFB1LVJJZDdTNmx5Y0FRXzN0bjdWYVFWT1JuMjA4VmwwZTVkWnJMbHBjLUtJc1V3RXdrS1BIb1FTTXhJTmxJVVFRTGk3S05aRnkxaklSVUlod1pzT3NHZWJGZ2RWOUc?oc=5) · Berks Community Television

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8317 (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/61.json (key "8317", 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=8317
- 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