# ADVANTAGE PLUS
Pocatello, ID · NCUA charter 8428 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advantage-plus-8428

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 21,494 members of 100,000 potential (21.5% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 38.

**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 | $289.5M |
| Members | 21,494 (1.0% YoY) |
| Full-time staff | 77 |
| Net worth | $27.9M |
| Net worth ratio | 9.7% (p25 of band) |
| ROA (annualized) | 0.57% (p41 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.14% (p20 of band) |
| Loans / shares | 91% (p88 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p61 of band) |
| Operating expense / assets | 4.91% (p92 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.43% (p38 of band) |
| Vehicle NCO | 0.51% (p43 of band) |
| Repossessed % of vehicle book | 0.09% (p69 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 35% |
| Average share balance | $5,392 |
| 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 | $29,034 |
| Loans granted, annualized | $75.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, repo signal |  |
| 2016-06 | 3 |  | repo signal |
| 2016-09 | 4 | repo signal |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 5 | net worth falling, delinquency 2x band |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 4 | delinquency rising | repo signal |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 3 | repo signal |  |
| 2019-03 | 2 |  | repo signal |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 4 | thin capital |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | delinquency 2x band |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 5 | delinquency 2x band |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | expense trap |
| 2023-06 | 2 | expense trap |  |
| 2023-09 | 1 |  | thin capital |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 1 |  | expense trap |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | expense trap |  |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 0 |  | expense trap |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | expense trap |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-10-28 [James Lane Iii Obituary Jun 28, 2012 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTFA4bEFIb2FpY0NuYkZkWEVHM2tmWjV4blJyQTI1dkx2amZPRjJ6cFp5aDdNV0ZtOEFvc0xMM09URlFWS1NCYWlvS2loU2dqMnI0NG9jWDFVYnJYRGVZSWFiQXFvbHhBRzVy?oc=5) · Wood Funeral Home & Crematory
- 2023-11-21 [Police apprehend Chubbuck bank robbery suspect and driver of involved vehicle - Idaho State Journal](https://news.google.com/rss/articles/CBMiggJBVV95cUxNMnlzZXJKUXdVQWtkeEN5VXRUdnhud2JxTy12N2JtNlF5b21nVVFmcVB1MjZ3RFp4Z2Yzd1gyS0dCdkdzLXZZX2xWaVlOeUM5Q3JadU5tc2d4S2FKZ0JOWnprN0locUhfNmpfQVdnenB4aVRKNW9fZnpEeHNNcFRhQVlNU3RYYTZvYjJzQ0g0akIyblB2OEo0aEptclhGRzdtbFZ3a0RPM0FfdGxlU0tpS2E1a1BQd2xETXozeHh4dFZLTHJvNU9WTzd1VUpMVURlTEtfQmdDWlpDWDBCSGJBR0EtNUR3eWdZSjdKb1JlTHkyOTdENmJqXzgwMUtKWmxTSGc?oc=5) · Idaho State Journal
- 2019-01-02 [Chas Buerstatte Obituary Jan 2, 2019 - wilksfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE50bUU5UVZla184QVZMRmE2SzdKNnA1aTNZWWpQbkZfbVRvRXliRENqTFJTWWtRMURZcFRUUGpYSVBRZHBpWW9DZ05xby1xaEwyWVBkUERFY1B4Z0MxdGNvYXRuR3pjSnc5eVlXaw?oc=5) · wilksfuneralhomes.com
- 2026-08-10 [Parade of Homes returns to Southeast Idaho this week with record 21 entries - Idaho State Journal](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQczZHRzRsYVltMGQzZE1QdkV3Skp0TlZmTHNKVDF5ekg0TF9SOVRKeXh1UFYzRERuM1VHdmlwdnU4c0VCT3J0clFmak8yQ001UmlCT3V3ckNObmlMbkFfc1BFaHdiamREN0tmaVEyY2Q0TnRqTVBRUGo3SDFmb2R3RElTOHF4allReVZkeGZlWkZWUWY2NDFyRmtIdGRVOTdueVNZNGFBVTI4UmdJX2VXd3dBN3RtN1dIcGxwNXdXNFNpMzhHNW42b0xTMDMyUDFxWWZoMzQ2WDc5WU1sbHNXTHNKNWV3aFNhZXNDYllSelA4b3F0NkoxTlBGYnFNbU0?oc=5) · Idaho State Journal
- 2020-03-01 [Josi Gwen Grover Obituary Feb 23, 2020 - wilksfuneralhomes.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5iR0ZfT2lIb04zajZUUW9rejRLNlRCaFZoMmIxYVo4SXp2SjdKdERvX3h1Yl9WQXJ1V1NTLW5wdEVkdXJUUkFrNXJNQUFQdE1Ic01GdHd0ck1id2FEXzl2WVBfRmhSRHd1LWFvWjJB?oc=5) · wilksfuneralhomes.com
- 2021-10-26 [LuAnne Rasmussen Obituary (1943 - 2021) - Preston, ID - Logan Herald Journal - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbXlhZFJmQmdjRGVPNXFWWVp5UkFlcHdFSHlBWlc3X3B2b2wtY1pFUms3MlpVMklUSXJ4cUVBSHRYQng3N1BBdU1ia2lqb29DQjlHeFZXZlVacEVQeGFvYlV3ZXZPTkpzX09mV3JlWGF2LXprZEVMNXZsbDBFMWlnZ2xseHdQVTN5MUxTTno5dw?oc=5) · legacy.com
- 2014-09-05 [Pocatello rallies around family in tragic accident - Idaho State Journal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPRUxLd1hfUzhVamxObk1RMVFhS0lhUTZyYVJKLW4ycl9oMWRaOEdBZ3Y5ZXRjN1BXVG43UnJod1pIb3NtQUhuVFVKYi1icFZrbzloTHkwc0t2UlhYd0w0c3NlV0E0WW9hOGlZNk84TElaQXVZc2g5ekhDeDNSSnZvSFIyRWotQ3pLalZVcy1HMHhFQUVvaGtlYkwxblNyTllfT1RuUTEwTmlNSFIyeEU2eHFzOGZZNzBXdF9FckI3Q2k5bUJQcjd1Y05JczBtTDZNeDE4NG9PRFR3QQ?oc=5) · Idaho State Journal
- 2016-03-22 [Christina Eames-Jimenez Obituary (2016) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxObG9TTzd0WmRNZ3VJaTJhZHNZSjctbDVjalBzRUJ0eENzaWZjZWJEX3ExV3hMVTJLUk9Nb0J3TzlLbGdLN1p3a0VqeHRLNEQ1RjRIeFA3ZnFadXltek9kX041SEJqdFBJbEllR3M4QTBiRjhpMnZWdEE2NmJoR3pPOW0yekNEcm0wY0dMYXFLVHp5c0sxWmltcVZvaW5JQS1KeXFN?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8428 (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/44.json (key "8428", 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=8428
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide