# SNAKE RIVER
Twin Falls, ID · NCUA charter 8749 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/snake-river-8749

Who the members are: federal charter, manufacturing (single sponsor), organized 1953, low-income designated. 1,273 members of 2,546 potential (50.0% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.9M |
| Members | 1,273 (0.2% YoY) |
| Full-time staff | 3 |
| Net worth | $1.8M |
| Net worth ratio | 15.4% (p54 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 0.35% (p38 of band) |
| Net charge-offs (annualized) | 0.21% (p65 of band) |
| Loans / shares | 106% (p98 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.31% (p67 of band) |
| Operating expense / assets | 4.61% (p72 of band) |
| Vehicles % of loans | 50% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.69% (p57 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 | 9% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 41% |
| Average share balance | $3,895 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $10,836 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

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

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

- 2026-07-15 [New report finds health of Snake River has improved, recommends further intervention - Idaho State Journal](https://news.google.com/rss/articles/CBMiigJBVV95cUxOU0JFR1FGdXhtcG5xQkNBaFByQXhQWURfWk91RnlidDJSYldOYW93WEhqQ2tIVnhSZG8tX090bTdlRm1DLXN5bTFMN3N2ZkdYNmd0bWY3SWZPbnYweU9aR2YyMTg0RFphdUt5dl8xQTVOSklBUWFpV296MTMxZ0tOUTN6RjktdTdQOEU4eTBpY1pkZmtrOElwQklBUTNMUVNSSFo4NUlRVVhVSXJiSHhuR1NRYTRjRWZBWEdjc1Q5Vjh3R3ZzTVg3aTlIcEpBbHNvMUtPc0stTG1reC1FOEZsQ2NpSk1leF9VeGk0X1Nib0tiYzJuZ2kzR3RCSkRYdDg5YnhyNEh6VF9nQQ?oc=5) · Idaho State Journal
- 2026-05-08 [Groundbreaking Ceremony Held for Connections Credit Union Clubhouse - KPVI](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNVDFfTU90RUtVRGVEUGl1OGtYUkhScy1wYmRuM0dOeGxjUnlGbzJpaU9ZbzJOZjRjTEtYMXkyOWR1WVJONk5BZHd5NXZESUJ3MElEYUVaMTJzOEZ0Wnl0cXo0N2VyQTRfZFdDMlNsNGtmdExjdWI3WHV2akZRSGQ0eE8ycDVvUlNwTkFkYklXN2FoVDFCTjJuNjNlREdRck1WS1dUMWxBN0VPWk5CZzJmcG5zVWlZbXZ4NG5Ub0VxT09UU0o0bWExZE5Edy1WZ2p5SVllT0UyWkhTNEVpcHJTUTZIWTJzbEo4elE?oc=5) · KPVI
- 2026-03-28 [Idaho Fish and Game biologists studying what lies beneath Snake River's waters near American Falls Dam - Idaho State Journal](https://news.google.com/rss/articles/CBMinAJBVV95cUxNS3BjQWc2NzlwWVN4LTBQQ0dvWkdoZlRHZ2VMdlVmQWJ5UE50ZEdWUEdNSTh5ZlpqRV9LR21DLUEzaG9VS1hHZ2tueUZWS1hOSVdSZDlmd2ItTGxhWWoybVBDUlhSLW15MnFyazhGSkNXMUVkd21VYXZMUDZKSjZuU052WEowSmZOckRKcVZ6a0lCSWpyOVRKREtaY3plTUpEcWNqd3BFeTgyNmRPeFkwVGhHaVNfZmFaRzlVMmRPZVE1ZEtoX183V3VWaWRSdkIwd3YyRnZZdkRmdjVad3QtXzNDekNhT1pHRVpMYWdvczlCUEtGQW5qMmxkWldoZk1BVHRJdkRoejZSMHR1SkkyLXZMQnNIdkljV1BOVQ?oc=5) · Idaho State Journal
- 2025-10-01 [Community invited to local animal shelter’s 10th anniversary celebration - eastidahonews.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOdnFVakQxTkhRdFYtNXlhNmdKWkUtdEhGb2NuNmRocVN4SnhKMm01SXcxWGlXczB2Q0dVcmpzaGw0TzBnaEVvZ3gxelNsMG5ISXJuakltdm51VzNwVUxaNjBmSzdrSHZuV0c4RHQ0aUlfRUFaRjMwTThHYTVLU2dSTXdnSVVNMnRFLU4ycl9sNk1aS01TbmJqNDhtQjhrZWg0MXVjUzRJaVBINjBTN1NR?oc=5) · eastidahonews.com
- 2026-04-13 [Construction Underway for New Clubhouse at Riverside Golf Course - KPVI](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPVUQzd2NzQUhYd2w0OUJ4V3RubktlN0ZjWVBFQUNuR3ZaMW9uczFQS0d3aVhyQU96LVAtRHMzZkNINktlSnhXeFMzNHFsWTRnNnVCeS1nX05wbC1waE9zSFgtME9wZ3ZfT1YyVlF0UG5MV2xIU3FMYnpac2tuaW4zT2Rkd1p4RmJqOHlpV3QwOG9iUDdUMjE3V29EaHY0elNnZjlRYVpyQncwZUlBdzhYS25wOW9vMFZubUNWU3AzQTBuekxmTVo3RFZHYUw0OWFONUtXdjVsZDhQaG9jbndfZjBVZ05tZw?oc=5) · KPVI
- 2026-05-18 [Water shortfall triggers curtailment order for Eastern Snake Plain Aquifer users - Idaho State Journal](https://news.google.com/rss/articles/CBMihgJBVV95cUxQUnIzcl9LRGtMU1dubXNjTmJnbTZQeVVNRFNuT3kxei1pdG9fd0lMS3RVSHk3bzVIQTZVaXBZVnNMQWIzYU9RLW5NRDAtQmhodGhDU0YtZWp2SlNwNGJtY1lzUldnczVPUnczMzVmVXlUN0p2YjJra012anNRX18xdXVBalN5SWNGUjFYb2xTeUdMZENXT3hKeTlEQ01RWjVDMEFGczNpeVFOTTdfZkdkdDJIc2lXbWtCUk1NZlZJVTNPUlhldVhlVG1lRE9nVEwtRk1fUl8xV1RFc3RCNUdfMWV1MXZpZkxDbWlyaklHVVVZV0dFYWNhQ0lqOUItTGVIbTFLX0JR?oc=5) · Idaho State Journal
- 2024-06-17 [Thomas Melford Denkers Obituary May 17, 2024 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTE5BdUN3VW53TTNxbmFrMUhHTktnN2JYRzZSLXJ4Q1ZNYThVeVJ6VjFCd1BtbTFObnZyT25HR1V1NmpiUGhxNG5vdkEyQzY2VDFOSWlNX3BrcVlvZDBsR2ItUzJkSGU1WWpGZWpvWlhXbmREdWJFOVE?oc=5) · Wilks Funeral Homes
- 2026-04-21 [Carolee Price Obituary Jun 20, 2022 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBHWTJwNjNLQ3MyaXVMZWZvQktYX1dQUTN0WDdCejZEOTZzX01mZ3dVakpraEhHVzhZdW5QTHRTbXVQT1lxWVV0bmNtNkhZZzQ0MFR3cjNWLVRqblZTZkdWV0VoZ0pKeVE?oc=5) · Wood Funeral Home &amp; Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8749 (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/45.json (key "8749", 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=8749
- 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