# WENATCHEE VALLEY
Wenatchee, WA · NCUA charter 9098 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wenatchee-valley-9098

Who the members are: federal charter, community charter, organized 1954, low-income designated. 4,446 members of 91,000 potential (4.9% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $32.3M |
| Members | 4,446 (-2.6% YoY) |
| Full-time staff | 9 |
| Net worth | $2.3M |
| Net worth ratio | 7.2% (p5 of band) |
| ROA (annualized) | -0.22% (p18 of band) |
| Total delinquency | 0.58% (p44 of band) |
| Net charge-offs (annualized) | 0.21% (p60 of band) |
| Loans / shares | 60% (p57 of band) |
| Cash / assets | 16.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p70 of band) |
| Operating expense / assets | 4.67% (p80 of band) |
| Vehicles % of loans | 34% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 64% (p95 of band) |
| Vehicle delinquency | 0.21% (p40 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.11% (p91 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 6% |
| Average share balance | $4,062 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,645 |
| Loans granted, annualized | $8.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, charge-offs p90, repo signal |  |
| 2016-06 | 2 |  | losing money, charge-offs p90 |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 5 | members leaving |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 3 | delinquency rising | repo signal, losing money |
| 2017-12 | 3 | losing money | delinquency rising |
| 2018-03 | 2 |  | members leaving |

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

- 2026-06-17 [Wenatchee Valley nonprofits awarded Numerica grants - ncwlife.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQR0Z6NFV3X3RCZngzUkVjWUo0bmZNR2pDR2FkSWVDZ3pGUFl4SExqdmxXbE9SWnh1ZGt1SU8xRkk2enhXRUtNWDhvSVA4elBBSUhJZmxCT0JBcUN6c05OcXRIOXc4UDlFeGN0VWE3TjlYcmtFUmF2TEhuVVBmdW5kZXRSaVlYMkZIblJRcm1md3M4Unl0VjkxVy1Ra2M1eUxrWUZlVWFlaEtVLVBlQnpwM2lWaWZaem9Cd0hTdzZFeXh5VFhGTVU5emlB?oc=5) · ncwlife.com
- 2026-02-10 [Rails & Ales returns to Wenatchee with 3 breweries this year - The Washington Beer Blog](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRTBfTTVrZk5oZDRRTmVRUHFDSGpBVlBPVEtCOS1JeTU4N1lyR014T1lIcGdqZHUybU5kemU3LWdpb2dlUGtmdmhLbjhVblN1a0k3ZHk5bWtGRHloX040dzVRbHZHdUdCaWpaYzJ6blBGOWwwY3pKSTRreUJPV2RYdGxyTkt4YzhMbGtfOC1fWXFDM00t?oc=5) · The Washington Beer Blog
- 2025-03-26 [Numerica Credit Union To Layoff 25 Employees, Including Some In Wenatchee Valley - NewsRadio 560 KPQ](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdVlON3JrNWNvcHYwX3dDTWdfUzhqYTB4STZlUWFjbGE3dXJZNzhiR0Z4ZnkzZXVVT2p2aWp3NE80eFo2ZHBBbGcwcjhYZkRrM1ZhOVFJMFA4RU1XZVNvWkhUaGxiWkRVTXpKd2lRcHVlYkxralhQSzMwYkRHVDBCWmFiVV9COVVuUkVPQ0FuZm96YnAwaE9Xdkl2Tk0?oc=5) · NewsRadio 560 KPQ
- 2026-07-15 [3 Wenatchee seniors receive Numerica Credit Union scholarships - The Wenatchee World](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQcEM3eEduUS1kcjlFQUxYWW9SNWVDZTZfMFRmajdpLUd5M2NmTzFwMTg5ZE1yT0trNVpxS2Q3QXM4RW4yQ2pfbnlieXYxRVc3UDA0aTc3UzBRNjRmNFlhM3RMY1dDa0dJVGVneUREV0hnUXhaOVJPelRaVXc4NVZsOUloOEhCamxHcE9FM1VEOWFYc2JKaW5rZl93eDhxa0tpTnhsaVJWdkFxSWxJODExTDRMMFNOX044X3N0U1pfRlFVU2JEXzByc2lSMlV3c0FQb25qdUxxVDRoRDdBTzRZdFBNN0w0LUU?oc=5) · The Wenatchee World
- 2026-07-30 [Strategic focus grows Numerica Charitable Fund - Spokane Journal of Business](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUlhFOVNhZExZaGFmSFpQNHVJTl8tT1BfRFcyX0dYbTg2UEtiRnhpLWRYak5HcmxtYUdRcnUydUFQLXd0LTJWdmhYRUYtR3B2aldZUFNKeUVXT2dUX1dCTVMyeUdUakFRaDJTN2lNb0ZoUjNIdUNzRVZPcVpBZ09pYkdkNjBnTU1rOTlfU1ZQUERneHc?oc=5) · Spokane Journal of Business
- 2025-08-19 [Chelan’s Anne Brooks Recognized as a 2025 NCW Cancer Hero - Lake Chelan Now](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSkNyRDE5U3lMNjl0VXJwM2JBWEFtaUpCYUxYODNwVV9CNHlPOXFITnFCOVlCa0NXcFRVa2JIUDJpX1BJU0c1YTJkcjc2NVFLeGcwSGNCcTZ1ekJCbjRPSWpVWDV0c3ozeEZLUVpjT3FpSUxMLW04UWdCODJDbmFBUHl1ZnhQZFVpZHZ3?oc=5) · Lake Chelan Now
- 2025-06-23 [Numerica’s Cash Dash returns with prizes up to $1,000 - krem.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNalkwRDBCTFFvRDdxbnpPZWpRQjJYTXZ3b2JyOFlBQUhoZFJ0d01aVGNxelBXTUlwT3AxY1M5N0VjbEx5cm5tTmlTNVl2bHB0UHYtMVJya210NTJVbjlSWVc2UmV5d1BqM1VOZHF3S1hNV3o0eWx0SENPb2NYRUlINEtWLWVIR0Mxd0ctS2NDUTY5ZUZDUXYyVWNaWG9JcElpZ0ZKODBSVzE1Y0VWdEwtMVN4S01Da3ZILUVlbkNleG5TeENt?oc=5) · krem.com
- 2017-07-14 [Numerica to open two new Kennewick branches this year - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTE03T09fbVlkWUV2ZmpvczhmcTY4YmVNSjdQVHNCZmNMUS11WlB4bWtPSVpsZWk4Smc2MmI5cUMzZTNhRERXUnpadnhTdWNoS2JLRUJneTEwLUVuU0Q2ZnVF?oc=5) · Tri-Cities Area Journal of Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9098 (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/10.json (key "9098", 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=9098
- 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