# PATHFINDER
Casper, WY · NCUA charter 9148 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pathfinder-9148

Who the members are: federal charter, community charter, organized 1954, low-income designated. 4,352 members of 131,950 potential (3.3% of the field); checking penetration 65% (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 | $70.1M |
| Members | 4,352 (-3.7% YoY) |
| Full-time staff | 17 |
| Net worth | $7.7M |
| Net worth ratio | 11.0% (p31 of band) |
| ROA (annualized) | 0.88% (p61 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 0.08% (p29 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 24.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.24% (p80 of band) |
| Operating expense / assets | 4.76% (p84 of band) |
| Vehicles % of loans | 37% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 89% (p84 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.18% (p47 of band) |
| Repossessed % of vehicle book | 0.06% (p81 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 33% |
| Average share balance | $7,544 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $273,245 |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $18,829 |
| Loans granted, annualized | $10.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $273,245 outstanding purchased (3.6% of net worth), $806,340 sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares -4.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | thin capital, losing money |
| 2017-03 | 2 | assets shrinking, members leaving |  |
| 2017-06 | 1 |  | assets shrinking |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 | repo signal | delinquency rising |
| 2018-03 | 2 | thin capital | repo signal |
| 2018-06 | 2 | repo signal | thin capital |
| 2018-09 | 1 |  | repo signal |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 1 | losing money |  |
| 2019-06 | 1 | delinquency rising | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | delinquency 2x band | members leaving |
| 2021-06 | 2 | net worth falling | delinquency 2x band |
| 2021-09 | 4 | thin capital, delinquency rising |  |
| 2021-12 | 5 | 3rd-party paper>100% NW |  |
| 2022-03 | 3 | delinquency 2x band | margin squeeze, net worth falling, delinquency rising |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 3 | expense trap |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | members leaving | expense trap |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | net worth falling, delinquency rising |  |
| 2024-03 | 4 |  | net worth falling |
| 2024-06 | 2 |  | members leaving, delinquency rising |
| 2024-09 | 1 |  | thin capital |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | delinquency rising, members leaving |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 1 | assets shrinking | 3rd-party paper>100% NW, delinquency rising |
| 2026-03 | 2 | delinquency rising, members leaving | assets shrinking |

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

- 2018-11-30 [Pathfinder Federal Credit Union merges with Families First Federal Credit Union - WyomingNews.com](https://news.google.com/rss/articles/CBMingJBVV95cUxNMjU2b0twLXN3NGZuT2M0T2pmT0ZTUUlzQlhLVXY1QlE2dGNfcHhpb0xJNm5fUzgzaXcwalJoLTQ2OFFUYzR1N3pWVC1JUnlVS3QwS0cxNzhpT1JkZXhmZHJjU2ZDa3BwTGtuWFFfcFU5dVNTTmJ6NFpqbGVvX016NUtfaURBY200emhSY0FvN283bFhVYTlySkdiREpkbHZaem1NU2FRb2QydFNYRk9IekZkQUZvUFVWYnVCMTJvSXdXNS12VExmTDVETFZFd2tfRzhVOE1oZUxjWGNjdmtldzVLS2JMcVRsY3BKbW1LRVkzS0pBRU9iaWVsR05INm5WRDVYVVI2a3Q1WXpOaThZVVlFOWpMd08zV05kLTVR?oc=5) · WyomingNews.com
- 2021-11-10 [David Witt Obituary Nov 10, 2021 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1DSk50VFo3U2o0SlpOenJFWVJKeTJhb1VtTHh2c2FnQUEyTmsyRGZyQUs2Q3VxaDZkNzVhZzkzMmFOcE1ZNnYzd0ZTS3d4cVdIZUdsQms4YWhJQnBCaGU0?oc=5) · Bustard & Jacoby Funeral Home
- 2024-01-29 [Casey A. Kler Obituary Jan 29, 2024 - newcomercasper.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0ySzl5R0FubGVhVFNyS20yaXllVHhiSFN1SmNENjktUUQ3aVZOcFFFamt1YnM3SW1abldTNzlaVkhEb0Y5WEJldkZmZnpwUHJjZEtTVXZUMVdDRWtJOUNJZDBn?oc=5) · newcomercasper.com
- 2022-11-27 [Enter Your Child In The 2022 Casper ‘Christmas Kids’ Photo Contest - K2 Radio](https://news.google.com/rss/articles/CBMibEFVX3lxTE5Kem5FNGMxQmtjbnJsb1NYOWpuOWpvXzM0M19qUHlrUkJVNzI0akVPc05JWGF5M1hsZ2ZhaWRuWWNWSWx6WmVmMDhEbV9YOEJxV003ZVJIQzNpYWpNOWpiOHAtaDNNeFhycVN5aw?oc=5) · K2 Radio
- 2022-12-21 [2022 Casper Christmas Kids Photo Contest Winner - K2 Radio](https://news.google.com/rss/articles/CBMid0FVX3lxTE1tM3JaOVJFTzh3ZzMyaTI5Tm5ZdzhobWZsZEtGalpxQnlWZUk4cjZ0bTVVNHlSaWNkU0EtMkJDMW5JcnBLd3k1d18zVjdfOVBxRmlMVEMyVERyVUF1RFg1S0R6RUJCR0tjejhBV2xBR1BfVFlINVdB?oc=5) · K2 Radio
- 2020-11-05 [Patrick Freiberg Obituary Nov 5, 2020 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5QSXd2WDFwcDJjRmxIb19MVG9ZckFXOGZMTHZvc3VoWlFvWUdXNkdNbmU1MzF6c2NlYVFjbXFhMGItSVp2enA4UEwzWi1ZenBJdFZNZWVWVlkzdloyUkpWZ3NDTVlNVk0?oc=5) · Bustard & Jacoby Funeral Home
- 2024-05-23 [(PHOTOS) YMCA of Natrona County's annual Wall of Honor event celebrates strong communities - Oil City News](https://news.google.com/rss/articles/CBMiygFBVV95cUxOb2pERjlNUXV5a1JYOW5UOERhTGF1VWJpcFA3RE1FY1U5TWtPams3VE1pYWhpQk1XbnpnRWpEWUJqa1dxZk1iYWZGdFRVSjBRSzNma05JR3F2cFA1VUIyeERlb2hvT3FkNzhYRHBWclZEc0duV21fN0hBR1YxNUgwMHc1bU1UYjNnQmVUbkpGNGZ1S1BJTEh4ampZLVRKUm4ycUZjRWNtWGFVWWdxdHhiOTVRQ0laTHF4QS1rSF9iSkVEbGNrMlBKWVJn?oc=5) · Oil City News
- 2024-09-12 [Meet the ‘Stars’ of the 14th Annual Dancing with the Stars of Casper - Oil City News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSkd4NEdDTVc5NDBuOUhQTUtmbl9IdVdScnBBaGVRTmx1UXE1N0tYQmRXUjZ6QkFOU3QzYVNaeG5GOXlSd3U3c3Axa1dMM3FZSGg1Z3FRZnZ6emhoRnYwVVBBN2d1cU9uX08ySHRxckdZZUVWc1JoMmZJbW5rX3RlMG5TVC1lRHVmRnRlUW5RdVFxZ250OGlJZHhjUHQzVER0bHBjQmZmdXZkOHJ2?oc=5) · Oil City News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9148 (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/60.json (key "9148", 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=9148
- 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