# ELEVATE
Brigham City, UT · NCUA charter 9163 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/elevate-9163

Who the members are: federal charter, community charter, organized 1954, low-income designated. 15,277 members of 194,000 potential (7.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $260.0M |
| Members | 15,277 (2.5% YoY) |
| Full-time staff | 39 |
| Net worth | $53.1M |
| Net worth ratio | 20.4% (p99 of band) |
| ROA (annualized) | 1.56% (p92 of band) |
| Total delinquency | 0.12% (p7 of band) |
| Net charge-offs (annualized) | 0.26% (p36 of band) |
| Loans / shares | 77% (p56 of band) |
| Cash / assets | 6.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p20 of band) |
| Operating expense / assets | 2.34% (p8 of band) |
| Vehicles % of loans | 37% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 47% (p40 of band) |
| Vehicle delinquency | 0.21% (p17 of band) |
| Vehicle NCO | 0.52% (p43 of band) |
| Repossessed % of vehicle book | 0.04% (p61 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 49% |
| Average share balance | $5,980 |
| Participations bought / yr | $9.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $67.3M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $18,140 |
| Loans granted, annualized | $51.8M |

## Participation posture (from the same filings)

Bought $9.3M and sold $0 in the latest annualized quarter; $67.3M outstanding purchased (126.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 4 | net worth falling, delinquency rising |  |
| 2019-06 | 2 |  | net worth falling, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | auto monoline, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | net worth falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 0 |  |  |

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

- 2026-04-24 [Dakota Credit Union Association Names Joe Keller as New President & CEO - CUTimes](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPOVNtOXZnNWtMN2x4MVMxaFRqRFFUSk85akRiSnpRRG9pSGJMQjRnNUQ4Y0txaUl1bGZhMlJqY09fa0k2VDdrVVF1Rlh2bTdsd2dGRnpxVi1hQXF4UnpkdjU3MzQ0UUVmRmVUdDBoN0prb1QtTlRvVEFsYnVtWmtVUmpCUHQxdHRYaV9Va0N1STlJZ2pmTFVtRWRxMTdBUG4tUkdQNGxpbWRtQQ?oc=5) · CUTimes
- 2024-10-03 [Tamara Rasco Obituary - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5teFpINU9LTno3WC0zY2JTY3phLXRxSGxRVW8wN2JuLTQ3ejNQSGxUV3ZXdWpqQU14R3JNc3JjNFF0bFp5bGROVUZRdWkzVTkzR0tMR2xJNTNqSlJScU81RjViQUZBcV9S?oc=5) · Lindquist Mortuary
- 2019-04-22 [Credit union expanding to Logan and changing its name - Cache Valley Daily](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPWl91TzlSLWJvODIzckFXaVdEUzl6TEVzOWVOTURxNFEyUW9OaXdIMWR5V0UybTY1dmZVa2JNeGlGT2p5SHRSTXllenFaTUstUFR5c1U5cGdEczRWcTRvTEtHRnI1bXZxYk8zaDhLWGYwTGRJR3JmN2hYb3JNaHZ2ZFBRZENGTmV2dFBVVHI4UDJ0azYyWHcyOGxzWm8xMWtmZ3RVaXc4T2lWYTZGVkZKRnBDb1BjbkV3SGRwdndiVmtHN1pUX1RwT0VjNzB0S2Vab2doSG43ckg?oc=5) · Cache Valley Daily
- 2024-07-11 [Utah First Credit Union Announces Opening of New Branch & Giveaway - Business Wire](https://news.google.com/rss/articles/CBMivgFBVV95cUxOdHBDTzVEMXZoaHNJUlR4aC1QVXpxUU9YZWF3WnI0WWlkZlpIVEFGNVpzaGtfN2t6VUdCY3NsNHdjclh4UnZYeEFydjBWTENWODVNX0ZyVktyMVV1SWdtZS1fN3h5eGNUNUVaX0VkX0JwQlZkb09aLWpSMm1ETHpUcnVEYkJDcTByc2N1WVEtOFRCOEhVdUVsM2tMQ0xtcDZYdmhCNFZ3aUtEbHBLS1dBbXBGMnVubkVhTVN4dWZB?oc=5) · Business Wire
- 2020-10-14 [Larry Roberts Obituary Oct 14, 2020 - Rudd Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RZ2FodFVTNFhGN2xEeU5ZR2RWcFI1VzFQY3l4aUFHM0pzZHQ4c05UcXVrb3BxRlJaT3JuVGxYV2l6WFpfbUJMSFRvaGdZZWdpQ1NNZHA1TnRqUEtQU3NsOGlicXhEN28?oc=5) · Rudd Funeral Home
- 2025-03-10 [Elevate Small Business: UVA Community Credit Union - cbs19news.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNN29yWTI1WXVwRjdqXy1WVlAwMUZRUHRmdW9jTkJGYlJaaDBaQlhtTHloSFItemFtSDZ5VGY5aXd4dENQR2V0ZzhzaXhpRGRIMHNTNEFRNUNzbTZnWXg0MF9adExkaUY2SFlpczIwV0s4UE1VVTBTUHY5U2FqdmhXczVpTEpQYmlrNHZ1RkpvUUJJSWlYeldrT1JJQW03T1drTlBtdUtEU3RDU1g4cGhDaThNX1FwZUJ1SGlRYmlkT0pqUHdNNXV5LXA0TWRzVDE4TFBuMGpsSThoTllvQ3I2NWZkRkVtQm5QRnlZ?oc=5) · cbs19news.com
- 2021-11-01 [Merrill Tony Martin Obituary Nov 1, 2021 - whitepinefunerals.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5pVEw5SHExR0Z6ZVBvYm5yN3gxYm5hNkY4SlVLdkthUDZ3RURiZ09TVGpha3c5ZVpYNW9VWTJmT2RkWTVxNVd5VDBTNTVRMjNQdHhNMGw3ZE93SGpZVktlWWNVQzM0a21QdzJZ?oc=5) · whitepinefunerals.com
- 2016-01-05 [USU Credit Union Donates $2 million to Utah State University Stadium Project - Utah State University Athletics](https://news.google.com/rss/articles/CBMivwFBVV95cUxPcWZmWjZaYXM1ZFNqTmQ4YktDd1FucFBrT2EtU2JpOTVQalZFRlZFM05CeEh4bzAycHpsZkJNYXFlaVZsOTBKUVlGNEpyWDVnYjcwOXR1VkFQUmlYX0hVcGo0LVlINWNrd0UxSkM0ZmotNjd2Ymw0NHB6LWNEdUxDQ25wRHpuVmxMUkdCcGRuTjk0cnI4bElpWUZyV25xdmxXRU80QUlUcm9kU01WMkNIRXZJczRYd0Vpd0h1Y2c0cw?oc=5) · Utah State University Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9163 (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/11.json (key "9163", 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=9163
- 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