# LOWER COLUMBIA LONGSHOREMEN
LONGVIEW, WA · NCUA charter 9289 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lower-columbia-longshoremen-9289

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 4,224 members of 6,300 potential (67.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $96.1M |
| Members | 4,224 (-0.1% YoY) |
| Full-time staff | 12 |
| Net worth | $11.7M |
| Net worth ratio | 12.1% (p42 of band) |
| ROA (annualized) | 0.63% (p45 of band) |
| Total delinquency | 1.36% (p83 of band) |
| Net charge-offs (annualized) | 0.35% (p60 of band) |
| Loans / shares | 60% (p48 of band) |
| Cash / assets | 41.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p37 of band) |
| Operating expense / assets | 3.49% (p47 of band) |
| Vehicles % of loans | 23% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 56% (p77 of band) |
| Vehicle delinquency | 0.80% (p62 of band) |
| Vehicle NCO | 0.42% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 17% |
| Average share balance | $9,863 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $19,048 |
| Loans granted, annualized | $5.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 0 |  | losing money, delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency 2x band |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 4 | margin squeeze, delinquency rising |  |
| 2020-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 | delinquency rising | margin squeeze, net worth falling |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 2 | delinquency rising | net worth falling |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | delinquency 2x band |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 1 | assets shrinking |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 2 | delinquency 2x band, delinquency rising |  |

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

- 2026-05-28 [Credit union organizes fundraiser for Longview implosion victims - king5.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxPOXpBSFJ0Y1MySUJWX2VDZWM1czdKMWlybTFqSF9FbW5kRmJZVEVRR2ZmWVY4aUZseU96MFVkbEVyb3hTdWVONDk2ejBiYVRNQmg0R1lvdW1zbUlZU09MNXFHV2I3NDBMd0ljN3k0eFhCbDRWRl9jSXc4am5HMVhhRFI1bE1LWUMxUUs2UjRFNmVkcFkyZWYtOUJsd1dKYm9PZ05rV1F6b2FpdGxpeUgtbGlfVFZHLVQ4dW1fcm9LeXNuS1lfNFotZGtPUEZSb0p1Y2QyTnZnYlVTRzlIUzdKZG9hSUZuZ3dTZV9YSlI5MjNpdXdjdUxLbWxJXzFOWXlYN0RGeg?oc=5) · king5.com
- 2026-05-29 [Red Canoe Credit Union Donates, Collects Funds for Relief Efforts After Longview Plant Explosion - southsoundmag.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNWHhyTXc5RlVtdURmYzB4VHRYMXljNDlNcXhGX0FSWHpPM1FGSVB0MXV4SWlMM05zck42RDQzVmtraEk0RDhoeWV4X1lpdUR0cHlNX2k1THdCTkZ3NzVmc1BYV2V5NHY1andhNWpCOFJzOXlaaUF6SGxneEtad25rdmxOZUJmcVFQXy1rODQ0U21oSEQ5Q0JEUUdrV0I2R1FSR05HUmdMNXVoblhVc1NnWXlNM1FXLVNaQlFDeDgzWS1iWmVYUXZYQXFSaC1LTHUyZGRZSEdIbmI5TDdRY2t2T2M0czZfTFQtVExB?oc=5) · southsoundmag.com
- 2026-06-09 [Here’s how you can support Nippon Dynawave employees and their families - KOIN.com](https://news.google.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?oc=5) · KOIN.com
- 2026-06-01 ['The community needs the loving arms of WA': How to support Longview after deadly plant implosion - MyNorthwest.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNYU54a1VoZE9rSHJJakxCVElITjFfaVVFazVhdTg5c3lVOFVTRjBkYmczSjA3Yk5oNi1uQVZINC1OM0NrNUU0Qzd5aFdnNVFoYzZoWHhLWDU0OFNTeTJvQi0xaHhGVEtyTHRHMXNLZ2Q4a3dqNnNRdXJ3QllPQUQ4ald3?oc=5) · MyNorthwest.com
- 2026-05-30 [How to help Longview community after deadly paper mill implosion - The Seattle Times](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNaHo3bWJyUVJwV0s1UmtYbHI3RWdtM1U1LXRnZGJTVkQ3ZDJmUjRwdWxFRFBqWDBkbXg1TVFnTHNRTjlVWEhJS3NRT3VaaTVmWmw0azRKTTdvZXR1cXNibXpUeVJBNlVNVVZ3RFlvTjN0NFA4LV8yQWw2NmgzZG1LOGJqX2NDRFBIOUNlaXBWUnVLcGNhaXFwenBRbm9VcDUtTHJ1VlIxSmhMV1U?oc=5) · The Seattle Times
- 2026-06-03 [Longview paper mill accident kills 11 workers - NW Labor Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxObjhOcElCeGhKVW1tYzU5VWFnSWJJc25kN2NoRHBBUXAzWnpaQXNVTUFnRnlhQ1JxcVg2T2NUUmxVUlFGbTRYbnlfbzZMVzk3aWl0b01EVGF0NVNEbVl3ank4X20xSG9zcEhoYkVueUNWNWFwSGx3LVVkOUFPWVRSQkVZR1h0Zw?oc=5) · NW Labor Press
- 2026-05-28 [Community rallies around families impacted by deadly Longview mill disaster: 'Everyone has come together' - KGW](https://news.google.com/rss/articles/CBMihwJBVV95cUxPNTFnQXBFTXB0anNEeS1NOG8yT1N6NkppWjZhTkNMOGJqaWJOUjRmRGlGXzlONC1MRzRfRDlNMzc5RGwwWDJqSTlXU1o1aUpGWWR5ZEtyamhPYWxVSlNPdGFzdGlTaTlYLVRORTJ1RFRfaWFKNUFfOWkzQmV1THNPTkI3UkV3R1pDM2VDMERMX2lfOVB4eTRiTVpEbTdEbGsxUk5UTGtmRU1rN0x1VjBjXzBwTEdJVVNCOEstNEhXLS10Q3Zza0dxVGNad01ydmdsQVlwcm9qWkNqamJERzF3RnRQNWt0OFNRM1NYelZwMzVCeGctSVNNbzVodEN3ZzVnSERBQVJLYw?oc=5) · KGW
- 2026-06-01 [How to Support Longview After Deadly Plant Implosion - MyNorthwest.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOaHJMZFBvR3N3UmM4UzlaVlo0ZFRLUTFBM3FlcEZEcXVBOWdrN1VCSEpiM3AzRFdQeTcxQTZjbmFmSTM4a0RSRXFmSnJ0NGR6SlJodFlsenRUaGdnSVdYWlNlVEhkb3BpM2lWSEhnTnoyWVVrM3ZlMnBQamFYTWdqcm5RNUtiWDV3X1ZKaXI2N19vS3g4SlN3T3RfY3RWRkI3M2hCMkdiS0pXSTk4b2dUUjdnZmdsTWRyMTNaMl82MGJlQQ?oc=5) · MyNorthwest.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9289 (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/9.json (key "9289", 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=9289
- 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