# SAGE
Klamath Falls, OR · NCUA charter 960 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sage-960

Who the members are: federal charter, community charter, organized 1936, low-income designated. 25,905 members of 732,880 potential (3.5% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $387.8M |
| Members | 25,905 (3.2% YoY) |
| Full-time staff | 99 |
| Net worth | $38.6M |
| Net worth ratio | 10.0% (p28 of band) |
| ROA (annualized) | 0.59% (p42 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.48% (p60 of band) |
| Loans / shares | 76% (p53 of band) |
| Cash / assets | 18.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p91 of band) |
| Operating expense / assets | 4.41% (p80 of band) |
| Vehicles % of loans | 48% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 195% (p80 of band) |
| Vehicle delinquency | 0.70% (p59 of band) |
| Vehicle NCO | 0.94% (p66 of band) |
| Repossessed % of vehicle book | 0.07% (p67 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 121% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 13% |
| Average share balance | $6,790 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $20,313 |
| Loans granted, annualized | $101.8M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | delinquency rising | net worth falling |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 | net worth falling | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 5 | net worth falling, losing money, margin squeeze | delinquency rising |
| 2020-09 | 3 |  | net worth falling, losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 4 | delinquency rising | net worth falling |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 5 | capital below 7% | margin squeeze |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 3 |  | capital below 7% |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising | thin capital |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 2 |  | members leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-03 [Sage Credit Union selects Rich Christensen as new Chief Operating Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPa0hUYTRlT0U4cjFzVVZQdTdSdG9PRGpzUzdBbXhRMERMM1ZhSEl4U0h4QTU1ajdxM0RyYUw1Q0ZBY2JfbVlNUUF2RUl3VEg3WEJKbkJCdFBadUpKT1MwUk5kUW1peUszSEk3bGhmcllkbXVjNUdwTHh2eC1YSzRjNHlrQUlqeUp3WWVoQ1haNmNra3M3Ym5OTWlNT1pxM1hlRV9Tek1QdHRma0o2UmFKQnhCb1M?oc=5) · CUInsight
- 2025-12-30 [Pacific Crest will become Sage Credit Union on Jan. 1 - Herald and News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOQkdpc2NwUG5zSmxMRG1lY2lfMUE5UmxQMWFSUzJxQUc5MUFDS1pxWEJvaVZWb2ktaUE1UUN1OGxaNUhKYVhoSVhzVTQ0aUNYMU1aVHRhWmJhck5abEtqbGE1aW5JNGlIb1lTeENkYkZ0eXZia3J3ME1PWkJua2k3NGhhVzAzQW55UGI5UXhWUWdEd3NqcWRsdDEzMF83M3ZnZVZTQ25SVWpIdnc3emFHQjBla3RNeUVSYW9DSXlHWjZNWXdEZWF2ZXVWWXNjNVVqNExv?oc=5) · Herald and News
- 2026-01-12 [Pacific Crest is now Sage Credit Union - Lake County Examiner](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTm9RQVg0QmNSaENtLWE4MXZTd2x3dk1Majh5Mkl4QnRXcFNNWlhXeHBaeDQ1QXNUY3hqUWxtVXpMREhoZ2tma0NqTXFKLU51QVgtNzh5c281cVg5aUFJb1VyYjR6Wms0dm9sRGoyc2ZPWDh1V0tzSzlOZ011ZkxTbWpTaTV6Y3VHQ0FOYXpibUtiRWNibVVBNnJYeEwweXdBR2h6ZnVQZEFRcWlJcHRVSDlJdlMtV3RBbXNLWGc4TVZSSHpydTRaVmNqcWdNQQ?oc=5) · Lake County Examiner
- 2026-06-11 [7 Career Moves Include Leadership Transition at the Illinois Credit Union Foundation - CUTimes](https://news.google.com/rss/articles/CBMivAFBVV95cUxPNWF0SmdoR3l4ZWNxLTg4Vy1wQVZwZm9heWRpcGlJeGpxU1M1NzN0Qk9SVnBJUWFlMXh0YU4wZ3dPSkNndmxGOE5LcjlsMlZ1MnM1RUE5cVF5SEFHUWRYeDlMLXJENHc1MkF4cUZfZ3g4eGtvR3JKempjVmY2SVZKaERjSHVJU2VsTEp6Sm9FaWFhaVdSR0M0Tkw1Q2MxZG1xd0JWQUFvOURxdGgteHVqTndxYXVYTjdOY093Mg?oc=5) · CUTimes
- 2026-07-15 [Blue Sage partners with Kinective on mortgage modernization at community banks, credit unions - HousingWire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPcEVXUkh4MVhOR0dqWW0weTJZV1BwdWsxdzJQcS1KcHRwQXo5cERqTVRnTjlUaFpiSFVYRzVhZERKZjNXYU5SSXpCTGVWbzBScmhEbGhVX1F5emJZS0RuUzFPZFdQWnR0WXRyLWRQQjJ5ZkNFeGdScHVObHpXNXRIbEhwMWI4MGFJODMza2dkd3pkY0dEU0x2MGgzRDZROTY2aGhNNEtYWjlCeFF3YkUzZQ?oc=5) · HousingWire
- 2026-03-24 [Sage Credit Union to host Spring Break Baaaash in Klamath Falls - Herald and News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNOFlpNlo1R3FlelFRSlVQRThjSUcxYzV0U1VtVTV6N1BsdGZaNjMwY1BhMk5qMFFJRjV4dmxJd0lySUpIR19OcVhiUW0zN1NhUmE3QjFOQ2RWSEZFbWZ2d1RLOVMza19DU1pneldtSjg5TzBOWmQ0Y2Q5aWtmYS14TEhnUlpHTGtLeWlNcENnX0VYYW1keUxJRUkzRnMyaWNaVjRJM3ctRDB3Q3liY3FMdHlBbktuemQzWk85aVhEWVl4MndwTVk4ZkNjY2pKeGdPWU01M3pLX0xFQ0U?oc=5) · Herald and News
- 2026-06-16 [Kauai Federal Credit Union helps 5 students - The Garden Island](https://news.google.com/rss/articles/CBMinwFBVV95cUxOb3Y1Y2sza2NJcWpiaWhDZ1BWd0hSSlJ0dEtPaUp6OHVTb09wZkUtdE1xMVFjY3hIeW5DRWxDRFpiWWhTckZab1BVRGRnUHFmaE1CTmVZeHR3RGhZcFRoRlpreFdJaEQtaXN6SVYzNlRhTnlJNUhLWUtqN0NCMTlJSzBxT3JwREZQaG0zVkZQM1k5RXhOMHkyZUVrUkRKSDA?oc=5) · The Garden Island
- 2026-07-10 [Parks & Rec sees a new park in this vacant Golden Triangle credit union - Westword](https://news.google.com/rss/articles/CBMijwFBVV95cUxOalJtUlAxWno4cjVXQTd2bWZfQlZkU3RiOGVSRUFyMmo0Vk1RLTJ3aFNsNExxVzdSSmt2MnZUcTl2eFB3ZTBqVDJzeUJvSmpCNXJxYXg1cmo5X3lhQ2UtWHNTME5aNldSUHdPRTZrMzdaYnNQeHhZd0JKcTZXak9udDlJdXM0QUtEWHFzeE9UZw?oc=5) · Westword

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=960 (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/0.json (key "960", 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=960
- 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