# LATAH
MOSCOW, ID · NCUA charter 97102 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/latah-97102

Who the members are: state charter, organized 1969, low-income designated. 8,264 members of 373,370 potential (2.2% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. 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 | $169.2M |
| Members | 8,264 (3.1% YoY) |
| Full-time staff | 25 |
| Net worth | $19.1M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 1.59% (p90 of band) |
| Total delinquency | 0.46% (p38 of band) |
| Net charge-offs (annualized) | 0.09% (p20 of band) |
| Loans / shares | 61% (p34 of band) |
| Cash / assets | 32.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p34 of band) |
| Operating expense / assets | 2.34% (p10 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.31% (p30 of band) |
| Vehicle NCO | 0.57% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 131% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 19% |
| Average share balance | $7,592 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $32,264 |
| Loans granted, annualized | $23.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-09 | 1 | thin capital |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | thin capital |
| 2020-03 | 1 | thin capital |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 | net worth falling | delinquency rising |
| 2022-03 | 5 | capital below 7%, delinquency rising |  |
| 2022-06 | 5 | losing money | net worth falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 2 |  | capital below 7%, losing money |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | thin capital |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-10-27 [Former Onaway City Clerk Wanted On An Arrest Warrant For Allegedly Embezzling Thousands Of Dollars In Public Funds - Dailyfly News](https://news.google.com/rss/articles/CBMi5gFBVV95cUxON3dNbEVLcnpVX0hicEtMRllEWGs4SkZBVHNEcHloczNlcThjWTZxel9vUUtsOGI0di0xYi0tRzFkV2FNcTNhVzcyb2VBaktFQlVxZ2YxdGlKVUZtTTU1MmtkV01FWG85ZVhoWmVUSUtIZDc4VnY3dTZRYVZmNVhDaXJPQVlERFc4TUFONUhaRTZVRkdjS0s4RWViMUh5TjhUN1ExOUJFUjlWZjRiQ2txX0hkaHRRV0p0ZkxndHV1bFRBMGdiUG1uTXBZeE91YTRZRi1aVGhBTlZZNFE1YnRINGRxLTg4QQ?oc=5) · Dailyfly News
- 2020-08-28 [Roger Peyton Wallins Obituary Aug 28, 2020 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTFA1S2J0c2ZSSk9RQW0yZ0JYWEdEQzlkLXlZM1cxczdnMWQta3NlNzk1bnl2OW15UGRfc0RpTHVpdjFkOGhuTlFfRTVUTThjaHJGTW9DbTdqSzZxOGF5aUpYa1MyNFA4YUNhcVQteQ?oc=5) · Short's Funeral Chapel
- 2017-11-01 [N. Idaho credit union apologizes after employees wear blackface for Halloween - KTVB](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPem9zQzMzNWFjMjFMaVpkc2pQbWYtb3dscUlqYTFLd0NzYnI1X3dlUnZwMkU3MlVvdHZsVXVuUXJLV2M3VEc5ZmhhanNsT0NUdzFrUENVREFjRW9WUUlRQUswT2paT2p4dUJjQ0lnY21JOUkwaklDZ0QtZmtpcEJoRVlLaU9zYXZhWjlDVWFuRjBoV19NV1VDUEwweXRwQWdQbGNraWZVcU5BUnNBdmhSdEFJYkNRVjQ2a2pPSmk3XzY0VXJ6T3VScDhTcVQ3NERqYVNmYjRaOFVQVEk?oc=5) · KTVB
- 2020-09-19 [Nicole Joann Lettenmaier Gilbert - The Lewiston Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxON3pfejY4Sy1kVzFRYm5qY3NDYVRaWHYxSkVnQnZQa3NHQi1nLTM3SUg5MmFnb2pxdTRNTHB6QWU0bWlUY2YxMHVtT3MtWHdnejhpNktpNlpQWmszRG1sOEpYS3Rrdm0tVzJiem1TZTAzQTI4akw2ZDBDZktJckZ3SUhGRWk?oc=5) · The Lewiston Tribune
- 2023-06-09 [Emily Marie Hunt Obituary (1978 - 2023) - Palouse, WA - KXLY - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQ2xsTmloWFgwLVpmbFduVzZuMUVlR2JOTG1WNE93T2VBRi1WRGFPQTVrcVRMN0owcTBiSVk2Tl9OUVlFY3Fib3VBbUhObWNDMGQ3aHJvUy1XeFNPWlZTajJ4Y0tIOThBZEZKVWg0NlNDWnBUb1QzZ1Jsd1RFMFp3WXBWRmU?oc=5) · legacy.com
- 2023-08-30 [Norma A Bendel Obituary Aug 30, 2023 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMia0FVX3lxTE5zQU11X2ltSmdILXpDMXp0T1hpZTItdFVrdDJNckY3VlUwMENWVHBqTDBXUEIzUmJwWjVNZF9TM280MTJoTEJlLXRqbTJ3S3RET3VLTmdDVVZ0NUoxSTgtNWw5V2YyYkV1NXVB?oc=5) · Short's Funeral Chapel
- 2009-12-23 [OBITUARY: Philip B. Sawyer - Moscow-Pullman Daily News](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Ua2UyUGprUFhFS1I4TUVtNUJKR3lTZGJmeEVEUXhLSXVUaXJjTXhFSW9jZnBNNkFwUzQ0Uzd1aGdKckc1eENyNjJBdG5QbTNERmc3SEpLTDRIQ0hGcFVrdEI3RUFod3lGQ0tLelg2VWM0aFpp?oc=5) · Moscow-Pullman Daily News
- 2024-02-10 [Biz Bits: New Lewiston hotel makes headway - The Lewiston Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTlNkZFNKNkRqd0QwZDlnS1p0bDlOcm9vUXVFc3BsalRYeXlHb2pQNlBBcHl6UFNQbEFQUFdfaXJnY01qdlIxMWctU2otTjFkdk5Ra19vMk1XTDF1R1MxS1g0Z0xuWEdFMHhGNlM0aXpWNlJCSlVMQk5WaGRkT00yMzlTRDBjMk95RnVITVhn?oc=5) · The Lewiston Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97102 (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/14.json (key "97102", 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=97102
- 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