# FITZSIMONS
AURORA, CO · NCUA charter 10572 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fitzsimons-10572

Who the members are: federal charter, community charter, organized 1955, low-income designated. 12,964 members of 1,879,575 potential (0.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 40.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $214.6M |
| Members | 12,964 (-10.4% YoY) |
| Full-time staff | 42 |
| Net worth | $30.0M |
| Net worth ratio | 14.0% (p83 of band) |
| ROA (annualized) | -0.34% (p2 of band) |
| Total delinquency | 1.87% (p96 of band) |
| Net charge-offs (annualized) | 1.23% (p94 of band) |
| Loans / shares | 86% (p80 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 3.26% |
| Net interest margin | 3.88% (p72 of band) |
| Operating expense / assets | 3.99% (p64 of band) |
| Vehicles % of loans | 39% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 241% (p86 of band) |
| Vehicle delinquency | 3.74% (p99 of band) |
| Vehicle NCO | 3.27% (p96 of band) |
| Repossessed % of vehicle book | 0.74% (p97 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 19% |
| Average share balance | $7,905 |
| Participations bought / yr | $5.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.4M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $28,973 |
| Loans granted, annualized | $65.7M |

## Participation posture (from the same filings)

Bought $5.1M and sold $0 in the latest annualized quarter; $14.4M outstanding purchased (48.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | members leaving | losing money |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 7 | net worth falling, losing money, margin squeeze, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2020-06 | 4 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2020-09 | 3 | delinquency 2x band | net worth falling, losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | delinquency 2x band, net worth falling |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | losing money, loans>95% of shares | charge-offs p90 |
| 2022-09 | 3 | leaning on borrowings | delinquency 2x band, losing money |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | leaning on borrowings |
| 2023-06 | 3 | members leaving |  |
| 2023-09 | 6 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2023-12 | 5 |  | loans>95% of shares |
| 2024-03 | 5 | delinquency 2x band | assets shrinking |
| 2024-06 | 4 |  | delinquency 2x band |
| 2024-09 | 2 |  | delinquency rising, loan book shrinking |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 3 | delinquency 2x band | members leaving |
| 2025-06 | 4 | losing money, delinquency rising | assets shrinking |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | repo signal, members leaving | losing money |
| 2026-03 | 7 | net worth falling, losing money, charge-offs p90 | delinquency rising |

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

- 2021-04-15 [TruPartner Credit Union names Nina Myers President/CEO - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWUVhb05mWDRDeVFOQTE1aFdULUl1ZUlZWk5fMTh1ZENDbURla2t5SVpiQTZjVmMyYWhlRTJObHVMOUtXQ1c5X2l2MGVpTzhXNE9rSkQybFBsTm9lbEw1ZWlZMzFVc1FjeFZ3bDhWd0ZPNnd3OUFEckJvNmsta0dydUdhQ0RJVUwwVHpwbnRXWHFCaDhla3ItNlFwSQ?oc=5) · CUInsight
- 2026-08-20 [Man (30s) told he must plead guilty to avoid trial over midlands money laundering charge - independent.ie](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOZUJxSFlZbGRWXzV6NWstQXJFeVlJWklSTHpEMzdROVNjWWlaaDFtTkkzb09PcEZtZGVBSmh5UjN6NHlpS0Nna0VpSzVGSURVY3pHWUgwdnEzSjRTNld3VnlFeUtLQXBHS3RhTzVoMk9YeEY1WENwRHVTRlI5QXV3eDd2cW5DdnpiRnJKa1k1dUJQQlhSTkdNVHlWLUpCT21mNTRTRF9RcEU3N0dkTEhFNUdscktlZGZvTjVaVGxvbHhpM1dBUnl4aFBoSWlWdktXQU9obF9OajRFaGRFN3ppcg?oc=5) · independent.ie
- 2026-07-08 [Dale Lee Pierce Obituary Jul 8, 2026 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiXkFVX3lxTE95QW9KeHlqa29GUUVKU1FnclozaTQyZVpUQ3E2UFdJdWJXc0xLOTg0UTFCS2NGWXY2bzBZM0pDZEF6emdBd2V1ZWNfOUdwX3lrMkJINFdUaVNxMEJnLUE?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2022-05-23 [Cheryl Bergstrom - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE91LTlmSHBvZng5anRDeC1xLV91TjRKYXB5RUV0Y0NWbHU3NVRMajdKRlpaMm1Pd2ZaaUU0d2h0SmJpdk1FRkxoUzVnREJzYXhoc1BwdzIyV0t3Zkp0T0w2YVBtLVc?oc=5) · Boulger Funeral Home
- 2024-05-25 [Arts without journalism is like a tree falling center stage | John Moore - denvergazette.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNOFV4OC1SWjlhb1pqV1pycTduOXVNdkM1Yml0clh5NkNYWGNGWlVVVFM1a2poVmxZZDQ3eGN1WjFHblY5b25wX1Jfc01CNlBOaEZaZkhObW5JZHFzV1JTY2J3MGFiWVh2YnZLbFlqOS1PendCRm15R2E0MEoxOC1XZklBWFY4V0E0OG1ES2ZqYUFPSEswV2VPb1Q3S2plTTlDOFA1OElnb1YyRmlVeEtBbTVn?oc=5) · denvergazette.com
- 2024-09-18 [Groundbreaking: Fitzsimons Gateway Affordable Housing Community - Mile High CRE](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSTY1Y2p3cEdCa0I3cThQTlEyNVNqMEEyNDlDd19kb3NrLU1LSFc3TWZzYVdHbnRmX2ZCZFhoTzZzbzZqbzNHSTBLMTBSU3pkV2h2akp1c1pyWDRBX0p6elF6amJ3dk5Zd1c3SHVWZDRwdkRRNjlLcG1TUTBWWnVkaWkwTHFhWWs1djk5ampMWkI?oc=5) · Mile High CRE
- 2008-09-03 [Fitzsimons smokestack is demolished - The Denver Post](https://news.google.com/rss/articles/CBMif0FVX3lxTE85cU5JaFNHWTVaVlBWZzI4a0JYQkQteWhrejZzSFE0VFNpaHdPNVpwVXpDR0ZSR3NDeHB5YnJhZVRRTURQYlNKcjhTeXJqS1NwMVJrTy02WFJNSUZIQ1dRMHJlWmdOWkxHeXRTQW0ybktBeXc3bUlYVjV3V1l2U3M?oc=5) · The Denver Post
- 2024-10-25 [The Pipeline: Commercial real estate deals for 10.25.24 - BusinessDen](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSVdnbV9XcXpFelFoU0ljQWl6X2tjUGRvazV4bHBvbkFUREtUc1RMS18xSmdpdV8tZjBDTkM0WF9rUlYzTTQ5SEJqRnMxREt4TWJ4dlI2bzhJei1IV1JJdHdSdzB6c0NJSkVDTXhuYlo4YXBBN1VrNmI5b1BSLWlUMWFRTzdsdw?oc=5) · BusinessDen

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10572 (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/12.json (key "10572", 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=10572
- 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