# GRAND JUNCTION
Grand Junction, CO · NCUA charter 11718 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/grand-junction-11718

Who the members are: federal charter, community charter, organized 1957, low-income designated. 6,909 members of 8,500 potential (81.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $114.2M |
| Members | 6,909 (6.0% YoY) |
| Full-time staff | 20 |
| Net worth | $22.4M |
| Net worth ratio | 19.7% (p95 of band) |
| ROA (annualized) | 0.66% (p48 of band) |
| Total delinquency | 0.81% (p63 of band) |
| Net charge-offs (annualized) | 0.27% (p42 of band) |
| Loans / shares | 58% (p30 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p11 of band) |
| Operating expense / assets | 2.66% (p18 of band) |
| Vehicles % of loans | 35% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 1.62% (p86 of band) |
| Vehicle NCO | 0.72% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 28% |
| Average share balance | $6,443 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $23,535 |
| Loans granted, annualized | $19.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-12 | 3 | delinquency 2x band, delinquency rising, repo signal |  |
| 2020-03 | 1 |  | delinquency rising, repo signal |
| 2020-06 | 1 | net worth falling | delinquency 2x band |
| 2020-09 | 2 | loan book shrinking |  |
| 2020-12 | 4 | margin squeeze, delinquency 2x band, members leaving | loan book shrinking |
| 2021-03 | 3 | charge-offs p90 | delinquency 2x band, members leaving |
| 2021-06 | 3 | members leaving | charge-offs p90 |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze, members leaving |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-04-13 [Canvas Credit Union Launches $100 Checking Account Promotion for CMU Students - coloradomesa.edu](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPLTVxc0hFbDRhX0VxNHlzN2k3YzlyV1FHZzdlSWM3eE9fMUwzaXJLcmRuTEZGOGtiaFJCQmtWalJnZUpDNERBZ2x2U3VqNXNJXy1mQ0lpeWZ5Unprd2picnJGNFBMUjJKN0NvaElqUTNEOXJsdjdJeDFEb09YLUctenhtZUx6WFpaN2U2aWsxaW41RlRlZU5oWGxWVno3c3IzQ2pxUE1xVW56bmZPVkpFa21QUmVSZXBxMnloRTVOTEpVSlk?oc=5) · coloradomesa.edu
- 2026-03-26 [Photos: Broncos host ALL IN. ALL COVERED. training clinics in Fort Morgan, Pueblo and Grand Junction - Denver Broncos](https://news.google.com/rss/articles/CBMizgFBVV95cUxQaGx2Z25NejFXUXNTN2Vfa0NWYm5TVVJBTzV2VnQ4ZW9IX2pYblJUQVkzQTE5dndiNzhuZG5oZ3pBYTdtLVZrUldWY055UFBtRDMwSUZ6elEtSVNpYUtLaXVvX3ppV2UydFlJcTQxOW05aXd3V0VQdWZrckV4ZDk2UHFmbVdkVDVDeDU2M0MyMVp4cmhOTmRYT182UnBETzJnZk5md0xkbG8wVW12VGRGVlBkSTREclpwVU1iZllfbzhpeHc2RHhJV0JBM1lIUQ?oc=5) · Denver Broncos
- 2026-02-02 [Two Colorado credit unions complete merger after member votes - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaUlfVVpWTkVDRlN3WUtVV05uRkVOenVkNC12XzRJUmpYTXUzQi1uUVl5ZGNadVRNQWVzZldOem50bGdISEtTTmZSaWhwMUJHQzVaR3ZGdXBRUjVqT0FHdWMxQTNYa2xBZnZIUE5mMG1ubFRwMjZYMlZXdmVzcmRMOHdlRjdzU3pXTDRVVV8wLUlyeXo2THc?oc=5) · The Business Journals
- 2025-10-20 [Two Colorado credit unions announce merger - Denver Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxONHc4YjBSZVhsQnJQc1YyQlVjYkNjUGxuSTlRNmdwMUdxcDJ5bXJBWWtFaDgxbDR0OVV5OGRzdlNlUElpSUs4S1BrQ2V6a3lIN09VVTM3R1g5V0E0X212Vmt0TnFYZHgwdmRua2NHQW5YUDA2Z2xsTU9LTDRmQkt2TnR2dkg4UFNUQ0tmeQ?oc=5) · Denver Gazette
- 2025-09-30 [Climb Credit Union officially opens new Colorado Springs branch - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxQTDluNWpKN09YRHotSFJtN2dxaXRFQWdDdTZfY3dSY25xTlNOWm9jWmo4dURSSzNQeU1fa1E4SjlaUkVGaEdjZ1drTHFaZzVyVDJmQUNlcGthbE5qT05YdTJ5VDFvNmo2MzQtVWpZVlJZQkloaHpXNEt6T1ZpR3pQMUZOcjZfMjZXb1M2SzZfM1dQWkJQdllsejlpbw?oc=5) · Colorado Springs Gazette
- 2026-04-08 [WATCH: Broncos hold ALL IN. ALL COVERED. training clinics across Colorado - Denver Broncos](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNElld3BzZEw5dW1PZkxNd213RHgxM0wzWjA2dFU3V1NTamF3NEo1cjZobHlwQWd1S2FwaVNyUVVFaTBibURiYllpN2RqdzVGclpjck5kVDRnbWo4NUh2R1pUdWVIY3ZSLXQtZDNvbDNEWGJHenlnV3ZibnFUbVJmTU8wc1g5dG11bTlDZXV6Q2VIaWl2d25XcW1sdjlqdm1EVW1ONlV4bkVhQQ?oc=5) · Denver Broncos
- 2024-08-27 [Climb Credit Union named to top three best credit unions of Western Slope - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxNeGZ4dXV2OXIxM05TU3NrNC14ZmFpTmpGdjgyemc4cUhxdUZ1VEQ0ZFF4bkNBZE9uRU9BTnIzNW5ZN1BMRXkwYlZIQ2U3bmFzamZsMjVXN2JVNWJiMjExY3lqQzZUOFRra0VRTXc2aVV4N2ZpWFVEQU1kV3dfbHItYzUtMllpVW9iMmRPcExyMmpKc21oU0JMMkJ6NHFQX1ZrbzU3NHQxbm9ObF9tVTRMVjBUN3o?oc=5) · CUInsight
- 2026-03-31 [Credit union on fast track for second location - thebusinesstimes.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeDQzVVpJY083M2hZeVNZdVpjcDhfR0tnSzZlb2xIbEg4VG85MzlaNEh1SHczQjlPdnNGYnZlb3FIV0ppTXdySjVZZ2RfeEhTRGpxNGo3WHhmUGwtc3FZY2lMRGNKa3pWYWtHMlB4eE1GQ21neFRDSE5XSDJQUTNmenlB?oc=5) · thebusinesstimes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11718 (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/6.json (key "11718", 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=11718
- 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