# JEFFCO
GOLDEN, CO · NCUA charter 12884 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/jeffco-12884

Who the members are: federal charter, multiple common bond, organized 1959. 1,620 members of 2,700 potential (60.0% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *too clean*. 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 | $20.7M |
| Members | 1,620 (– YoY) |
| Full-time staff | 4 |
| Net worth | $2.9M |
| Net worth ratio | 13.9% (p59 of band) |
| ROA (annualized) | -0.13% (p22 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 0.72% (p75 of band) |
| Loans / shares | 53% (p44 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.59% (p34 of band) |
| Operating expense / assets | 3.28% (p47 of band) |
| Vehicles % of loans | 29% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 2% (p91 of band) |
| Vehicle delinquency | 0.00% (p13 of band) |
| Vehicle NCO | 0.04% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 20% |
| Average share balance | $4,891 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,601 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | losing money |  |

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

- 2023-01-11 [DFI appoints new director of credit unions - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMidkFVX3lxTE1BVVJsakxSZUZvb1F2azQ2M1FUQWRwcTZUS2tNZVE1bU9veFNYTjFBSHpkdmRyQmF0YWxnbC1rWHZFWHZ0eG5hRTFnUUtsd2d2MzVYZlotWXI3a3VwWnNwVmJ5ZTA5SlI3aGdnalZPLXpGbGZSMVE?oc=5) · Point/Plover Metro Wire
- 2023-09-29 [Would-be thieves try to blow up ATM in Walmart parking lot in Jefferson County to get cash - CBS News](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZTQwNUMtNnlwck9zdlkyZlhmQWJSeHVDTVhSdUlxb2RXMnRVb3V0MThGVEIyalZMRVJKRExKb091MGQydUI1MFpnQl85VDd2b2pHQVNMb2tIZnlBVmNnMVNtX3dqRzZNNkhRMXh0V2pzaW9BS1ByVW9EeU01Z0tBWmE1bTlkTzBsMVN0N0dEWHotZ9IBlwFBVV95cUxPZ29kWnlUUUJ5Wl9yUjRRM0xyUlJaWE9YWDNDOVkyaDZqcmlSY0hvZ1Y5V3hSSWhyeGpPVU51RTJ0U3VUaW9Wby1kYWN2Qmd1eVE2Ymc0SXR2RkFxbVhpdzBVd052a1YxSmpPdXJwVE9hRjI4dGh6a1liVkpkQmtqVWZ2cFZScVQ3aFlpS215NkhodDRZNDRv?oc=5) · CBS News
- 2009-01-07 [Banker selected as new Jeffco treasurer - The Denver Post](https://news.google.com/rss/articles/CBMihAFBVV95cUxQclUwM09BWEJXdU1sNmFRUUZXclFISEs5dmtFYzBHWUhaYm9Rc1QxUFk0WGphX3NGbDBkRm54b1NBbWlCemR5WlNaTkZnQmdXSjJOQkt1bzlobDFVYjhKMmlTN3BscGc3Z3BVRzRZMk41MENYUmUybnpnZktSTnVOTGQ3dHY?oc=5) · The Denver Post
- 2011-06-16 [Camp Ketona closes, more than 500 JeffCo employees on leave - WBMA](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZHVjNm10a21ORFBjNUllb19tQTlrd2IwY1RVWU9NcFJfZnR2T3FRem9zNGFwMFpnc0c0WU1lNHJDVGVaRjZmdGFwYkR5ekk3MjR1STE4a1pDTDRHODNaNnVSSktnZldacy12OEJMcjBiWEJ0OTFVcXljeFFNM01xREY0X29ZdjltTmpUN05n?oc=5) · WBMA
- 2026-07-21 [Lakewood council member threatens to move city accounts after hundreds lose jobs in PNC-FirstBank merger - Denver7](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOUDJBV0VYamt2Ymx1MHVqX05lNVVmX0ZoVnJLZzNuM0RtNDFxcGZRMm1acnk5T0VDekh3ZTNQbDRUYk1tN0x4ZXRRN1luc0hOcENYNUJyOVNfWFpHWVJhZ2VCZTVDTGFSRHIwZ3RLZ3dkOHZXWHVET25qeUlMSWRJb1BVRzFsbGVfXzRPUFVmN0ZXXzRsZHliXzRoZW1pLVZUc3RkZ2NCbjBRME9VOE1PRDZzalc4ODdRUXNUSGFsU29hQWRHalBMcjE5dkJORldZU1ltc0xHaHVmNzM2NW56N0RBMGVISi1jMFlqZVJfZkI?oc=5) · Denver7
- 2024-10-04 [More details on JeffCo's proposed 90-day moratorium on high-density residential - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNY0VySzh3VjA2azVqTXNCOXhSR0ExT3YzajBEYmpYaGFNQ2xWTnhEYW1pckpfR29Ua1JaREJFN2c4WDdnRHpzYjR3UC0yeDctalZHSW9MY0VxN19rS3BfMnQ5emFxdXh4NmsyQ3ZHcGVmRExQaHJHVEtjcjF5REVEOEFzMWlGdGVpUDE1MGMtelpYYThGSWtrWkY4V2lJbVU?oc=5) · The Business Journals
- 2007-05-31 [Sharon Jones Obituary (2007) - Denver, CO - Denver Post - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPU0xOYjdWZWxQX1VxMnJIZlNFdF83cTVnSzRqQmtIRHVUc2RkY0o2YU42V245NGhUQkNZakl1Z042dlFtM1ZZZTg5MHVJSF9sSGt0MTRaNVpOV3hnV2ZmZHczdDRMSkRrUDRBRk1Lakp5MER2VXFyanFUclRfMkNDeVo2V1VFc1pPamxWUlRlcw?oc=5) · Legacy obituary
- 2024-05-18 [Mary Bunn Obituary - The Denver Post](https://news.google.com/rss/articles/CBMiY0FVX3lxTE03RVIxeFZJUUxXUm9ZcWg1Tmc0WmIydDRhY2QyODZDeVktTlJibnhlcEVZOXdWdmdydUZlVXJuSWo4d2kxQW1aWkpEMFBGUEt1SVB3TExIZzFVc1M2UmwyaE56UQ?oc=5) · The Denver Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12884 (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/20.json (key "12884", 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=12884
- 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