# WESTMINSTER
Westminster, CO · NCUA charter 13842 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westminster-13842

Who the members are: federal charter, multiple common bond, organized 1960. 3,027 members of 5,000 potential (60.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. 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 | $53.4M |
| Members | 3,027 (-6.5% YoY) |
| Full-time staff | 7 |
| Net worth | $5.2M |
| Net worth ratio | 9.7% (p17 of band) |
| ROA (annualized) | 0.31% (p29 of band) |
| Total delinquency | 0.18% (p18 of band) |
| Net charge-offs (annualized) | 0.37% (p62 of band) |
| Loans / shares | 54% (p39 of band) |
| Cash / assets | 19.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p22 of band) |
| Operating expense / assets | 3.29% (p41 of band) |
| Vehicles % of loans | 28% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 80% (p82 of band) |
| Vehicle delinquency | 0.04% (p13 of band) |
| Vehicle NCO | 1.21% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 25% |
| Average share balance | $8,576 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.4M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $26,110 |
| Loans granted, annualized | $5.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.4M outstanding purchased (26.3% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -3.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-01-04 [Stephen Raver Obituary (2026) - Westminster, MD - Carroll County Times - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxOR2F0clRjMnVfQUcta1lCSlRzU0JPSUR5Y1BzWTV1NzhrakNtTjU5ZmRTcHJYbDhDUmptRDBCaFRBQVJTWjJTODRLVVpQMVlMeTB5T1JDZEpuRkEzNTVYOWFJbkdjOFhvNlJYTzZQQ2xYVnpQczVGa3J3a1hiekQ3YXg3RlBwX1VLZ2w3eERWd2RmLTRWbDgzZEhqOA?oc=5) · Legacy obituary
- 2011-09-13 [Robbery of Premier Members Credit Union in Westminster - fbi.gov](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZlYtbl9nNFZkV3d4OGRCOUZKTXc1aDBRMlpTU2V4Y1FPUmpRWmpuY3JyTmFoTElmcFJQZ3kzeTZadmRseEwzTUkyTmRFTkJac2pjQkRaWU4yaml1U3JlMDBEYmJrNzQyTnprWmx0MEF2dGVyQldvRU5LTUlNeTZubF9GNU1tcVJnc0NLclFKS2pncWo4SUNGazNDSHJ1NkprTTJ4UGx3?oc=5) · fbi.gov
- 2025-09-04 [Hunt Valley credit union to make largest-ever acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNclNpZ0tHUl91Q0xIckJ6Zm54YW1uVThUQ0F0SExURUVHV0ZQVzhZTlZXaWN0TkxDd3VycWFGOFoySnkyUUtPRmd3UFlYVG5JNTNfRHVOOVdhZW5KMFB3VXhuVDdaR2V5S05la3RJSU9sNloyOXhKWUYyMTB6RDFHakhSbHVnanc5andkdlF6VVRrM0RaTmZ1LVZfNXkxXzQ0d1E?oc=5) · The Business Journals
- 2025-10-17 [Man wanted for stealing $77K by ‘jackpotting’ ATMs in two Pa. counties - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2024-08-09 [Premier Members Credit Union Hosting Food Drive Month of August - Yellow Scene Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNXNfeUFITjV5NUVKVzV6cm80czFhSDJUaXFWbWR2b3hoQjdQMUJpVC1lMnlPS2Q3N1gwXzg1Ni1xZzgwbGtvVHVITGhMbmRRZVF1LS11R19GRUhmWFF2X1JwU1ltZm9GVDZJbnJEdVo2Y3N2Z1NSY3ExdURZX1lCQlBZMlRPU0FEMkZ0ZjVEWmdSMFlRNUpMY3dnTHV3LXRC?oc=5) · Yellow Scene Magazine
- 2024-06-06 [Academy Bank set to acquire Westminster bank - BizWest](https://news.google.com/rss/articles/CBMiggFBVV95cUxPUkJhS09WUVRaMDdQTFM3SmFhcUdiMEVLMk42TlJUZGc2OUMyLVAzakc1M2p2SVdOTm5seFZma0NfdURfWWg4NlR6Z0syZWs2NEVoaFVDSTJ0bko0VFowSVBLbnZWVDlCTUs0TER1bHZBZmRjMERoOHJrTGRKM1ZEN3Vn?oc=5) · BizWest
- 2022-08-31 [Sandra Schwab Obituary Aug 31, 2022 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1FMV9UUW1ZM0R5RDRpd1U0amlfWHRfejN0TjFIckRLTXRtY3Y5aTNGbTJqWllkSE1JSHg0MTkzdzVldVNYd21yQXJPYUNSc2NhYWw5RTd3WVUwRGM2THRfUg?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2018-10-12 [Same Bank Robber Strikes In Westminster, Aurora - CBS News](https://news.google.com/rss/articles/CBMif0FVX3lxTE15ZWFVQXV0QnBfUlJlXzJfc1lqMzNIN0VZNG1MWDl0RVRhWmRkZHg0TG1vZHVOMXUzbmNkY0xpQWFTU09aWU1rWE4xYkdGSUkxYVJUcjJySm1CbWdXQWxJelVvXzlGYk43SEZOMTk5RzZjRnIyNWt4NGNVV1pnLTA?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13842 (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/18.json (key "13842", 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=13842
- 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