# CO-NE
JULESBURG, CO · NCUA charter 17250 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/co-ne-17250

Who the members are: federal charter, community charter, organized 1966, low-income designated. 677 members of 3,000 potential (22.6% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.5M |
| Members | 677 (-4.0% YoY) |
| Full-time staff | 2 |
| Net worth | $365,409 |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | -0.64% (p14 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 63% (p57 of band) |
| Cash / assets | 38.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.30% (p67 of band) |
| Operating expense / assets | 5.49% (p85 of band) |
| Vehicles % of loans | 44% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 27% |
| Average share balance | $3,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,985 |
| Loans granted, annualized | $587,700 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 0 |  | delinquency 2x band, repo signal |
| 2017-06 | 1 | expense trap |  |
| 2017-09 | 5 | delinquency 2x band, repo signal, assets shrinking, members leaving |  |
| 2017-12 | 4 |  | members leaving |
| 2018-03 | 6 | net worth falling, delinquency rising |  |
| 2018-06 | 2 |  | delinquency 2x band, assets shrinking, net worth falling, delinquency rising |
| 2018-09 | 2 | margin squeeze | expense trap |
| 2018-12 | 5 | expense trap, delinquency 2x band, members leaving |  |
| 2019-03 | 4 |  | margin squeeze |
| 2019-06 | 6 | net worth falling, delinquency rising |  |
| 2019-09 | 6 | losing money, assets shrinking | delinquency 2x band, net worth falling |
| 2019-12 | 4 | delinquency 2x band | repo signal, members leaving, assets shrinking |
| 2020-03 | 3 | net worth falling, margin squeeze | expense trap, delinquency rising, losing money |
| 2020-06 | 1 |  | delinquency 2x band, net worth falling |
| 2020-09 | 2 | repo signal |  |
| 2020-12 | 4 | net worth falling, losing money, loan book shrinking | margin squeeze |
| 2021-03 | 6 | margin squeeze, delinquency 2x band, members leaving | losing money |
| 2021-06 | 4 |  | net worth falling, loan book shrinking |
| 2021-09 | 6 | losing money, delinquency rising |  |
| 2021-12 | 5 | net worth falling | delinquency 2x band, delinquency rising |
| 2022-03 | 6 | delinquency 2x band, delinquency rising, assets shrinking | margin squeeze, net worth falling |
| 2022-06 | 5 |  | assets shrinking |
| 2022-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 5 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 | delinquency 2x band | delinquency rising, assets shrinking |
| 2023-06 | 4 | assets shrinking | delinquency 2x band |
| 2023-09 | 5 | thin capital, loan book shrinking | members leaving |
| 2023-12 | 4 | net worth falling | repo signal, assets shrinking |
| 2024-03 | 4 | assets shrinking, members leaving | loan book shrinking, net worth falling |
| 2024-06 | 4 | delinquency 2x band, delinquency rising | assets shrinking, members leaving |
| 2024-09 | 5 | assets shrinking, members leaving | thin capital |
| 2024-12 | 4 | thin capital, repo signal | delinquency 2x band, delinquency rising, members leaving |
| 2025-03 | 3 |  | thin capital |
| 2025-06 | 5 | thin capital, delinquency 2x band, members leaving | repo signal |
| 2025-09 | 2 |  | assets shrinking, delinquency 2x band, members leaving |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 3 |  |  |

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

- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Colorado - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQX0hPb0ktSTVrRnJtb2liclRWaXdMSlVIYmg4aUxKeHR1Z1B0U3RlWHFEZzRYVkdueE9ZN0xGQXYxX1Bac3FLUjVTRGs2WS1scUdYUWYtT3ZqT0M1ekNqcGRKX2pJUHBZbzRKN0xFeXN6RnVhUEJOTm5TUGU0WUlNX3A3R0FCZ1Z3SE8wdERISQ?oc=5) · Newsweek Rankings
- 2020-10-13 [SCHC Cancels Haunted Prom - Julesburg Advocate](https://news.google.com/rss/articles/CBMie0FVX3lxTFBQbEY1dmVLNzA2QVhWQjJnMWJNWU9EaE9wM09yaTkwX1VVcDBuakRLbldESXpZVDBSRkRLRmZCRUNQSXRzZlZ0WncwZ09hZlZpeHozM2prbVFGdHZGeXJVaDk5c1ByNV9IV3JkRkRDTXg2QXJTWG1jbkZHZw?oc=5) · Julesburg Advocate
- 2025-04-08 [Best Banks and Credit Unions in Colorado 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNck5hbXVPSVBwSTJKQURvcXl0ZWQ0bTAyeE1zVmxyQWRiQ3hUZm1NT1ZkTUFzWjF6TDJvTUNLQWFiMzdDX1NHNzU2OHlWa2hZNlN3YW9OT1QyZUotQkNJOFB1N0xIa0kxNHdhUFdyOVpSRjIzdVRJOWl3U2JJLUpWdDBHQVZiSnhUNGRwOWpiNA?oc=5) · Newsweek Rankings
- 2024-05-07 [Market On River Slated to Open in Downtown C.F. in September -... - Volume One](https://news.google.com/rss/articles/CBMixAFBVV95cUxNa096b1VKcE5GLVJnZzhOYWkyVUxlUzEzRXpPaXhveVRhZVNHSGxiTkliR0NrR2tGUWNuZEV3QVJaMXNTUVZ6S1pqeHFfRzc4WUo0MXR6ZjNoQ3pBOHFNYVNQM1NfMlJvUFdNVHNwS1ZnNUYxMDRPMU1rTzdCWGd5YmZWc1IxaTRtanlGcG5JNmdyQUF6LWhBODk1QzZIWlBYNmVNdDlHYXFobWlYWmJ5NTJYZ1M0VEw0MkhLdHdIYVE4aGpS?oc=5) · Volume One
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2025-07-08 [LIQUIDATION NOTICES: Creditors Voluntary Winding-Up – June 2025 - Credit Connect](https://news.google.com/rss/articles/CBMioAFBVV95cUxQYUl3ZU5fQXJlak04MC1JVjc4Q1hCTVNmbDNfdVhjWjQ3S1R6SXJFZzJYbkRnSFVnNlZOWnV2dnVWTkJzQTVWY21PbHRIdHRSci14a09GVjFtTW9iUWNodEdnLUNVLThScDFjN3pzVXFVd0hHaHJoZmdoMmw1OENPdEtuT3FvYnkwMnlYTVZxbU1zY25nUmFHcTRjaDhSZGxs?oc=5) · Credit Connect
- 2014-02-13 [“Pay-It-Forward” drawing winners announced - Julesburg Advocate](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU0ZCNnVRM0hGcXZrR0NPTTEzd1pTSzVsS2U4aTY0aWwzZE53eWlveGtvMW83QmlZM3FBNGJ1eXBwTXVuVmVuaEdpUlZ4a1BtSEhGRVdMS0VSRHBpakgzWmxnVTUzZXBpMG00SE9oMElnQ3JySFQza3RGbkRNbS1EUlNkT2l0d2N4S0dJZVFfUkY?oc=5) · Julesburg Advocate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17250 (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/34.json (key "17250", 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=17250
- 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