# MILE HIGH
BUTTE, MT · NCUA charter 1739 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mile-high-1739

Who the members are: federal charter, community charter, organized 1936, low-income designated. 1,721 members of 34,000 potential (5.1% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 112.

**Verdict on the desk:** this could be *auto monoline*. 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 | $29.2M |
| Members | 1,721 (-1.8% YoY) |
| Full-time staff | 6 |
| Net worth | $4.3M |
| Net worth ratio | 14.6% (p48 of band) |
| ROA (annualized) | 0.65% (p54 of band) |
| Total delinquency | 0.00% (p17 of band) |
| Net charge-offs (annualized) | 0.10% (p58 of band) |
| Loans / shares | 39% (p24 of band) |
| Cash / assets | 48.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p48 of band) |
| Operating expense / assets | 3.94% (p59 of band) |
| Vehicles % of loans | 61% (p48 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 | 11% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 5% |
| Average share balance | $7,469 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 112% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $5,064 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-08-31 [Canvas Credit Union Relocates to Restored Historic Building Near DU - Mile High CRE](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa2NuM1JvWUNsY1V1anc3eFlKN0JVUURFNXVNc0MycWpyVXJWdkc4Ym0xNEhyd0FISlNTVFNJdnRfbURBSXhSN3dDTk9xQ3V4Uk5YTFU2VVZkX2pod3RoNmZfQlZ2aC1DUk9KUmF0UVk3aFlnemFLUExaYXh4ck96bUE5ekp0Y09rY1hHRlJFeHk0cFRtUHpN?oc=5) · Mile High CRE
- 2026-05-04 [Vote for Blue FCU's Fort Collins-area Boys Athlete of the Week (May 4) - The Coloradoan](https://news.google.com/rss/articles/CBMizwFBVV95cUxQTWFkZG53YXZBbEtfal9pVGZrRERIeGpIQ3BLRDl2cHpGR1ZWaFg3ZDlGcjFsMXR4eklreEZzdFdhUzRJWjBCRUpVd3ROamFXMXhuaU4xUXRidk5SMC1UamRaTzl3cWpJU25zSDQyem1BeEtRb2ktZUZKTkdSekZOeGs2dTZmVHVKd1c4NDRYczFBUEY2aEZpWXh1SWJXRUxha1ZhMmFYWXJYV0tkeXdkNUt3aVVzclVFcU1OOURNY29nTGFtWTdwU0ZRUm5QMXM?oc=5) · The Coloradoan
- 2026-01-26 [Simmons Posts 10-Point Night in Return to Mile High City - University of Denver Athletics](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTDZxN2txV3RzTGZuNW1QeW8ycUhDX0RBTmpPUDgyQ29JTjl3WERtRVY2SVFkeXFmNXRxNkd0UHhXbXFFMzB2VHpSckl0eGs5QlNOcHR5RlhfcDZBcjJPM085b2JYampzZGtuRzJxaTVYaDd0VHdveV9nLWpYT05tcmEzdnphYlFJdmRVeXJnTkVYeUhNay1VQkwtMGVzdTlHeWZjOEtvcjBPc09lajNacDl3?oc=5) · University of Denver Athletics
- 2026-02-27 [Butte clothing brand 'Recover Out Loud' celebrates sobriety, aims to open uptown storefront - KXLF-TV](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdzJjOUFsN051Rjl5WnBTOWxNTVF4VG4yMnhLWGd0bjZ6NktUektUSm9NekstWkNKTG4zWDgtV0FaLTU4VC1LWlFjVnBxTFBaQUM0eC16WV9yTWxGTWc1b3JDLWsxeWNDN3VFQ1VEWE1PNkhZSU1FRWtvUUs2Zm0wc19YdE9vSkg5YU9wT2owQjZHd2JZQzhVbEVrQWpGMkxZWWcyVm45YWsyXzgtRlAyYi1xdmJiZFdSVUQwYmViWV83eEE?oc=5) · KXLF-TV
- 2026-05-04 [Vote for Blue FCU's Fort Collins-area Girls Athlete of Week (May 4) - The Coloradoan](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQeGVmdXNOSldJQUNSREp6aV9mRTVELUJYOEF5cGpDTUNmRXZSNmRNVTU1TUcxbnd0bkFEeFg0MlZsN2tjU3BRVmhyNFF5YkU4WG5Jakp2eUV6dGhjblpsaTJCcmlTNEZNUkNhUVZzOHBZcG9GcHVwV052dzhwT1FqTVVRNGJBeWhjQU9XNFVySUFFd0UwVnVPYjFUZkJjNlRDQnQ2eUl5cGh2U1dOaU1lRy13bjFlaG9fZEQ0TVc3cjF2TUpzOWZwUU9OcjhvWU9W?oc=5) · The Coloradoan
- 2026-03-13 [Katy Zang Champion Girls 2 Mile - High School Record 9:37.15 - New Balance Nationals Indoor 2026 - RunnerSpace.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOQXl1b3k0XzhtNGxPa21CVXpjbzRZZkJRWkdIS2tPTUxYSFVVZHNKSjJaazE5VFdkaHd0RnMtMkVLdXY4TXQ4MnF4TjZvY3VZNXMzVUpCdVJQQm52LVRQSjZsYTNjM3dCZ3QzMU5LZzd2TEpYQXUtWXpqcDdjUFdKX0tIdE9qc2JmVFE?oc=5) · RunnerSpace.com
- 2025-11-15 [2025 Family Favorites Winners! - Colorado Parent](https://news.google.com/rss/articles/CBMiaEFVX3lxTFAtR3oxd2VwZC1wOExxdlFrenNMNVVtMWtnQmlfdnFKWmVTSkRVRVJ3ZnJKVElEQVZHajlSRHVTU3pMZFI1eDBpLWtnQXdnbmV0ZmRyeTEwRC1CZzZ1THNmbXUwdmdQand0?oc=5) · Colorado Parent
- 2026-03-14 [Zach Bryan With Heaven on Tour setlist and where he's playing next - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVlp1ZnZ2azB3clNKV1ZNcDBvcHZmVlNBY0Vud0c4Qy1xZXZiazhpVF9mQ0dtQWk0c1lqblNyUExqZTJKYk4yXzBrWE9icUt4aFBJVER0a280eUZtU1hjTE4xV2VTUjZYSHZmOFo3TTl6Q3pBWk9oOWw2dWtwVnZpVXhnQ3FicTZlSi1ZMENfUHVKRml3UFpKNVY3djdKS1czOFRXYg?oc=5) · azcentral.com and The Arizona Republic

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1739 (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/11.json (key "1739", 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=1739
- 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