# AURORA
Aurora, CO · NCUA charter 18574 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aurora-18574

Who the members are: federal charter, multiple common bond, organized 1968, low-income designated. 7,432 members of 189,942 potential (3.9% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $138.8M |
| Members | 7,432 (-0.4% YoY) |
| Full-time staff | 22 |
| Net worth | $24.2M |
| Net worth ratio | 17.5% (p92 of band) |
| ROA (annualized) | 0.67% (p49 of band) |
| Total delinquency | 2.21% (p94 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 60% (p33 of band) |
| Cash / assets | 35.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p44 of band) |
| Operating expense / assets | 3.47% (p44 of band) |
| Vehicles % of loans | 29% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 36% (p52 of band) |
| Vehicle delinquency | 2.87% (p95 of band) |
| Vehicle NCO | 1.40% (p84 of band) |
| Repossessed % of vehicle book | 0.46% (p94 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 28% |
| Average share balance | $7,044 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.6M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $13,856 |
| Loans granted, annualized | $12.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.6M outstanding purchased (60.2% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 2.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, repo signal |  |
| 2020-09 | 1 |  | net worth falling, repo signal |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 3 | repo signal |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 | assets shrinking | delinquency rising, delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency 2x band |
| 2025-06 | 5 | net worth falling, losing money, delinquency 2x band, charge-offs p90 | repo signal |
| 2025-09 | 3 |  | delinquency rising, net worth falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling, delinquency rising, repo signal | losing money, charge-offs p90 |

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

- 2026-08-31 [Aurora woman charged with embezzlement from credit union - WCTI](https://news.google.com/rss/articles/CBMijwFBVV95cUxQcjNXaVNCRFZxc2lLRmN1LUZGMi1LRDVfVUVjNHQ5WjhydWVxMGo3LXZzd2JvMmZveVBxY3Jjb0RRMzFZbExDMzN5TDFIRzh0WVhsX1NYQ2RUbzM3VGZsRzJsRkNrOWdXSlBPeDNtVUFFMHk2OU5hY1VteklyUWZ5ZnJTRkdUcFNzdnZkcXlpRQ?oc=5) · WCTI
- 2026-04-27 [Colorado lawmakers could eliminate credit card fees for restaurants; critics argue it's favoritism - CBS News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZTlrQ0RQWGVkLWd5Tll2Qk9YdE85djZqX2xvbFg4VHRFTGxQZjFpNERmZGVNaUJqNVRMUWRrTU5lVVViOHEteTNFXzNCSVVhdDFoWDdxVEJ5VkR4Q092TnpPTThOUHJPXzB0bG0zT1QzdkFwNWN0ajVTQVZFV3Q2MUFZSnV0X2JIQ2s3MW9QelhUeUhlcGxiYnBzMDRCdllLdU82LdIBqgFBVV95cUxNMUw3UEpmN0U2Q09GQ0pDb0FpYTBIMFVDbGVJUDUwTm9Dd2ZnUFF4V2J1R3hCakI5ei1xZW5iODZ1MzMtU1BYZ0FrZkxid1loalhtYi03YXplR05ZTWc5eFVmUE92TDA1RDZvaVNESmxpX1RIUk1Idzk5alBRaklIZzZRZmgzeUZSVXRyajdQTWJQR0JvblFhSWpPZXIzbHBQNHNILWRWaENtZw?oc=5) · CBS News
- 2026-09-01 [Sheriff’s office: Second Aurora woman charged in credit union embezzlement case - WCTI](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQYXlEYUdCNmVZeEdSNVNyZm90MVpFYjJ2bkVsVk5VdEVzc2h4anZnQUtDazRuREJTTGRVc0N5SU5qb0JLdG5DUjI5UXV1bElMbTNTaVBUQUQxb0RLSDlBa3VaVVdLTWoxUkFxcGJTcUJNbmNfX1VhaEg4X3VjTGU5WEY0aGF0M200UFcxMk1ueGVuaG1RbV9qbUVDZUw5enF4ajNwYmdmU1cyN1k?oc=5) · WCTI
- 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
- 2026-03-05 [Hotel, credit union next to Central Park homeless shelter find a buyer - The Denver Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa2ZvWVJtZS1WU3BSZG1wVFd1ckl4SXlrNkU4c25aRllfY1ZCTTVPWWxyM2x3Q3FhU21BM1YzNGdtT3BzUUt0TGdaV0NpVUV4RFpRN3NVMm82Y0xpMVd6bTBVSkZWSkVrcEJLMXFhRE1LM2xuczBUNzRKdS0telNGUE5SYWFYcmVLZlE4clp6VlVoSVhkNXhLSlJmMEhQbUwt?oc=5) · The Denver Post
- 2026-03-15 [Ben Blake Obituary (1941 - 2025) - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNQjRtTndyaXBHV2tUZnJzNzM4TGVvTkUtSENDblc3a0prSkFFSXdZLVdiNVVvR2xNUWx0YkxIbFpqNVgyc0EtRUt0bC02ZE5GUVdfOGpNa2tzT2dVQ2Y3VFg2RDJVV09KQkVzUTBOQmdTQjBmaUEtS0REaVFxMVBzd01VOGdvMFYtWjI4?oc=5) · Colorado Springs Gazette
- 2025-10-20 [Two Colorado credit unions announce merger - Denver Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxONHc4YjBSZVhsQnJQc1YyQlVjYkNjUGxuSTlRNmdwMUdxcDJ5bXJBWWtFaDgxbDR0OVV5OGRzdlNlUElpSUs4S1BrQ2V6a3lIN09VVTM3R1g5V0E0X212Vmt0TnFYZHgwdmRua2NHQW5YUDA2Z2xsTU9LTDRmQkt2TnR2dkg4UFNUQ0tmeQ?oc=5) · Denver Gazette
- 2025-06-12 [Credit Union of Colorado CEO Phil Smith recognized for extraordinary leadership as board president of the Community College of Aurora Foundation - CUInsight](https://news.google.com/rss/articles/CBMikgJBVV95cUxQSWNBeVR0VWg4eVE1OU5udU1fV0trUTY4akYwLVlhMHNrS1FBNUxqSWNldTY2cW51UTFxQjFseml2cDB0cXFnN0pxX3hSQWs2dFZwMmpJd1IxWGs5MkVJRnNaR2JyeFM5TDRzdGZ2OUZVbkpJbVBsdEt0ZGQ4cmhEWFdobUExd1E0SUZ3UWRCOXpLSHQtODhCbGRuWl9wNGdhNTRmNnREUl91T2NwTlJfQm9BV1JlcFB5WGk1V2pGdVlKb1c0anMwU3YxZHk0cDlLSXV5VlI2NVk5Q0p6aVNrTm9mU3B1eG1hRDQxTGRQUnV6ckZIOFRXeUc5VExhVE5fQW84V0R2VnhyY0x4Tl9LYnNn?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18574 (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/14.json (key "18574", 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=18574
- 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