# DELTA COUNTY
Delta, CO · NCUA charter 24381 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/delta-county-24381

Who the members are: federal charter, community charter, organized 1958, low-income designated. 4,327 members of 30,568 potential (14.2% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $72.3M |
| Members | 4,327 (-1.0% YoY) |
| Full-time staff | 14 |
| Net worth | $7.2M |
| Net worth ratio | 10.0% (p21 of band) |
| ROA (annualized) | 0.99% (p66 of band) |
| Total delinquency | 1.33% (p82 of band) |
| Net charge-offs (annualized) | 0.09% (p30 of band) |
| Loans / shares | 34% (p8 of band) |
| Cash / assets | 61.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.80% (p11 of band) |
| Operating expense / assets | 2.43% (p13 of band) |
| Vehicles % of loans | 19% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 8% (p62 of band) |
| Vehicle delinquency | 0.83% (p63 of band) |
| Vehicle NCO | 0.46% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 14% |
| Average share balance | $7,414 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $21,329 |
| Loans granted, annualized | $5.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | thin capital, net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 | charge-offs p90 | delinquency rising |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | net worth falling, delinquency rising |  |
| 2020-12 | 5 | margin squeeze, loan book shrinking |  |
| 2021-03 | 7 | capital below 7% |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising, loan book shrinking, capital below 7% |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 4 | capital below 7%, net worth falling |  |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 2 |  | capital below 7% |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 3 | delinquency 2x band, delinquency rising | thin capital, members leaving |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 2 | delinquency 2x band, delinquency rising |  |

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

- 2025-08-01 [CMU Century Feature: Allen Brown, Bayard Rhone, John Wolf and Victor Wagler - coloradomesa.edu](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPNlQ0V2xpbTlhTlh1eEh5VzdaM0c0cEJ5RnRwQVNZSGRURjZfTXhrbEV2cXZHRnBvanNXWnZldmdFbXFCNmNmNkFPRHlKb01LSzNBeEdhNDZmZzJGWlI3NXBaTmxub2VrNHpiWW9sUEExcDk3bmxuTWlqdTlXZE11Q1Y0WmpKSG8ydW9BQkF0Z1pUVno3VFRYS2JaanZKYUhONkNiTU90ODZySU1pMmhpejZCVDA2bGFad3dBZ2FoWEg?oc=5) · coloradomesa.edu
- 2018-08-26 [Obituary for Susan Lee Standing - andersonfuneralhomes.net](https://news.google.com/rss/articles/CBMibEFVX3lxTE5jMVhSR29iZmNrTVNfT0NGaUs4ZFhOQzQtZGdjTll6YTBNOW5YSjBqZEliVFFoRi1kRkhVNDJjVGk1bDhJMVZKXzJlWGx5V3RRV2tEa1BsWUs2OFIwODhHclFsVmE1RXJUaExqZQ?oc=5) · andersonfuneralhomes.net
- 2022-01-05 [Manistique Emeralds compete, win in High School Bowl tournament - Pioneer Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUDVLTnJqYUVKRW5XdVo0TGkxc0VHNzFnbUpONW9kQUM5OWlJMkxMLWk1eDFsVm1uWDEyV1JOV1Y0VVZ3V0E0X0RfNXZmSjFocUhtZm1GT3FFWmtTZG9GakZiaWVCS2J1NTktTG1mWG4tTDhnRlB3N0ZGT2k2em4wM3pJWjFnOVRTVUtFNVE4ZXpFT2hydzNvTHFaQXlRTjdhX0xPS1h3?oc=5) · Pioneer Tribune
- 2018-11-25 [Carney competes in HSB - ehextra.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc0dTWG4wb3MxaktJZVQ2TGtDZkp6aE5XQWFibDI5bm12NzE0NlFsaWlWcnlCTzIwY1J1VTBsSERYQlJtcDdrdmdyWmZhbHg2eEpYRXBTRXZXcGQtUzdYaEhKQWN4QjhwUVFhMTJ4XzhyTmFmVFdkcEZQWk45TjlrYVQ4enJtcEtCOFM1a2RFLXZiWG5Uc2dTQl90c1c?oc=5) · ehextra.com
- 2023-09-15 [Seven finalists announced for Colorado Teacher of the Year - Denver7](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdGtKSVY3Ul9FSHBucUp5MXNTaFJldmxjR2hEN19fb1BLdF9sRGZsenNqbkNITkhvTkFTZVNPa080VkE4UUJhVnF6Y2NTX0VxV0FIU3p2bzdBbndsV25RTlludThNWGxuNkJ4QWxXRlZzMUc2T204b2lQVFFpbGxUdG9wT1BsTE5LYmxmR2tkdUdnMVN0WEZUVl9WZlVneG8?oc=5) · Denver7
- 2013-04-05 [Hopkins Co. residents relieved escaped inmates captured without incident - KLTV.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE03c2RGaExWSEJ4cGM4eXltcUxwQ0FyZnFnWkRiQzQyYmJfNDcxejhzOVFGUWxTV3laektOOVpaRUtyZ3JVbGR0X2JQZDlaeURFczhRUjkwUEkyUHdDOHRBQ1JsVG9fQkI5Uk03eTVidk9YczY2TUNF0gGKAUFVX3lxTE5KTVRtb3ZqelllZHhNNE9pSWJwbWFSa05vMTE3Yy1xTW02RnBzZ1NXRFl6b1NLUWdoZUZSN2pqc3hScC01RnlWbDBYVUFhN3VVZE5Za1NLQ0kxazI1UUN1ZUNJYjQxSjY5c2hPYXBQVEhrVnJQU0ZyeXRTZ1JFT3RVVFdPQTNaZ1VmZw?oc=5) · KLTV.com
- 2023-03-28 [Jackson’s RJ’s Metropolitan Ice Cream Co. named one of Michigan’s Best Small Businesses - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24381 (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/61.json (key "24381", 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=24381
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide