# CLEAN ENERGY
Englewood, CO · NCUA charter 24889 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clean-energy-24889

Who the members are: federal charter, multiple common bond, organized 2017, low-income designated. 13,256 members of 53,000 potential (25.0% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $127.1M |
| Members | 13,256 (30.5% YoY) |
| Full-time staff | 37 |
| Net worth | $12.8M |
| Net worth ratio | 10.0% (p27 of band) |
| ROA (annualized) | -0.41% (p5 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | 0.21% (p35 of band) |
| Loans / shares | 97% (p97 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 7.87% |
| Net interest margin | 4.01% (p72 of band) |
| Operating expense / assets | 5.08% (p88 of band) |
| Vehicles % of loans | 7% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 181% (p84 of band) |
| Vehicle delinquency | 1.95% (p90 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 42% |
| Average share balance | $5,995 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $15.3M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,667 |
| Loans granted, annualized | $65.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $15.3M outstanding purchased (120.1% of net worth), $0 sold and retained. Sold in 7 and bought in 5 of the last 8 quarters. Shares 50.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense trap |  |
| 2018-06 | 3 | net worth falling, auto monoline |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | 3rd-party paper>100% NW | auto monoline |
| 2019-03 | 2 |  | 3rd-party paper>100% NW |
| 2019-06 | 3 | loans>95% of shares, 3rd-party paper>100% NW | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling, leaning on borrowings | expense trap |
| 2020-03 | 3 | expense trap | loans>95% of shares, net worth falling |
| 2020-06 | 2 |  | leaning on borrowings |
| 2020-09 | 3 | loans>95% of shares |  |
| 2020-12 | 2 |  | loans>95% of shares |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | net worth falling |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | 3rd-party paper>100% NW |
| 2022-06 | 4 | loans>95% of shares, 3rd-party paper>100% NW | margin squeeze |
| 2022-09 | 7 | thin capital, delinquency rising, leaning on borrowings |  |
| 2022-12 | 8 | capital below 7%, margin squeeze | delinquency rising, leaning on borrowings |
| 2023-03 | 10 | delinquency rising, leaning on borrowings |  |
| 2023-06 | 7 |  | net worth falling, margin squeeze, leaning on borrowings |
| 2023-09 | 4 |  | capital below 7%, delinquency rising |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 6 | losing money |  |
| 2024-06 | 7 | margin squeeze, leaning on borrowings | thin capital |
| 2024-09 | 6 |  | loans>95% of shares |
| 2024-12 | 7 | loans>95% of shares |  |
| 2025-03 | 6 | net worth falling | delinquency rising, loans>95% of shares |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 | loans>95% of shares | expense trap |
| 2026-03 | 6 | delinquency rising | margin squeeze |

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

- 2026-05-26 [‘Cumulative impacts are being ignored.’ Clean energy boom spurs local pushback - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNndlYUt2WnNzVS1RYkxGZTdJcl94SDhfeXpYb0stdkdIQWNqdlZkbWJTWC1VUGFMbm1fbUlDVXlnR1hDRVpsQkdvT0RKQ1lJNndwNzhmMjM2MTIxbWRhZjM0TVpndDkwWjN1R1NKRDRNQXFBTzB0VHdvdVIwTzB5cVdtTEFWdFdsTDRCQkEyOEJjRWx3SkplN2F2SEtMRWl2cERSWC1DVGVhdk9CcUpwcDdyT1M3S3FVb1E?oc=5) · San Diego Union-Tribune
- 2024-11-21 [Clean Energy Credit Union Review - businessinsider.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZkFFNTNnMVRfbEhhcFNqRnZqOTFoa25qbjE1TzFiejNXR0cwc2h0YzdtZGdPWjVhV0FkRDA4SXdmb1dFazhpeW8xZnVPU1UwMVNOMDhNUkFnWFFSU0gyY1ViQ1I3YlFFM19xMmJYbVVzN2tSd1g3dFhkTFAyTFVFZ19xZkoyeTRlX0lnZ18tWDQ2dGs?oc=5) · businessinsider.com
- 2022-08-29 [Five ways banks and fintechs are trying to slow climate change - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdFdiYktxbllqQXl0azRfZ1h4VF9GNXpEWndKbzM2eFB1by13Y3VYZU92aWpVYm5NbWYxcHA2VG5YaUpoSmZXVjRKaDUxZjBvaXIwRGFsYUxwUlU0aHBJR3dPSk92MzRlV2NWVVZPRU0xNlN3X1h2ZVdPRVhmblpQaFZiQjlZcmM1c0I2djNSZGtXd0RGSnM1c2lrMXExc1U?oc=5) · American Banker
- 2024-08-07 [Issue Spotlight: Solar Financing - Consumer Financial Protection Bureau (.gov)](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa0ppRmtYdmJ0R3FJUDRGQWtuenFnY2tOaVF3YWlpemdZOHpOenNPcVFMU1M4bDIzd3pTekFuSFZnUzNSVUw2R2xUai1tdnNuVkRkZW9iR0lveGVrSkphZl9ydVBlRi1aYmtDTXo4NkpXNk1tbXEyMHdib1BRMmp4R1psRGp6WUhVRjZBMkdVVVJETzI1cTJ3UFY1cw?oc=5) · Consumer Financial Protection Bureau (.gov)
- 2023-04-21 [The Other Green CUs are Giving Attention - cutoday.info](https://news.google.com/rss/articles/CBMigwFBVV95cUxNTTNySEhNcU1fX08zOEo2ODRsQ0E5ODhtWTh2ZXhLbURmQnA2R3RIMU5USV9CR0lnQWJhQkpHSEhZTFhNOE5TSExnYlZUX2FXT3VtYkR3bEJnalZaU3hJeXpCMGlaOVZGbkhXRjUtT2poX1ktOWFSOFZEbnV6WkZMVHRtbw?oc=5) · cutoday.info
- 2024-11-03 [Michigan launches accelerator to tap federal clean energy funds with support from clean energy lenders and Kresge - Kresge Foundation](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPUks0bHd3a3cxcFJRUW13TG9vVkZheDctU1dOSF93ZnZqWlNlenlVRWpZTEdrM1FTVEhJSnBEaG1sbEhGYmNwUjRUdXZYNEtzSFRvOU5EWE56bGlMQy1EY05HVmdYMjdGdFI4NHNwRDRVeFlOQUk1Mzh4Zm9ZN0xRVDc0cU5JWjdxTGFnVWJvRVdtMXRMc0NqU1ZhOTVKcFV5SFJRZW5yQWRQSTRoWkRoSGNBTk5PZ013eHpIMktZQ1BrZTJaUlNRYnk5UGwwZlM2TnBZYk91V3RBby1G?oc=5) · Kresge Foundation
- 2022-10-11 [Meet Puerto Rico’s unlikely climate champions: Credit unions - E&E News by POLITICO](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdk5DMG9JVklIQm95d2hfcmdZRWxxQ0ZqSXN6ckxZNjRxYUNxbGZFRVpqZTRhbFBWNURsN2dHSVpPZE1jd1ZZMF9xTnhkQ3RlUDVzOXJTMmJPT0tBSWt2RnJCTzhBX3hYbzRxMFhDQVBTZThrTFNpbVd2alBNRUQzTV9XaEVOQ2NLWVkyY040cXdfdXR2TlE?oc=5) · E&E News by POLITICO
- 2025-12-12 [Croydon Plus credit union rebrands as Your Community Bank - Co-operative News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNNmlaajRKcHNCU2pmWVJodW8xOHh6V3RwbFVKTFBJYzNKdVNwSnJzVVZNeWc3X1I4QloyOElKZ3BSSTUzVE5YVm5mQkVTOXRfUm1ILUMxSDROVl9JbS01MGVHQnd6QUl6WVFlblc2N2sxWHhhcVJpVzduUHFzdVJCMVFsNmMtR1JBSzYw?oc=5) · Co-operative News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24889 (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/57.json (key "24889", 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=24889
- 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