# CCE
Fargo, ND · NCUA charter 24944 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cce-24944

Who the members are: federal charter, multiple common bond, organized 1958. 1,322 members of 3,199 potential (41.3% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 75.

**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 | $14.1M |
| Members | 1,322 (-1.8% YoY) |
| Full-time staff | 3 |
| Net worth | $2.5M |
| Net worth ratio | 18.0% (p66 of band) |
| ROA (annualized) | 2.20% (p95 of band) |
| Total delinquency | 1.24% (p66 of band) |
| Net charge-offs (annualized) | 0.26% (p67 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 53.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.53% (p74 of band) |
| Operating expense / assets | 2.54% (p20 of band) |
| Vehicles % of loans | 65% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.44% (p72 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 0% |
| Average share balance | $4,742 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $6,491 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 1 | auto monoline |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 5 | delinquency 2x band, delinquency rising, assets shrinking, members leaving |  |
| 2024-06 | 2 |  | delinquency 2x band, delinquency rising, members leaving |
| 2024-09 | 4 | delinquency rising, loan book shrinking |  |
| 2024-12 | 4 | delinquency 2x band | assets shrinking |
| 2025-03 | 4 | assets shrinking | loan book shrinking |
| 2025-06 | 3 |  | delinquency 2x band |
| 2025-09 | 3 | delinquency 2x band | assets shrinking |
| 2025-12 | 2 | assets shrinking | delinquency rising, delinquency 2x band |
| 2026-03 | 1 |  | assets shrinking |

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

- 2026-03-25 [Securityplus Federal Credit Union elevates strategy and lending leadership with key executive moves - CUInsight](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPSGZSbHpSdExMNWh0V3FUZ0VuelJBX1hKcWJOMjBNcHVTVjZnaTB3TGVPblViV281WlFWRzRrdVdheXhjSHhjdlU0eEhscDh3dVFKQ2dBaFUyWi1KaUhhYjVtUWYwT0lkZnkwdjBlbmVjTFNZTXZPMzVMTlNzTW1PS2wwZzVDUjc1THhVYTdoajZuQTFNTXFYUlV6WWdCYUV1dndEaldjQ2oxWElJem1OOVREWkNVa3VWNGY2SnB2SDJGbUk4Zk1fcUhHUmNzNnBrMV9ndjg3OA?oc=5) · CUInsight
- 2025-12-17 [Franklin Mint Federal Credit Union President/CEO, Michael B. Magnavita to Retire in May 2026. Drew Stanley Appointed Successor. - PR Newswire](https://news.google.com/rss/articles/CBMiigJBVV95cUxNZ1RsU01feUk0NTE0d3JOQlYtZTh2T0o5RndYNWYyREN0eXQ2bm9XMkowaU1EdzJ4NElTX29VcHdKVEZVdmZHQW43N1JHMU5zYUprUnh4VUNyd2FxZUpQUDV1LVF5VHZsMTRUODI1MVlaQk90ZjZjTWp3SGVHbVF2dmROdElQa211Y18zR20zcm1scGFuQXI5UldNYlFrNzlQbmFkbW5PVGEwNkk1a1BaWE5nbzgyY3pCVWNyMzNCWmtWR1hvODNhVkQzTnYwaUZiLXhFTG5UdnVQNlZyRzQzUlJUUmktV09qRFkzZHozSUU4enBYN0wwUmZXUlFseWNHcGpGQ0ItQjVRdw?oc=5) · PR Newswire
- 2025-04-08 [Best Banks and Credit Unions in North Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXUzUzZzRE44MnVPT2FhSHFXc1B3bE1XTGt6dnBxSGx0ckloTUlfWUxsX2pnZzIwQkRhNkkyT040NjZfZ2FWYU9lcU5wZ29jUXB1R1JFeWJPNTlJUVk1LUY2bVJsY0l0dnEzYnA4R2YwNTRTU0pXc1hNMTJpamE0bi15d3NWSy1ZMlRTLUZnY0lDM29I?oc=5) · Newsweek Rankings
- 2023-03-07 [CC&E Professor Named a 2022 LSU Rainmaker - Louisiana State University](https://news.google.com/rss/articles/CBMiekFVX3lxTE5QVmxpUjJNV1NiZTQzRW45eEYtdzhIc0g1RmFVNTBmTXFJTkV3WnRvYTRzczhYdHlRUEl6NGZhZGVqZHMtTnhSSV9Kd09ZRjRSTHJYaHNFMkRWcW9sd09GLWJkQThtNWhKN2cxVjVvaGxYTXprLXpVcWNB?oc=5) · Louisiana State University
- 2025-10-08 [CCE Orange County celebrates a bountiful harvest - The River Reporter](https://news.google.com/rss/articles/CBMimAFBVV95cUxQLXZ1NmhteWM1Y2FRN2VYNFBlVTMtYUVUdUdfcXpCcEJZTHhwQ01hUjB4WnpRT252VVJ0QmRXUi1mRzRxN1kwNXFhU2JnbzFnVTMxY3g0SkVYR0xDWUJWeGQwcUtleHFSRVZEdXhsbmpTQVpvcEZndU8tV0E5UzdyeExVMGtoNXhlWkxmX2hDeE9FQ05FMGUzNQ?oc=5) · The River Reporter
- 2015-09-23 [behiND Locked Doors: Center for Culinary Excellence - scholastic.nd.edu](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcExLSFJORGdaY2taUnlWS0dHaUNTLTJ6WVZlU0ZNSkRMZkVhNkl3V2t5MWNqZjhQVFR0YmQ3RWxvWlhMcjdBaG12TUNqZWRxUUs0RXBWNXEwbV90R2t1dXQ3ZWhaLTRtb2J6T3FUbnQzQ3ZDQkNxN01HN3dGRjlYb0hYSTk0cXlDeVZyVA?oc=5) · scholastic.nd.edu
- 2022-03-19 [Heritage Federal Credit Union announces 2 new Mortgage Loan Originators - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZVJsOGhLR2xoWmk5LXlUdU1xNmY3Y0UyOExUbWtnNVlhMlZXY3JvaVRhY1hIOE4wQmlYOUVRaHBfMGY2ajJVckFONDltSFZzcEZCeGpwajNreWRnUWJseFlZTDNZTTVieERqNUlLSlhsVGJGNWxUQ0N3V2NhZXdKME5QQmthYWRtZm1XbWRONmxmbGxwam5LLVF1dS1jd0RVMnR5SHEzWXdHdEhZWXRrS2pR?oc=5) · CUInsight
- 2019-11-22 [Web of deals: PACE credit union executives committed civil fraud with years of ‘secret’ payments, regulator alleges - The Globe and Mail](https://news.google.com/rss/articles/CBMitwFBVV95cUxQUUNyWTVwLV85Q3E3SVFmOWw5ZUJnMVhzaWdCQTctX29GVVJoTFAxVXpranBaSVVoTU5iZTFWSHY5VWJ4cnM2LVVYbFNpa2c3bVZtNzVRNUtmeTRnaHhkYzAyMVBaSmZEcVNhUzlQekdsNlNZWWd6MlVJd29kS0JOckp6N1VkaTlKdmdLYzQ4MWpDc1V5a1FJOVlweHlOaGJSaFpQd3BSRFQxWUdZUXdDdDdaTVpmSmc?oc=5) · The Globe and Mail

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24944 (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/48.json (key "24944", 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=24944
- 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