# AFFIDIAN
Denver, CO · NCUA charter 2847 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/affidian-2847

Who the members are: federal charter, government (single sponsor), organized 1938. 14,217 members of 225,000 potential (6.3% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 111.

**Verdict on the desk:** this could be *ordinary*. 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 | $362.5M |
| Members | 14,217 (0.9% YoY) |
| Full-time staff | 37 |
| Net worth | $65.5M |
| Net worth ratio | 18.1% (p97 of band) |
| ROA (annualized) | 0.54% (p38 of band) |
| Total delinquency | 0.98% (p78 of band) |
| Net charge-offs (annualized) | 0.21% (p30 of band) |
| Loans / shares | 80% (p66 of band) |
| Cash / assets | 18.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p28 of band) |
| Operating expense / assets | 3.81% (p54 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 36% (p36 of band) |
| Vehicle delinquency | 0.26% (p23 of band) |
| Vehicle NCO | 0.36% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 29% |
| Average share balance | $8,858 |
| Participations bought / yr | $22.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $42.2M |
| Loans outstanding per 100 members | 111% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,897 |
| Loans granted, annualized | $52.5M |

## Participation posture (from the same filings)

Bought $22.1M and sold $0 in the latest annualized quarter; $42.2M outstanding purchased (64.4% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 | net worth falling | delinquency rising |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 3 | margin squeeze, delinquency rising |  |
| 2020-09 | 2 | members leaving | net worth falling, delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 | net worth falling | members leaving |
| 2022-03 | 1 | delinquency rising | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2025-10-06 [2025 CU Times Luminaries Finalists: Rising Star – Credit Union - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRWhHQzQ4NE1LNGt5bWhMVXhTcGNhcTQtR2lSRk94RFhvT01vRWlkSXd2UUtoQjc3eTBuWHpBaUd0bGZyTE83TTR0YjI4MjkwckF4R0VzSmNWdm84d1kybGNuYVJrUHVJdzRyNlVwSFp0YmdBeGowUE8zYmF1Wk1vQUlKZGVlWG8zbTRCb0I5c3VaQUstM0EwcmhQWXk?oc=5) · CUTimes
- 2026-04-04 [Vincent Matthews IV Obituary (1967 - 2026) - Centennial, CO - Denver Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWG5IdzZRcmdxSno0OXV6UU9kYU82V0tfVUt0Vkh5QU9aTmJlb2pwMHRSRzE1bmNJd1d3R0F6dU43SGpKMHRVYlhuUjFCLU9jbUVHaXlxTXlmX2ZnclJvb0l5OVhuck5iRHZRaVZzNVhDZE9Ba1k2eS1ILWZ1eFBCZ0RyWHFqZlo1TVNwVk9sWi11amhiRXl3amo0QTZUTVZxTkRqb2pKYzU?oc=5) · Denver Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2847 (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/31.json (key "2847", 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=2847
- 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