# DENVER FIRE DEPARTMENT
Denver, CO · NCUA charter 2881 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/denver-fire-department-2881

Who the members are: federal charter, multiple common bond, organized 1938. 6,275 members of 23,940 potential (26.2% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $210.7M |
| Members | 6,275 (0.5% YoY) |
| Full-time staff | 15 |
| Net worth | $29.5M |
| Net worth ratio | 14.0% (p83 of band) |
| ROA (annualized) | 0.80% (p59 of band) |
| Total delinquency | 0.10% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p4 of band) |
| Loans / shares | 59% (p17 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p21 of band) |
| Operating expense / assets | 2.43% (p11 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p23 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 56% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $13,180 |
| Participations bought / yr | $13.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.1M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $27,834 |
| Loans granted, annualized | $47.6M |

## Participation posture (from the same filings)

Bought $13.6M and sold $0 in the latest annualized quarter; $28.1M outstanding purchased (95.1% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 | net worth falling | delinquency rising |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | delinquency rising, 3rd-party paper>100% NW | net worth falling |
| 2022-06 | 1 |  | 3rd-party paper>100% NW |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-10-01 [John N. Williams Obituary Oct 1, 2025 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5qdWQ0YlpxX3RzRXVWYi1vSEFjMEl2dTZfMXd3YU9GQnc4Z0RMOVNwal9OZ1VLZlQ5RFNkN3I0X0lBVE9RTXhNSTU4Q294MHItVldGQzJtUENCczUyVTFuWjFJMA?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2025-09-08 [Former Pueblo Fire Department union leader guilty of embezzling thousands - KKTV](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdGRKZHdsUWFyMWhNVDNSODdKekszOGl0eXZxNHZPYXBPd3Y1WjJ5elotZUhoUV9XeW1UN0o3Qy1LYmo1SVRZWGprR2dQT2xmVEE3Vk9JWktrUVhvUTNYSW01TGpUOFIwWXZkUE5YQmQwa2Rma0JmbHBydGZNZG9ZYVFjSXZmckwwNDJHVGZpMjJkM0Y4YmdyMFU2SG5SMElhVF9wcllB0gG6AUFVX3lxTE9nd0k0akh6b3N5UG9aTTVCZXNVZDZlempXT0NnTHpoQ1hRcjhrejNrcTIyN3E0Mk5EOF9SdUFXaWtsR0J2ZDVDQlhEOC15Z2s4Z1dLMndrSEJYdjVMekJaX0xfUHpZM2dWZ0pYNDBiQlFHajJEM0tlYXNwX1FWNWttNEdoMlFHeTIzSFVjWXRRWHZqNFJhaF9BMkI2SUhHOFdCZVZONGJJMy1ZV1dwbFhIWEdhMTE4US12dw?oc=5) · KKTV
- 2022-01-04 [Obituary: Christopher Robin Bernal - SkyHiNews.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQOGtYUmRyN1ZGa0ZNamNMTF9ULWZxMEo3amc1eGN6RU5GQWlqMTc1T3JodkhVYkxTYkU3RTdDQjJtWkdwSGZCZE10SVoyeDBoMDZ5akJsNWZ2M09mQXU0VTNGWEp4a0RuNzZXNHZCMG16dUYxMFFYeHBjY2d3MFdSQ2p3?oc=5) · SkyHiNews.com
- 2018-11-15 [Christine Leon (Hermosillo) Obituary - Wheat Ridge, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTEdaX2NTQnV6WVA4OUNUT0VBTWE4b0RobXlKUzJ4VzZlNXMxSHV6YXE1R1ZjbXYyNW83OGsxOG9ZenI1WWdYWmVLdm5YQzhrZTQxM3hORGM1VHAwX3dYRW9DVVh1SVdNYnQ0Y1ZpS0R2MWFCNjBtTVpfQUpBTGlRSWlRNVdPMHk4WXNjZzhhOVpZWTRhb0E?oc=5) · Dignity Memorial
- 2023-06-29 [Eric Amaro Obituary Jan 6, 2017 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9Jb0w4N1pUMm1SOThqODQ1Umw4R1lheGdTYW1WT1Y2MlFQdmFmT3ZsQUxUZDRzVThfRXVYbGxzUnE5TUhzbXc3Nnc4R2VkOVB3ak9yZ3pMeTA5RF9G?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2016-11-14 [Myrle K. Wise Obituary Nov 14, 2016 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9NREtRV19Da25SLW9CSlRuNTBiU3ktRXdkWFlESVBubkttbms0ZkM1ZFlVUHlIdXY1NjlIOW5yTFFNc0pNWlNCQjVPYXQ0UG5BWlRPVE05Z0I4YU8z?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2023-07-31 [Demetrius Florencio Granado Obituary Sep 30, 2019 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9wZFBTcDF2X3F3ZWNxRjliQVl3TXN2cUJrbHdPMlJlWjBfTGNFU2JvRlFTZkR0eG1vNTZNNDRCREJpbDBBQjVvdlJwbUhkOF9LUXQ5RG1JRmdKem1sY1QwSFpQTGJ1dw?oc=5) · Horan & McConaty Funeral Service and Cremation
- 2014-09-19 [Donald Grieve Obituary Sep 19, 2014 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBVZ2RZZXZHTlVmTmZQZkdsVlF1bHdaVzVXNGtFZE5rZHJOR3AzOENmdnZpeG5Pby1TdlRyQTZJV0MwRHg4TDVhU28tZ2FZV2lFSkhOTHZZajhtMmdNM1JZSA?oc=5) · Horan & McConaty Funeral Service and Cremation

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2881 (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/1.json (key "2881", 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=2881
- 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