# HARMONY
GRAND JUNCTION, CO · NCUA charter 3837 · asset band <$50M · latest filing 2024-03 · stopped filing after 2024-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/harmony-3837

Who the members are: federal charter, community charter, organized 1940, low-income designated. 1,333 members of 150,000 potential (0.9% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *too clean*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.0M |
| Members | 1,333 (-9.2% YoY) |
| Full-time staff | 3 |
| Net worth | $1.2M |
| Net worth ratio | 6.4% (p1 of band) |
| ROA (annualized) | -12.30% (p1 of band) |
| Total delinquency | 0.09% (p25 of band) |
| Net charge-offs (annualized) | 7.85% (p99 of band) |
| Loans / shares | 17% (p4 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p22 of band) |
| Operating expense / assets | 14.79% (p99 of band) |
| Vehicles % of loans | 44% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 30% (p91 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 9.65% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 4% |
| Average share balance | $7,349 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $3,822 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 3 | losing money, repo signal |  |
| 2018-06 | 2 |  | repo signal |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | charge-offs p90, repo signal |  |
| 2019-06 | 2 | delinquency rising | charge-offs p90, repo signal |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | net worth falling | delinquency rising |
| 2020-03 | 0 |  | losing money, net worth falling |
| 2020-06 | 1 | repo signal |  |
| 2020-09 | 2 | net worth falling, members leaving | repo signal |
| 2020-12 | 4 | losing money, loan book shrinking |  |
| 2021-03 | 8 | thin capital, margin squeeze, delinquency rising, charge-offs p90 |  |
| 2021-06 | 5 |  | net worth falling, thin capital, delinquency rising |
| 2021-09 | 6 | thin capital |  |
| 2021-12 | 8 | net worth falling, delinquency rising |  |
| 2022-03 | 5 |  | margin squeeze, net worth falling, delinquency rising |
| 2022-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 8 | net worth falling |  |
| 2022-12 | 7 |  | net worth falling |
| 2023-03 | 7 | assets shrinking | charge-offs p90 |
| 2023-06 | 5 |  | delinquency rising, assets shrinking |
| 2023-09 | 6 | assets shrinking |  |
| 2023-12 | 4 |  | losing money, loan book shrinking |
| 2024-03 | 8 | capital below 7%, losing money, expense trap, charge-offs p90 | delinquency 2x band |

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

- 2026-09-08 [Annual “In Harmony with Nature” returns to TNI - River County News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPM2Q1aTdRaHZLZXFpaklJNGRyaW44aGdDelZ5Q2hzYjViWEdBdFZCWG5MRFpkRU5UcFphY2RFS25WekVZQk5uQnRkNktBOURDNndOdWt3Y2VTY25NUnBhMHczc1NLZGNGU3ZZN01fd18yRVVXMDNkTjBhcmszOTFFLTY2aEE0N1RmLUN1RA?oc=5) · River County News
- 2026-07-09 [Aquidneck Island Robotics demonstration, special postmark available - Newport Daily News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOSjU0SmtGbThqdEM3UUFhREtmV3FFakRUMDFLc3NIR2xkQkJnWW1SX3IyY0kxVVZpUFNSYUVPZm04bzhsemF4S3I3a3hVWXk0T1hwTXh2UEF2MFNqbWZrYmFUSzZSbEdLeDhRdmNkaGl3R1BWMnVpcDZHcUFRNTkwT28ySmR6eVBaMG9YdUswaHVMOFFjTTlwUHdFRmNwUEQxWGpSRDVUb296OGZIOHhhbVFvQUtqRk9xVkNNaHE1WjhLWE0?oc=5) · Newport Daily News
- 2026-03-27 [Lead for Inclusion's 2nd annual youth summit features 8 schools, organizations - Bemidji Pioneer](https://news.google.com/rss/articles/CBMiugFBVV95cUxNc1JXRHhpaXB1NnJjUF9LcW5WeU9IU1FSdjlyUVFLdHV6M3A0aDVQQjQzakwzWmt5WjBxT2IydkYyQ25TT21GdVF1a1E4cXY3XzRFYTZyWVhhOFREYUh3SVFjbmZPRW0wY1ZSV1ZseG41eTV2N2pobzJWUnBoTF9QTVJEU1NSU1FFYi0xeU9QdGR1cWdycVA3WlhNV2RoZVZLLURhN1FxYTA3QTBqY3g4dWVFa2pxTXc1Znc?oc=5) · Bemidji Pioneer
- 2026-05-20 [The controversial Harmony Grove Village South project faces 2 lawsuits. One local lawmaker’s bill could change that. - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQSGt2Y2xLaW4zeFhFREgySVkweHZhZl90eFRfcEh2cTJkUFNnZGpzVGpPZUQtLVVtbnlQbG9MQ29lOXhybC1TRTZWX01kVkI3SGZxRWtQbkI2ak5Pc0p6eWVWRTFXWVEwMVpjNkpGMFZVeHNZT0k3eklpY0FzTEtxUzdTaUZjc2xybXFBZ1h2MkF0UU8wc3JnQVhZV2NjTVVwX2FYUzVEdVFTUmdVaVB1NV9ETmFwRVhYNmh6VUo4NGRaSjhLX2tzenZoVXVfNl9EamlVdklxbEhHVGJCbUJUb0dmN280RXVmd0FVU1A0aDFtclRY?oc=5) · San Diego Union-Tribune
- 2026-01-28 [The Black Crowes & Whiskey Myers Announce Massive Co-Headlining Southern Hospitality Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQT3o2UV9GOERXdGpPY1VCMjJKOTVHYWJFY0hFaDk3YmFlTUdOZVF6UzhheTZuZmJORFQ2OE53MHdDR05ZUkpLZ0dCZUg2UEdNVG9GaElZQ1JnTVZqQ1oyMHA5MTkzZHFhQ2YwMG5TTW9QSk83aXRfT1k1MTdQSnpPNklMSUUyMk4wcU9PLVpZUUZtYXlyYTZ1UVZ2ck5SNFRCQVp4LWVZSE54Q2ZyWjlDeGxDWENZU0dvUEpKdW9qSmsyZnM?oc=5) · Live Nation Newsroom
- 2026-04-14 [Lackawanna County Court Notes, April 14, 2026 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxONVpITV84WnJGSkFiNDJRNGxDeVhkMWlnMkJoSkhOTW5QcUtzUnFuYm9zMmw2VzNsMjFxWXk1c1laTFR3RmJYWlFOVmQwOUgzcGdOX1lqSVJoWnNWUTZ4VWgxRlBvLUdpQllwQ1RDcE9GejU5NTNiZnJ0LWhoZ2hOdWwwMmh2djVwU2RMWktsaS1PQQ?oc=5) · Scranton Times-Tribune
- 2026-03-23 [Wu-Tang Clan Bring "The Final Chamber" Tour Back To North America This Summer With Bone Thugs-N-Harmony - That Eric Alper](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOSzVmTTRjZ2lmOGtSNVYxXzk1NFRvR1NzRVYteDdubGJ6NTRxWkRqNFBEcmZReEFxbXMzYkRWSEotWG5oTXoxSVBDcEhjcktzNDRNQ2dQV1lRLVVxb2p3VjdRU2VyS0hqVmU3MW9ZS1gzNmhnZWc5YjNVM3pabVRGa0RWQjE3TEVzS0ozMzJjQkYzeTJicXl3MlIySnkzSzVZNkQzZUZ6OW9jZm5idHl0bzFZWWZrYzdkOUVySDZhRlhxdkRPVWVwSlQ0dnBfWC1jQVBkUzdtUFVtelk?oc=5) · That Eric Alper
- 2025-12-22 [Michele Parrish Obituary (2025) - New Harmony, IN - Werry Funeral Homes, Inc. - New Harmony - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLWJrS09FT09mTkR3eWtiNUhaWTRGSkdSVlMxYzdjLTBEWXlxWnZTMGEzMTJOQUdDNGo5U1BEaERwTHBiYkRmbTNaTlBYMXBRMHRMY1J3bkE1dTV3MXA2TnRERUlZNmYyUlFhYTZfdzNkeHN0aFAybFNIaVk3WV9halhzM04?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3837 (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 "3837", 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=3837
- 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