# RIO GRANDE
Grand Junction, CO · NCUA charter 3963 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rio-grande-3963

Who the members are: federal charter, community charter, organized 1940, low-income designated. 4,910 members of 164,290 potential (3.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $81.6M |
| Members | 4,910 (-0.8% YoY) |
| Full-time staff | 10 |
| Net worth | $17.4M |
| Net worth ratio | 21.3% (p93 of band) |
| ROA (annualized) | 1.62% (p88 of band) |
| Total delinquency | 0.35% (p34 of band) |
| Net charge-offs (annualized) | 0.05% (p25 of band) |
| Loans / shares | 44% (p20 of band) |
| Cash / assets | 61.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p23 of band) |
| Operating expense / assets | 2.00% (p7 of band) |
| Vehicles % of loans | 34% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 19% (p68 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.11% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 24% |
| Average share balance | $7,129 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $18,095 |
| Loans granted, annualized | $5.7M |

## 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, repo signal |  |
| 2017-09 | 0 |  | net worth falling, repo signal |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | assets shrinking | delinquency rising |
| 2024-09 | 1 | delinquency rising | assets shrinking |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-08-22 [Aviators® Host Sugar Land Space Cowboys in six-game Homestand from Tuesday-Sunday August 25-30 at Las Vegas Ballpark® - mlb.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNczlHNEJZSjRzdWhKTUtoWVRLMmFvYVcyY2xtWmt4cERVOHVnenVFODhtUk90Mk92eXpaWnN1NkpDZXo2SGcyWUY2UVh3TUFKTzU3ODJqYlhkakRuRDJMTUxzOEt5UjZhMG9PeTdtbHRRcDFCeHktNFY1NTVyUzB2OHdvcnhyMl9RMnFfM2gtQUtoWXVTdW5BamluS2M1NFBLd0dXcEtJQWU5czlYdzNpM2QtWE1JVVU3TEVJQWVMNURYRVBhRTZ4MHowQURpcnU2Z1ZOckN5Q0hRX3ZnS204bTFqbXFhU1NjV0JZ?oc=5) · mlb.com
- 2026-08-01 [High Desert Hosts: United Aims to Throw Switchbacks Off Their Route - New Mexico United](https://news.google.com/rss/articles/CBMisgFBVV95cUxNS2FfMlVPMlc3TG12SzRLcDRmdnhDUWJ1bFl2MkwxMkZHckdyOGJrcGNISVA2aXJRUFJHUVlrS0I3WXZDLUk1R0wtZWtLaUVUV2RSM2hDQXRxY1N2N0VFZy12cDd4b1JmRzZRb20zVEgwMW5mSGhnaUdGTDQ1NmVab1ZtbHFRdGFNUGxzOE1waG9vajFaRGJPTjFMa1NxRzdyWWktUUNnNGdHby1yVjR0eUhB?oc=5) · New Mexico United
- 2026-07-07 [Classifieds July 8, 2026 - The Del Norte Prospector](https://news.google.com/rss/articles/CBMifkFVX3lxTFB4ZU5CWVhZYVktZ2RKV1lINEE3Qml6UFdNYlFRQVRyU0xpQmg3LTkzZ0kxbFJKMXRXb01oenFYanl3S3lZbmxyckNuX21DZUNQRXd5Z0dtV0NSMEtCU1g5d3QyeW12MktVcW9GS2RiTjctaFRVbzRiUW5MLWFkdw?oc=5) · The Del Norte Prospector
- 2024-03-28 [Car meet next Sunday to support Rio Grande Food Project - KOB 4](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdkx6WXRIWWFxWW40OVg1ZGRLUWpVdnk4SlhvVk5FSjc0OUdhWFFhMUVxQ0FTYkN3TXY5TXF0MEhpajFMLWtmSjVod21YYmc4ZFlMcVctQV8yMU1MQURfeG5nVUF0SncxX00tbVlGeTRGbW03R1hlMmdoVjhQZ3ZsWFVtVkhSYy11Q1FVckZSYWg?oc=5) · KOB 4
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2021-12-26 [Celebrating Cooperatives - Texas Co-op Power](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBpbkZZSTRXU3Y2M3dUTW4xbTFyOFd1THZBSVJHc0o4d1JYQnp4NndqTzlpVnBDZ2lzeGtmb3l4V2ZqdnV2U1JhaEQ5T01XSDUzQUc2QnRwTDEzTzNtS1hORGlB?oc=5) · Texas Co-op Power
- 2025-11-20 [A drying-up Rio Grande basin threatens water security on both sides of the border - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZ1ZOMjc3Skp5ZV9qRmc2WnN2MWhRWkRaS1FSR25FY2N6NU51aFBGMklVWTBqQ2d1TzM2ZmRHbzZudFFLRFJwSzhBbENXdzBIM3NBcFJ1MzAtV0RyYnl0cUJxVDNRTVBjZXQ2RUN2QUN2RDVVZDl4OFMwd2RyT3RZWlRxZmdvM00?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3963 (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/59.json (key "3963", 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=3963
- 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