# CASCADE COMMUNITY
Roseburg, OR · NCUA charter 5652 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cascade-community-5652

Who the members are: federal charter, community charter, organized 1948, low-income designated. 19,642 members of 111,000 potential (17.7% of the field); checking penetration 84% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *fortress*. 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 | $459.2M |
| Members | 19,642 (4.4% YoY) |
| Full-time staff | 47 |
| Net worth | $79.8M |
| Net worth ratio | 17.4% (p96 of band) |
| ROA (annualized) | 2.36% (p99 of band) |
| Total delinquency | 0.06% (p3 of band) |
| Net charge-offs (annualized) | 0.15% (p22 of band) |
| Loans / shares | 71% (p44 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p64 of band) |
| Operating expense / assets | 2.28% (p7 of band) |
| Vehicles % of loans | 39% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.04% (p5 of band) |
| Vehicle NCO | 0.30% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p50 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 11% |
| Average share balance | $8,110 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $21,460 |
| Loans granted, annualized | $60.0M |

## 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 | 0 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, delinquency rising |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 1 | delinquency rising | net worth falling |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2020-08-26 [Cascade Community Credit Union appoints interim chief - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQnAtMlg3Z2ZTczI2R3pVZnVkY3E1NHREa3VDNERxMS1rVDVjU3p2UEtpZ0pTbUJCbVBJa2VIMnRYWjR5bVJ2QWdvNUZfbDFrbU1vTnpNeHVUMUY0MU93OHpPSG1ZSU1fdzJFUlhrMExQeUZUNXZ6T1BScVpxWjNPQjZRYTh2aHJKZEVqVTFiQnZhUU5wbk5scEx6YThVV1BJUUU0WQ?oc=5) · American Banker
- 2024-04-23 [Great White, Slaughter to play Douglas County Fair on August 7 - KMTR](https://news.google.com/rss/articles/CBMimgFBVV95cUxQaGpXdHNUWDI4aHJXVmNzZjlmN3RNbXAxYUFNX2xNX1R1a3pXNnJpeTB1ZEFJVVVLOThGTUhzeWJyb3A3dmVvT0tSSG5RTGpfZi1yV3Q3WjlaaER1LUJHUkM5WFVnQmljcTZrWXIzV0lyLXRKMEN3QWdQYWcxTUthQzdHcmFTTWFnbWxXckN5Z2ZIa2pvX0QwMFdn?oc=5) · KMTR
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2023-11-07 [CCCU AWARDS OVER $30,000 IN CHALKBOARD GRANTS TO EDUCATORS - KQEN News Radio](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSm9Ba1A2VkJQRWpTdjVxRnNLeXBNTTlJVEh2bDNDOUY2OFBaUE9sNDJRVVlwNTFXNzQzVGVCRTY3QThhcE5nZHMwNnhPbE5LaGszME5wRUpzQjQ5VERQb2trTEVmVHdEOGJaRm5qMHpQRlNwX1Vqc00zajI3dGRXUkcyTFlST04zVUtORUhaYXZJNVRvZTkxRTdB?oc=5) · KQEN News Radio
- 2026-03-30 [Roseburg's Easter Egg Drop offers prizes, bunny photos - kezi.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNSDlFZXBpRjdLQVNjbkpTV2NZZV94VGJpWl9JZnJ6Q0UxSGR2eVBvcm53ZG9jdm9BZ19WY2g0emhBV29sYnFpcFlXRlJCNE1VNVRwRDl5eDJ0czN4aFhaT1VJWUYxRHRjaWdiYVZyaThPV0xKWFhTcEUxMXF0WHZHZFBjRW9DbUtHQ3ZtWDVTaXphSzlzRTFmSHE0anJSSHZuMVRVb01NenAtZkh0dWpreFVUcS03emJ6TG9TY1MyMDVuV1AwLUtYQUxROFpIb3c?oc=5) · kezi.com
- 2012-04-23 [Roseburg senior beats out 34 others for scholarship - KPIC](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeG9CdTBIcllCaC1nOGVGZmtFd1d6eW9iQ3JnX1A2WjFfNVFualhpOU5OQ1ZpRVoya2xOVHM3RU0yVWUxZ1Rfb3JHelZSUkhnbnIyMjVacXBBNFlhR1Z1YmU1Nko5THVzUTlYX0hNYmJXUnBHMk5JOUJiWVpNZDhkbDhzLWNUUQ?oc=5) · KPIC
- 2026-04-03 [CITY OF ROSEBURG WITH EASTER EGG DROP ON SATURDAY - KQEN News Radio](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUmxzLUV0UlRjS3drU0o0M3J6YjB5dlVKN1BUUVlXR3RFcW5tcUE1RVliMEpzRlh1cEhVX1R6Wk9EX0pCdVk4T05xM1B6NEp2YnpKdWdMYXVEUUF5MC1GOHp6WjFqNE9PQVphSDU2TFVtZWVBMTg5RlJqWF8zSU5JSE9ma1dOOXh6Y1pyYk92Ylk?oc=5) · KQEN News Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5652 (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/20.json (key "5652", 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=5652
- 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