# CITIZENS COMMUNITY
DEVILS LAKE, ND · NCUA charter 60600 · asset band $100-200M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/citizens-community-60600

Who the members are: state charter, organized 1940, low-income designated. 11,393 members of 42,500 potential (26.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 57.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $184.9M |
| Members | 11,393 (1.1% YoY) |
| Full-time staff | 44 |
| Net worth | $13.1M |
| Net worth ratio | 7.1% (p3 of band) |
| ROA (annualized) | -4.25% (p1 of band) |
| Total delinquency | 7.52% (p100 of band) |
| Net charge-offs (annualized) | 1.17% (p94 of band) |
| Loans / shares | 85% (p73 of band) |
| Cash / assets | 15.0% |
| Borrowings / assets | 5.41% |
| Net interest margin | 3.23% (p60 of band) |
| Operating expense / assets | 4.38% (p79 of band) |
| Vehicles % of loans | 9% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 12% (p44 of band) |
| Vehicle delinquency | 1.08% (p74 of band) |
| Vehicle NCO | 2.36% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 691% |
| Core shares % of member funds | 21% |
| Certificates % of member funds | 38% |
| Average share balance | $6,311 |
| Participations bought / yr | $0 |
| Participations sold / yr | $73,600 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 42% |
| Average loan balance | $20,875 |
| Loans granted, annualized | $48.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, repo signal, loans>95% of shares |  |
| 2016-06 | 4 | leaning on borrowings |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 3 |  | repo signal, net worth falling |
| 2017-03 | 3 | losing money, delinquency rising | loans>95% of shares, leaning on borrowings |
| 2017-06 | 5 | charge-offs p90, leaning on borrowings |  |
| 2017-09 | 9 | thin capital, capital below 7%, assets shrinking |  |
| 2017-12 | 7 | loan book shrinking | delinquency rising, capital below 7% |

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

- 2023-05-15 [Citizens Community Credit Union welcomes back Stephen Hindman - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxNalpiZFZlaUN6V0R4TFRfZXJmeGdwYlIzdldnNko4dkZ0X0tPRlF4MmQ5bWlkeVdOcmNJc3FYaEREUDVVUGpXektRR2ZDQzNNaUNyTUdwdjM1YUJsMWJxLTZJdElfemlRRTJ2TEdoV1FsTnU4LWlmU1BQSzluNnlzcFF1Tm9kb3ZVRmRhd0p6ZGx3ZDlZZ3RWNDdhX05HbDd2aWgzbA?oc=5) · CUInsight
- 2017-12-22 [Two ND credit unions agree to merge - InForum](https://news.google.com/rss/articles/CBMid0FVX3lxTFAzaGN5MXU2VUZUOWxsZy1QMnU0eThTRWY5Ujh6QzF0dFdsMktpR3N0X3JEYjhqYjQ4VlZZYW5mTTBtSk1kWDR1WHBlNm9qWVNtdVpnNW00RGNzaWt1ZEFKV3dWa1JmenBRb1NUc3BIbVNCR3VUREpn?oc=5) · InForum
- 2017-06-23 [Feds take over Devils Lake credit union, cite 'unsafe' practices - Grand Forks Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxOZl9mdk5oUkFaeS0wWHZsam91YkRjX1VIRGRTX01qd1JtN3NHU3l0WXhPZ2I5VE5TUmF6YnpkSGF2Ml93OGhQN2lmQzdQMWJFUlM0c3BNZ0dLbk1ubGZqbExNY1dYaVFna0ZTRWlqMENvTDE5dmVJZzdULURLdEYzeURSU0tJdl9aM2Fra2ZSeGhXTndSUHhFOUYxQ0VJOXFQVDdz?oc=5) · Grand Forks Herald
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-04-12 [Becky Lynn Petersen Obituary Apr 12, 2025 - brucesfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9jTDhqUzZ5UHlvTnlzM0tNb2owSWZXWUJmUEJQMk1ZT3huMVRmb3VmOGIxa1lpSlBzNnNqQzBuZ0YzMDU1WkkxY1hkNmt6bzJUcmJwRENBV2JvRUhjMEpCQjN3OTVWYzVNRGNJ?oc=5) · brucesfuneralhome.com
- 2023-08-21 [MARNIE RAE HEUSTIS Obituary Nov 26, 2011 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBoWDAwaUx5NWpVWElxZFl2aXhWeUpic2R3TzFzaGU3TzI2NHhtMjczS0tJODRoVWtCaUxRSl9mVlFMV0V2VkhhbTR2UzQzallnaEwwN1Y5bXpCWHFZVFBuNjlvWjVtaU0?oc=5) · Gilbertson Funeral Home
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2017-12-18 [After federal takeover, ND credit union enters merger - InForum](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQVhHX3p3RTV4cmNTTFhNT2w5WFpIdDNSVmozWVJBX3ZzOG40akUxOTczMEFINFgtWVBSZGtIaHZRN24wRllsTk1TNFp4N1dwb1BlUkZuQmlXNlFsS1d5V1JwZ1h4VU1QVzJyekxPLVpLZVU0ZUxqc0l4X3lvOW9xV05ZNk01UlF4?oc=5) · InForum

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60600 (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/56.json (key "60600", 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=60600
- 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