# COMMUNITY
NEW ROCKFORD, ND · NCUA charter 61336 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-61336

Who the members are: state charter, organized 1942, low-income designated. 4,075 members of 10,000 potential (40.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $178.3M |
| Members | 4,075 (-3.2% YoY) |
| Full-time staff | 12 |
| Net worth | $29.6M |
| Net worth ratio | 16.6% (p89 of band) |
| ROA (annualized) | 1.43% (p86 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.00% (p8 of band) |
| Loans / shares | 19% (p1 of band) |
| Cash / assets | 60.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.45% (p4 of band) |
| Operating expense / assets | 1.05% (p1 of band) |
| Vehicles % of loans | 7% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 75% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 36% |
| Average share balance | $17,359 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $32,115 |
| Loans granted, annualized | $13.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 | repo signal | net worth falling, delinquency rising |
| 2017-09 | 0 |  | delinquency 2x band, repo signal |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 | assets shrinking | delinquency 2x band |
| 2018-12 | 1 | delinquency rising | assets shrinking |
| 2019-03 | 1 | delinquency 2x band | delinquency rising |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 2 |  | net worth falling |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | delinquency 2x band, net worth falling |
| 2021-09 | 1 | loan book shrinking |  |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising, members leaving | loan book shrinking, delinquency 2x band |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | losing money, assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | margin squeeze |  |
| 2023-12 | 3 |  | losing money |
| 2024-03 | 5 | losing money, delinquency 2x band, delinquency rising | assets shrinking |
| 2024-06 | 4 |  | margin squeeze |
| 2024-09 | 4 | assets shrinking | delinquency 2x band |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 2 | delinquency 2x band, delinquency rising | members leaving, losing money, assets shrinking |
| 2025-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-09-04 [Northern California-based Sierra Central and First U.S. Community Credit Unions announce intent to merge to create a $2 billion credit union - Lassen News](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOaGFDajFKS0dEaExNNHhZUElFeDZGM1Vvel9RZG9NcXRTZEQ1elh3U3JjY1pmX1VMbFp0M2JaYTRSTTRjRmJ2UmhuSmw1dldXbUdweDFZUkp6TG5GMi1NZkRIaFZWS3BjU0hJNC10N1JiQUdEUjc4b2ZUQi1EcGZFU3N2QzBHUEFqNmJCTkd4alhYcVM5MFQ1YVlOWjFZUXEyOXJXdlJMbi1JTGtKMWI5UUVQVGI2TXY5bGxsQnVqNEo1M3Zjelp0aUM4cHUxTkpvU3ExbUI4eE84YUV3RUNSLTVsZmxnMDRLWWlSb2RuRjNGb08zay1CRA?oc=5) · Lassen News
- 2026-07-31 [CUSO InvestiFi Raises $20 Million to Help Community Banks and Credit Unions Retain Deposits - Finovate](https://news.google.com/rss/articles/CBMisgFBVV95cUxPd01SUlRwajJzM3h4Q0EyYlQ2Z25pSmdZQU1uaDZDUlZORC1hc3p1RC1oLW1SSlFPQnRqTlVHckp5b2ltLU51TldMLVZsSDlaUF8xN2xFYV9OakR0QUZQb0pvWjAxOU83WGZ3ZjZxSWI5aUczMlhEVTRmNGdzc1RhNzBpSVVVNUcyd2JPT0FHMVhQbzV6VEtmNjBqQ3RFSWFYVHNDOG00Y3Q3Z2ZUQUlRQVlR?oc=5) · Finovate
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-05-12 [OnPoint Community Credit Union Awards $40,000 in Scholarships - OSAA](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNS1LVk5tS2tUT3pkSkRzSHc0NkZmd050ZGkzZUZwaWR5SjZLRUx2Y0VfeXFVdWdSdVdGQU1QbG5GSGt1SVhoWlZLcUVhZm5vdEFHZi1EOU9Rd3lmNkE3UG5faXhCWE1WS1ItZTVwanlYR0VLc0dXWk1weVNsWXBPN0I1X2tRbUp3enVFTkZra1k2cVNkbFNXSEswZlJaU29ZVzVHTlRkMUI3d3BWeVJuNEFocmRlcFk?oc=5) · OSAA
- 2026-04-07 [Two Missouri Credit Unions complete legal merger, expanding member value and community impact - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbDlDT1VoUmJzRXpEQVUtUDY4VGJpRGVJYW51Vks5c1h3aWFGRUdZdEJxZVdpcEhjOVljU0ZDWjRmNzBSMWFSaFhyLU40cEdzcXdzQ21SRHJ2OVVjTEZaV1U2RkYwRFJvNXFzX1JWVlJ4R0x6QXpuZW1MZTBYd0t4dFJqR3JmU0RWbTdKc0l1MlZHelVERVdGMVB4eEZWNUNYWUdTMngtSF8zZGU1MHhwM0Y3RlRtc1dMY2FGbnI3UFJFZXpvV3RTZ3pLaG85Zw?oc=5) · CUInsight
- 2026-05-14 [Citadel Credit Union Celebrates First Philadelphia Branch with Official Ribbon Cutting and Community Block Party - PR Newswire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOdmlJZTBMVDFRZTZOSUthN1Z3WWpPc1NydjBVVWVZb1ZEVEJUY2ljZ2lzNmVoZHhYVkVQTTdIM090YnFZZ1BVMENYeTRzdzR1TVVkWHFWRThfRFplZV9FNGNuUDRYVlZUQ2otMHVNbkhRS2VwM29panRxaThSRFIySW5SOFBpeW1ORFp4OVlxZ0pLSHJ5Z0dTU05UNXc4aHhJQzdNM3NhYk9uSE5lbnkzS29zMnYwUXBTTnBfdzlwczhGLTY1Y0ZpT2NsOEtTWUk1WjZJYUcwdGVVUFllV2dpdVM5cHJpY1lxdXVmbHdYTEZjX2RoeXh4ajRsZVY?oc=5) · PR Newswire
- 2026-06-03 [First Community Credit Union Awards $72K in Scholarships - News Dakota](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZm9sSFE0dEF6Zm5LWnhmZDhMa202S2c1ejRHdDJVY2VQMUVGR1FYb3hhLXB4eWZrZjFXbExZRXNnUXZTMXNtV0hBcmFzdEhIXzc1UFhFdDhoNy1LZ2MybVBxM2twRXoyQ2dhMkxnU05rSzd6R0NCZDZVNnZpLTNfOEhBRURjNDRCYloxZXlCTDY0eThHX2NlejNvX0NXSmxFaVNr?oc=5) · News Dakota
- 2026-07-14 [8 Credit Unions Anyone Can Join | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMieEFVX3lxTE9QSi0tMEVzUDIwQjRjRXV3QnlzdzRwYUlwQVNPU1VFWHBMMTBXYVlqY296amFwRDB1d0x5R2JvdmJXZmpyNTE3X0JmRFdsT3hUNnl4alRKMFpXM2pSNG5TbEh6ZUtvQWNvdTRtT0pnYUhmelhVYXlTYw?oc=5) · U.S. News & World Report

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61336 (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/24.json (key "61336", 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=61336
- 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