# COMMUNITY WEST
Kentwood, MI · NCUA charter 61677 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-west-61677

Who the members are: state charter, organized 1967. 17,796 members of 1,203,897 potential (1.5% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $255.4M |
| Members | 17,796 (-4.5% YoY) |
| Full-time staff | 63 |
| Net worth | $22.8M |
| Net worth ratio | 8.9% (p13 of band) |
| ROA (annualized) | 0.18% (p14 of band) |
| Total delinquency | 0.43% (p33 of band) |
| Net charge-offs (annualized) | 0.33% (p45 of band) |
| Loans / shares | 62% (p25 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 1.23% |
| Net interest margin | 2.99% (p18 of band) |
| Operating expense / assets | 3.86% (p57 of band) |
| Vehicles % of loans | 40% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 79% |
| Third-party paper % of net worth | 210% (p82 of band) |
| Vehicle delinquency | 0.67% (p58 of band) |
| Vehicle NCO | 0.61% (p50 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 16% |
| Average share balance | $5,867 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $23.9M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,006 |
| Loans granted, annualized | $31.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $23.9M outstanding purchased (104.6% of net worth), $538,346 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | losing money | loans>95% of shares |
| 2019-06 | 3 | assets shrinking, members leaving | losing money |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | members leaving |
| 2021-09 | 3 | members leaving | net worth falling |
| 2021-12 | 1 |  | margin squeeze, members leaving |
| 2022-03 | 3 | losing money, members leaving |  |
| 2022-06 | 4 | net worth falling |  |
| 2022-09 | 6 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 7 | thin capital |  |
| 2023-03 | 5 |  | net worth falling, delinquency rising |
| 2023-06 | 6 | delinquency rising |  |
| 2023-09 | 5 |  | thin capital |
| 2023-12 | 7 | thin capital, assets shrinking |  |
| 2024-03 | 7 | net worth falling | assets shrinking |
| 2024-06 | 5 |  | leaning on borrowings, delinquency rising |
| 2024-09 | 3 |  | thin capital, net worth falling |
| 2024-12 | 4 | assets shrinking, loan book shrinking | losing money |
| 2025-03 | 3 | thin capital | assets shrinking, loan book shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | thin capital |
| 2025-12 | 1 |  | members leaving |
| 2026-03 | 4 | thin capital, net worth falling, members leaving |  |

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

- 2025-11-17 [Here's where you can drop off your donations for the 2025 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaDVJVTkySHFzNmM4S0haQTZjSEtoZEZCa3Y4QVdtcmRMV1pLWlZWa3U3aDhZMndVSExrY3dvR0pyWHZuT3NFdWFNekFjU3UxZ08zWW5KSG83el95UzFFZEdqWnR0TzBvMDIxeTFaMnJNOTd3d0EwbzRRbndhQXE0NnRjTXlaY2RYS195UlAtWTlublZpY3pGQWhyWEtWSU5Tckl3RklzRmdYTTgzS3F1NUdFdEFEc2xfelA4TXVKVFJ4aEQxYXNmeGZsaXJoQ1Q1R1BkSlR2VHhYQQ?oc=5) · WZZM13.com
- 2014-04-19 [Robbery suspect set for preliminary exam in Hudsonville - The Holland Sentinel](https://news.google.com/rss/articles/CBMirAFBVV95cUxObzRqSFlzSktPT0otN0ZPaU1Kenpfa2RmZEYwTUVCX2VJVXlXaU4wUjMtdmQ5Y19iajhLUW9oWWd0RGJuM1hrVjc1VGpJR0xxTEViNGlxSnYwZUJBSWU2emRLd2YzUXhfZHJ1Uld6NFYwVi1MOWNfbkR4ZC1FRHNERE82bkFNUV91dGZEc3dlNzdZUm1yd1NTeXU5c0Q2NjFObFdpSWFLcXMweEZZ?oc=5) · The Holland Sentinel
- 2021-10-01 [Cody Zwiers Obituary (2019) - Grand Rapids, MI - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYTRqRWtmUW95dlNKRG9DNzYtMmZlYnpCSjEtWGp2MmJpUHVuSTFXUXBPc0lFOURyazYyeHZGSEQwUEhBRFhzRlR4VkRncGFZYTBtblBmZDFGN0RHZTRycVM1TW44aHM2YlpQSUZLRjJZVGszVlduWnJQUlZzamhNZnF3WW0yLTg5WldxVVpxdw?oc=5) · MLive.com
- 2024-11-13 [Here's where you can drop off your donations for the 2024 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQZFVOSWJRVFFseWdVeERVMGQ3WjJ5ZC0tUk5UX1c0SWNYWko1TWVuNno2NjBYakphRC1LX3U2d09mR1RuVWxqWFNrdzk0RmozeE91MU1sSUxyeWhqdkpLTXJyLTlfakx0dF9SbEJJRTdnUE1MeDBETC03VVdfVld1NWdjZWZ3N0V1RXg1Mjd6VEtxZFBJbEtzLUFnd1Z0eVFxUnNxU2JQeVl3Y1RNTDZxLUxndGRfZEhaQzlkRERXYnVSbkNRekROY2kxRG9vN21VTTRPNWp0d2pXNFhQNUo0RXp1M3g3SnQxQmo3XzZFNmQ?oc=5) · WZZM13.com
- 2014-04-12 [Man accused of dressing as woman to rob Hudsonville bank held on $200,000 bond - MLive.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOR251VzE1aGluN1EwNEN2eHZ0cnF6QXllcGd0T0hQZlVLUngycjdYU1dlZGxKQVI3QllNdlZ2eUo2N2tkQVk4bjVCUVpmNkVCaGFsWVc5OFB0aTd2ME9NZ09fUXF3dXdiWE9fNldqbl9hUi1qR2QwZEE4OFRyTEZIRmJJVGhqbDhZUlBJ?oc=5) · MLive.com
- 2014-08-11 [Todd Kooiker, who wore dress in bank robbery, sent to prison for up to 20 years - The Holland Sentinel](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNG9XMEgzTGpxcUFqLTlyQk1LbHpicHpZaXBpWlZSSWpDM2tLX2RmUTJhdXkwYVV2a0VycG1XYm52cWZyM1FqVEVPdVJVR1pCNFZhU1ctYkxkaFkzRG1Ndks5U1hfXzlrOUEzNFUzcG9ZR2phZjhVZ2VWRUZLVVJRNWdrSUF3VHhDNEhvejNqb0pBdHNZQ2Vyb2hTOFAtWFVTVkpF?oc=5) · The Holland Sentinel
- 2016-07-22 [Vern Hyde Obituary (2016) - Wyoming, MI - MLive.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPdEFZVFNGRnVuX3E0c18yTWV2bmladWJpUUZFOHFmakRqSER3LURxZDB0MFZCQXRBXzg5UERwTnVIX2lsVkVLMGF6U2pBQzlERG1MMUM1OHVlV2VfUTB6RDkyTkExZHg2a3ZQcktUSjhwUDNNN3NJNjNQc3Rvc1RnYm5Xb0tMVklNU2R6eA?oc=5) · MLive.com
- 2014-02-14 [Getaway driver pleads guilty to robbery of Wyoming credit union - MLive.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZGNvSEFqMW5LMHR0MlBCZlZqVV81am1mNzduYXR3QUpXQmdvLXRzSHBjTEVMUjJzOW9rQzI3MGtGX3d4VG1PbGtZbWd5Q2t0VEF5V0E5MXJOcXpsSVMzNVkzaGtEYmxNREN5ZFVoUmhTQnNUaE5CUXY4cDRyeTgtNkQtRFQya0ZJYkQ4?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61677 (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/45.json (key "61677", 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=61677
- 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