# AVENTA
Colorado Spring, CO · NCUA charter 62755 · asset band $200-500M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/aventa-62755

Who the members are: state charter, organized 1957, low-income designated. 34,571 members of 1,037,133 potential (3.3% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 34.

**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 | $274.7M |
| Members | 34,571 (-1.4% YoY) |
| Full-time staff | 76 |
| Net worth | $23.2M |
| Net worth ratio | 8.4% (p13 of band) |
| ROA (annualized) | -0.24% (p5 of band) |
| Total delinquency | 0.90% (p74 of band) |
| Net charge-offs (annualized) | 0.81% (p89 of band) |
| Loans / shares | 98% (p91 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 3.64% |
| Net interest margin | 3.74% (p83 of band) |
| Operating expense / assets | 4.39% (p87 of band) |
| Vehicles % of loans | 67% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 92% |
| Third-party paper % of net worth | 620% (p100 of band) |
| Vehicle delinquency | 1.26% (p78 of band) |
| Vehicle NCO | 1.15% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 30% |
| Average share balance | $4,278 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,139 |
| Loans granted, annualized | $54.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | net worth falling | expense trap |
| 2016-12 | 2 | auto monoline | net worth falling |
| 2017-03 | 5 | losing money, margin squeeze, delinquency rising |  |
| 2017-06 | 2 |  | losing money, margin squeeze, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | net worth falling | loans>95% of shares |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 6 | thin capital, losing money, margin squeeze | delinquency rising |
| 2020-09 | 6 | charge-offs p90 | margin squeeze |
| 2020-12 | 5 |  | losing money |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 4 |  | charge-offs p90 |
| 2022-06 | 4 | expense trap, delinquency rising | thin capital, net worth falling |
| 2022-09 | 7 | thin capital, charge-offs p90, loans>95% of shares |  |
| 2022-12 | 6 | net worth falling | expense trap, charge-offs p90 |
| 2023-03 | 7 | losing money |  |
| 2023-06 | 5 |  | delinquency rising, net worth falling |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 7 | assets shrinking |  |

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

- 2024-03-01 [Blue Federal Credit Union’s Merger with Aventa Credit Union Is Official - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdTR4SFZzTG8wY2x3cHNrZXp6VG1KVTlDemdXa3ZEQjZfbjZaS0F6amNsSjk4NlBVTEVhRzZiMkZVWWE1bk1PRURfdk1XYjJ6QkJRTkdlUDJ1bGZ1Z3lZdlE5UWYwWXJRLWdsSnNwNjZFa295OWdhYTh5eWtJTUgwNkV4N3c?oc=5) · Yahoo Finance
- 2022-04-07 [Aventa Credit Union Opens New Salida Branch - Ark Valley Voice](https://news.google.com/rss/articles/CBMie0FVX3lxTE9UTkVBMXdKbV92NDlWdE9FV0ZPNHlaZ050bFJRR2Y0RlFsQUJrNEdBODg2a3g0al9NRndURU5yNWlJSVQtZ2NzazI5THZDYklCdHh1TjRTNjd4QnhTdUFrZFl3QjhPU3JpWGdqaDBVV002RG9LM1JndjFObw?oc=5) · Ark Valley Voice
- 2022-03-19 [Mountain West Credit Union Association announces new board, annual award winners - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxNOVFFNExyeFJoaHFOWUI0a09GZnNYejFBQW9VZVRTWlVETEotT0lZSW5XeGVmR1AyZDI1ejdtekJybWM0UU5tQ1lQek9QUjVPSmFPcEVaTlpmanNMbkxCc21fZk0zTjFOY1FVcThCRTgzVTFSRHZXRktGbG9VX21UbkJaUVNQVmFWSGpXWjlZWWdNNTdqS3YtS3h1MFpKNEE5VG15MEhHZHd1UnZ2TGtDM0EwOXBwdUZPYWpnUQ?oc=5) · CUInsight
- 2025-07-30 [Cactus Wins Ent Credit Union Account - Little Black Book | LBBOnline](https://news.google.com/rss/articles/CBMicEFVX3lxTFBjRFRCU0dkUHdIMmxfcDZJMW9qYW9yeWtQVDYyWUVqTmFTdmxTckVEU2pjdWZaMUhXS0RzVk9nZ2ZTeG04Q25Wdml4dE9xVUYzdFRLd1VzQVFIZENGal95eE5zOGxnYVRQZkxNZk9ZdVk?oc=5) · Little Black Book | LBBOnline
- 2021-10-04 [Shady Grove Office Leader Justin Russell Among New Members of Pinnacle's Memphis Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMivgFBVV95cUxNa0lkU3lrZ2FkX3NRdEFvdHN3enM1YXhKbmppTmEyLUJSSklsd2tobk1NUmxKbW1KRzRSVWY3bGxqUU82MmNBMVYzLTFQSXIzSUx1cWFoTk4xYkcwLTZCX2JQbHhVX3hnalhwVTEyOGY0MjdNRlZWeUlVRTV2ZEpxMi1pTGdqYzZBX25hNXMzX0FwMncwa1VQNm05cXVLRG5reUZRaU9kZWppZTR6QzRzeFlXNnFZYjZNWF9uTnd3?oc=5) · Pinnacle Financial Partners
- 2024-11-15 [Blue Federal Credit Union Review - Business Insider](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY25mc0RyTTZuRzlveGNDcDNobGVIUlBGZElOY3J3LU1mQTZpOGVxZ0ZQbXRnMlJUU0FjWUlxRFc1LTB5WC10dlhvbm5KYy1KaEZqS2Vkb3VvSlJDWHBWbVo2U2p4ZF9CeEd1NEh4eldibkZsSGZtNHl5clZuZEpVTFBBOHFRSEdyWUtRQ1lvUkFPdG8?oc=5) · Business Insider
- 2014-12-06 [Business Briefs - Pueblo Chieftain](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZXZxSUJnb3pjNVVSN3pGS2V2a3ZXTV9rZVlSV2ZSbmYzb2NqamVQRzFpektIemo1aDRjWU1SalhNTy1ncHZhU1F5dlIxaFFZb2VPTXVvU1lpenpBbjRDN0xlRzFFU2RoX3VwRE9UTkJ6TVdWdC1HdFFRbEZNNVRfNQ?oc=5) · Pueblo Chieftain
- 2016-04-01 [Elizabeth Lauren Hoover - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1E1LUZVUVlfUUZYYW43ODBHMXpEZURZVldrQ1ZIZ2xhUUF5eDdNczJ1cm1QNlZHT1l4QTM4TnRQdFhxTW85N3FSNjVQRUhxOVZwYzdJbUR6YVBKLUJOVnhEWW1yS3p6X3RCWVBFNlhXUE1UZGZZOUFkWURUcXJqT0FPYkZ0NTh2Y1ZOZUNTRk1LbGVF?oc=5) · Colorado Springs Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62755 (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/35.json (key "62755", 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=62755
- 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