# WELD COMMUNITY
Greeley, CO · NCUA charter 63122 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/weld-community-63122

Who the members are: state charter, organized 1936. 7,155 members of 65,089 potential (11.0% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $110.9M |
| Members | 7,155 (-1.8% YoY) |
| Full-time staff | 23 |
| Net worth | $12.2M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | 0.90% (p63 of band) |
| Total delinquency | 0.04% (p3 of band) |
| Net charge-offs (annualized) | 0.30% (p46 of band) |
| Loans / shares | 60% (p33 of band) |
| Cash / assets | 42.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.19% (p79 of band) |
| Operating expense / assets | 3.81% (p57 of band) |
| Vehicles % of loans | 40% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 78% (p65 of band) |
| Vehicle delinquency | 0.05% (p9 of band) |
| Vehicle NCO | 0.96% (p72 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 6% |
| Average share balance | $7,413 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $20,256 |
| Loans granted, annualized | $17.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | thin capital |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 3 | 3rd-party paper>100% NW | margin squeeze |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 | assets shrinking | thin capital |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | members leaving | 3rd-party paper>100% NW |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

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

- 2021-05-26 [Weld Community Credit Union marks 85 years serving the community - Greeley Tribune](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPdjdGazJwb0FzbWd1ODdQMWFhVHFtdjNoX201eEp0aG4wV0s1Qlk1eU9VWHJpSWszR1QyR2IzSUd4WHlNeXhRQUxYWkNsMXprZ0NqcFpwUmkzNHh1aEczLVlaMkgyWFRCMi13di1VQjEtRElxN3djZkhuVDh0Vll3YkNtTWIzWGZPYmw0UzF4RnRKU0ZCWk9vQ254N1FyWGNnYThsTkhQa2ZSTVk?oc=5) · Greeley Tribune
- 2026-03-02 [Maria Lee & I enjoyed kicking off Read Across America Week with the remarkable students & faculty at Trousdale Elementary School. - facebook.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQVW9RN0d2Uml3NGlMSVJrOG9Ra3M1X2Fnc1BuMkp1VmdMcjl3cDJQd3UyTWpoNVd6QWFnbDJsWC1yM2xxbTNrVkc3N1VGSlZSVFpKT2lfT3EwRUlJUGtIZGdnZGZfVURLTHdrRGFyYVRJYkVBOG5NUERtQk9VaVRnSFRpa2drNW1Gc1BpbElCdEJnb1dtbVVBcllpNlh5NzNVS2d5UE02UHRPRnYwYmdxcjkzOVZ1U3BJNjRWTzlSblJFWXQwTDZ6emlLNTRnNVlPdlJROUh4UQ?oc=5) · facebook.com
- 2022-09-02 ['People helping pets': 2nd annual Woofstock to raise awareness and collection donations for the Humane Society of Weld County - Greeley Tribune](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNQnZaOTVGVFRYWE1PVmRvalNzb3ZLSXkyczQ3N183Sk5lcEstYjFadVB0RXdZSlhzNzV1NHlJUFJkVllhdWxudjJNVU5kQ0FJS2RWdmtLUEo0aU9hbnhNbDUyN1l3OElxakpickZPb09HZmJDZ1hLdmRJRW83c1ctYmF6Ty1BdmhremtVcHFXVGRpM0MxLVc3MVd3ZC1fRENOS2hYYVJsY1pEdVlUQU0tWHlzZ1ZxVHNFandQZEdpcy1GaEJKaTFiTTlNLVpHT3lpSTQ5bEdmMVA1czR1aUR4bDhCTUkyaDhGSkpCY1ZsVEgtLTdFM3llNw?oc=5) · Greeley Tribune
- 2024-06-23 [Loveland Business Briefs for June 23: New hires, new author, Leadership Northern Colorado graduation - Loveland Reporter-Herald](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNa2JPQmdSS244bzl6VXFJZzVxSzhTelBPTWZrdU5LZkl4YWtIdG9MRmdtd3pSLWNtekxPWF9Vb1hWQVM2bG5MR3dBYXZjTzNhaE1MN1QtczJlRFByVTlCZHZsOG5qNFVhdHZ6SGZlWXlmRFpGN29NUlQ0VHZSYVM2QjFQYTE2TUJKbDZWcEp4UGJndEp2alNyLTN5R1ZrSW05SlQwTDUwT1hBdmZDdTdRaG92bTM5UzlKX1U5UUp4eGI4b3FfdlhYbXNHSVBXYjVaYVhhWlRIZw?oc=5) · Loveland Reporter-Herald
- 2023-07-24 [Big Balloon Build Colorado wraps up an out-of-this-world one-time event - Greeley Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxQdU5PN3BKWDZFNmRGSmJRRmw5aXlwN1RneFhCZlZUYWJOMGdJVG9NbFlUeVYwb0JyN1RVWnJEeFA0SDBRZElYRVZ3eFAzS1FmQkpmcWFlZzd2VTVybTdoWnhQUzJQYlVTWkJOOEJQS19qMV9ac3ExUUFhYzdRWmpqdzYzMzU3SkpzYlNxc1h5M2l0a193MElSaEh3R2x5a2R1T0xrekFjZ242LUlJcUV2NTl5T2s?oc=5) · Greeley Tribune
- 2023-06-06 [Humane Society of Weld County to dissolve as Larimer Humane Society takes over services - Greeley Tribune](https://news.google.com/rss/articles/CBMiygFBVV95cUxNa1VQUW9ENEdOY25xM055Y0pvYVVhZGc0bjVjWnhzNFJyOWphTXBxdWFVN1Y0WWtzMFhpbzEwSnlPdVVwSmE4eDBtVGpaUVcyRXliRGNGV3Z0eWhueUhGeElUU2l3bnpkdFhMZld0amxZY2pOMzlSWm90cHNKRW5yWW1qZzVqel9wQkN6ekxYeGJVdE9BRVhhalE5YkxhOEo2dVVOa0phUEFrS1c5a3FwNnpTQzY5eWVCMGhvaU5WRXM4dFc1OWJSLWJ3?oc=5) · Greeley Tribune
- 2023-11-30 [Get into the holiday spirit with these 21 events in and around NoCo - Greeley Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxORVdldVZQTFNjSnl0azgzWWd0OVUzNkZmdlFmZkh5VVVMY3VIN0kxakk4ZEVoeTl4N3RpbnhEUmtMblk3LW42eVB5bVFwcTVJUXlJWnM3eDhaQlh6QXBNVTAyRHNucWNLZ2E4ckdTVl9iRmpxU3lWME9QLWRBQjNYSzJoWHpxNElpZWwyeURFNkM0YUZZTVZUTVduOEYtRDEwdlNRTjFxbUlZM0gybm00?oc=5) · Greeley Tribune
- 2022-04-24 [Greeley resident Angelica Aldridge stands with her home country of Ukraine in fight against Russia - Greeley Tribune](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNaXhNSWU2OGRHY3lNNUUyVC1vdjU1eWlTSE55T2lmUlN1a1FDckpQTllxN1hab3N0OUJVUS02Um04bDVtQTZDVngyeGJNaHpwU3NYYUlqNnJrb2ZlbUpLTzRiZG1FQkt0X1VkYU44aEI3bi1oMkt1OG1tWVV1QkhyZlJUR1FMXzdzTHg1Y1MzVndsVXZLdGxTT1lEMmczcjFKSUwxbm83ZFRsRXo1bnBULTNiTnJBbEstTzFkQldZcmVac0sxaDRUVVVLXzJEYUd2RGdnc3Q0SXU?oc=5) · Greeley Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63122 (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/18.json (key "63122", 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=63122
- 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