# SELCO COMMUNITY
Springfield, OR · NCUA charter 63196 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/selco-community-63196

Who the members are: state charter, organized 1936, low-income designated. 151,475 members of 9,350,309 potential (1.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $2.98B |
| Members | 151,475 (0.3% YoY) |
| Full-time staff | 474 |
| Net worth | $348.9M |
| Net worth ratio | 11.7% (p67 of band) |
| ROA (annualized) | 0.59% (p40 of band) |
| Total delinquency | 0.46% (p34 of band) |
| Net charge-offs (annualized) | 0.35% (p30 of band) |
| Loans / shares | 73% (p20 of band) |
| Cash / assets | 12.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.01% (p29 of band) |
| Operating expense / assets | 3.14% (p45 of band) |
| Vehicles % of loans | 42% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 219% (p70 of band) |
| Vehicle delinquency | 0.53% (p46 of band) |
| Vehicle NCO | 0.73% (p34 of band) |
| Repossessed % of vehicle book | 0.08% (p52 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 25% |
| Average share balance | $8,031 |
| Participations bought / yr | $7.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $120.8M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $24,739 |
| Loans granted, annualized | $544.3M |

## Participation posture (from the same filings)

Bought $7.4M and sold $0 in the latest annualized quarter; $120.8M outstanding purchased (34.6% of net worth), $23.3M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **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 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 2 |  | loans>95% of shares |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 3 | margin squeeze |  |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-03-17 [SELCO Community Credit Union promotes Mike Donaca and Michael Sauley to expanded lending leadership roles - CUInsight](https://news.google.com/rss/articles/CBMi3wFBVV95cUxObGhTVElPdGkzM2d1djh2TEhXa1lkN1BfMU43c1B5SDJTY251R2FpRU9WaG9JY2piSkw5Q19iLWxGMFhyUGhLSVVEM28wM1Y4RVhYQmpoMEVCeHk3TE1IY1pPMU1YWVNnSWQxNnZEVHF1Y3VZR3B2blBUN3d0VVNOT05Wc1RtLVY1ejBRc3dTZXVhZE9lN3NkSnFWZG9HdmdLLVFoMFZZVWJxWXFHY3BMWkh4QllKV0JIT2p4c2h0S1BVbGk4NWdPMFdRZk9uY3lJMjJtbE5BQ2JobnBuWmJ3?oc=5) · CUInsight
- 2026-07-31 [Fraud Prevention Workshop with KLCC & SELCO - NPR for Oregonians](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rSkM3V1BieDRiYjBNUlBTaXgzdmdvd3ExUHc0THBNOG5GMS1CcEhaOGV5dTNMNXliOXFyVEQtT2lDcVVSOWVLRUdpM2N2bkVuczVyTzFtdjgteXRQOEptNUxTSFRaU1hQYXR1VG52Z3hUYWJkM3BFaWdKaE91QQ?oc=5) · NPR for Oregonians
- 2026-08-12 [SELCO Invites Educators to Apply for More Than $125,000 in Funding Through Its Creative Educator Grant and Classroom Makeover Programs - oregonbusiness.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQN3czdDVPeE81NXZaeC1CS2lwdm95Tlk4NVdaWG5KZ09iYlZFelFVbnVoSWxnekpQZ2tsdDNadWh2bGRnWUhodUZMRXJPVGR2a0FFRUZUWGR5QS1TcmtOa2YxR2d1N1A5ZkYyNWJxR2h5d1lVQmxyeDdqZkZYYnFrWlVQSzdEdVM3SjlmblJ4aUhIdVFvR2x3RGpfOU1mcVFZNDF4SFVVcGpzNURHZ01ua1RESWtyQUMzRWxwRnBHNjFOOVNTUmt0RVlsLUJCTE40dDVtUkxJT1BXSjZWREZmRjlpQm1vZlpVY08tVnZqdDVEUQ?oc=5) · oregonbusiness.com
- 2025-12-04 [MBSEF and Selco Community Credit Union Now Accepting Submissions for the 50th Anniversary Selco Pole Pedal Paddle's 2026 Design Contest - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMikgJBVV95cUxNY2lHUWdITUF3SFowQmFBdXhDQnZiMXE5Q1VocnRmRE1iMnZHUUoxTWNjZDdoa0IzVEJkR2dlejlFWXJ3bXpqVTdaR1VreGhfOUVMOUduQVFHZmhZZmtYZUhmS1JGZFV3aUVRT2hZWllRU1dPU2cxUTZtZlB0ejJMcjduQ3VEWVJ1Sk55MEJyNy02QWpDM2VQSm5XTThLWkJVbkN4TlBnSFhOZVhQYWJMR1ZkMWJRMWdjOHJJcG84T09sYjRlVXY0Q2luOEdCVDNpNDFUbVRHcWhhZVhKT0NZcUVKblJVaERUZEpPX0dxVHNjMnQ4bEtwZTk4enJtNmloelBueXp5Ym5GZ2RaWjZ0Q3JB?oc=5) · The Source - Bend, Oregon
- 2026-01-13 [SELCO Community Credit Union Selects eGain AI Knowledge Hub to Enhance Enterprise Knowledge Management - Quiver Quantitative](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNWXNwQTdpbExjX1VLNVFjbWtkaVVDenhPeE0yRFBzUWFxbDJ4Njd5cG1mSlJ1NDIyOU9sYkdlUUV5Uk85S09YSlBNZGpXeGM2TWRkdUxmc1NQaGlxQzFmc0VjcWo1dVBaemdNS3ZKdHdaWVo2MGQ2TmlKdnFvRGlHeE9IdGotclpldlpSV0Y0QzBzU1BkTUpRS1dUUHcxYW1PQ2ZUNVlzYVJORmd6aHhCdVR6dUZ5ZGtIZWNHQXdMd1lQa2Q5NnF5ZjVyTWNSMnFQ?oc=5) · Quiver Quantitative
- 2026-05-28 [SELCO gives flexible Scholarships to Bend Students - KTVZ](https://news.google.com/rss/articles/CBMijAFBVV95cUxOVTVJUlFvblNNYWktMldKdmlWXzF1bHJ1ZmpPcGkycTZPanBib0VVQTZJWVdkamcyRzBOU21tVmcwUXMtVURpSVBrR2NKV3oxZmozNGQ2SUhqSmYtXzk0OGIzRkQzU3RhdEhaZkluQzJHalB3ZU9lZlBuTDVUNUdrNlBQWDlWVThNZUJhYw?oc=5) · KTVZ
- 2026-03-04 [SELCO Community Credit Union announces retirement of senior VP Craig Carpenter - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPN2VWNzlFbUZZUkpRZFJRUGNnNzEyQ3RoNDhNZnFsTldVMmlaUGtjSHNoUDRxSUgzQ1JhalBqdHgtNWNRR1RHUnNvZ0diTEQzdVZlUkpGMnQzMTZpRnZubjZSVWl5N05jYkxrSWNYbURyYVNYMEE2T3BCaE5CbmlVSGpqTmNGMlZHaHpFZUhfbWhsU3h6V2dHSnhaN05MdmpMSTNaMUdJbVNjZGRZTkhrMkdqdUJNNXRxYzNv?oc=5) · CUInsight
- 2026-08-10 [Application period for SELCO classroom makeover grants to open Aug. 15 - Redmond Spokesman](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZGJRYVZ5TlFTV1AzSGJOb0p4RU41Zi1Xc0xBU3JzU3E1SEVYUDFJcDBwM2xpbHQxSmJBd1pXNnFQVDFXY1JsU0hSbnl0Rk5xb1RCdExfME5OZ0FRS29pRzJwV1lQdTdjVC01YkRQQktac3FnUXU1MWMyM3Q0LUlTZ2thZXZWUjZPTHJOWUdrZDVLRHItaEpJSnBodm56S2ZLTHE0ZVVVNzdvaVoybVpn?oc=5) · Redmond Spokesman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63196 (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/28.json (key "63196", 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=63196
- 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