# COLLEGEVILLE COMMUNITY Collegeville, MN · NCUA charter 63325 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/collegeville-community-63325 Who the members are: state charter, organized 1938, low-income designated. 2,091 members of 30,000 potential (7.0% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 43. **Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $10.3M | | Members | 2,091 (-3.7% YoY) | | Full-time staff | 4 | | Net worth | $520,266 | | Net worth ratio | 5.1% (p1 of band) | | ROA (annualized) | -9.57% (p1 of band) | | Total delinquency | 1.25% (p63 of band) | | Net charge-offs (annualized) | 6.58% (p98 of band) | | Loans / shares | 63% (p64 of band) | | Cash / assets | 8.0% | | Borrowings / assets | 0.00% | | Net interest margin | 3.36% (p65 of band) | | Operating expense / assets | 7.24% (p97 of band) | | Vehicles % of loans | 33% (p25 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p45 of band) | | Vehicle delinquency | 2.04% (p81 of band) | | Vehicle NCO | 15.01% (p100 of band) | | Repossessed % of vehicle book | 0.00% (p44 of band) | | Real estate % of loans | 18% | | Credit cards % of loans | 2% | | Unsecured % of loans | 9% | | Commercial % of net worth | 0% | | Core shares % of member funds | 64% | | Certificates % of member funds | 18% | | Average share balance | $2,458 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 43% | | Loans granted per 100 members, annualized | 6% | | Average loan balance | $6,879 | | Loans granted, annualized | $1.5M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **net worth falling** (`cap_falling`) - **losing money** (`earn_negative`) - **expense trap** (`earn_opex`) - **charge-offs p90** (`aq_nco_high`) - **assets shrinking** (`shrink_assets`) - **members leaving** (`shrink_members`) - **loan book shrinking** (`shrink_loans`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | losing money, delinquency 2x band | | | 2016-06 | 1 | | losing money | | 2016-09 | 1 | | | | 2016-12 | 6 | thin capital, net worth falling, losing money, expense trap, charge-offs p90 | | | 2017-03 | 10 | capital below 7%, assets shrinking, members leaving, loan book shrinking | delinquency 2x band | ## In the news (Google News, unfiltered, newest first; check the city) - 2017-03-07 [Collegeville credit union plans merger with CMCU - St. Cloud Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxQa2pKbGpTb2hRWlI2dURoeFNVbDNRWmtKVmx4S3lUNGNGT1NzNkVKYTBVc2lhSW5hMU5NZ2IxX2xhSlVWTnhlSmNmVnBwTHMzMnYzVGV3X2luYVRoMktScHJ1d2VLX2xHdVZDX0s3d1Zfb1JEV2NTY1hqbWFDd2ZWOXo2Qm5ycnlWXzhPZXAwenBnc1llOHgxdVRUQ2o2Y0tlRXc?oc=5) · St. Cloud Times - 2015-04-22 [SJU Student Run Credit Union Branch Provides Hands On Experience [VIDEO] - WJON](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUlFrbk1rWnBjSVJRUU9FS3pDU09PVWYtQ09NQllxYUwyNl9mQXBQZURfck0wandxM0ltcWNKb25Lc3lxamdKeGVyNHdmTW5VZUVYVExOZGVCV0ZubVo1RTctYVc5ZzdOaUp5SExEM200Mkt0YldNblNoYWp3SDRSNVZTSmljY0dfRnRVUDhoS1FsQQ?oc=5) · WJON - 2017-11-13 [William L. Cofell - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1WMFBob1E4c19kcDRmeUN1cjRMMGNoallreU9leElUMjRmYkRQSU1BcDI3b1BMU2d0eGFnUXJCXzZLSmlGaVd5V1BiZTJMaHRrWDQzc1pBOGpTQ09qcDBNZG52dlJzVGs?oc=5) · Daniel Funeral Home & Cremation Service - 2022-12-05 [Alfred G. Vogel - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9vd3VyUk1aMFY4VVlzYmQ4emR1V0pCcUNQcXk0R00xb1UwajNZRHo1dW42VXYwNDlLOXpVaUVHeHBVM0Z5RE1xTlpDcUtUczA3TDNTSHJOT3RxUC02akpPSDVXNnA?oc=5) · Daniel Funeral Home & Cremation Service - 2015-11-23 [In business - St. Cloud Times](https://news.google.com/rss/articles/CBMif0FVX3lxTE1zOXZ4NkVIWnhEUzNuSF83dHc4akZ0aWJtemozNVlHQ1dtU2JQSGh5ZnVGTTlWczFyUmQ3S292dEFiNFRyWFI3QllwVk5QRlA1c0puWVRlRXpuY1FWZ181MGlKVkVISnJzbW9rc1Z4V0VzSEE4eGdlZkJmYmxxTTQ?oc=5) · St. Cloud Times ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=63325 (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/29.json (key "63325", 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=63325 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide