# UNITUS COMMUNITY
Tigard, OR · NCUA charter 63440 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unitus-community-63440

Who the members are: state charter, organized 1937, low-income designated. 106,662 members of 11,714,888 potential (0.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $1.81B |
| Members | 106,662 (0.8% YoY) |
| Full-time staff | 313 |
| Net worth | $176.7M |
| Net worth ratio | 9.8% (p28 of band) |
| ROA (annualized) | 0.13% (p8 of band) |
| Total delinquency | 0.40% (p27 of band) |
| Net charge-offs (annualized) | 0.55% (p55 of band) |
| Loans / shares | 84% (p44 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p26 of band) |
| Operating expense / assets | 3.49% (p65 of band) |
| Vehicles % of loans | 32% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 253% (p77 of band) |
| Vehicle delinquency | 0.53% (p44 of band) |
| Vehicle NCO | 1.22% (p62 of band) |
| Repossessed % of vehicle book | 0.24% (p88 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 172% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 25% |
| Average share balance | $5,873 |
| Participations bought / yr | $0 |
| Participations sold / yr | $52.1M |
| Participations outstanding | $10.3M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $25,642 |
| Loans granted, annualized | $359.7M |

## Participation posture (from the same filings)

Bought $0 and sold $52.1M in the latest annualized quarter; $10.3M outstanding purchased (5.8% of net worth), $5.6M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 4.1% 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 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | net worth falling |
| 2020-03 | 3 | losing money, delinquency rising |  |
| 2020-06 | 2 | net worth falling | losing money, delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 2 | delinquency rising | thin capital |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | losing money | delinquency rising |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-08-25 [Unitus Community Credit Union launches new app Movi that makes transferring money easier - KOIN.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPSXYzQngwV3dsRUdNSzFvNktrMFRCV3FHeC0tTnE1LVFoekZMYnNQb1Bub1JFUC16SWs3U1RDcmgtYUdENnQtcGstWi1SeVd4NVJBOEg5X01jZXRRR0Q5Ty04UmRwZTBZN3hTNFZERVBacjlueDVFdjBTd0x6Q1F1d192My1la1QyRjZub0hYcEx6bFc4NkNLN2dJQWsxU29weTgzcHNjNFZhWHctLTNZc2RzQnVlVHduX291RFBZMkk4NEU?oc=5) · KOIN.com
- 2026-04-28 [Unitus Community Credit Union Commitment to Communities earns PBJ Corporate Impact Award for Juntos Avanzamos (Together We Advance) - CUInsight](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPR3VDWExnbW9oNFNMaUt1RHU4YTNfVU1Nb3VMM2VwN3hWU3NuNXA2bGxDM2FSeWlaSTA2Y1g2YU9ZZlUzV1ZyWmFLei1xNTdfRHdOVWEtcTdMWHBTQ0gzc1ZHWUhlLTBYbUJYMDd5YzN0NjB3Nnk3bVQtaXVBbzZLckR4TkpTaW1PVDFWN3FjWE1NWkN0UG5saW5qQ0JhUFE2RE9GaWwtMmxiV29oVXQ5LUlQMTNMdEdaZmg5S01oTXVLZVJWOHFJRWk3aVlVT1ZOQktMQW1TZU9KM2NQc2VKSlRMYmw2MHBWWUQzb1FQY3R6S3VXdFcwa0x2QVhRdE0?oc=5) · CUInsight
- 2026-04-24 [Inclusion & Belonging Corporate Impact Award: Unitus Community Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOOHg0dzEySjJZb01kSUR4NFlHVF9xZ2dZc3k1Nm0tUU5ENVdRRHdBWTZtcVQ0bmE1a0JFU0xJUV9iRTdlNUVoZjk2STdpRlk0WTg1MnFMNy00d2hKT0xCaVR6bFJUZ3NyOFF4dzM3VTItXzU4MWZaZmUtRTdfMEtMUjRvRExwYjJPLURNU3dHUnc5Q3VJeWRfTW9TR2g0WC00RUlrbXpfQ3pNMTg?oc=5) · The Business Journals
- 2025-11-25 [Unitus Credit Union and Financial Resource Center opens in Woodburn - Woodburn Independent](https://news.google.com/rss/articles/CBMisAFBVV95cUxNM29lNk1UMm91dk5BNG5YSlpZdHBfMnJ4bjdZRy1rMWVMU29vTnFFSWZoSXBZdm9WYVYwVUNLUFBEOTVEM0t5eFNxZmlYZjIxQS14SHVnamttTlZuNTlkbzB0MG5UVWdIY0FHWTBMNGtzcXdUbTNJMEpHN1ZfdlBsdm9OZTJJaE1mZUw1NFlTTGZlOXFlS1BYNDdnaTRGbEtBWDFudnJteWJuaXJYM0o4Mg?oc=5) · Woodburn Independent
- 2026-08-25 [Unitus Community Credit Union launches Movi and celebrates Juntos Avanzamos - KOIN.com](https://news.google.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?oc=5) · KOIN.com
- 2026-03-11 [Unitus Community Credit Union celebrates grand opening of one-of-a-kind Financial Resource Center in Woodburn - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNOWR6QUpOLWo4UmNRQ29PcE9Rc1FPZ3llLUZGaHNLV0lDTWZKa1J2b0FiQWRrZGJDQXZjbnJsSFFYcmwtUXgxbUFNUGtZOS12WnVVUS1MTVJ4ekFuWVNFOE5wdThsTno1SmdLb1RnckNwQnlPdENjSnJtT1pUYWRIalpRSHd4bEJKd1pWU2NWdUdsYkk3MjBldTNaU1RJeUctVHctdTRNWklfd3lnQVBrMTdwRmlsUkdmS1MwejNVWjR4aFBEQl9DUlFwNXl3dk1fTDlJUjhsMUpMa2dJdnFBWHZVdHE?oc=5) · CUInsight
- 2026-07-08 [Woccu co-pilots digital remittance between US and Guatemalan credit unions - Co-operative News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYUwxSTBVeU1iOTJkZW41RWo5T1gyZE5nSUYyd2hnODhIUnNHX2FTX1RJQktQYWwzd1VodHFCcktFRUVJRGRBdWNyWE1JOGVCWEphN1hHbU9EOVg3MjFvUEh3S2FMVUgtelF2TEY0QVJ2QVpiRlJDLVRCdXBRS3pOcUxjaE16Zzh3bWhwOWpWQ2J6WmFpWnRJVjJNRkR0X1JaTFE?oc=5) · Co-operative News
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63440 (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/16.json (key "63440", 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=63440
- 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