# FRONTIER COMMUNITY
Fort Dodge, IA · NCUA charter 64117 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/frontier-community-64117

Who the members are: state charter, organized 1962. 2,742 members of 200,000 potential (1.4% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.2M |
| Members | 2,742 (– YoY) |
| Full-time staff | 5 |
| Net worth | $2.1M |
| Net worth ratio | 11.0% (p38 of band) |
| ROA (annualized) | -5.04% (p1 of band) |
| Total delinquency | 0.19% (p22 of band) |
| Net charge-offs (annualized) | 0.96% (p83 of band) |
| Loans / shares | 24% (p8 of band) |
| Cash / assets | 24.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.07% (p16 of band) |
| Operating expense / assets | 8.03% (p98 of band) |
| Vehicles % of loans | 68% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.27% (p41 of band) |
| Vehicle NCO | 1.32% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 3% |
| Average share balance | $3,091 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $3,809 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |

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

- 2019-11-10 [Peoples Credit Union is on the move - Messenger News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNT1JpdWd2cWQ4bW42MFRsVUtUWnRNMmgtVEM4OXh3UThVN0JHR19IZEpLVTJZUXVBTzU2ZGVGZHlkQmdFQ3kzeFV0bG8za2VNdXc5dGVYOUtlOS12RVpZOTBzRmZzQ1NCXzNDcXJ5cWhqQmw5eW44UUE1NXdLRGUxYXB1ell6SjNVcGJFVGFEU083N3I5T3RBR3R3?oc=5) · Messenger News
- 2026-02-26 [Behind the Industry's New Push to Elevate Small Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeWcxTkJMNGtMWWY1NHdnLTVMb2NUcnZicGZidjBZZ3NFeEF5b1pKRGhaS2FLRkhZYlgxdTBYMzhFaUt2aW1hU0puUExqa2Fzd2VWajRWN1BrTURNTk00bURzcDA5dWNGcjNkX2lsSld5X3dTMXRCcHZDTDZ6dW5IWkl2dFppR193NndJN2FydlhzZl9ob2hUUkhaZjI?oc=5) · CUTimes
- 2016-04-20 [Apple Pay Adds 59 New Financial Institutions to its Support Rolls - mactrast.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWEhCbWhwZUVnQzVMM1BxbGhXVU0yNmNkTDNJRU9fQjdpUHdQLVFTZXFPLVdQd0l6dTRxaWlRM0VIbzhCNzIzSXhoVU41aFQ1MlpyY3lDVU42ZGhZbTRLeW1VTzRGU0NhRXdTOVNOQUE2WnBVTjJMZXNzTW9QZTV4VElrZVBTc1IxUVRQa0NKTnZWSFJKRHcw0gGcAUFVX3lxTE1PWkptdGoyQ3VBOXd6YUEtdENFbGV3dDlxWFYtZldoMVBkdWRkRFVwMjEzYnY1S1pQa18tdlBvVTlzR1ZQaVZoT05wXy1CZ0N1SHoxRDFMTWhfNmxTb0NQNnNQamVBUXlidGRtaUg2aWF3WndESFR3SDQtVU9FZU1JdjNWR2tqSGRzdUFCOGNUS3dNTEZheUFsSlppcw?oc=5) · mactrast.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64117 (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/53.json (key "64117", 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=64117
- 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