# YUMA COUNTY
YUMA, CO · NCUA charter 6424 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/yuma-county-6424

Who the members are: federal charter, community charter, organized 1949, low-income designated. 2,364 members of 10,000 potential (23.6% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $53.6M |
| Members | 2,364 (-1.2% YoY) |
| Full-time staff | 9 |
| Net worth | $6.7M |
| Net worth ratio | 12.5% (p47 of band) |
| ROA (annualized) | 0.82% (p58 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 48% (p27 of band) |
| Cash / assets | 53.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p27 of band) |
| Operating expense / assets | 2.59% (p18 of band) |
| Vehicles % of loans | 33% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 23% |
| Average share balance | $9,546 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,720 |
| Loans granted, annualized | $7.3M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | net worth falling, delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 3 | margin squeeze, delinquency rising |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 3 | net worth falling, delinquency rising |  |
| 2022-03 | 1 |  | margin squeeze, delinquency rising |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | net worth falling |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency rising, assets shrinking |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 0 |  | assets shrinking |

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

- 2026-02-07 [Rhiannon "Annie" Dawn Gillett Obituary Dec 27, 2018 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE15TTJNclEtU0ctSTBlNXg4RllpTmZyWXhNWWQ3dWRBUm5NdC1JaVEtT282QU9NVEx6WkE0VXJIOTdkNGhnbjRlVUJtNU1GVkhHWWhXU3hNYW1PdVdyUXByLWozMS0yaDVRcGhpVHNBUWw3M0huLWY0Sm9UVQ?oc=5) · Jones Family Funeral Home
- 2020-11-24 [MADD Colorado and Law Enforcement Honor Victims and Spread Hope for Safe Roads This Holiday Season - Mothers Against Drunk Driving](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPNm5XbDRHX1BsdEFHVWJPbGx1WHNILTFIc3hjVXFZaWRoU1pOcXFITU5ieWZlU0hDcmRrNngyZ0J2Q2V2UGFSUmFNckVkM2dEVlNKcXd3dU55TlF5MHN1RHo0NUFwMWM0VzczcllHN1IxeUVpM2dTX05sM2VmdXcwUXVOa05UMVRlTXhOVkhIMnFmSXJFZUVLTXplWVhDcllRNkVNUWtqSDF4eXZGZVpMTC1pQk5PRldhV0FYM1FzbGlHc3M?oc=5) · Mothers Against Drunk Driving
- 2021-06-18 [Marcus Pool in Yuma to open Tuesday for the Summer - kyma.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZV91SWdLanFMaUszaGtPd0c0WGNKVm96TndPRnI5b05Wc0pPT0lEUlFaSGVEdkpzaXVGTE1td3NYczFOOF9uOW9NdHlCbE9YRGwwUHhRM3NETUN5RDFqQjl2UFFhaHhFekdZM3ZDTjl6TWJzMGE0c0UzQWlWUzRYNm1HQzhMcUcwdXdROTVHRGRfSTdUdDQ2d21BR1R5UUpDZ3RFREZBSXhFbGFud0dscm9nQUVaTGtYd3FJ?oc=5) · kyma.com
- 2020-12-19 [Linda Kay (Lambert) Penton Obituary Dec 19, 2020 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTFA3ZlRNNVdJbldDNHNLOGFDdG5kTzcwTWQ5akJ4UHN0ZjRoNEtiQW95SlNtaXR4Nkd4Q0pYblBuUlNtMk9aakdMbzhUSGpmRFhQYTQ4cmdvMHpwZDBjUV9kVFFWM00yYTNBV2NRbEZocDR0YnJZTDc2T1Jn?oc=5) · Jones Family Funeral Home
- 2025-10-03 [Lois F. Ritchey Obituary (2025) - Wray, CO - Jones Family Funeral Home - Wray - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQlNITGdyZ1RncGJBUnRDUGJfdUFqQXVSOHQzZXFoXy1HRjRtVS04WWpmSEE3NUdIOUZONkJvZUE2WmFoTjR1VzVSZklnRnNnaTItblg1OUVUVFA5eDdQOEJScWwyR3FKZ1NOM2xKZnhHSVhURV8yZzZVUzNQWFduXw?oc=5) · legacy.com
- 2026-06-25 [The Docket: Real estate lawsuit roundup for 6.25.26 - BusinessDen](https://news.google.com/rss/articles/CBMigAFBVV95cUxNRlViVENfeDJlZ1pSeFN1b1RKekpYZ3JLMzB1aTE5Sk10SlQwX21malFTSE81N1pncWl1V3VzM29VM3JSeWZoNlZTS00tMW5sTUhIb25DVG5vWi1uY2lYUDVHaFU2Q3J0UmdPTmZUVGJvQjRhX1lqMF9BMFM0bTdERA?oc=5) · BusinessDen
- 2019-08-01 [9Things to do in Colorado this weekend: August 2-4 - 9News](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQc29qUFhRUVVERnRZMGcxQmFJdDJJQndydEtJaEJ1LWh5RE8zVldjU3pWcm5mQnlmRXg3UE9UeHlldXVnZ3JVQmx5SFVadU9Hc3pDSldJeC1GRkgyd2JKcHRVMEN2T3lQZlN3SEZjZlZGa3RCbkQ2SEtxRGd0NEJyZzB1U29ENVFTZUNNZlU2ekRUd3l0U2lKdERDZ2ZpeVRRRU9nVUlEb0ZzcExncnFEandXUlR6YnpDR1VuUnZ6Qm9FZm9RWEwyOVVxZnFFWDh3UDVxT2xKZE9iODJJbXRfWFRtaXZzZWtnR19j?oc=5) · 9News
- 2022-06-11 [James Robert Adamson Obituary Jun 11, 2022 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE54MWwwSEMwLTFMLVF2TV84T3l5YlBNODVWMm1QTkFXd0FlanpDbEZOVmFqWHh4TmxsT3VQMFp5OGlXRWZScTdXNGQ3SWtad2R6VjhlZzRtdVNxOU16amRQdXNlREhmR3RHd0pLOEJoY0E?oc=5) · Jones Family Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6424 (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/24.json (key "6424", 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=6424
- 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