# CREDIT UNION OF DENVER
LAKEWOOD, CO · NCUA charter 64342 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-denver-64342

Who the members are: state charter, organized 1931. 75,387 members of 1,000,000 potential (7.5% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.19B |
| Members | 75,387 (4.1% YoY) |
| Full-time staff | 151 |
| Net worth | $147.1M |
| Net worth ratio | 12.3% (p74 of band) |
| ROA (annualized) | 0.56% (p37 of band) |
| Total delinquency | 0.42% (p29 of band) |
| Net charge-offs (annualized) | 0.81% (p76 of band) |
| Loans / shares | 72% (p17 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p43 of band) |
| Operating expense / assets | 2.75% (p25 of band) |
| Vehicles % of loans | 35% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 129% (p47 of band) |
| Vehicle delinquency | 0.87% (p71 of band) |
| Vehicle NCO | 2.22% (p88 of band) |
| Repossessed % of vehicle book | 0.06% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 60% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 35% |
| Average share balance | $8,443 |
| Participations bought / yr | $57.1M |
| Participations sold / yr | $320,000 |
| Participations outstanding | $85.4M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,063 |
| Loans granted, annualized | $281.7M |

## Participation posture (from the same filings)

Bought $57.1M and sold $320,000 in the latest annualized quarter; $85.4M outstanding purchased (58.0% of net worth), $6.8M sold and retained. Sold in 5 and bought in 8 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | delinquency 2x band, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | margin squeeze, delinquency rising |  |
| 2024-03 | 5 | net worth falling |  |
| 2024-06 | 3 | assets shrinking | leaning on borrowings, margin squeeze, net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 1 |  | delinquency rising, assets shrinking, net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-16 [As FirstBank becomes PNC and Ent joins Wings, Colorado customers confront a changing banking landscape - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVHBYSDNmcHV6ZnlyNV9oZjBsd3djc2NlU0haMVpzR0xPN28tb0hCUGkyeDkweHNkRHhPNHJyVWVReXFDcnZUZGFwZ3JrUHpZTk5CUzdQdTlHNi1CQ2N6ODRKLVJVUmoxYjdrcHdhMmhRbU9UbFVKejY5T0FxTWJUQmRBbFFwZG5aWUcxZzVQcVA0NXJORHJzLXlFTFNhakNxa0RTaQ?oc=5) · The Business Journals
- 2026-03-05 [Hotel, credit union next to Central Park homeless shelter find a buyer - The Denver Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa2ZvWVJtZS1WU3BSZG1wVFd1ckl4SXlrNkU4c25aRllfY1ZCTTVPWWxyM2x3Q3FhU21BM1YzNGdtT3BzUUt0TGdaV0NpVUV4RFpRN3NVMm82Y0xpMVd6bTBVSkZWSkVrcEJLMXFhRE1LM2xuczBUNzRKdS0telNGUE5SYWFYcmVLZlE4clp6VlVoSVhkNXhLSlJmMEhQbUwt?oc=5) · The Denver Post
- 2026-04-10 [Colorado has more than 40 employers on USA TODAY Top Workplaces list - The Coloradoan](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSzZzRjVMZ0hkcWxMdk5VeHdfSUVRRjl3MFc0dC1RX0x4R1Y3eXVBdldLYThiNlAtRTltYzVQTUZnbkFiNmJ6NDk0ZjRoZ05LTkNmQWFESjZHRHlzcDV6amxwZFQteUllNTZwWnZ5SWtXMTZ4WHpIbnVzMGdMUFhvVEpEbzFMNjctNW5VYkxnVUNaMVZ1QkZyZVREU1dFMmQ3a2hRLVJzbkVfWGdodXZR?oc=5) · The Coloradoan
- 2026-08-11 [One of Denver’s densest neighborhoods is finally getting new green space - The Denver Post](https://news.google.com/rss/articles/CBMifEFVX3lxTE1mN0ZJblBXdEN4TWY4V2hPdXhJQ2dyeEZXTDBDTm96eXVuVHI1emZjYjhaTS1DeE1kWXhFQV9uSWc3eHVVNVRFQXVfa1RNZ05NVWFpdmhXZHctTktKdzRsUnNqaHE0cGFLU21fejBEaGtHaWE5REoxeFVZd1Y?oc=5) · The Denver Post
- 2024-09-03 [Credit Union of Denver selects Tony Nieto as next Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxOMW9fbDByV2dNSWhKcUtKc2tYRmVlSHN1WFA5ekJoQ2tMeldVTndwSk5ZcldBOHRKampmdkUtdzUyRXEwNjh3Wjh0ZFIzeHFVRXZvR0xwcVZYckcxN3BIVEVuWFFRcHpFb09WZUQ0RWRDX1dOWF9STU40Rnh5UXNDMFltQ0pXTHlOczdJREZCcGd3cnFLVVVXeVpCTnBVTE9RVUJNYlpQQUdNcHFkdGhWejd3?oc=5) · CUInsight
- 2024-03-25 [Denver credit union next to shelter plans to close, citing safety concerns - 9News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQLUZIRVJITW1fSXJNeWlRMER6M19BdnVSMVJWOEhFLTZSLTJRekZlV2pDTl9xMjBsRTdaUUg3c19jVi14dXFPN0tZeS0xa0pDaUNQaEZCSmM5OUNtQ1o1RTViTTJDa3lGTkg4eXFqVU4wbTY4YmFWS0JSWERBMzF6MGZ4enVLUjBCNmRUZnhrbHlEeXY3eXN2WC03LTllMEZBV3ZZd3ltbFRSejlla1VfZW5yc3dlalhIaE1PWE5uRXV0d3FpYjZESnV4NDhwRWFvY2c?oc=5) · 9News
- 2022-05-23 [Zing! Denver-based credit union switches to a quirky new name - BusinessDen](https://news.google.com/rss/articles/CBMijgFBVV95cUxPYVd0Sk9BeUlxVHBfTlJGX0R3VHZDeUJNcWlFR0toQzBtYXlqYldMV0hkbDlYazFPZW03aFNDSmFNM2pmN2ZDbnh3TFQxRWtGOHYxcUNXVnA2NmFpb2RLWlNPa0Vkd3kzSUxZWUJWVkN0WUNDcDZyaV9UOTVBZ0lxN0I1MnFxVTBXSEMwekVR?oc=5) · BusinessDen
- 2024-10-22 ["Penguin Bandit" of Denver sentenced to over 13 years for bank robberies - CBS News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeUtZcFk4S1cxVVZjNk9RLVdUUS0waVB2QWEydEgyQ2tXNFRHNHBWSTBFa3lER2Q3QWVfMUdCUU5nczN4dVlQTC1zTWl6YXY1NTFkRlhVOE5GdWswLXFVT003cmxyYy1jMFFrUjZWZ2JmZHNVdGZDR05VdHFqMl9wR3dMMlNTWmRHNFExWUZjMlhkWnNJZWRzMVRoVElveW9U0gGmAUFVX3lxTE13Y2x4VENHaWZhbExKY2tkYUh4UWRtSGEzSkh4VmlYMGdYeXlfcUhPZXJ1aWVicW1vakVlRmN5NUVtQlVGUWpzU1BuMWlWZXVnZHJ1dzB6UU9jM3l1YWktVFJPME5zdkFuOUNNVWtld1dBbURibC14dWVnYzA0aWpJYmJkMnBwSksyNVpQTm5XU3FsdUQteDlDdDN1RVpkYmNKb1phSUE?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64342 (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/22.json (key "64342", 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=64342
- 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