# FELLOWSHIP
Lamar, CO · NCUA charter 64852 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fellowship-64852

Who the members are: state charter, organized 1959, low-income designated. 7,382 members of 245,000 potential (3.0% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *ordinary*. 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 | $65.5M |
| Members | 7,382 (24.9% YoY) |
| Full-time staff | 18 |
| Net worth | $7.0M |
| Net worth ratio | 10.6% (p27 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 0.90% (p68 of band) |
| Net charge-offs (annualized) | -0.09% (p5 of band) |
| Loans / shares | 94% (p97 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p78 of band) |
| Operating expense / assets | 4.12% (p69 of band) |
| Vehicles % of loans | 27% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.24% (p77 of band) |
| Vehicle NCO | 0.54% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 26% |
| Average share balance | $4,877 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $25,187 |
| Loans granted, annualized | $21.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1.2M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 24.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, loans>95% of shares |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | leaning on borrowings |  |
| 2016-12 | 2 | net worth falling, losing money | expense trap, loans>95% of shares, leaning on borrowings |
| 2017-03 | 3 | margin squeeze |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 | net worth falling | losing money, margin squeeze |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | loans>95% of shares |  |
| 2020-03 | 1 | net worth falling | loans>95% of shares |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |
| 2020-12 | 3 | thin capital | delinquency rising |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze, delinquency rising |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | thin capital, net worth falling |  |
| 2022-06 | 2 | delinquency rising, loans>95% of shares | thin capital, net worth falling |
| 2022-09 | 3 | thin capital |  |
| 2022-12 | 1 |  | delinquency rising, thin capital |
| 2023-03 | 0 |  | loans>95% of shares |
| 2023-06 | 1 | loans>95% of shares |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 | net worth falling | loans>95% of shares |
| 2024-06 | 1 | loans>95% of shares | delinquency rising, net worth falling |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 3 | members leaving | delinquency rising |
| 2025-06 | 3 | delinquency rising | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 1 |  | loans>95% of shares, members leaving, net worth falling |

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

- 2023-07-24 [WOCCU Announces Digital Growth Award, Fellowship Winners at 2023 Annual General Meeting - World Council of Credit Unions](https://news.google.com/rss/articles/CBMixAFBVV95cUxOZGowVU9fZjJyYTFZM0lEa0NZcnlzZkEyMUNOWjNCNTl1Y0NSVzlTT3ZfaFlxakJDWUJtUjNHV2o3N0drdUlDeUY5bEIyaGUzN2hCY2JoRkRwRXMyRVE3SmNfNDhvaHBja2pqbEdwSlJJd19lVzJzTWkzcXlBWDVXRWt2b1JVaUdGelA3WHlNeGhTSGM1cUhRVnZZS0twd3pTeWROcFlsWDl0U1NvODJsWG1lOVZJa1VtbFRicmYydjI0cEs2?oc=5) · World Council of Credit Unions
- 2026-02-02 [RFPs: Cooperative Leaders and Scholars Fellowship Programme - fundsforNGOs](https://news.google.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?oc=5) · fundsforNGOs
- 2023-11-16 [Merger Update Part III: Lost Sponsors, Legacy Systems and a $1 Million Payout to 5 Top Execs - cutoday.info](https://news.google.com/rss/articles/CBMixAFBVV95cUxPc1F2SkFQRTY5Nko3aTc2NEQyT1hMRXJtdVdQU0tjS2JFV1hBb3NEQVNoUk92Nm5VMFZNTFVzZ2JkcFBCQXNvUXQwaDZ2QlRyaE1IdHhHY0dwbFRlNjk3QXZRcUc2NHl0ODJ5ODdGZTBWbjU4Y0EzdGhHYTBRdno0WUF3LV8wemFhRUkzcXhMX1RqbnAtcFdock9kN0IwUk5lT3I4bHdnRzJqU01NV285ZGxhN3F4REtZRVFZRnYxTmw4NC1i?oc=5) · cutoday.info
- 2023-10-25 [The Company We Keep: Jeanne D'Arc Credit Union | Fall 2023 | Magazine - UMass Lowell](https://news.google.com/rss/articles/CBMicEFVX3lxTE14VXF2WFBVT1NCXzZHMUhnVHdIZGJLNHBBeVBFZ1ZGcUNaaXhQai1uRDFjbjRsd3RpWHowdWFPUTRwd01SSlY2YWlMQmphaEx0ekVlUkQ3aHV6Ull1UW10X2EyNXZFNE9RVWY5TUdWZzc?oc=5) · UMass Lowell
- 2025-12-05 [PM to support Christian-based credit union - newsday.co.tt](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQWJOdmUwVnNzSnpPQ09zYmFZWFpOVnVDeDF3cExoemVEbUpYanR5bTZldVloLUNiWENFOFU5RVQ3ZjRaRmdLc05Ub1lHYWYtV09KWU5yX3pER3puUW9SVnNRT2d3czM4bkFZVkp0Qm1XWGdJbV8xVVNha245eHZwS0Vn?oc=5) · newsday.co.tt
- 2019-09-29 [San Diego native Kelly Lytle Hernandez awarded 2019 MacArthur ‘Genius Grant’ Fellowship - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMizgFBVV95cUxORlVkcVh3TDFTNmtzLU1vczlGeGR0cmxrTnU3T0ItRkR4TlZlc2RVem5IVWI1NU5vN1I4aXBJSjM4aGFRQ0pWczVRbmpLaXV2eDVLRVJLbkFvREJNZ0x1VWxsN0VaQTNYSm0xUDVRSGNJRkhHYTBUQzNWeFNwMjlFeDNyV3RiR2J6TXc3UkM0eWw3YUdZdHM2UFgzbFJCRUczX0U1bHRvUzhYSF9abnluMHhuYWVjSEE3UGFNQmxVaXk3bktxVE9kOU85MDM1QQ?oc=5) · San Diego Union-Tribune
- 2019-07-18 [RAM Artist Fellowship Exhibition 2019: Presented by the Osborne and Scekic Foundation - Urban Milwaukee](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOSjVsZE9XYU1MRFBrbV9SdXlORnZnekpmSVp3Zjl2TjV6SjRuWERYMWVmY1RDWjRkM3k1TFF6eU9kelFZOHJGcEo1elExQVp3RjZfVm9sVkRZOXVmMUpjSE1nWkRoYkFzd0VmWkVjUWhCeDllR0lWczRJOUh5dTZxNjlha2tSWkRtWFQyVHc3WHlwMUdXNWppQ0RrYUdyZlV4Uks5dmgwM2p3ZzNicWZSaFVkR1RCVDFQbkNXb3R0d2JpckU?oc=5) · Urban Milwaukee
- 2022-05-16 [700 jobs available at first Somerset, Hunterdon job fair since pandemic on May 24 - Central New Jersey News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQWktRdV8tTVpFOFJXd0ZQRlNadmJ4Q0hfTThmakpRQWR2UzdTdElMYTRJWHhNWEFCS2hVbmozYWRaeHRrNW9aclA2UE9SWmJJLXh0WkxvOWF0Nk9JSmhaejMwMU1hYUV1X0w0OUJqNm02emFodzZpbVphSXNZSXhsNWlUenRuUnV5YjZiZ1hIQjhfNVBKb1Q0TGx0T3dYTUtHMDBPMzFfZFdEV1hZTG1MX3hES1E5YXAtQVU4RXVpQ2pYcEZQN2hmYXlqam9QaldJc1RHMXlkZGM?oc=5) · Central New Jersey News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64852 (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/20.json (key "64852", 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=64852
- 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