# CEDAR FALLS COMMUNITY
Cedar Falls, IA · NCUA charter 65565 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cedar-falls-community-65565

Who the members are: state charter, organized 1958, low-income designated. 8,868 members of 673,546 potential (1.3% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 78.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $242.7M |
| Members | 8,868 (1.6% YoY) |
| Full-time staff | 26 |
| Net worth | $39.3M |
| Net worth ratio | 16.2% (p93 of band) |
| ROA (annualized) | 1.37% (p87 of band) |
| Total delinquency | 0.76% (p64 of band) |
| Net charge-offs (annualized) | 0.36% (p47 of band) |
| Loans / shares | 97% (p97 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p32 of band) |
| Operating expense / assets | 2.03% (p4 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.74% (p63 of band) |
| Vehicle NCO | 2.03% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 123% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 49% |
| Average share balance | $9,241 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.3M |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $28,038 |
| Loans granted, annualized | $28.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.3M outstanding purchased (33.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 11.3% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 1 | delinquency rising | members leaving, loans>95% of shares |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 1 | loans>95% of shares |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | loans>95% of shares, delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | margin squeeze |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 1 | members leaving |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | loans>95% of shares |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-04 [MercyOne Foundation classic Corvette raffle canceled due to vehicle accident - MercyOne](https://news.google.com/rss/articles/CBMiswFBVV95cUxOOXlRb0JzaDREX1RyVmp2Qy1GdjAtbnRwcmpZeTR0am9aUk5uNzlKVG0wZkFWYWVkLTQ0cHdRVHlYSDNaX2VONVBNX0RQc2JKM212RTdHY1JRSFBmMlVsSGctMFhZOEZGbGNCMzJBRnFFRWYyT3VBRlVfUGxvaVg2X2ZMRFpRcHVnWFh4UGJKekV3YVN5UFFTZW51UHhyV0VfTkJqRUx2WnY2UTZ4UWNJZEVSQQ?oc=5) · MercyOne
- 2018-06-19 [Kristine Martinson Obituary June 19, 2018 - dahlfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5tZmEyV1IyWklBYVUzU3JxRjBRWEc5YzYxblV5V2lPZGFqbThNQUphT2ZreEI5NXhNZHpERXEyRWxVdVdVdml5UFFOVzUya0VrbzRzN0dsT1ZyVi1ONWxtaXE0RmZ4aE1wZXhGck1R?oc=5) · dahlfuneralhome.com
- 2018-04-09 [Photos: Public weighs in on proposed $1.7 billion tax cut - The Des Moines Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOMEpvSWhVdGItSElUbklVd0FWUVBnVkhlX3RCVDctT01fdHlRVVQ0b2xyZ3NwaXJSZjRLbTNmVHMzeHdqSHk0X1NaZDFWMjFaekZ5aG92bk1kSVBlc0NLb2s5bFlpTE9MOUxuNXlzLWNwaE85N2VhbHFEbEp4NDZKUFJKcmhSczNGb1dKdEMydUpxRDRGV2FCR3ptOFNDM0tRUzNvYXdpVHBTeE52d0JkTDBkeU1lUGUxeUN4ZzRtQnRBOTRlall5OEU0STFRNWV3c3dyMEVn?oc=5) · The Des Moines Register
- 2023-10-07 [Angela Huntley Obituary (1966 - 2023) - Evansdale, IA - Waterloo-Cedar Falls Courier - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcG1WNnljVEFpU1RkdmkzRFotWVFNVjc1T2VxUGtYaEYzTU5FcHBIWTRZNjFPSy1ZN0lJZFhJVkdwZC1Gck1wdWJaYWRPR1F2MVZNMUhQS1V2MnNCT3FtT3NkbHRoVjJTY3oyZGZYVjI1UHRtcm05LTJnbFlickZNeHpTOFRaYXZ5WGo5d2ZmRkM1dw?oc=5) · legacy.com
- 2026-06-04 [MercyOne raffle ends after prize Corvette totaled in accident - kwwl.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQdVhhRnVMODE3Z1JIV3JJREZCcHYyVTVlZDFsdTVvaVdQclpraW5sQVB0RTNvZS1zdkYzRmhVT2steGo5Uzk4Nms2SWFfOHV3UHl0ZEFPMXVqQWdIN0k4aTZ3bUp4dWlpSmdFV3BTc1BvNDZiNlBhMXM3ZS1lU0IxR1REbWExOXRyN3Fzb2lTSGNkc2xFRUlnZVdmMXhFWUxCbDA2dmtXbDlfWVlKelFYSDlWQXY0RVZINEtOVUZZNTBzZFp5NVRlOGtIdmhWZjhrU3pV?oc=5) · kwwl.com
- 2026-04-07 [UNI’s Day of Service: Enhancing student learning through service - Northern Iowan](https://news.google.com/rss/articles/CBMirAFBVV95cUxORmEtRGlIU1luSlFodG5GVUE4Yi1wZFlqM1lFRENzRHhwQXBDSUxMZHJaSzcxS3lSaU1IY3lKNS1veUkxSDBPdzAyQlF1T1A2SjVtM214QTR4bUVQdlhsSzBYa3hOMlIwYVZ1eE02bmU3Njh5ZWo3eTZjeTMxbE0taFdaY3B5d041Rm5jMGxHX1BEVWE1SW5HRDZpREZQZUFvUjNYSVZnbjRsR1RM?oc=5) · Northern Iowan
- 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
- 2001-06-11 [Gerald E Getty Obituary June 11, 2001 - dahlfuneralhome.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE8ya0tSVTRBalhnOVZlWDJHYVhsRTFsMThKRDFCVG5iWTg2NTIyanNMRzh6VTFSVS00SS1hODdENFBmTVFFRFJnMVQ0TnM2UExTOUs1d0VNa0JuYzlMbHJ4M0FmZ2VnQQ?oc=5) · dahlfuneralhome.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65565 (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/29.json (key "65565", 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=65565
- 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