# NORTHERN COLORADO
GREELEY, CO · NCUA charter 65775 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-colorado-65775

Who the members are: state charter, organized 1935, low-income designated. 3,120 members of 250,000 potential (1.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $75.4M |
| Members | 3,120 (-0.7% YoY) |
| Full-time staff | 12 |
| Net worth | $8.2M |
| Net worth ratio | 10.9% (p30 of band) |
| ROA (annualized) | 0.34% (p31 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.15% (p40 of band) |
| Loans / shares | 64% (p55 of band) |
| Cash / assets | 29.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.64% (p7 of band) |
| Operating expense / assets | 2.61% (p19 of band) |
| Vehicles % of loans | 26% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 79% (p81 of band) |
| Vehicle delinquency | 0.84% (p64 of band) |
| Vehicle NCO | 0.82% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 131% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 48% |
| Average share balance | $10,542 |
| Participations bought / yr | $1.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.5M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,171 |
| Loans granted, annualized | $11.9M |

## Participation posture (from the same filings)

Bought $1.8M and sold $0 in the latest annualized quarter; $11.5M outstanding purchased (139.9% of net worth), $332,485 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -4.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2026-04-27 [Colorado lawmakers could eliminate credit card fees for restaurants; critics argue it's favoritism - CBS News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZTlrQ0RQWGVkLWd5Tll2Qk9YdE85djZqX2xvbFg4VHRFTGxQZjFpNERmZGVNaUJqNVRMUWRrTU5lVVViOHEteTNFXzNCSVVhdDFoWDdxVEJ5VkR4Q092TnpPTThOUHJPXzB0bG0zT1QzdkFwNWN0ajVTQVZFV3Q2MUFZSnV0X2JIQ2s3MW9QelhUeUhlcGxiYnBzMDRCdllLdU82LdIBqgFBVV95cUxNMUw3UEpmN0U2Q09GQ0pDb0FpYTBIMFVDbGVJUDUwTm9Dd2ZnUFF4V2J1R3hCakI5ei1xZW5iODZ1MzMtU1BYZ0FrZkxid1loalhtYi03YXplR05ZTWc5eFVmUE92TDA1RDZvaVNESmxpX1RIUk1Idzk5alBRaklIZzZRZmgzeUZSVXRyajdQTWJQR0JvblFhSWpPZXIzbHBQNHNILWRWaENtZw?oc=5) · CBS News
- 2026-03-17 [Nancy Lee Meilahn Obituary (1943 - 2026) - Greeley, CO - obits.denvergazette.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeE9XT2tVZ0VnMXRsLW5ZSl9DVDZGOGtfMkhaSnlUVUFqS0xMcXNNQzc1RE1zaFRyMUl4bmJMaFhhUUZTS0dGYlZ0Vm5vaVh5THJlejg1WmVYLVlDUHR2TjJiRl9iV09SYVBSZmlrQlJoTEotOUh4YzdyblptQjBSXzFzMmpyUERsaFY4ZzM3WmRpV0xDeW0xdGh5cGNfUmVO?oc=5) · obits.denvergazette.com
- 2018-05-25 [Northern Colorado Credit Union opens branch in Berthoud - Berthoud Weekly Surveyor](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZUhjRmZ3Q0QyTHNiUVBjRi13aWo0cTB5U1FhMlcyUWdUUjdsVWtBLXFEQTdkbDd4dWR1MkwtVmVJQjA5Y2lFcDdMQmItY2V6d09ELUFDTEt3OG1oeXFmWGxPeTJKYU9UUlMwa3lYZ1JDcU1NUUwxaU5RVFhwUWUxVGxJMDF0bHM5a1phWXZn?oc=5) · Berthoud Weekly Surveyor
- 2025-09-30 [Climb Credit Union officially opens new Colorado Springs branch - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxQTDluNWpKN09YRHotSFJtN2dxaXRFQWdDdTZfY3dSY25xTlNOWm9jWmo4dURSSzNQeU1fa1E4SjlaUkVGaEdjZ1drTHFaZzVyVDJmQUNlcGthbE5qT05YdTJ5VDFvNmo2MzQtVWpZVlJZQkloaHpXNEt6T1ZpR3pQMUZOcjZfMjZXb1M2SzZfM1dQWkJQdllsejlpbw?oc=5) · Colorado Springs Gazette
- 2026-06-17 [Colorado state Senate: Meet the primary election candidates - Colorado Politics](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVHJJRFJNWXhwSDVxRTBPbEU1QVZoNzIxS1JkcGlUZHpMZU9TNDdxcXZfNlJPQ204VUlrcTkxaE9HWEZRUDUwTXpPVnJEQTg4UmF5MU5MenU5RTN5QllXOTlHeU9RN2ZOTEV5VU5UQVVYU3Z3ZlBmYkxGdVZBVEllWV8tUVdpRTlweXExbktZai1KU1VrUUV2MFIzMXZHb0RZSGdMSFFn?oc=5) · Colorado Politics
- 2026-05-01 [What Is Colorado’s ‘Credit Card Chaos’ Bill? SB 26-134 Explained - longmontleader.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbjFBOVBId3BBcFZROXBYRWxsNU45UTk0MW1mZDlITjNMV0tHeEY5TG5STXdmYjI4bHVlV0RHU0FsTlI4aWRSeml6cHlzX3JXWmVXZjJmMEtYNEVxTXJKdGkxY3R5S3J2emlxV2V0QXlZRGt6enhLUUJoTENzT1RPVC1xUS0tTUpYZnZrUkEwaHdrZGRKZDdHcnVRUVJENnBuMTlIWUhJX3UyYzhfYjRMU2tuMGU?oc=5) · longmontleader.com
- 2025-09-15 [Northern Colorado bankers worry about stablecoin legislation - KUNC](https://news.google.com/rss/articles/CBMingFBVV95cUxPU2QtalNKcHlTY2FRWUdvR1dCN0NlVXBBOU04RXdBbVJrUFRhakFnRmdUZE4wWlUtdXZ0QTFfSENMTXN0WUxKN183Wldfb3RKTUQ5ekp1XzdBQnhWMExrd1hXZmphckJ0bnk3ZlZBekNDaGlQY3FNOVNIbnpaWXhxUEpxbFJmaXJ1OFhOcGs3TTFndG1mYmI2aFBvX0hrQQ?oc=5) · KUNC
- 2023-08-29 [Blue Federal Credit Union Named Official Credit Union of the Colorado Eagles - Colorado Eagles](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORFVGd1hRcVBGbnNGUVo2TUNpM3ZPUjVNSFdtVWVHenVMVWlRSVVjNmt0ZE16cktwM05Fd20zdDVUNXR0aXUxTzdGbFRuMDNuUVRaVGlQSkhZaWlDOVB3S0c0akdSRmpDSGlQX2FDbzZOQ0FZM2hnS1Ntc0ZDeTdsNEVMR0U5dVNBS3hhU2xBVGVrR2hoVmk0Z1EwdkJtUjh4WWV5NjFTNHdIX01EMjFpQlhhcmQ0SXBuUVF3?oc=5) · Colorado Eagles

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65775 (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/47.json (key "65775", 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=65775
- 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