# COMMUNITY CHOICE
Commerce City, CO · NCUA charter 66012 · asset band $50-100M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-choice-66012

Who the members are: state charter, organized 1952, low-income designated. 6,315 members of 132,000 potential (4.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $96.9M |
| Members | 6,315 (-3.3% YoY) |
| Full-time staff | 16 |
| Net worth | $14.3M |
| Net worth ratio | 14.8% (p69 of band) |
| ROA (annualized) | 0.20% (p17 of band) |
| Total delinquency | 1.23% (p74 of band) |
| Net charge-offs (annualized) | 0.51% (p69 of band) |
| Loans / shares | 54% (p34 of band) |
| Cash / assets | 49.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 4.27% (p74 of band) |
| Vehicles % of loans | 33% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 47% (p74 of band) |
| Vehicle delinquency | 0.44% (p36 of band) |
| Vehicle NCO | 0.96% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 13% |
| Average share balance | $6,803 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,115 |
| Loans granted, annualized | $8.4M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-05-27 [Community Choice Credit Union Selects Upstart for Personal Lending - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQSzZ0S3RyNzNKbXdMTGdyVnVBRjFsTmhiUi1oaE05T3NHa0lQRFZRSFlvZUtrMWdIX1VJdzJINWczNHYycEhUbGp3UGtJNWVPY1I2T1h2N19GdUwxa1VRMHhEWHg3UE1EVi1KbWh2TmtMeDhvbmpNdWFvNkI5WEo5LV9qNkwyX29CZ29ULTh1bkRkRlZqUHVJR0VQTTBPQy1PdUZlSFk0XzUwODk0WU1MSVRjekFXWWlQYkpQVllxdmU?oc=5) · Business Wire
- 2026-09-01 [Washington Trust wins 2026 R.I. Community’s Choice Award - Providence Business News](https://news.google.com/rss/articles/CBMie0FVX3lxTFBVZUZ0cmVLbXluck9XNVo0Tm53TFdYX3UxOEpGVlYxUkxyQ0lpNzNtVERpU3d4bDZnZnhGcmU1Z0wxRDFialRNWEtLSF9BOFBTNl9PNmw0U1ZLVndMYWhMUXI3ekxfTkRwOVVPemd2bXQzWFNYcXpWLUJSZ9IBgwFBVV95cUxOdGZ6eHh0TFFHLVRxcDVGZjFzVUZBX1M4YXdneFNoOTJmLXpZUjQ0RlVUZTVlNVd4T2xaTUtROWlTUnZuOVBDVUJLZDUxaWFpQzNTLUVWcW16SVRVYzJYSEVhYTBmODlEUUxfQ0MzcG15WE9IeHZlQUxHbktvSGY4dG96Zw?oc=5) · Providence Business News
- 2025-10-20 [Two Colorado credit unions announce merger - Denver Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxONHc4YjBSZVhsQnJQc1YyQlVjYkNjUGxuSTlRNmdwMUdxcDJ5bXJBWWtFaDgxbDR0OVV5OGRzdlNlUElpSUs4S1BrQ2V6a3lIN09VVTM3R1g5V0E0X212Vmt0TnFYZHgwdmRua2NHQW5YUDA2Z2xsTU9LTDRmQkt2TnR2dkg4UFNUQ0tmeQ?oc=5) · Denver Gazette
- 2019-10-15 [Credit union giving away money at ATMs in W MI - WOODTV.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOX3RuclgtaHR2X3lPVmo0bTc4SFQtQ0ZrNzJwVUFyZVAzRXB0cnRPZFNaMUpJU3IzOUxLYnFnN1k2NWtib3pRaERTZk1VNE41dkREOHY4d2o0TzVmM0hkbHp4Z21IUGJIMTgyb0ZpWTJqclJDRGc2dFRzRmRZX3hwaE9UdWxvTDBIQ203U1ZvRDVmOEszbkN2bFlkV2ZGNGc?oc=5) · WOODTV.com
- 2021-02-12 [Merger to expand Community Choice's foothold in western Michigan - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxPR3pzLXVGTXF5MXhGNmxhY0FseUhOcTVUcHcxUnRUUGVWN1ZJZ0VLR1NVejFEdkFwR1ZzclR4SlQxYmhvTjJ1cVhTcWV3bVJMRUs1VFdSTTRRY2Z1anVsU0NjNFdob2FOcm93WDFvVk9lTmU1Z0EtTEduNVhaTXlpYjZCaUhvWVNDdTNHUV9OZlcxTDZTcG82ZmwwZmJPcU5Da3FpYjRmWVJKZ3BaMmUw?oc=5) · American Banker
- 2026-01-16 [Bellco Credit Union opens first Colorado Springs branch - gazette.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWTdtWjZxaGNpeG1NU1VTdzd3dWdRbU5ZTU9jSlFXTUhOVWhmRXVRaUdTbHNvUHJJOXNjY3VRZkZ1ZzMwcV8taktiYmZOYk1RaWNzeHNPUWdxYUZyd3VJaktJWVFtYTNhWFZhb0Y0czJLRWI0Z1NDZlVUR2pYcGlfMWh6S2Jua0EzbTFCbDAtRTY?oc=5) · gazette.com
- 2025-09-03 [2025 CU Times Luminaries Finalists: Credit Union Community Impact - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaHZJR2xZbVEweXhYbUU5dTFibnFPYnhJN1pXMHNnVEd2bU9oQTJzMzVURmk0eHJCWFpOcDFUSHZVSnFiM09RNjFlVnZ3Q01sWE9zVjdiejUwWElMREZqWVBCOFRiMERxX200dm85RzJvX1BMbHlBYk9HSC1QYlJiYldtNEJ3TVlxMTFIZ2FwcTFiNmJqU2pDaTJzUDZ0dE5Fcmc?oc=5) · CUTimes
- 2021-10-17 [Community Choice bank opens, Drake Holiday Inn Express closes - The Des Moines Register](https://news.google.com/rss/articles/CBMiigJBVV95cUxNcW5lbGM5Sk1BVzg1bHZwdzNEUUdyQTloaXM4Q2MwM1BuYV9FZW0teElNR2kwX1lURXM1eThJbTJsbjBVX0VWNnBJdTk0b1JLZjJqT3RTSmtQSmFTMUgtbFIxektwOWV5QldVNWdYOEZUWUdKNkxEX2Mwb25JNVQ1cWNUZnRBWVhFS2JMWnc3aGJsMVltVUg2a19QSE1aV2FQX0pFOWtfZ1prNzUwejdPRFItS2JoNV84UmxXM0ttX0lWZndGMVNvNm83OHJETjktNzFsNHB4MUJWbTZCZW9kVHZGT0NsX1F2VmVYYTJmQmlvNjNqekppM191SGhkUXBaNnFyZUxyMUxWZw?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66012 (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/28.json (key "66012", 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=66012
- 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