# CITIZENS COMMUNITY
Fort Dodge, IA · NCUA charter 66592 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/citizens-community-66592

Who the members are: state charter, organized 1940. 13,995 members of 680,399 potential (2.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 113.

**Verdict on the desk:** this could be *auto monoline*. 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 | $253.6M |
| Members | 13,995 (-0.5% YoY) |
| Full-time staff | 51 |
| Net worth | $47.5M |
| Net worth ratio | 18.7% (p98 of band) |
| ROA (annualized) | 1.74% (p95 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 0.71% (p78 of band) |
| Loans / shares | 82% (p71 of band) |
| Cash / assets | 27.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.76% (p97 of band) |
| Operating expense / assets | 3.90% (p59 of band) |
| Vehicles % of loans | 91% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 253% (p88 of band) |
| Vehicle delinquency | 0.66% (p57 of band) |
| Vehicle NCO | 0.79% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 19% |
| Average share balance | $7,402 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 113% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $10,498 |
| Loans granted, annualized | $66.5M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 3 | loans>95% of shares |  |
| 2017-12 | 3 | charge-offs p90 | loans>95% of shares |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 3 | loans>95% of shares |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 3 | charge-offs p90 | loans>95% of shares |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | charge-offs p90 |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | members leaving |  |
| 2022-03 | 6 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 4 |  | net worth falling, delinquency 2x band |
| 2022-09 | 5 | delinquency 2x band |  |
| 2022-12 | 5 | charge-offs p90, assets shrinking | members leaving, delinquency 2x band |
| 2023-03 | 5 | delinquency 2x band | delinquency rising |
| 2023-06 | 5 | loans>95% of shares | delinquency 2x band |
| 2023-09 | 4 |  | charge-offs p90 |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | assets shrinking, loans>95% of shares |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2023-05-15 [Citizens Community Credit Union welcomes back Stephen Hindman - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxNalpiZFZlaUN6V0R4TFRfZXJmeGdwYlIzdldnNko4dkZ0X0tPRlF4MmQ5bWlkeVdOcmNJc3FYaEREUDVVUGpXektRR2ZDQzNNaUNyTUdwdjM1YUJsMWJxLTZJdElfemlRRTJ2TEdoV1FsTnU4LWlmU1BQSzluNnlzcFF1Tm9kb3ZVRmRhd0p6ZGx3ZDlZZ3RWNDdhX05HbDd2aWgzbA?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-04-12 [Becky Lynn Petersen Obituary Apr 12, 2025 - brucesfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9jTDhqUzZ5UHlvTnlzM0tNb2owSWZXWUJmUEJQMk1ZT3huMVRmb3VmOGIxa1lpSlBzNnNqQzBuZ0YzMDU1WkkxY1hkNmt6bzJUcmJwRENBV2JvRUhjMEpCQjN3OTVWYzVNRGNJ?oc=5) · brucesfuneralhome.com
- 2024-06-28 [Karen De Voll Obituary Oct 19, 2016 - Turner Jenness Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5md2xIWEc5QjI3MmRqd19QWkhYTzRMRDlUZHc4QzFQT1paajVjci1aUGN3MkJ0Tm5LbkhNN3FFUU5XUnUyc3pIXzRWckUtZ0FGdWwzWGdyZThQNVlTOTRDcTVValF4RDA?oc=5) · Turner Jenness Funeral Home
- 2024-02-12 [Citizens Community Credit Union donates $75,000 to fire & police departments in Northwest Iowa - CUInsight](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWXdiRkN5Q3ZMSVotenFJN0VHb1ZEODQ5Yk91ZkpEcVRzT0tFdXZjU0lxa2I3M3M2c0RaLU96VkdkTmUzSzc5ekVTMjNtWmR2VTV4X3pjdDVPNWhnakZBNFJKbG43X2xPUXljSks1NE9EMzhxMU5aTlNTRXhVODhfVHBCUnJnbUVMUEhpVXlOb3VSTU95UGdES3BKckFEUWpJYW1nb2lyaFdhZjlIR0M4R3BqYVdac3p2VzloYi04ZWRoQ29YVU41MWNaTQ?oc=5) · CUInsight
- 2020-03-30 [10 UNDER 40: Dan Scott - - Messenger News](https://news.google.com/rss/articles/CBMiggFBVV95cUxOOU8zaGhrbHQ3Y0xfdTY2eU9kU1ZDX1o5cldlWXpNRTNDWWJLTnpnQXBFTzN5dDZiNGZvdV9tM0tVaUpiT3B4N0o2YlcxdjU3UjIzT2t5dTE2MklhOXltMml5dDc3SDJjRk1yd2ZVWUZJTTB1aGM5d0ViWGVDbHQ3azJB?oc=5) · Messenger News
- 2020-06-29 [Donald Nordstrom Obituary Jun 29, 2020 - Laufersweiler Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE9iUjdUMTFWUi1kaXpRdlV5NGt4Z3NTcUtlcVBCVXlZRVpfVk45a3NqZWJHQ2RNMUJlNU1FdENTQUc2TkZOYWo1cTA2WWZud3puUGdBUGdIWDZNTE5IeUx2V0FZT3czeXBKeWgxSUQwSmJfWU1lNnJV?oc=5) · Laufersweiler Funeral Home & Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66592 (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/32.json (key "66592", 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=66592
- 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