# FOOTHILLS
Wheat Ridge, CO · NCUA charter 67181 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/foothills-67181

Who the members are: state charter, organized 1946, low-income designated. 11,152 members of 960,456 potential (1.2% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 33.

**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 | $163.3M |
| Members | 11,152 (-1.8% YoY) |
| Full-time staff | 29 |
| Net worth | $12.2M |
| Net worth ratio | 7.5% (p2 of band) |
| ROA (annualized) | 0.11% (p13 of band) |
| Total delinquency | 0.88% (p68 of band) |
| Net charge-offs (annualized) | 0.19% (p31 of band) |
| Loans / shares | 80% (p71 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p36 of band) |
| Operating expense / assets | 4.08% (p64 of band) |
| Vehicles % of loans | 18% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 78% (p64 of band) |
| Vehicle delinquency | 0.98% (p70 of band) |
| Vehicle NCO | 0.74% (p64 of band) |
| Repossessed % of vehicle book | 0.16% (p84 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 117% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 35% |
| Average share balance | $8,844 |
| Participations bought / yr | $4.3M |
| Participations sold / yr | $2.0M |
| Participations outstanding | $12.6M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $32,710 |
| Loans granted, annualized | $42.2M |

## Participation posture (from the same filings)

Bought $4.3M and sold $2.0M in the latest annualized quarter; $12.6M outstanding purchased (103.5% of net worth), $4.1M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, delinquency 2x band |  |
| 2021-06 | 0 |  | 3rd-party paper>100% NW, margin squeeze, thin capital, net worth falling, delinquency 2x band |
| 2021-09 | 1 | thin capital |  |
| 2021-12 | 3 | net worth falling, delinquency 2x band |  |
| 2022-03 | 4 | losing money, 3rd-party paper>100% NW | delinquency 2x band |
| 2022-06 | 4 |  |  |
| 2022-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 6 | leaning on borrowings | delinquency rising |
| 2023-03 | 3 |  | net worth falling, delinquency 2x band, leaning on borrowings |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | net worth falling |  |
| 2023-12 | 6 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 5 |  | losing money |
| 2024-06 | 4 | repo signal | net worth falling, delinquency 2x band |
| 2024-09 | 5 | delinquency 2x band |  |
| 2024-12 | 3 | net worth falling | 3rd-party paper>100% NW, delinquency rising, delinquency 2x band |
| 2025-03 | 2 |  | net worth falling |
| 2025-06 | 2 | losing money | repo signal |
| 2025-09 | 3 | delinquency 2x band |  |
| 2025-12 | 2 |  | delinquency 2x band |
| 2026-03 | 1 |  | losing money |

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

- 2025-11-16 [Spartanburg credit union branch releases statement following fire - FOX Carolina News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNb3F2dWo3ckdGQWpZT2o5dkwydkctM0daejBNTDBaWFFXdHRZSGtHR09SMl9CZ3JwWndkQU55MHZjU3Vsc0JWTXNRalhVRnRkd0lWbVhQS0h4NlZiLXpZUkg1TFdNcnFkeVJRb3lOblJiRlJtTTN1X1NKRzhiSlVYelAtS1lDVzFtNjVJaVVUamR1QdIBpgFBVV95cUxOSnpwenB3Vzg4TGtaZ2lpUnkwLWJuZG9aOTg0U0JJeUxlQkJhbUZkcENsbDNHSlduNGJ4SVRrSGw1cElMX0ZTeF9vcFF1MGhEYkppSElhN1Q1bXFJVXV5SDMxQS1Gc0JqZU9pa3FUSEQ2ZWpSZXA4dHkwZHVWaVNseWZwUzE3YkJheDByOVFXa3p0SkVRSkIwVWk2aEVaNlhJN0lZWjRn?oc=5) · FOX Carolina News
- 2026-07-18 [Today, Saturday! Foothills Animal Shelter 50th Birthday Bash: Free Lunch, Tours & Half-Off Adoptions - Mile High on the Cheap](https://news.google.com/rss/articles/CBMif0FVX3lxTE9fWjh4WE14NDI2VWpaampIWEZpdE1ZS1N3aEtsNmpMYTJoVlA1TGVzakNLTFlSODJucG1LS2k2Xzd4TDAxUllJM25zcmRCT2JYWnBEbUl3ZjdKeUYwaTJyQjEwR3lvdlFJRktJUnJvbDVjSEhsMkJKcVpJS2JRWDQ?oc=5) · Mile High on the Cheap
- 2026-01-31 [List: Businesses and government offices closed on Feb. 2 - WBIR](https://news.google.com/rss/articles/CBMixgFBVV95cUxNUmNFLVRrWmI0VVpmX3JGTldOZk9jSGM1bUd6dWlYdHYydjVKYThfcGppTkgxQWswbjd3MkRvTUFCakVVTFBjTTNodVFJQ2ZXQ0hCbEp5Q0RtUnlMVUJDMncyRXozZUlEd2NBMnhYcUR4X2ZFNGV0RXM2X2pZd0FLcDFqQV8ydHdTVnFoVE5PaTBVdlJEcXZTWUZTaDM3TDFmZVpRbkVjaExNZDBHTG9NQ3dweUw3NlFmVW1LcnFGRmZ4bGNvM0E?oc=5) · WBIR
- 2023-08-27 [Best Credit Unions to Work For 2023, ranked 36-70 - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOUVQWUxTdGQ0bmdxdE9DUGRNSTFuRW13TW5hSlg3TzBsU3FsYjBVVlEyNmV4dFlFZnRoVXJIcjZ0dnc5ak5hTWZNQ3JfQlpWVnBpc0ZjT0FjMHp4NENpM2VjM0NQMEhqeHJVbFUxQUMxMDBIc0Jvbk1XVkozcDdvWjVGMW1NLWNRWVVQYnNGeV9TUQ?oc=5) · American Banker
- 2022-10-26 [Carolina Foothills Federal Credit Union Selects Mahalo Banking to Modernize Digital Platform - citybiz.co](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWlo3c2l3dFVsa20xaVduN3BSa19VTHllRExsdkN5cTRkWE0tSnM5OUdUMXlCM2prYktUZUYzWGx0QUQ2YW93MGZNSFBjT1ZoSEdadWxqWWk4QkxaZnowMEtQemY5aWJEOVB0Ym1nWVc3LTN1VnB5VW1LcnlhU21PSzhONFozNGpodHdVT1h0VG82bHJwOVVNNHc2UHV1b1ZKeUxHMVZlUWlyRU5YaFlGb1N6STM5cVM2YmZWNHE2aFh2b29UbmpvQkpYQQ?oc=5) · citybiz.co
- 2019-10-12 [Ent starts work on 330,000-sf HQ facility - Colorado Real Estate Journal](https://news.google.com/rss/articles/CBMicEFVX3lxTE9QQ1ptOG1EUkZpSlhZdFdCVlBIYnlIOERCaXozMV9PN25aYks0MFhaU29aSktDWTViSkQyRHFRam1VSHJrUlllS1EyM1RLZzBla201VGg0ZXM5QlZEZ29VSkVnSUhsdTNROEVkWmc0VzM?oc=5) · Colorado Real Estate Journal
- 2023-06-30 [OneSpartanburg to offer loans, grants to small, minority businesses. What you need to know - GoUpstate](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNZnMyZ1hmcUJGZ0hEblB6UlRCWVJfeEZCSU1ZNzV6NGo3SzFiYW9tdzBSeDNTTXprc2Q1ZEUtanA0dmdkb2IwbTNEUjJlZGhaemZMREN6Z1FNRzdkMDVseTgtUzBfWTl5RHlfdTFPUjhiS2FvM0UwclpuRDM2dUhhV2ZhNHNvdTJRZDd3bDd3R1N1MWJucHpRam04eUstUlNTR2p2Sjg0ZWdTWXVNc1pQSjhNbkxxSVZpYVd0QUhJU2Y4SVp2bHZJeA?oc=5) · GoUpstate
- 2022-03-22 [The small business angel in the banking window - upstate business journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxNTF9JY280a3FYMW9ab1VuR1Y5Und0TktfSUUzaFY0dEstdmFyUkdBeHBZUkliTmNiUndrczNxQWdmREltcHdKLTFrZjhVT3RFNm1GQklnc2Zrc2pMbkZwajQtcEZ6MVVsMVp6T3ppTmwzYW5EcDJHMzh3cHUxb3FVdFdacDRKT2VCYXFLNEgtTWlORzA?oc=5) · upstate business journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67181 (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/45.json (key "67181", 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=67181
- 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