# CREDIT UNION OF THE ROCKIES
Golden, CO · NCUA charter 67226 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-the-rockies-67226

Who the members are: state charter, organized 1937. 8,011 members of 697,746 potential (1.1% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $119.2M |
| Members | 8,011 (-6.6% YoY) |
| Full-time staff | 31 |
| Net worth | $12.5M |
| Net worth ratio | 10.4% (p32 of band) |
| ROA (annualized) | -0.01% (p9 of band) |
| Total delinquency | 1.16% (p79 of band) |
| Net charge-offs (annualized) | 0.80% (p84 of band) |
| Loans / shares | 68% (p47 of band) |
| Cash / assets | 19.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p44 of band) |
| Operating expense / assets | 4.29% (p71 of band) |
| Vehicles % of loans | 26% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 114% (p73 of band) |
| Vehicle delinquency | 0.92% (p69 of band) |
| Vehicle NCO | 3.58% (p97 of band) |
| Repossessed % of vehicle book | 0.15% (p84 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 23% |
| Average share balance | $6,425 |
| Participations bought / yr | $3.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $25.4M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $16,315 |
| Loans granted, annualized | $26.1M |

## Participation posture (from the same filings)

Bought $3.4M and sold $0 in the latest annualized quarter; $25.4M outstanding purchased (203.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2025-11-15 [2025 Family Favorites Winners! - Colorado Parent](https://news.google.com/rss/articles/CBMiaEFVX3lxTFAtR3oxd2VwZC1wOExxdlFrenNMNVVtMWtnQmlfdnFKWmVTSkRVRVJ3ZnJKVElEQVZHajlSRHVTU3pMZFI1eDBpLWtnQXdnbmV0ZmRyeTEwRC1CZzZ1THNmbXUwdmdQand0?oc=5) · Colorado Parent
- 2022-05-23 [Credit Union of the Rockies celebrates President/CEO anniversary - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQOWJfa3pCTmpnZFpURlIxb1NFZjQ5Vno1YUxQUTVVaGNCSHp6eTBjcGFieThnTDNCUzNVdUY2RWNYX3lTRUQ2TDhpMkN5VThOWGZvTzc4eEhRR2hDWk94a29TUlV5SFdXUGQ3M1hOa19kQzZzaFFIYzdBWFRrLVZIVUlfYTlqZTVmR3U2YWdhUm1MczUwUHZPU3RzalVHcWQ5MzkwT1VubXY?oc=5) · CUInsight
- 2025-10-31 [Free food and other assistance for Colorado Springs-area families affected by government shutdown restrictions - Colorado Politics](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNRkRuV2NrUUhTQXpndUpUdzF4NGVzMTFZY243R0FhbGxZZkhKVFA2bm5xYVh4STROWThhOHVsR09DS25VNDNWUEs1VkhmM0Y1NmoxSWM0eE9IVjVKc0lFTThYa0Q3NXhRMHFwWTFLUWtJTU1weE1pdjZHVnRhZUhVempQV2hmZ0VvODJvWUcybTdSei1jS0pNa05zeFdmT1M5Z1VJeXFMMXk0ZW03SVlMdXhCMmloSXd0VWRCSm9JUFE2VFpyWlJSeGRMb242M1BuNHZYUllkT1Ita0pJWGRuSVdhTENZaFlaWlNZ?oc=5) · Colorado Politics
- 2022-10-06 [Bellco Credit Union expanding to Fort Collins - The Coloradoan](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOcEg5YkFwajFGSS1nNXJWdWhaeWNhRGc0RkVSXzNmNUV4WmdWZ3ZxVzNURGdoZnlVM1ZuX0lEczFDZV9vRXJQZ0NYeW9hUUJDZ3VGXzRROWR3QkliQktmRThCTXpZMnJZRlpNV0lyYUNkLW1nbXFaU1l6Z2JIQ0pINWZXWkx3RHdGeGNyZ1pCV2pBMVh1RVZGV1pOeml6UXI0TE5PWVpfczVjUU5UNHVCbHZkVkZTZV8xQXE3Y2RGVEFoVWE5R3ZCNHFBZkt0Z2Z6cG1ZbkIzUQ?oc=5) · The Coloradoan
- 2018-04-19 [CSU signs one of nation’s largest college stadium naming rights agreements with Public Service Credit Union - Colorado State University News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPdWdZY0NrMzBRdEdHQkRVQy1udkZXeEYwbXNUWTNXbHplNzJyMWZ4bWZkWWZqeTNFWVFBR29FS3p3WHpyMlhnelpNQlVVUXRiUlJHdDdGTHhGb092TXFKRDNYbG4zMlJOdC1pYndNclZwX3hSdGwwTG1Bd3A2WEx6aFJmQm1qcUcxNnpEWnV2UFJWaW1oY2gwVmxfYlZlOHRpcHNuR2hYM3R3dGF3SXFZeUl2VXFfRDVOd0pvQzFNT1NKQ29KaUd1el94NVRZNFR0OGc?oc=5) · Colorado State University News
- 2025-03-24 [2025 Schedule - mlb.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1wYzM0NWM3cjh0N0lHWE5oSFNXa1ZkRWdqLThBME1kejlXSGJWLXowWmZsVzR4UE5jN1lqMWJPcEJ5NkRnZ0tSSU1ybEhaMjJxWGNCWUxrS09KQXVfSjlDbFEwOWJ1TDJLRGFuekg3djQzc18zNWc?oc=5) · mlb.com
- 2021-01-18 [Robber Who Hit Credit Union In Frisco Looks Similar To Another Mountain Bank Robber - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOeFhXamhmYUt0Qnc2QW02YVVDMnkyTUpGWjJucFpSTmlOM093cEZWYzg2ZVpHRmRWcFVDSlMzNHY1MU1oVmx6akppWWQ3WUtWUFZDWmtCb2EwWmY3bUpfYjJIUTVpZDRzeVJ2LU9YZ2oxeHVEd2hnbUlTOVdUUk4tYUpOem5FbEEyM3NUV2tOVUFBZjlPNnFGLXB30gGfAUFVX3lxTE5PTUM1ZlZ3cVhmN0FrbEV5MDQ2WnU4UlhUWTVtRGdVLTVjeEtRdHk0OG54N0docXgxZjF5R1EyYy1EN2xudUhCVUgweXJQcG1FdXBsekpjUngyQU9GWHMxcjJmUEl0WERYeGY3MExIUkk3UnNaTlpCV3MyUEpTWjk5UkxPbi1pLUVodTBYY1BaTzJBMmNPbGdmN1IxLS10QQ?oc=5) · CBS News
- 2023-10-17 [Colorado Rockies news: Rockies’ Triple-A affiliate Albuquerque Isotopes announce new ownership - Purple Row](https://news.google.com/rss/articles/CBMizwFBVV95cUxQQlF5bVNWQ0dEdjFQSUI2Mml2clhIMjlhTUxSWV9rbUZRNVVoelRUQU1EaHpxNjhmeEhXSzhKaFkwa1p3V1pJZG9JNFRyY3U3X0g3LUxCNFRKWUZWSlBoMWNqWmczb3FfWlY4ZUVoX2ItZm42alNHV24yOTUxU1hwbU5zc21BS1dQbzN4MmJnU0FBXzc5WnU3UklVSXlLeXlDZlM3b1pCbkxvZ0lJaHdCZ3hjcFVJNGpxRW14VEdrU1NiUXBFSEctLTBpMW5XbnM?oc=5) · Purple Row

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67226 (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/26.json (key "67226", 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=67226
- 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