# COLUMBIA COMMUNITY
VANCOUVER, WA · NCUA charter 68186 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/columbia-community-68186

Who the members are: state charter, organized 1952. 121,381 members of 2,713,162 potential (4.5% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $2.59B |
| Members | 121,381 (1.8% YoY) |
| Full-time staff | 308 |
| Net worth | $336.5M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.34% (p88 of band) |
| Total delinquency | 0.92% (p76 of band) |
| Net charge-offs (annualized) | 0.64% (p61 of band) |
| Loans / shares | 90% (p61 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p76 of band) |
| Operating expense / assets | 2.67% (p23 of band) |
| Vehicles % of loans | 37% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 175% (p62 of band) |
| Vehicle delinquency | 0.74% (p62 of band) |
| Vehicle NCO | 1.53% (p74 of band) |
| Repossessed % of vehicle book | 0.20% (p82 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 167% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 26% |
| Average share balance | $12,805 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $55.5M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $31,388 |
| Loans granted, annualized | $488.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $55.5M outstanding purchased (16.5% of net worth), $46.4M sold and retained. Sold in 4 and bought in 1 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **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 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | net worth falling, loans>95% of shares |  |
| 2018-03 | 2 |  | loans>95% of shares |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | loans>95% of shares | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | loans>95% of shares |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | margin squeeze, delinquency rising |  |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2024-07-29 [Feds approve Rivermark-Advantis merger; Credit union to expand to 19 branches - Columbia Community Connection](https://news.google.com/rss/articles/CBMixgFBVV95cUxONlRpeW81cmRicEc2ZkxHRUNOaVBFX2VMQWJSM1J5SlhaWS10WmhOVHBJMmJzMTRySHZUUXAzd2dFdEptNS13MkNfNE5hWGVUeldDTzVTaU56UW1NejktdTlKMlVnTVpObVdLRThaS0FwZndPSElQWkZ5VWk2S1Q0U1JHeDZqbzVOZUFuTk11VTg2dXplRkswMmw0dy1UQlBQY2s5X1NUclN5WGtxRzhtQVBKWi0tZ24yNmNmTFB5RlhjTEs0Smc?oc=5) · Columbia Community Connection
- 2023-01-12 [Columbia 50 Most Influential - Greenville Business Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZkFITEsxN0M2bGxQUUdTTEkwRmVPWVBPeF85NU5VSFN2YmYwRm5jWlR5SDI5ZHpiU3dWOFFraVhZRkRnaWhNbGhnd3RrMnA1Yk9MX01LS1R2UlFIZi1ETUhHc2haTzhkVzFKa1hZZ2hKcE1YWHM4VERlR2lubVRESmt0aXA1UQ?oc=5) · Greenville Business Magazine
- 2025-08-14 [Here are the most-generous companies in Oregon and SW Washington (Unranked) - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQaEM2cGFjUnVTbGZwMkZZbURHT1lfckd0bmhOWlFsU2pldzd1cmdzWmVIZ2FhWEg0MGctZDlPMlRyQzlxbG9WRVkyWU9WTDJpaDlURXFFR3VlNGlJdHFrZkhiV24xamZOSlVscHpKTHR1NFFURHJDSDF0OHhIWDZwclN6OG9lV21YaFFXOXRGOU5MSzEz?oc=5) · The Business Journals
- 2017-04-13 [Building Permits -- April 2017 - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0yb3V0bXdSSVdFMTlRcGtEcHNwOUZRaVFKSzhyMXZMaERDTFZCaEZfeGk0dlRwUzJCV2FxMlR6TWF1Mmp2QlRibDJ3eUczbk4zZzR1b3lGLUdEUlV3RDU0?oc=5) · Tri-Cities Area Journal of Business
- 2024-12-18 [Here's who made The Post and Courier's 2024 Power List for Columbia - Post and Courier](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQTFByMnJ3SUJyaExmckNSeFpPN1VyWlNyMXVkUmZkR0tRUk42dDVta0VnR2tnRzZsTThNSFRhclU0b2JPU29NUUlDNkZFUS12YXZhZFgwYlBYNkpLZ2Fud010Y2d3M2NydjlOSXV3elk0cmxjZElvZ1RmQWZxSjN1eUtYZ1hRU1U0blBjaF9uZm91Y1l2MkpSc040TFhrNzFtejR2VldJczR4R0xNd0xEUkFSNDZPWU1aRGR4dUdlaUFlQ2JjLTNlS1NrWHlMLTdtU3dtcVZFOA?oc=5) · Post and Courier
- 2016-08-05 [Retired president Golladay reflects on accomplishments at Harford Community College - Baltimore Sun](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQelFpVkNSYm8xcDAxWHg5WWs2R1BFX0VRTVhkTnJEdzNidjM1dDRadVdQZE9udUVZb2g0ODg0akFXS1dGSTktTlpxWHlXME1JZG8tOEhGZ2tXR0pfUEpCaldmYVFFQkFySjhUUVlXMVE3T0gzd2xMN1hLUU54bmg5a081Q1BhSkdmZDU3X29VTWhoZzJUQzR4ejdsZW8xUXZRSTZLR0MtQkhOMmZsM282NzlNMWV5VVU1X0hvLV9CVEM3dw?oc=5) · Baltimore Sun
- 2018-11-09 [Accomplished & Under 40 Class of 2018 - Vancouver Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYnB4RWhSNHk1VnhCSWlRUVl4NEhQRWVqUU9FQUdjb09qbmJ5cU56a09Ma1Z2c0tBMmhRZmFKZmpCdnZiMWlkbWpvVVZ5Qk9Rb0JsT0Ffby15Z2EySGR1bmlTTkoyelVvcUktZWpHdU1WWTc2T3dZbWxnRGVPUDNJaG930gGHAUFVX3lxTE42dm84VkNQcmNLanVOdFRlWEphVkE3Q25PT1o0akIwTE9OZlRYS1Y3TDQ1NjlxWml6d05qZHItZmUwYm9TbUt6SjBFbVF5NUtnTU9jXy1kZk1GS0FMel9HTHoxbll5RlNmSEN0ZTNsX0ZpMHBqX242cHhXdW5nclBIT3J6d1hIVQ?oc=5) · Vancouver Business Journal
- 2022-02-23 [Cool spaces: Look inside the elegant Patricia Reser Center for the Arts in Beaverton - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPY1dHckFGUnJIdTF5a2QzTEQxa3BPSXBHLWVLb2VHendJUTUzOEhEZVMyQVhlbUpxVW12cjMwUmhLbkk3X1g0NkoyVDg1TlNUN1JVMkh2MURUSW1IZ0pEZVU2RW9DcGduakowSmI0VkJuRF9NT0diMUJvLVNraVJrZDA1VnZwMG5QX1Q3WnMxYTI3QjlaT1ZFS1lYR0dMRXdvQVFmcg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68186 (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 "68186", 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=68186
- 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