# COMMUNITY FINANCIAL
BROOMFIELD, CO · NCUA charter 68550 · asset band $200-500M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-financial-68550

Who the members are: state charter, organized 1968. 16,855 members of 65,000 potential (25.9% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $239.8M |
| Members | 16,855 (– YoY) |
| Full-time staff | 53 |
| Net worth | $24.1M |
| Net worth ratio | 10.1% (p47 of band) |
| ROA (annualized) | -4.83% (p0 of band) |
| Total delinquency | 0.18% (p8 of band) |
| Net charge-offs (annualized) | 0.08% (p12 of band) |
| Loans / shares | 86% (p76 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.86% (p0 of band) |
| Operating expense / assets | 6.00% (p99 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 330% |
| Third-party paper % of net worth | 507% (p98 of band) |
| Vehicle delinquency | 0.86% (p81 of band) |
| Vehicle NCO | 0.59% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p22 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 13% |
| Average share balance | $5,799 |
| Participations bought / yr | $5.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $15,842 |
| Loans granted, annualized | $86.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, 3rd-party paper>100% NW |  |

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

- 2026-04-09 [Cornerstone Community Financial Credit Union Launches GenGrow Family Wallet Youth Banking Platform with Rego Payment Architectures, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWGx0LTBEb2czcUV1T3dtWFNvWVRpOWpPT1JSNkpGc2RPRF9OdEpGcERpTHk5Qjk1XzV3MEUtWjFUMi0zQUJjYTBMSXZtcVh0eHJ4MWJHa3NOWk1ITDZfVGxVU01xeXQxRFZjNW1La3hxdFVxNlpNa0ZhdkFyYzlqX3c4Tk1YRFBlQ1Y3azVnd2ZoQlIyR2VIUGJoQldkNUM5NVBkMF9aVC1fZ3ZkYWc?oc=5) · Yahoo Finance
- 2026-02-11 [Community Financial Becomes orsa credit union with $25M Commitment to Michigan’s Next Generation - DBusiness Magazine](https://news.google.com/rss/articles/CBMixwFBVV95cUxPeHZ1bHJzSXZWbnV5aUdEXzA1Qkxic3YtanZHclFOaDUtbWJ4S0FuS1pRa0M1VU4tcXdVZUYyNkZMdEpoUU5ETEJESFpISkFzTWtRUGNSSGJmMjhBVVJtZEVNX0tMTktsYThSODZrTEFPU0M3ZUdkWFhiXzRHMHVwOUJvOHRrUWFIb2FrLUg5MTlVNUprTGlCY2RoVEQ3dDVHMm9zOWw3Q1NEZFV6RHZhSzBjNlNwNWhqclExZVpteHBaUGdHWmhn?oc=5) · DBusiness Magazine
- 2026-09-02 [Eltropy: Interview With Co-Founder And CEO Ashish Garg About Agentic AI For Credit Unions And Community Banks - Pulse 2.0](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBoT190LTIxR0stZ0tDbkFqMlp5Q0xEZTNzZWpER2ZzMzhWQzhJekprWVBYaTFJTDYwR3NvQ1ZlMlRZNXFvTXRRLVltZUxVRDBnbldJdnVOekVWdWZnc3hSMDQ2Wl8tazlY0gFuQVVfeXFMTUVTemd4SXBwNVJyV3dBUU9DeHFxWVhicFVuTEJINVF3UXlQMVk4elRDdTFfb0dic0xfMmdaUXYxN0xQNllnRTBhSlIzQzJ6MDlaV2ZKYWJaX1FKdEtkYUpvNEs5dUhQSHI5Y0NTM3c?oc=5) · Pulse 2.0
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-06-08 [Reset Raises $6 Million Seed Round Anchored by Credit Union Customers to Expand Embedded Earned Wage Access Platform - Business Wire](https://news.google.com/rss/articles/CBMihgJBVV95cUxQRHdRRjNwMVF2T1RiU1RsdWhRcmRRREg2d3JjUnMwbUJMcGV6WEJvaDJaazJhNEl3ZVlrX3RTZFVEY3QxZWUyMFM4V3AzZ3NmaW9WN0NKYmtUT2VjOEk5bU5ieS1wNEVaME02M2tUaGNEcGJyYng5d1V6V0dZRnZOdk1BWlVENzVaV2ZDSUM5QWFCeWd2QWFjbktuSjF4cGdPWEdZRndLd0xIREFQSHpVeGpVeERsQ2JEVkpuanRWV2NjeE81bmR2bDE4NGFLaHVGWWRyb2VMWXlxQ2pHUHNGbHFQaVlOTWJMRVdWVjVSMGNleVNjc19xS1ZVaXdBWWdmSVFGWTNR?oc=5) · Business Wire
- 2026-07-20 [Eltropy Leadership Summit 2026 Brings 90+ Credit Union and Community Bank Executives to Monterey Bay for Human x AI Agenda - citybiz.co](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPTnoyQ1dOREF6X1d0bE5GTUZ4VXQwV3pYNkN6THB6TEJodG51V0dkUnkzZEdMSGdHUTJJS0JDWE5iRlFQWUJmbE9CTk5KNWJhZzByV0NGb3NsdlZFcmRXNGpoUTVnZks1T2FpWjdsbllxamtqMGF0WktGMkxTVnRrdmMyTDdyeW04NWE2aktZOFdhaUpORmtnQjBrcFB3WjF3b2tQMjVSd0tOWVAwZGRmdWdLdWtpTFpqdG5mNFJPRHhUbFlQNmNIdFY5VEFrVnVNZ0NMMHl1X3dleUZxVkN0RngyOEZLNDItSWNVbThzTTJuUQ?oc=5) · citybiz.co
- 2026-01-29 [Two Major Orsa CU Partnerships Support Tech Learning & Live Music - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMlBGRE1OUDM1ZThOMG5VaXVOQUhOZmhpZVJyOWRHZURGWGxIcDU2X0lVeW5wcXgtRnBlUGxNM1FjVlIxbnpyQlhqcktRU0V2RjhPdzFvQnhzVjhYVm5xWWh1YngwOHNXV3JaU2xxbW5Icnc0bnVyZ2ItRFUwVEJFT3VlRVhnTFo2ZFZsME9JUnRyRm1wVTBCZTdZWGp4LXcwRmc?oc=5) · CUTimes
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68550 (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/6.json (key "68550", 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=68550
- 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