# ENT
Colorado Spring, CO · NCUA charter 68671 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ent-68671

Who the members are: state charter, organized 1957, low-income designated. 948,633 members of 24,814,765 potential (3.8% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $19.48B |
| Members | 948,633 (70.0% YoY) |
| Full-time staff | 2272 |
| Net worth | $2.25B |
| Net worth ratio | 11.5% (p79 of band) |
| ROA (annualized) | -0.01% (p4 of band) |
| Total delinquency | 0.51% (p29 of band) |
| Net charge-offs (annualized) | 0.49% (p33 of band) |
| Loans / shares | 97% (p88 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 3.29% |
| Net interest margin | 3.61% (p83 of band) |
| Operating expense / assets | 3.58% (p100 of band) |
| Vehicles % of loans | 14% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 89% (p54 of band) |
| Vehicle delinquency | 0.44% (p25 of band) |
| Vehicle NCO | 0.90% (p21 of band) |
| Repossessed % of vehicle book | 0.16% (p79 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 122% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 25% |
| Average share balance | $7,816 |
| Participations bought / yr | $184.0M |
| Participations sold / yr | $72.3M |
| Participations outstanding | $707.6M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $31,207 |
| Loans granted, annualized | $5.42B |

## Participation posture (from the same filings)

Bought $184.0M and sold $72.3M in the latest annualized quarter; $707.6M outstanding purchased (31.5% of net worth), $272.6M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 85.1% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | leaning on borrowings |  |
| 2016-12 | 1 |  | leaning on borrowings |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loans>95% of shares |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | loans>95% of shares |
| 2019-12 | 3 | net worth falling, leaning on borrowings |  |
| 2020-03 | 2 | loans>95% of shares | net worth falling, leaning on borrowings |
| 2020-06 | 1 |  | loans>95% of shares |
| 2020-09 | 4 | net worth falling, delinquency rising, loans>95% of shares |  |
| 2020-12 | 3 |  | loans>95% of shares |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 4 | net worth falling, leaning on borrowings |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | net worth falling |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | leaning on borrowings, delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 5 | net worth falling, expense trap, leaning on borrowings |  |
| 2025-09 | 2 |  | net worth falling, expense trap, leaning on borrowings |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | losing money, expense trap | 3rd-party paper>100% NW |

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

- 2026-04-09 [Colorado's largest credit union has a new name - 9News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPODJSeWMtZ0ZzX2xCU2NhZmdYUUk1U1liX21nOXpNcW1CdlprZjMycVc2LVBNeTJIdmIwYVFrQlNfblZCengxcGF2NmZRbnZ4cm1aRWlLYUtIRVJER0VPYVRZZmhJR29iMk9rbVRSNXBlazFvdEdQNUZucUdiQ0tQV3pYWWN4aHJSN0RiMXFFLXZHSXFaZ1VGVFo2cWNaX0lReUw4VXltWDJsZXM?oc=5) · 9News
- 2026-02-02 [Ent Credit Union to enter long-empty Longmont building - bizwest.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPaUk3cEc3QUFBZjV0UEZuc3NzYWRNX2E1VUN0ai1PRHFxWGt5MGduOXRLRXUyMHhNeDAxc3l1dlIzd25aZHFKd1FBQjFXeGFGekdUdTFvTXpVaGpNamU4aVBNNGJCSGZIUTN4RHo1REtVN1NmSS1vWkR0bjJuUUdhRlg1Yi1aaC1DQ1ZLY2JXWQ?oc=5) · bizwest.com
- 2026-07-16 [As FirstBank becomes PNC and Ent joins Wings, Colorado customers confront a changing banking landscape - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVHBYSDNmcHV6ZnlyNV9oZjBsd3djc2NlU0haMVpzR0xPN28tb0hCUGkyeDkweHNkRHhPNHJyVWVReXFDcnZUZGFwZ3JrUHpZTk5CUzdQdTlHNi1CQ2N6ODRKLVJVUmoxYjdrcHdhMmhRbU9UbFVKejY5T0FxTWJUQmRBbFFwZG5aWUcxZzVQcVA0NXJORHJzLXlFTFNhakNxa0RTaQ?oc=5) · The Business Journals
- 2025-11-17 [Ent Credit Union opens Alamosa Service Center Monday - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOGE2Y09teTROTTFVZnJYSU5xWkNoUVo4VzdyYWtuVlFIYm5UVzFia192cTlSOVF2STlid1l3bk1RTUdCRWhFTEgxWjBhdld3Rk0xM1dSWVp2QUpKTXdydFB0ZGs1SE55LVFUWm1rcXd5SzY5WEFqX3czTnB3OVF5QXRDQUNCTjBIeUlNajNENkdNcUtld2FkOA?oc=5) · CUInsight
- 2026-02-04 [Ent Credit Union Completes Merger With Wings, Transition to Wings Brand Underway for Nearly 1 Million Members - SoCo Digest](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQNFZ0MUZodzIxYWhEdXBOcVBMTURFYTc4NVl6eUNMbFpUd2JNWHZNQVd2aUV6bWJfMmRfZzY5T1N6WWFyd2RLcFpWUU9pTFBzV2hjUEh3VWUyM3FYSGxkZTc2QWQ4aUVuS2hlcjE2U2N4eTUtTkk1UDBMbzNVQXU2em15NUFpN0x6SmhBQzl4Y0RFTXJZMV9KVEpnelM3b1ZLZE94RWVuaDJkanJXVWZOSThZdzdCTXdDLTBnWXJGYW8tXzFqZGtvV1dUQkZjc25Bd25FUUtCdzNUZ2M?oc=5) · SoCo Digest
- 2026-05-25 [Ent branding won’t die in Colorado Springs in some publicly visible ways - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMipgFBVV95cUxNeUhkc1dsQUxBZW9yMG05c1JXMzZmS1ZyV1I0OGdZZ28wTzVTRWh1V3h4LW01WnEtSk4wTVVrMXBPT3VBUklYMU56RjZWQUlWVy1ZbERHWFg0YV9YTVBpcm9TVUtJZmlXRGlSS1BiR1RCWDRDNmFITXZ6dVZoS2l1RkdkWi1FRkNQQllDTU1DSGlUX1NZTW1xUWdfNGNDM0VuUnZBOGxR?oc=5) · Colorado Springs Gazette
- 2025-12-05 [Vote clears way for Ent-Wings credit union merger - denvergazette.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdmtkZ2JsbGVLUVpITVB5SU96M0xlVXg4TUtVWWZiZ1NnNDk4am9RZG94dVlwa1JrUmxvVlJzQWFMSHdLalVIOG45SXBHV09XQktMLTVnWm9RSlUxeGU4MDFlRUhYbkZRamNxdnpKNGNBbGU4SUF0WGdsam9Yak5TZTZYVGpwOFlNbG95TXRHdzQ1V3BsZ0E?oc=5) · denvergazette.com
- 2025-10-24 [Ent Credit Union continues to help federal workers impacted by the government shutdown - koaa.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPbGRhS21UMnZpU3RMVWlaS3k4bTh6Yi1uYUVTT0ZMUUNwZHRNSmhhX1lPSHE1RVZZSUtlQlg2ZjhZemhpamlveXk5dktVdnhaRkZfSHd1ekJpbzlXTHdOUGNwa3JyaVRCNjg3QkdtNkVVc1lSSnk1aUt5QzN6cGJPTlJXTHozT3A4OFlCNEd4U1oyanAwWTdUYklDcV9PaTBKbDRRWTVCem45M3NOR25hcUFkVGUwRUx0bXdaandhZVU?oc=5) · koaa.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68671 (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/63.json (key "68671", 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=68671
- 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