# SPACE AGE
Aurora, CO · NCUA charter 68737 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/space-age-68737

Who the members are: state charter, organized 1952. 13,418 members of 39,769 potential (33.7% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $168.1M |
| Members | 13,418 (-5.7% YoY) |
| Full-time staff | 30 |
| Net worth | $13.5M |
| Net worth ratio | 8.0% (p5 of band) |
| ROA (annualized) | 0.18% (p17 of band) |
| Total delinquency | 1.65% (p89 of band) |
| Net charge-offs (annualized) | 0.42% (p59 of band) |
| Loans / shares | 74% (p60 of band) |
| Cash / assets | 23.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p60 of band) |
| Operating expense / assets | 4.79% (p83 of band) |
| Vehicles % of loans | 22% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 79% |
| Third-party paper % of net worth | 505% (p99 of band) |
| Vehicle delinquency | 5.19% (p99 of band) |
| Vehicle NCO | 0.53% (p50 of band) |
| Repossessed % of vehicle book | 4.33% (p100 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 22% |
| Average share balance | $6,859 |
| Participations bought / yr | $30.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $22.5M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,262 |
| Loans granted, annualized | $61.1M |

## Participation posture (from the same filings)

Bought $30.5M and sold $0 in the latest annualized quarter; $22.5M outstanding purchased (166.4% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 4 | thin capital, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | assets shrinking, loan book shrinking |  |
| 2024-06 | 7 | delinquency rising |  |
| 2024-09 | 8 | net worth falling, members leaving | delinquency rising |
| 2024-12 | 8 | delinquency 2x band | assets shrinking |
| 2025-03 | 9 | delinquency rising |  |
| 2025-06 | 5 |  | auto monoline, loan book shrinking, net worth falling, delinquency rising |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | net worth falling |  |
| 2026-03 | 6 |  |  |

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

- 2022-03-19 [Mountain West Credit Union Association announces new board, annual award winners - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxNOVFFNExyeFJoaHFOWUI0a09GZnNYejFBQW9VZVRTWlVETEotT0lZSW5XeGVmR1AyZDI1ejdtekJybWM0UU5tQ1lQek9QUjVPSmFPcEVaTlpmanNMbkxCc21fZk0zTjFOY1FVcThCRTgzVTFSRHZXRktGbG9VX21UbkJaUVNQVmFWSGpXWjlZWWdNNTdqS3YtS3h1MFpKNEE5VG15MEhHZHd1UnZ2TGtDM0EwOXBwdUZPYWpnUQ?oc=5) · CUInsight
- 2017-01-05 [Family of Aurora boy found dead in pond sets up memorial fund - Sentinel Colorado](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSmkyR2Nic01xbVV5R2FweXNueVdMUUowZE1PTGV5ZlhGMkpZQVlGXzFXT2Npd2hHbDdvaEM3NU42ZG5CQnZGZnRjS2NpYW9YM1NGYmwxRHpfa05kTW5STGhfWDkxdUJwYm94Mk5UcV9KcFdsVVMxbHoxRm9LNXZBR1l4M2YzWjEtYWR3a21ieHAwN3JuU3FXXzdERHVBLU5MQ3NNNA?oc=5) · Sentinel Colorado
- 2017-01-01 [Body found in pond officially identified as David Puckett - KKTV](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNHpSQVR4eVEyMWtsczZCWXVMVzMtSVMxaUw2YnhIQ0dGQ3ByRy1GLXZWVnBDSGFZTlc0MTcxeFVCRVRQQjFOMmtRZkZXNjZ4ZEpVcDg3OGlwa0xzMVVZRkhFSTNid1l6cFZ0Qkk5R3p3NXpUT09mdzJNeExpUmlNMkx1bWNYd0tMUWxzSGs2QU9DV0pIdTVtVw?oc=5) · KKTV
- 2022-09-09 [Body found in pond ID'd as missing Aurora boy - Denver7](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQRUw4OGlCeVNjY0JJT1Y5NEhHbEdjVE82LWdtNnh3eEJPOE1FSHBMR1d6QVpMZm9HVnN2OE1iM25ELUZwTDdtdW5SX3c3Qjh6N2FEbUhub3JYUzJaY01POWs1dVdhbnZ1WjZ3TVdDYjZGZ3p3SXd0T0I5OWFxRG9FaUUwRC1ocENPNERyWWJUNGNzNmxfbW5iam00ZEE5RTRybk9lUmpibE5pYkQzTXduWDctRkt4TC1y?oc=5) · Denver7
- 2024-05-20 [Anthony Iacovetta Obituary - The Denver Post](https://news.google.com/rss/articles/CBMibkFVX3lxTFBWVUNMbkZDMUNRWUlMQTVXakdYYVdURUNQVjNocEdnN3IyelBfazNfSGJPVC14b0Y1MS0wSlNGd09sUkhJTXJMc2N0RjhvNFZUZjI1VmtfdnlJa3BCaXk2LXFHdGlBS1dJdEhUY1d3?oc=5) · The Denver Post
- 2024-01-25 [Bucks Beer Bash at The Fuge Offers a Chance to Sip on Local Brews in a Space-Age Setting - MONTCO.Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1idU1yS3pHV0cxeXEzcjB3Uk1CTVk3c25aNFVJeTZkUE1hQ0FYOUw1QkxvWDBzLTZPYWJBNjkyYlI0U2lFTk9falRkTWhhb1FWS0RaTGhJRjFzRWlDR05Z?oc=5) · MONTCO.Today
- 2026-02-13 [8 quirky places to stop on your road trip to Padres spring training - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxNVEpOZUJFM21NYVJrd0ZCUmZMTTNLekRweFpfa3lWN2NJSm0zQlZPalQ2TEx0dFE5OEZBeC1ZZGV2TXlRdEVCUjR0UFJIdS0xNktjNjdsUXhBMTY3TFR0VXRQWC1hQ2dzNTR6RFduMFYxd1RLNnNrcl9LaTA2Y0g3OXpaSzNzZmZZLWhtdl9Za1dWd0QtblVQMy11c0VELUdTYjFvU0RCWWZCTVZ1ajV1NmtVMzBpaTQ?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68737 (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/1.json (key "68737", 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=68737
- 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