# BLUE
Cheyenne, WY · NCUA charter 7361 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blue-7361

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 143,848 members of 313,790 potential (45.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 60.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.24B |
| Members | 143,848 (3.6% YoY) |
| Full-time staff | 344 |
| Net worth | $187.5M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.51% (p32 of band) |
| Total delinquency | 0.94% (p78 of band) |
| Net charge-offs (annualized) | 1.13% (p90 of band) |
| Loans / shares | 101% (p92 of band) |
| Cash / assets | 3.9% |
| Borrowings / assets | 9.63% |
| Net interest margin | 3.48% (p60 of band) |
| Operating expense / assets | 3.33% (p57 of band) |
| Vehicles % of loans | 43% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 550% (p99 of band) |
| Vehicle delinquency | 1.08% (p82 of band) |
| Vehicle NCO | 1.87% (p82 of band) |
| Repossessed % of vehicle book | 0.42% (p94 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 35% |
| Average share balance | $6,614 |
| Participations bought / yr | $0 |
| Participations sold / yr | $4.0M |
| Participations outstanding | $137.7M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $21,378 |
| Loans granted, annualized | $742.9M |

## Participation posture (from the same filings)

Bought $0 and sold $4.0M in the latest annualized quarter; $137.7M outstanding purchased (73.5% of net worth), $26.8M sold and retained. Sold in 4 and bought in 7 of the last 8 quarters. Shares 4.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | repo signal, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 3 | repo signal |  |
| 2016-12 | 2 |  | repo signal |
| 2017-03 | 3 | repo signal |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | leaning on borrowings | repo signal |
| 2018-09 | 4 | net worth falling |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 4 | delinquency rising | net worth falling |
| 2019-12 | 3 |  | leaning on borrowings |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 3 | thin capital, net worth falling | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 5 | net worth falling, delinquency 2x band |  |
| 2022-03 | 6 | leaning on borrowings |  |
| 2022-06 | 7 | delinquency rising, loans>95% of shares | delinquency 2x band |
| 2022-09 | 8 | delinquency 2x band |  |
| 2022-12 | 7 | repo signal | net worth falling, delinquency rising |
| 2023-03 | 7 | delinquency rising | repo signal |
| 2023-06 | 7 |  |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 7 | repo signal | delinquency rising |
| 2024-03 | 7 | delinquency rising | repo signal |
| 2024-06 | 7 | repo signal | delinquency rising |
| 2024-09 | 7 |  |  |
| 2024-12 | 8 | net worth falling, losing money | repo signal |
| 2025-03 | 6 |  | net worth falling, losing money |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 5 |  | delinquency 2x band |
| 2026-03 | 7 | net worth falling, repo signal |  |

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

- 2026-02-04 [Korn Ferry Tour announces Blue Federal Credit Union as title sponsor of annual Colorado event - PGA Tour](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOckotX2JvRkxMczh4c2JlNEZERDRVS2NpQ2dHd3JLd21nRzgxaG1ieUlteXRUcm9PaXFXalRrU01EWnZTQmlpcU5YTExhLWd6UlFrY29IVUViaFJuRURlTXRiS3FUalhoaWlfeEFaenRNNm4tV29wZkJ4dkd6NjZXQ180TTBiSkY0dTZtQ3Y3LUdRVVZIczFSd0tkVTF0MVBDMlJHV1RESXI3Uk5vWkx1TS1yYWpjQVpIdDNUejVadHJ5bDc2a0dYTlZNYUtIcW9WLVVERm5pU0Q3aTl2UEZZRkdFcnZiZ2cxUHlhaEh5cUd6Vng0QXRR?oc=5) · PGA Tour
- 2023-09-01 [Blue Fed Credit Union - U.S. News & World Report](https://news.google.com/rss/articles/CBMibEFVX3lxTE91WUppOHNXbGlEXzFRNF9IMVpEaTFQd1U0YkhLSjRURUFUZ3lSSDhYTlNGeFlRNElYUHJhandybHhaUVJjdmhTNWNhRzduZWJSM21vUTdUZTJPLUxET1p5dTkwZkNMc1h2NVMyTQ?oc=5) · U.S. News & World Report
- 2021-10-15 [Blue Federal Credit Union World Headquarters: Best Project Office/Retail/ Mixed-Use - Engineering News-Record](https://news.google.com/rss/articles/CBMitwFBVV95cUxQUmtyazZrcW1kZjBKR2dCaGdYU0RNWjMtRWVJbU5HNmwzRXVEcU9Ta1Y3R3pDczViUVNJWl9CU0FsNTN1QnhvQzdZeGVkWENCMVV3X2hDMlZJaUJ2cHplMFFmb2xiWGF4OExBbUlyVzk5V3VfRHY2Z191Ync3bUpEd2FnNEx5UzB6dFA4Z19VSWpmXzd1V2xyYzA4d0hmckxlR0Q5U3RCUkFRVDFZWHoxSktuTzlsNWM?oc=5) · Engineering News-Record
- 2026-01-29 [Fossil Ridge wrestler Tristan Gauvin is Blue FCU Boys Athlete of Week - The Coloradoan](https://news.google.com/rss/articles/CBMigwJBVV95cUxPTXY5RHFXa3hhTW9RWklrOTZESE9ONEZHZ3FMOUJRSjY0QlZDRmlqejJZZVBrTWhualVtb19QY0Jjd2ZzNFVzQS05MUxjNUlvYUNzQmRNWWt2QkNjeVBTU2FCZXhaVVJ6bzNrSWVvRkdob01TM2c3azJDNlNaVFNuUlBUckkySzhvdFEyOXNOR0RxOUptT3p3Y3lYOEdFNzZRb3ZUOS0yMG5WLTlSS0N1WWx3bFFYS3hET2R2MHNrYzVuZmRRRFVpTlFubzB5Wld5N2w2cG9NQ3E2V3ZaN21MdFhUS1k5NWxrUno2UExMNktNbWhWaDMyVHdvY0hfdTA2d0VN?oc=5) · The Coloradoan
- 2024-03-01 [Blue Federal Credit Union’s Merger with Aventa Credit Union Is Official - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdTR4SFZzTG8wY2x3cHNrZXp6VG1KVTlDemdXa3ZEQjZfbjZaS0F6amNsSjk4NlBVTEVhRzZiMkZVWWE1bk1PRURfdk1XYjJ6QkJRTkdlUDJ1bGZ1Z3lZdlE5UWYwWXJRLWdsSnNwNjZFa295OWdhYTh5eWtJTUgwNkV4N3c?oc=5) · Yahoo Finance
- 2023-09-28 [Blue Federal Credit Union employee Michele Bolkovatz celebrates 30 years of service - Cap City News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOcXFibEc5ZHphNWdGVWkzV0NjZVN0UmxtU1dSQ3k0anZDb25VZTNYWERkSUh0bWttR0hwdVNPWDBkWV9FNnIzeHJwWm5UQnM0WjhQNTcwa09fT3JuN2gxNU4zRkhzZ1doSHA2WXQ0cnhpMUJiZ2xRZ19fN3RQb25WUWNySUtCWEJxUmstTThLMmxrZkQwczQwTC1sWmVrcGRLVzhPbk9IWGFXTEtyZWNQVktrU2V5UHJVRFVoc0hCME1FS1VYblYtbEExQ3M3N05Q?oc=5) · Cap City News
- 2025-12-01 [Florida Bagel Seller Accused Of Swindling Cheyenne Banks With Fake $500K Check - cowboystatedaily.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQdG5XTVlCSHFQMmZQOXF5SUYxcUphWGJEMGFpVVcwMWRTd1pFRk1MVXNoMmpDTWZVRjFJbEtGNWRBV2NYZ1J2cG1pTmQ1MkVWTGRkQXI2VmhVZHl3bm4tVVZtdHlWVkk0X201VDBfLXhHMEkzXzhwT2RSX1k3ZmtfT0U0TWpRX0J1ZFN0WUtDMTNFY184djlPNDlBZFdzakJZWlBRdFY0TThPUUR1OGxZSkZPVEx4eEUtOHc?oc=5) · cowboystatedaily.com
- 2024-11-15 [Blue Federal Credit Union Review - businessinsider.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY25mc0RyTTZuRzlveGNDcDNobGVIUlBGZElOY3J3LU1mQTZpOGVxZ0ZQbXRnMlJUU0FjWUlxRFc1LTB5WC10dlhvbm5KYy1KaEZqS2Vkb3VvSlJDWHBWbVo2U2p4ZF9CeEd1NEh4eldibkZsSGZtNHl5clZuZEpVTFBBOHFRSEdyWUtRQ1lvUkFPdG8?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7361 (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 "7361", 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=7361
- 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