# WHITE CROWN
DENVER, CO · NCUA charter 7418 · asset band $50-100M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/white-crown-7418

Who the members are: federal charter, multiple common bond, organized 1951. 4,822 members of 100,000 potential (4.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $68.5M |
| Members | 4,822 (-3.9% YoY) |
| Full-time staff | 5 |
| Net worth | $6.5M |
| Net worth ratio | 9.6% (p39 of band) |
| ROA (annualized) | -0.38% (p4 of band) |
| Total delinquency | 0.03% (p7 of band) |
| Net charge-offs (annualized) | 0.13% (p54 of band) |
| Loans / shares | 63% (p61 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.36% (p47 of band) |
| Operating expense / assets | 2.83% (p45 of band) |
| Vehicles % of loans | 17% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 71% (p75 of band) |
| Vehicle delinquency | 0.12% (p30 of band) |
| Vehicle NCO | 0.57% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 98% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 11% |
| Average share balance | $8,713 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 74% |
| Average loan balance | $17,890 |
| Loans granted, annualized | $14.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | 3rd-party paper>100% NW |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 5 | thin capital, net worth falling, losing money |  |
| 2018-06 | 4 |  | net worth falling |
| 2018-09 | 2 |  | thin capital, losing money |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | loan book shrinking |  |
| 2019-12 | 3 | members leaving | assets shrinking |
| 2020-03 | 6 | net worth falling, losing money, assets shrinking |  |
| 2020-06 | 5 | margin squeeze | loan book shrinking, assets shrinking |
| 2020-09 | 5 |  |  |
| 2020-12 | 3 |  | 3rd-party paper>100% NW, members leaving |
| 2021-03 | 4 | members leaving |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 2 | repo signal | net worth falling, losing money |
| 2021-12 | 1 |  | repo signal |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 3 | delinquency rising |  |

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

- 2022-09-08 [Denver-area credit unions plan to merge - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbjM4eGVMRlpLMHh2Sks1QlN3aUN0UnBkNzZXTnZkTDVUYU1DZzFydmdNdl9BcDhDZTg5UndtN01tdWFFVzZ4RjlRQzdsQ1ItRU1qOWpaSHZVYzBpbmNTSDE0ZFRsM29INjYxajJpcUVqdmNSWDZCazBBdEZ0elFJSGJuSmdOcDc4VENDUWtWMktnUQ?oc=5) · American Banker
- 2023-08-28 [Mike Williams named Pierre Jay Award Winner - CUInsight](https://news.google.com/rss/articles/CBMijAFBVV95cUxON3hFbDRIZHQ5dlBSMDdHOHhVamk5QURpeWJqMGZMeEpwbE5nWE45LTdyUUQzWG9NNnAxTkZfdVJ2NnBvd1R1ZWpTaXgwdUZGS2czdlVIYndYZC1yOVEwaW95aDctYUNXNWFWTml3VDNNWGMwbVpsaDFQNDdlZFg1UDJiWllYdU9tdHJNVA?oc=5) · CUInsight
- 2022-10-04 [Three Credit Unions—That Used to be Six—Announce Completion of Mergers - cutoday.info](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORVVOQ21zUVNjS0oxNnF3bV85UTZXa3l6RGJmWHRIR3dXbUowYzhOUnJUdmE0aVFyNm9DVEpiYkE1TFFoNXNtWDlqRy1uUVI4N2JmLUhQVktJVWVlTG11TFZyRWVGN1hJV1NQOGU3d3l3ZWcxVm1FSnIzZGdtR05vcXd3RDZhaW9Pc1pFRHFXVEVoeThOM3RKeTQ1V3RPZ3RiTUpITTA1cUpkaHM?oc=5) · cutoday.info
- 2018-03-20 [Richard D. "Dick" Adamson Obituary - Wheat Ridge, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTUxYckFKNkZCNmtreVZEb0l0UWc1TDBVS1BnOHktNERpLXR4OGhfUURuZkl0a1lOb2QzOGtPOHhUUHNSWk11ekd1RHo5TDhQdl9oajVQU2xwQVZVakFiLXVpbE96R3ZNVDR0WnVHNFJ2a244UmdGU0xBTW1FeUJBT3pEeXJqY1JPVG42TWxaOE14dw?oc=5) · Dignity Memorial
- 2006-06-28 [Four Arrested For Alleged Credit Union Robbery - KLTV.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPQjdiZllHQWJqdWpaZHZ4LVdTRkp1LWVDbHVwb00xSUU1SWEzWTFFdkx2YUZHN04tSXdOcnIzaENHZjJsT3I1b2FvSGdUeHlXVDBmcjFBSUkwdHVPZm1PY2oyNEFsUjI1THNLRGRhRnhUUEhBZXpFRy1fc3ZGSnh2X29sbmpmbTc1WHfSAZwBQVVfeXFMTjlpRzdSdllKa3IxcEh1MVJsTW44cGhSc3JWLWV6U1Nob0NCUmNtS295cXExQ0xtSF9USzZ1dUktZVJkbktVQ2NuMjZmMktVcWVaSl94dUVnRWRSTW0zSVBXWDd6RHVINUpGRVUxS0FzSW83NzRmVHBmRE9zODNZRVNsdTZFcDlSaWpQdS04NlNKMzFSX1BfN1oxakxX?oc=5) · KLTV.com
- 2022-08-17 [Chantelle Marie Espinoza Obituary (2022) - Brighton, CO - Tabor Funeral Home and Cremation Services - Brighton - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOUl4TmVoMWlEbFJseG96Yk85YlRVSHV4WURCNDFLWFZnNTlsWF9HMF83R1Ewa3NZbXlWYldtZDBjTWJoMGlaWHpZN2lhQS1OVThNWHBYWGFONEMxQUJXdVlCR1p6cVVRSUQxQURNRGd4SXJTenN6ZGh6TXZ1bnZtNUdTdVBPS2RO?oc=5) · legacy.com
- 2012-10-31 [Cop Shooting Suspect Dies in Gun Battle - NBC 7 San Diego](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWHlfZDExYktwZHNJMHpKZ0hqUVFqMkhMT3ZacDJVN3g1cUk4aHJ2SVUyaWhMVU82dkNQQ0xJdXpjTUFHcG5zUDItOHpReTJqcVk0MkNYMFpiVkEzR0o1MXdVaGJsMktjRTFXWWNrVUFvZUhEQjF5dF9MckJYbWZPVWNuNUJwb1NLeG92R0tRUjNKVjjSAZsBQVVfeXFMUEUtSnJCbmc4UE9VbERJZlFfTGV3SlY5LVJ6THVRYUczOUk5TWJpRXFSM3BoMEZ3V2psWjZuMHdsOEx4RFNPZjE3eTF1eURXbkpaWFNCNDhVY2paV2NIb0FGU0RubXdLelZvcFFraklsUFhLMEJydlY3YzBnMFlOUlZaVjlUSnlFUXZPS2oyd05mNnFzMnhBS1l5OG8?oc=5) · NBC 7 San Diego

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7418 (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/58.json (key "7418", 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=7418
- 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