# ELECTRICAL
ARVADA, CO · NCUA charter 8701 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/electrical-8701

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 4,063 members of 10,158 potential (40.0% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $53.2M |
| Members | 4,063 (2.0% YoY) |
| Full-time staff | 7 |
| Net worth | $7.0M |
| Net worth ratio | 13.1% (p53 of band) |
| ROA (annualized) | 0.93% (p64 of band) |
| Total delinquency | 0.52% (p44 of band) |
| Net charge-offs (annualized) | 0.38% (p62 of band) |
| Loans / shares | 54% (p38 of band) |
| Cash / assets | 45.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p38 of band) |
| Operating expense / assets | 3.10% (p34 of band) |
| Vehicles % of loans | 35% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.04% (p70 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 16% |
| Average share balance | $6,863 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $29,175 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $13,016 |
| Loans granted, annualized | $10.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $29,175 outstanding purchased (0.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 4.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 2 | delinquency 2x band, delinquency rising | thin capital |
| 2018-03 | 2 | thin capital | delinquency rising |
| 2018-06 | 2 | members leaving | thin capital |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 1 |  | members leaving, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money, charge-offs p90 | delinquency 2x band |
| 2020-06 | 3 | margin squeeze, delinquency 2x band | losing money |
| 2020-09 | 2 |  | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | assets shrinking | delinquency 2x band |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency 2x band |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 | delinquency rising | delinquency 2x band |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 1 | members leaving | delinquency rising, delinquency 2x band |
| 2025-03 | 0 |  | members leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-08-27 [Who made the cut? Dayton's 25 Fastest-Growing Companies revealed - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZi1WeEJXRnZnbDFudFJ5TFFSNUNKY3FjMnBrbGU1b0t2TE9QMWM2WVZoRGV0SzNTYnhpUENhRTA1OFMtekpoZElWRWF1eTRUNkM0SlhhTWVpQUJsUF9BVWEzYkZmWmJiX1hEYm9XajlfMFpEUGxWUE51TWR2Y1VfUmpFeXloMVNyNDRaNE1WMVFOblFicWg0akdjUGtSdTg?oc=5) · The Business Journals
- 2026-08-04 [Candidate: Trent Maier - The Spokesman-Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSmNmMzJJYWhLRzl3UFh4OXdVbjUwdFJwWEpjVUJOQU9ya01SekI0NDRRTUlTZjV0em1ST2tFQzJ2YXZXTHpsS010ODZpWllxbzRuXzhHVUJENFRtQ1NFU05xdDJDSl9OcnZhVkozbzhPZUd5MF9GZlBxamp4Q1pmV0hBTGh6R1ZJbXYxa013dUQtT2ZQMGx1Z2ZiRk1PT1U?oc=5) · The Spokesman-Review
- 2026-07-06 [Bedford Credit Union rebrands and launches new online banking app - Bedford Independent](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVEVtZzNrSFR5YS04V1BHcUdIOWxvSlM0aE9qLUkxbWNaM2s4ZkJTVnk2N1lKUGthQlhRVXRUTUVna241alZvSXUxcHdYMVZoUWl4WU1VT3V2ZHA5bGw5V2lFcEl0NVl3d3kwNHpjQk1GTG05c0p6YVpfUzFsSm1KOXRGM0lvaGJ6NFN1aENfSGFvVmJvby1LMndaVXZBQnpuek96WEtB?oc=5) · Bedford Independent
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-09-29 [Family Left Homeless After Electrical Fire In Westfield - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxNdEVMc09oZ3ota3RzTDJZNVFKS3dKZWFaTFdMREloRFdTcHFBNF9ES2JzTThsWlV0bG9hMW9jcEN0a0lvV3VCMnF5QzRsVWZsN184MzE0WGRaLXh4azQxY01lVUhIaUR2Uzd3R3c0WVBSLWlfYU5tZm9nMWFreUNnQmRuNVBuSk0?oc=5) · Patch
- 2023-01-11 [DFI appoints new director of credit unions - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMidkFVX3lxTE1BVVJsakxSZUZvb1F2azQ2M1FUQWRwcTZUS2tNZVE1bU9veFNYTjFBSHpkdmRyQmF0YWxnbC1rWHZFWHZ0eG5hRTFnUUtsd2d2MzVYZlotWXI3a3VwWnNwVmJ5ZTA5SlI3aGdnalZPLXpGbGZSMVE?oc=5) · Point/Plover Metro Wire
- 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
- 2026-06-06 [The County Federal Credit Union awards scholarships - thecounty.me](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZHUwWFkwdFhRT2Z6NF9ONFA0TjRQRVVjTVVuU2lIaVdJWDV0WmhiMXlnUjJwbEN5X3VnckNpcFlEU2NDUHktaUJId3VjR2hWUVZZc3pfTnNHT1dKV2NxeERoZjJEUW1jY1dHRHJEbXBIWFFObVQ3UlJMalBqbXVjRFNsYkxUSWRPb0xIa2JXT0NKLVVadExlRVlid1ltLTZi?oc=5) · thecounty.me

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8701 (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/61.json (key "8701", 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=8701
- 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