# COLORAMO
Grand Junction, CO · NCUA charter 8725 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coloramo-8725

Who the members are: federal charter, community charter, organized 1953, low-income designated. 12,770 members of 150,000 potential (8.5% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $194.7M |
| Members | 12,770 (1.2% YoY) |
| Full-time staff | 39 |
| Net worth | $17.6M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | -0.16% (p7 of band) |
| Total delinquency | 0.97% (p72 of band) |
| Net charge-offs (annualized) | 0.27% (p41 of band) |
| Loans / shares | 79% (p70 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 2.57% |
| Net interest margin | 3.32% (p30 of band) |
| Operating expense / assets | 3.80% (p56 of band) |
| Vehicles % of loans | 36% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 232% (p88 of band) |
| Vehicle delinquency | 1.01% (p71 of band) |
| Vehicle NCO | 0.35% (p40 of band) |
| Repossessed % of vehicle book | 1.99% (p99 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 19% |
| Average share balance | $6,625 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $23,792 |
| Loans granted, annualized | $33.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 2 | net worth falling | repo signal |
| 2017-03 | 4 | delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 | members leaving | auto monoline, net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | repo signal | delinquency rising |
| 2020-03 | 1 |  | repo signal |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 | net worth falling | delinquency rising |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 | thin capital | delinquency rising |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 4 | net worth falling | delinquency 2x band |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 | delinquency 2x band | thin capital |
| 2023-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2024-03 | 3 | thin capital, net worth falling |  |
| 2024-06 | 1 |  | thin capital, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 5 | net worth falling, losing money |  |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 1 |  | delinquency 2x band, delinquency rising, losing money |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 4 | losing money, repo signal |  |

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

- 2020-06-05 [AERO Federal Credit Union announces new President/Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUnZaNHFBa3gyb1hPSFcwZ3NKZnJrR1pnSXB5b1VCU0p5X1BWUmpKWmw4dHgtV0dueVFKZjl2MUhmUGloUG5KVWNDdE5Hc2NzRXBHY0hER0J4UzZoT2U1bTVNa1E5UExOYUpabUE1cktVVEViU2dvV1pWN1NnUTdyejNWMDJyeGNYa2NmdEFZSGx0cUFMYURMbXdYQ3B1Z1JDaXVIVkloNnE4Y2pMYkg1eTFBYUU?oc=5) · CUInsight
- 2023-06-27 [HopeWest founder receives Rotary Club's most prestigious award - The Grand Junction Daily Sentinel](https://news.google.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?oc=5) · The Grand Junction Daily Sentinel
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2024-11-28 [Dorothy May Morrison Obituary Nov 28, 2024 - Brown's Cremation & Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE1SQVczMC1mU0lZam9GZjVzQ1pIYTZ1eWNSc2JMZGxMS1FLUUtnVk9DN0U0VWxUaDVaZ3dCYU9OSTZQbHQ5cXlRN2xobUJhV3FXUnNIUDdBaUYzRVRuN1FCVUFoUV85cUxJTXFkUHVfQlZtWVpR?oc=5) · Brown's Cremation & Funeral Service
- 2018-07-14 [Todd Ball Obituary - Grand Junction, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQN2RDTzZ2XzcyU2x4cl9FNjR2YktzUTNrQ1lwODlMaElGa3UwNmxxZ2x2ay1YakhuT3BwZUszMlpqRTR4S2haV1NQWWtpcTd6eGtNS01LQnhQek5CeTJZcDZBM1hUVV94VTdFbmYxaHNLMlZMV0NtV010Z3RfRndkUlF3NFU?oc=5) · Dignity Memorial
- 2021-10-08 [Marilyn Haller Obituary (2018) - Grand Junction, CO - The Daily Sentinel - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVHZMZnZqVWJYWmN4MmIxa3duNU1KeEExWjdmck85QzcxSzdCOThYS0ZCN2lWNzdkQzBBV25tRU5iNnNYR3UtRWlVcEhQSkdBOU9GdjA5akt2Z1RHOV9reEVLSXZ5VE1yMVF3d3FVMXpaQ21YZ1hYd3dQY1B0TXNyNlBQZmN0RThKd2VjY2ptd0k4UQ?oc=5) · legacy.com
- 2018-07-14 [Micah Montag Obituary - Grand Junction, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTHdZWkhsTWpRNEhsb2c5ZzNESU1DMkhsYXVCa01zM3BRektFUW52b1hjcTlSQjE3ME5aQVJBMVI5djFLYkRCTTdEMjVRMk0yRG5zOHVUUzZueV9tb1JqclNOdDVhSExZLWdrZkc3Z0NHVFNGUDUzVUFUX1hleXpHOE1Uak0xMm1G?oc=5) · Dignity Memorial
- 2022-12-30 [Laurette Macomber Obituary (2022) - Grand Junction, CO - Martin Mortuary - Grand Junction - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdUFPMUxvUzFCaFJqWXdWRE1yWDlqYXJENTdfT2lTNXRFU3F0a3NuM3A0X1dIZFgxQ0dCZXdSNDl6bzJxdVB6LTA1THl1N3NwUFFPbWF4c18xcFpoNlpSTEZCMDJwLUlsM0ptY3pLUHppM0VRUFFCVmdoU0V6S01fdlViT0dzdnc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8725 (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/21.json (key "8725", 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=8725
- 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