# CONSOLIDATED
PORTLAND, OR · NCUA charter 9292 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consolidated-9292

Who the members are: federal charter, community charter, organized 1954, low-income designated. 38,284 members of 2,607,390 potential (1.5% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *fortress*. 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 | $831.2M |
| Members | 38,284 (11.3% YoY) |
| Full-time staff | 97 |
| Net worth | $124.8M |
| Net worth ratio | 15.0% (p93 of band) |
| ROA (annualized) | 0.88% (p66 of band) |
| Total delinquency | 0.20% (p12 of band) |
| Net charge-offs (annualized) | 0.08% (p8 of band) |
| Loans / shares | 75% (p32 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 2.95% |
| Net interest margin | 3.26% (p35 of band) |
| Operating expense / assets | 2.86% (p18 of band) |
| Vehicles % of loans | 8% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 55% (p38 of band) |
| Vehicle delinquency | 0.51% (p44 of band) |
| Vehicle NCO | 0.50% (p30 of band) |
| Repossessed % of vehicle book | 0.28% (p88 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 11% |
| Average share balance | $8,983 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $50.4M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $30,591 |
| Loans granted, annualized | $125.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $50.4M outstanding purchased (40.4% of net worth), $718,713 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 21.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | 3rd-party paper>100% NW |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | 3rd-party paper>100% NW, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, delinquency rising |  |
| 2021-06 | 2 | 3rd-party paper>100% NW | net worth falling, delinquency rising |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | net worth falling, delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2023-12 | 4 | delinquency rising, assets shrinking | 3rd-party paper>100% NW |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 0 |  | loans>95% of shares, leaning on borrowings |
| 2024-12 | 2 | net worth falling, members leaving |  |
| 2025-03 | 2 | delinquency rising | members leaving |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-03-18 [UP Athletics launches university-branded debit and credit cards - upbeacon.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZk1NSGZobU5MOHlPc05aR1ZSOFBIb3NzQXF2SFNGek01TmlFb19CcVJTRkp4Y2JaU3AxaEhVSmZGd0F4eTRtbHpLOEI2UVNEa1pIUFdDM0I4YVdFT3lpUTdKN1pDeU9jSkVfYkZFN2V5aXZ0VktEd0ZJRy13dUlxa3FKZjh0VFZjMl81eGQzLUdYUndsSWpYMUZPMktCdWk0d19n?oc=5) · upbeacon.com
- 2026-06-02 [How to Consolidate Credit Card Debt: 5 Best Options - NerdWallet](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQMkpVVk1mb2dNeXBsOVpoTEV1TnBBYnBhZzlKcFBtYmxCZExZUDJhSlJlLUJmdWRVOVVPMlNiWl9zTGtodnlzaUI1VUxjR3dBQUdjWEhUXzdueUJYOVNqSFJaS2hzYzB5TzFuOXNxZHdLcmE4d0k2azVZX0JKdTR3VjhuZmpUaDZ2d2gw?oc=5) · NerdWallet
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2026-02-18 [Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – February 18, 2026 - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPUExOOWVkYWxmODJERVdlUlpCOFhXdDFmTXVWdW54TnFhOWZvNUdBWERLVnd3aXR5aFNwaHk1QnVSZVREVzkybjhoemhPYTNhVkZQdFFlelJmS19vQV9ZNWxVVE9SN05mVEtaVDV0b1ZvNHRXazI0TmFLX1c1TFVkNnUxVExBbnFCVWZwLTA0NTJFS3BjRWk5TWRGa3JHRTFxa2JfSm11WC1OdEtEWHZ5Mzc0V1NXSC1mVW5HUUtjTlJ2bGpQOEIwUzlmcGF2dXNoMHFzTnVLeVM3RXBlOXc?oc=5) · Consumer Financial Services Law Monitor
- 2023-10-26 [Monroe Community Credit Union celebrating 70th anniversary - Monroe Evening News](https://news.google.com/rss/articles/CBMivAFBVV95cUxOQlVpb183M3ktaEh0R25wRVlLcmN0d0VUMFNzUGNFRG5OTGxrOXBMdFNmOVlleUk4WUxwV2FzZmpKR2kxMGJubm10cFo3R3IxU0Y0UmJmQ3lSNWhYVEVHUG95RjhhMEVDSWhDRUR1YVpqenZfZ1BKYnJOUXdiMV9vVXBRQUZ1NVJiTGhORFJfMXBPN0NFQ2c1RXNaTmFCMV9lNGZkclNRTV8xQkhKR1JLVW9HWDRIUk0tNDE3Vg?oc=5) · Monroe Evening News
- 2021-02-09 [Portland’s Legacy FCU, Consolidated Community to merge - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkNvVnB3LWY1RHp6MUJZU0hwdHE2ZXY3dmhOeEZKY2hRN2hEU2hHNzhwVVppNUhIQ0ZHNzBnRTRPV19tOUZBd3gwWnNPZHpFY1l1UXk0RUlFVWFINHdxUTJTOTFxSmNMWFNTVFhPOVB5V2hoN19IMHlhQnQwMUtzaXB0ZFktVkwxV3paNDVXeGd6VTZ2dl9ZbWc2V0duR0huUWNV?oc=5) · American Banker
- 2024-02-22 [DiCello Levitt LLP, Ben Crump PLLC, and Tycko & Zavareei LLP File Consolidated Class Action Complaint Against Navy Federal Credit Union Over Systemic Discrimination Against Black, Latino, and Native American Home Loan Applicants - DiCello Levitt](https://news.google.com/rss/articles/CBMivgJBVV95cUxOcnFtaEg4bjd4ZXVQWnFvYUxfSEFwblVIbTZFeFgzM3lCYXdOTFZtdHgtNHc2SXo4cGlLeGdZZmNaU2lUby1IVmtpVlVMVVBfdm5GTlVONXl1NW5QX09lMmM3eVFEakEtbnZ5UzdQXzlrVno2VE5GNzZBQWU2V3Q2Qk5wMTZwaUUxbGdrRTN0dzlOSHJkSXRCY05FZUpibV9VWFFONXo3ZzZPVjhYUzg3cUhxZ0tLQUppWUFqNVFKSk1vbk1uX3RvQ0V1bW5TV1FqUjFPZUhTU0hGeHRfa0d6VUEtdklLWnlqTm9GU1RJR21iUnZwLUREdGtWRzA5dTJTZ3l4RG1tVmYtRnp3bC1IUTBfbDkzZUVsaU9HeGN6eW1DLXdpYXo0Vk9XZWwyYmZnMGhwZ3FZRnFTcnljTEE?oc=5) · DiCello Levitt
- 2024-03-07 [Plaintiffs and intervenors file summary judgment motion in Texas lawsuit challenging CFPB small business data collection rule - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMihwJBVV95cUxOM1drSFpFMXVuZTZDTGtYSzluSzlpMHpKR3lOcmRlbWdSdEtlXzlMMVY4OUZhd2NOdDBXZTl6dUZmVERLRVl0OWg2VHhMYzJyNWFxS2M2S3hiNVoxd0FrMFRqc0VXUURiR016M0VVUkh3c0FQaGd3d2J5dXUwdmpOYldPWEFhUTdOUmp2OWZUVHdtamlKSFQzVDhnX1hiS0NKeHQ1TDRueU9URlVrNHVOTG9hY0JCUWk0S2VRTzc1WmEtVTVFQlc2THZoUGVQX1lmNmRvOUJHVDh6RWhIeUZsV3gwZU5VakhkRTJwT1pxNFFhcXZzb0E2M25Da3N0SEZCREhOLVNhYw?oc=5) · Consumer Finance Monitor

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9292 (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/12.json (key "9292", 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=9292
- 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