# BOULDER DAM
BOULDER CITY, NV · NCUA charter 96084 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/boulder-dam-96084

Who the members are: state charter, organized 1940. 19,909 members of 25,000 potential (79.6% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $865.0M |
| Members | 19,909 (-1.1% YoY) |
| Full-time staff | 47 |
| Net worth | $125.6M |
| Net worth ratio | 14.5% (p91 of band) |
| ROA (annualized) | 1.37% (p85 of band) |
| Total delinquency | 0.21% (p13 of band) |
| Net charge-offs (annualized) | 0.01% (p1 of band) |
| Loans / shares | 48% (p5 of band) |
| Cash / assets | 12.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p12 of band) |
| Operating expense / assets | 1.57% (p2 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.00% (p0 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 86% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 0% |
| Average share balance | $18,965 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $62,286 |
| Loans granted, annualized | $81.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, losing money, margin squeeze |  |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 | loan book shrinking | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 | delinquency rising | loan book shrinking, net worth falling |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 | margin squeeze | assets shrinking, delinquency rising |
| 2024-06 | 0 |  | margin squeeze |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-04-03 [AAUW Hosts Wine and Chocolate Tasting April 18 - BoulderCity.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQN2RDcGMtOHpWUzRZYTNpVjlsb1hTdnYxdjlYWWM1aFphVE5JN1N5eGM0YmhpVnoxQ1J3ckdHYXYzVmt0bG83dEpCLWdpTmZfTzFTaXdhRmNIdnR3SW1aTUZ0Y181eUV1blVGZEZOQVp2a2Fweld4R2ZUamt6NVpPcg?oc=5) · BoulderCity.com
- 2026-04-19 [Sixth Annual Garden Tour April 25 - BoulderCity.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5HSDVkSGE5R1ZLS2ZVbm5XcVhrYnFnYjl4UGVkajd4TFI2NVRBVFRvcGRRRkFEVmRDalB0aTFNV2VkMmJKbE9YRm56VDVZeUQxQU1hS0tJVHFEeExCNmUzWjRJekhiMkhURUV2M3Z2bw?oc=5) · BoulderCity.com
- 2024-03-21 [BDCU looks back on past year at annual meeting - Boulder City Review](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMUtfNkotdi1PcXJPdTE3Uk9WbXkzeEZrMWdPMnVVNTNpcEpTZ3g2SnA4cXFnRVNLemxZNG1wN2ZjczBYanlBelI5RjNhYm5jWUZUY2o4RWtuOUtCTVNSeVhsZUZOYl80MlFaTzFJa1hCT0ptN0d4TTV1UllGelRCZ3UxaW9qOWthZHcxRmxuUllRUQ?oc=5) · Boulder City Review
- 2026-05-20 [Fly Your Flags Over the Dam Run 2026 - BoulderCity.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5mald0RmZCYUZ5bmZNVVFiaTItQ3RsWHpNdklrRDF0MlJXUzZYMnowZnllSVI1eDVMMG8tR04waGF4eGtsZ3VfaEJCWHpmdVRLdjFyQ19jNkx1ZGd6WXYzc1cxM2s5bXFDRmJpLXQzSUxfSEE?oc=5) · BoulderCity.com
- 2025-03-13 [BDCU celebrates 85 years of service - Boulder City Review](https://news.google.com/rss/articles/CBMigwFBVV95cUxPekVYVDU4NGpEZnpHYXJOWEZkeXpkREdQQXcyMXZOZ0MxWGpxSFBReHpad3NYUWdmU1VRc3otbVdjclNZZ1RIVGcyYWtNZ1BnQWtzZU91MUpNWXZBbEl6YzBBamZVd1RBaDFMdnFMcTBlQVBpUkZuTGowSDRITXpKa1o3cw?oc=5) · Boulder City Review
- 2026-07-03 [Damboree Events for Independence Day 2026 - BoulderCity.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9aQjBCdWU2cHQ4ZWRlUDNVUk5ZYzVyenJkQzdBXzR3UnV3b3ZGX3lrN05vWFN2VFAwV2stNWNVN2ttUmhIRWNyMndZQTR6MDZmSEJwcWFvYU5oT2ptRU1VSFFtQmtvekxCZ29lcHdTb1BCRndQT1VuVFFB?oc=5) · BoulderCity.com
- 2025-09-05 [Clift honored for her 50 years at BDCU - Boulder City Review](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNTR4eVUzTXkzSTFZenBCYmY4WDc5RmwzWUxPRzhYdUZ1TF9vV2dSZVdVdjNHUllhbURISE9wNVZnaGpwQ2RhNEpjbFRweW9YWnNvRUR5UlhIM2hPTTJKbXB2cTdlUGEtaDRENXlWTFdRUjNwdVhTbFBEUFlQTkFHRHhfTjlXeDds?oc=5) · Boulder City Review
- 2026-01-02 [2026 Dam Short Film Festival Tickets on Sale Now - BoulderCity.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOamRnOHh4LW1sWHRHWHkycC13U29KOTBuZWNwMHd0Y08zS1Z4bmNwa204YW96UnpERHJCdE1SRXNLb25DZDlJeE1BbFpkOThvUUVpQTZ1MjVFZzh5ckZiWHpUV1hOMFN4NUVLbE9qVjJvN19CcEkyRjZJV2dTc2ozWm8wRQ?oc=5) · BoulderCity.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96084 (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/20.json (key "96084", 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=96084
- 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