# BRUNSWICK COUNTY TEACHERS
Lawrenceville, VA · NCUA charter 10636 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brunswick-county-teachers-10636

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated, minority depository institution. 271 members of 750 potential (36.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $469,008 |
| Members | 271 (-3.6% YoY) |
| Full-time staff | 0 |
| Net worth | $191,440 |
| Net worth ratio | 40.8% (p97 of band) |
| ROA (annualized) | -1.12% (p9 of band) |
| Total delinquency | 0.85% (p58 of band) |
| Net charge-offs (annualized) | 6.99% (p98 of band) |
| Loans / shares | 107% (p98 of band) |
| Cash / assets | 35.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 10.09% (p100 of band) |
| Operating expense / assets | 12.01% (p98 of band) |
| Vehicles % of loans | 30% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 67% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,012 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $1,933 |
| Loans granted, annualized | $118,700 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 6 | losing money, margin squeeze, assets shrinking, loan book shrinking | charge-offs p90 |
| 2017-06 | 6 | charge-offs p90 | margin squeeze |
| 2017-09 | 7 | net worth falling, margin squeeze | loan book shrinking |
| 2017-12 | 4 |  | charge-offs p90, net worth falling, margin squeeze |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | delinquency rising | assets shrinking |
| 2018-09 | 5 | assets shrinking |  |
| 2018-12 | 4 | charge-offs p90 | losing money, assets shrinking |
| 2019-03 | 5 | losing money, assets shrinking | delinquency rising |
| 2019-06 | 5 | delinquency rising | charge-offs p90 |
| 2019-09 | 3 |  | losing money, delinquency rising |
| 2019-12 | 4 | loans>95% of shares |  |
| 2020-03 | 5 | delinquency rising, members leaving | assets shrinking |
| 2020-06 | 3 |  | delinquency rising, members leaving |
| 2020-09 | 5 | charge-offs p90, assets shrinking |  |
| 2020-12 | 4 |  | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band | charge-offs p90 |
| 2021-06 | 5 | members leaving |  |
| 2021-09 | 4 | charge-offs p90 | assets shrinking, delinquency 2x band |
| 2021-12 | 6 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 4 |  | members leaving, charge-offs p90 |
| 2022-06 | 7 | margin squeeze, charge-offs p90, loan book shrinking |  |
| 2022-09 | 7 | losing money, assets shrinking | delinquency 2x band, margin squeeze |
| 2022-12 | 7 | net worth falling | delinquency rising |
| 2023-03 | 5 | members leaving | loan book shrinking, losing money, net worth falling |
| 2023-06 | 5 | delinquency 2x band | assets shrinking |
| 2023-09 | 4 | delinquency rising | loans>95% of shares, charge-offs p90 |
| 2023-12 | 6 | charge-offs p90, loans>95% of shares |  |
| 2024-03 | 4 |  | members leaving, charge-offs p90 |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | charge-offs p90 | delinquency rising |
| 2024-12 | 6 | assets shrinking, members leaving |  |
| 2025-03 | 5 | losing money | loans>95% of shares, assets shrinking |
| 2025-06 | 8 | assets shrinking, loan book shrinking, loans>95% of shares |  |
| 2025-09 | 6 |  | losing money, loan book shrinking |
| 2025-12 | 4 | margin squeeze | delinquency 2x band, members leaving, assets shrinking |
| 2026-03 | 6 | losing money, assets shrinking, members leaving | margin squeeze |

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

- 2025-11-20 [Edna Packer Obituary (2025) - Lawrenceville, VA - Richmond Times-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYnNTbFZkWXFvNzVnelZZQ1AwVk56MG5PNzBWdHUwVGhYZzhaa21GMGhMbi1uMlZVY3hoYllTdnU1bGxrXzNHRUtKeTdYSkdQNHY3UWJZb2F2YXREMDAzd0prUTliSW96andLMHgwTXRQQ19xOUxVLWFtMFJJSmQ2QWFQZVF0N3VOa3dtTlhVbVJYZw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10636 (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 "10636", 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=10636
- 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