# SALEM VA MEDICAL CENTER
Salem, VA · NCUA charter 1127 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/salem-va-medical-center-1127

Who the members are: federal charter, community charter, organized 1936, low-income designated. 7,764 members of 221,100 potential (3.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $95.6M |
| Members | 7,764 (-2.7% YoY) |
| Full-time staff | 23 |
| Net worth | $12.0M |
| Net worth ratio | 12.6% (p47 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 0.26% (p25 of band) |
| Net charge-offs (annualized) | 0.03% (p23 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 26.3% |
| Borrowings / assets | 0.30% |
| Net interest margin | 3.81% (p57 of band) |
| Operating expense / assets | 4.04% (p67 of band) |
| Vehicles % of loans | 79% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 85% |
| Third-party paper % of net worth | 316% (p98 of band) |
| Vehicle delinquency | 0.29% (p31 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 14% |
| Average share balance | $6,182 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,560 |
| Loans granted, annualized | $28.2M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 6 | losing money, auto monoline |  |
| 2017-06 | 5 |  | losing money |
| 2017-09 | 5 | members leaving | net worth falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | delinquency 2x band |
| 2018-06 | 3 |  | members leaving |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | assets shrinking | thin capital |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 6 | net worth falling, delinquency rising, members leaving, loan book shrinking |  |
| 2020-06 | 6 | thin capital, margin squeeze | delinquency rising, members leaving |
| 2020-09 | 5 |  | loan book shrinking |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 | members leaving | margin squeeze |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | delinquency rising |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | members leaving |
| 2022-12 | 4 | members leaving | delinquency rising |
| 2023-03 | 5 | assets shrinking |  |
| 2023-06 | 3 |  | thin capital, members leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 4 | delinquency rising, assets shrinking |  |
| 2024-12 | 4 | members leaving | delinquency rising |
| 2025-03 | 4 | delinquency rising | assets shrinking |
| 2025-06 | 4 | loan book shrinking | delinquency rising |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | loan book shrinking |
| 2026-03 | 2 |  | members leaving |

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

- 2022-12-01 [John Robert Miller Sr. Obituary Dec 1, 2022 - johnmoakey.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5QNUIxVGs5dFVuV2FfUTRPUVpXWDBoTmlqZVVVM3FIT0RqWnBVOFZtamcxYXhvZjZnZl9uSW9MUXJpVFN2MFROMnJyeE9xSEk5WG80ai1hVE4xSm9GQThkYVVB?oc=5) · johnmoakey.com
- 2018-04-18 [VA and Goodwill partner to ease the commute for southwestern Virginia Veterans - VA News (.gov)](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQd2FhdjBMdGlScF81bXFjN0p5Z0YyOHNIdFB2dS1JWXNiMS1UUmpvZVVHamxJczJQN3Q4emZsOE1Ha0xIOGY0ajJ3RXRCSU9zcjlWcnVhQXowVzB6b21rUkR5RXpuV3Z4VjhrMXlnZjJwcFZvOEMteVJ4d2dGXzA0VFJDdmVMWWZXc1gzcmhOSVZna2NkTkxIWDB3MlM3MktVM0h2dHVzcGQ?oc=5) · VA News (.gov)
- 2024-01-12 [Caron Trumbo left the Roanoke Valley to find a job in biotech. Now she’s an evangelist for its growing biotech sector. - Cardinal News](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOZVBiMDNtMnltVEt6MWRzVEtDb2Q0bFROaHM5alc4Y3pvZndVS3ZOZG5IQkVzLXNqUWU4TFlKaDI0anAxclBLREFVZmFadU55ejhMdkxPd2tTckpHcFlVNlJuTkpZd29UUUF2dFlzRkltQVNQbDk5N3NQWlNiVS0xWDdMOHF6OU5DV0xvV2NfNUNNX2VPOTFCWkhSY1R2bFBOY3lHbzNzZm11cXV2V0VpTUtpN0t1QjBZUm0xYlpjMnZvcXl1em5ueUItOVdLR3ItRXlLa2o5WExiMmU3enA0dFFILXg3Z1E?oc=5) · Cardinal News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1127 (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/39.json (key "1127", 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=1127
- 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