# APPLE
Fairfax, VA · NCUA charter 11307 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/apple-11307

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 267,466 members of 2,437,936 potential (11.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. 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 | $5.62B |
| Members | 267,466 (-0.3% YoY) |
| Full-time staff | 577 |
| Net worth | $608.6M |
| Net worth ratio | 10.8% (p54 of band) |
| ROA (annualized) | 1.95% (p99 of band) |
| Total delinquency | 0.50% (p38 of band) |
| Net charge-offs (annualized) | 0.56% (p56 of band) |
| Loans / shares | 71% (p17 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 6.19% |
| Net interest margin | 2.78% (p17 of band) |
| Operating expense / assets | 2.54% (p18 of band) |
| Vehicles % of loans | 21% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 58% (p26 of band) |
| Vehicle delinquency | 0.44% (p31 of band) |
| Vehicle NCO | 0.64% (p27 of band) |
| Repossessed % of vehicle book | 0.19% (p80 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 93% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 40% |
| Average share balance | $7,680 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $52.3M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $19,190 |
| Loans granted, annualized | $597.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $52.3M outstanding purchased (8.6% of net worth), $5.9M sold and retained. Sold in 2 and bought in 2 of the last 8 quarters. Shares 7.8% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans>95% of shares |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | net worth falling | loans>95% of shares |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 1 |  | loans>95% of shares |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | members leaving |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | members leaving |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-07-29 [Apple Federal Credit Union becomes first financial institution on the East Coast to accept Virginia Mobile ID - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPTWh2RjRGdS15MFN6Nm1XV1pJS0Z5N2R4bnh4QXZRekxmYmJiSnhhZGdKMWdILVNFYXBpeElNbGRwOUVFbFg5cmthWE5FVXJwY2h0MzMwUk1EejJEYlBUczRITFRaTzIzaWNjSUhmQV84Q2NWTFN4ZkpvYTV3SkxnN3hyZDFfcDJTUUVfT2w5Y0Rmc014VGtRdWdCYkhWWTZ4N2NxVkY0MHBoc29sSDFzMVd3cTFSVktMS1JROE5RejV4Z2pqOWpSVXU1cGxEeXVVUDlQS2JqRFlMQTBFM3JVdFhCX3g?oc=5) · CUInsight
- 2026-07-29 [Apple FCU First to Accept Virginia Mobile ID - Potomac Local News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSVRCY3Bkc04yWl9oWUFacTJhNDJMZTh1ME16elN4QjZQSE9kMFotVW1HOUx0Y0tqSVNMQXp0S3NUemtNWW05UU8yNTc5YkJJWlhQemNrQ0prUXZ6Tnc0OGd2TWlMbHExRW4xakctSXA0aTlmQVVqUW16a05NNU9xSzRyeW0zRmgtcDZROW13?oc=5) · Potomac Local News
- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info
- 2025-11-17 [$175K stolen from Fairfax County ATM in 'jackpotting scheme' - WJLA](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPVEpGM19lbWpuQlQ2WFdUandNWkktMjZLT2hMQ0FycFpZbW1uaFRvdVF6NVNfVDNRSThaRF8xNTNETlRqMVRJX1Z5OUVwWGRXbHRnaWwxNjUxVU1IdEhvS2Rud05lc28xQ1AzWUNDZ3MxZk1FMkVyTTdaVG1mY2twOTB0Z2VaRVBEa3VsdjV0eVFETEFkUmlYZ2owX1dteWpHZnN5WGVKNDVhUE9DLWVNaE5iWDJXekNMdHgwWUR0U1hNdVJrTm5Wci1GbDNOTUEzV0JvODFKamM4bTZocHVfVUNSeGk?oc=5) · WJLA
- 2025-11-17 [$175K stolen from Virginia ATM in jackpotting hack: police - FOX 5 DC](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPU0hLeEJTcEM4d3JXQmRYMVRfSFVvX29TSWQxQjhxZjR3UzJJbUpqaHdtTjZKRjZEOGpCb1dhMVVLOHdBYno5U1hKNFJwaTVCb0h0OVFOT05uUlc3bk1xWGZkaUxyZ21scVRDY0JqaG1aeVI2b3ppLW10RjMzczVaYkMzXzNpLXZ10gGOAUFVX3lxTE9WX29nMDFhSU90RldCQ0hBbnZHTV9zb2xOTUxZZDF6ZWgtX2QzZmdUWFNFcjQ0b0hfalNZWGgtMjNtQ1BIdU9BenEtRWZDOTY3UFBSbDdLcHdIWVRuSGlWOVo1a0h0c0RFOU42a2duN2pIY081QjJRSkZjMXZ2aXlCWmFmNkFhVEVrTi1QakE?oc=5) · FOX 5 DC
- 2025-11-17 [Detectives Ask for the Public’s Help Identifying ATM Jackpotting Suspects - Fairfax County Police Department News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNG9HRlpMRGhrT2c5RThwZjF2TjVJNUd4NnN0cE01SER0NGVhWm9zdjJEdWRtX3lNWUlJUXBZRGplT2Nhd2RGX2lIYUlEeElrZng0TWNYRlA4N2tSX29NQWpQRjlvTG11c3ZoUVlMeTFtS2RyVER5cDBJUENXRWdSclJHeWV6VlhnNHdBenVXbkg4cVJfMWNIQXVZcVR1UUpjV3VINE93UDM?oc=5) · Fairfax County Police Department News
- 2026-01-22 [This CD is still paying 6% — and 4 more paying 5% APY and up - MarketWatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdFdzMlpFLW1EZllHSm1XSGk3Zm0zdmd4cHJ0aVhtTlU3dlNiaTNnQ1lPR3V0WUJzTjNlUWVoQjg3NHhmd3c1eFZTNXQ1OERaUFY5QXdxOWlnX1I1RWJGSUZtUzhHSnJQTE5BX2lKbzM0OGplQTNvbVZkZzdXclZ4SVFndHNfR0NUV2dRMkNkSWNQT2RvaGtzRFo0dkxlc3g3?oc=5) · MarketWatch
- 2025-11-17 [ATM jackpotting: Fairfax Co. police say $175,000 stolen from credit union ATM over several hours - wtop.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQSHJyai1jakpfSXp0WDNjVW5BQVhzNGlNeWtFVDMyYjRtT3lmaEp5YXB6MGt1UkIxczM1enk3cU9vdHhsa0xFRDkyWGxfQVRtRGJJSER2VEhMZDh6MjZ2RW54RHNpQXRRU25XOHhGSE0tSUEteGtYemFRWmJaR3VjRnM0eWJGWDFxUXhMczNxMkFqZTVaZDlkVVBqcE1vQm5mR3BMOEVTbU9NT3NhWkVGR1d0SHJqWWlIdkxheHFMNUdBeDJnQnc?oc=5) · wtop.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11307 (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/43.json (key "11307", 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=11307
- 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