# RAVENSWOOD
RAVENSWOOD, WV · NCUA charter 13321 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ravenswood-13321

Who the members are: federal charter, community charter, organized 1959, low-income designated. 5,443 members of 35,000 potential (15.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $51.3M |
| Members | 5,443 (0.8% YoY) |
| Full-time staff | 15 |
| Net worth | $4.5M |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | 0.22% (p23 of band) |
| Total delinquency | 2.37% (p96 of band) |
| Net charge-offs (annualized) | 0.17% (p41 of band) |
| Loans / shares | 38% (p11 of band) |
| Cash / assets | 60.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p24 of band) |
| Operating expense / assets | 3.62% (p53 of band) |
| Vehicles % of loans | 48% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.28% (p92 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.19% (p90 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 21% |
| Average share balance | $5,224 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,621 |
| Loans granted, annualized | $5.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | charge-offs p90 |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 | members leaving, loan book shrinking | losing money, charge-offs p90 |
| 2017-06 | 4 | net worth falling | repo signal, members leaving |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 | delinquency rising | loan book shrinking |
| 2018-03 | 3 | net worth falling | delinquency rising |
| 2018-06 | 2 |  | delinquency 2x band |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | losing money |  |
| 2019-06 | 2 | delinquency 2x band | losing money |
| 2019-09 | 2 | assets shrinking | delinquency 2x band |
| 2019-12 | 2 | delinquency 2x band | assets shrinking |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | net worth falling, losing money, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, losing money, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | net worth falling | delinquency 2x band |
| 2022-03 | 4 | losing money, delinquency 2x band |  |
| 2022-06 | 2 |  | auto monoline, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 0 |  | losing money, delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | margin squeeze, delinquency 2x band |  |
| 2024-03 | 4 | net worth falling, delinquency rising, assets shrinking | margin squeeze |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 2 | net worth falling, delinquency 2x band |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 4 | thin capital, net worth falling |  |

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

- 2026-05-20 [Ravenswood seniors receive scholarships and awards - WV News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPbW1NSjBOMjI2QWQxQVNaelZKdl9xWUFBUGpJeFo2UEVhVlB6TVFjbEZ2aHVpbTFMd2ozczB1RzNIYVNSV0hfRzdPdENKR21ZMkZ4QVlpVHFrVjhmczFLSHAzT2ZGaldnbnoyM25UMDJhOUtPTElRUmo4TjNOUHBrWWprR0xlcUxDdG9oSEQ1RmJWNWtsbkQ3Q0VsTUVpZHJlamMzRkc5ZUdwU3RNUlFubzE4aTc0YlRxbGNyR1MwRHVmNVpGTXdHQXZQbXFaWmhF?oc=5) · WV News
- 2007-08-15 [Conrad Fourney Obituary (2007) - Boise, ID - Idaho Statesman - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdTJ4WTRENHhhSWRaRzFvRktfY05JM1FwNDlNVWNObVRtaERXd0pKbERBQUxtVkpnLUlrM3d3OU1ia2hfbXAxcU4zX2FGbVYwOEVZTGhSWWw5R1ZTcGt0bXlDSmwtVWs2aWtuN3QtbjVNaVFQLTdPbFJZbHJYWURISkk1TDBQOF82cTFlem1md3c1YzUyamp3?oc=5) · legacy.com
- 2011-01-22 [Philip Baker Obituary - Hampton, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1OV0p3WkpOdTRCRlJrQ0cxengzeVROcmdlS0ZaZGtJS2ZuSFpNa2c0TTFMckZjQXNFQVVpa2I0QV84dlR0dHdwMWxNRnVaTlIzVV9lX0tfRGdxSzZKTmkxcGpjb2FCQS04VzBPY3lZVkhmZ1N6Q3hHeUltTmdpVVE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13321 (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/9.json (key "13321", 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=13321
- 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