# ABNB
Chesapeake, VA · NCUA charter 13605 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abnb-13605

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 75,639 members of 1,078,600 potential (7.0% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $947.8M |
| Members | 75,639 (-1.1% YoY) |
| Full-time staff | 224 |
| Net worth | $72.4M |
| Net worth ratio | 7.6% (p5 of band) |
| ROA (annualized) | -0.07% (p5 of band) |
| Total delinquency | 0.63% (p54 of band) |
| Net charge-offs (annualized) | 1.63% (p96 of band) |
| Loans / shares | 90% (p78 of band) |
| Cash / assets | 3.0% |
| Borrowings / assets | 4.22% |
| Net interest margin | 3.62% (p64 of band) |
| Operating expense / assets | 4.67% (p90 of band) |
| Vehicles % of loans | 21% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 142% (p60 of band) |
| Vehicle delinquency | 1.68% (p93 of band) |
| Vehicle NCO | 4.24% (p99 of band) |
| Repossessed % of vehicle book | 0.02% (p41 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 159% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 30% |
| Average share balance | $4,924 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.5M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $27,253 |
| Loans granted, annualized | $62.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.5M outstanding purchased (24.1% of net worth), $2.7M sold and retained. Sold in 3 and bought in 4 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | losing money |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 2 |  | expense trap |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | net worth falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | thin capital, net worth falling | charge-offs p90 |
| 2019-09 | 6 | losing money, loans>95% of shares, leaning on borrowings |  |
| 2019-12 | 6 | charge-offs p90 | losing money |
| 2020-03 | 8 | losing money, delinquency rising |  |
| 2020-06 | 5 |  | loans>95% of shares, losing money, delinquency rising |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 5 | expense trap, margin squeeze | leaning on borrowings |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 3 |  | expense trap |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | expense trap, delinquency 2x band |  |
| 2022-06 | 3 |  | expense trap, delinquency 2x band |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 3 |  | leaning on borrowings |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling, losing money | charge-offs p90 |
| 2024-06 | 3 | members leaving | net worth falling, losing money |
| 2024-09 | 5 | expense trap, assets shrinking |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 | charge-offs p90 | expense trap, assets shrinking |
| 2025-06 | 5 | net worth falling, loans>95% of shares, leaning on borrowings | members leaving, charge-offs p90 |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | loans>95% of shares |
| 2026-03 | 5 | losing money, expense trap, charge-offs p90 | net worth falling, leaning on borrowings |

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

- 2026-02-17 [ABNB Federal Credit Union to Acquire Two North Carolina Bank Branches - CUTimes](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeHl5TkJKa3pxQzNadE1fcHVFRFNkRkRCSU1CREdSdTAzRTVuQlJUTzZ3SkZZNUpUaGNJcUotOWo0Vl9fZHcwX0VSOWxoM0VNcEI1bUlkaWUtOGtvNVRvS2VNVzQ0Y2VlS0psSWo5SVRKaGtyRmJwdmhob092NkFrUERMcG1fQTM5LXFPakNiNUJpNEU2MXBBTEdrYTdldnFxRzFiVzZXdGo?oc=5) · CUTimes
- 2025-03-11 [How a Virginia credit union got onboard with sending real-time payments - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcnIxZjZNcEtad3F6M2oyQW1VMG03djNWQkhndEtJVUgwOW5idWNTNURRb2pKcGQ4LVo2cFZGbExNbFE2OXlEZmZva3p3X2dCaTNxdDItRXNpS3ZhWmRScnYtSTU1SEJvaWNMbHZiSlVpb19idTN3Z2U1Y1hkZVAzY1IwYk51UVQ3S1NBQU5SR29ZR0hpTnE2eWVJcmRnX280Zk1J?oc=5) · American Banker
- 2025-08-13 [ABNB Federal Credit Union Selects Upstart for Personal Loans - Business Wire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOX0cwenV1bnFzTlJJdXNNME1vX0ZGYXZzaWtCeVQzNlh2dnNjWjN2RFFNeVVKWDEzR01rU3N1Um9JYjFkbEhLMFBsU0pNWG1xbVhIck1BZHBrUHdxWTd3bmp1RjdETGZ5QmhDUTF1ZTZ3TlJlRnV5QUJZME9WYjJlbWVsV3NnUk5UZmlwRFlORXFJSmhqbk1FcmxicGhBekNQMWNnUjhCeE5fbWpEZVdKVnU3ZFY0ZWtf?oc=5) · Business Wire
- 2024-03-25 [ABNB Credit Union opens new branch at Tanglewood Pavilions - dailyadvance.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOUVd4SU5vams0eTNiUG9GRkU2elNoVWZvcGJqWVc2eEYwUUNFVjZPZ0FpYUdmQ1pTUkNDNTl3ZnJxazJpTjZLMDd0b2Y4RFFVdG9RUVpSU3JyMTN6QW1KLUx4QkRMRm5nd0E5X2xNVF9ucF9YQkN1NWVoNGZlRHRsWnZyVVBZSmdPeUxpU2tSUXg0N2tmUmJFcFN6M1VtdnhuN3BOaS1EMVRJaHFPd1h0dFN1TGdCUmZhY2tYNFpJd3dMSWdobWd0TVF3XzQ3X19BVUxJbHhxdVVJMU9yWWYtWmtn?oc=5) · dailyadvance.com
- 2024-06-17 [ABNB hires Victor Hall as Senior VP & Chief Experience Officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxQRHowLTVsdkE2cnZXOHBNNFVHNllnNXFMLUsyM2l6bDM4Rlo2WGxLWm1zUlp3YUNtWVpQREEyYXNHbUdud3BPLXJ5RGJ2Z0gzdGtGTGlhdHZjOXZzd1oxdTUzYnVTYnNuX200ektMMTdHYW1uY05rMl9IX1RBcVNOMnQyZUJRaHFpR3NkOGc5SG9HOHFsSElNX0xVXzZTOTNlMnRR?oc=5) · CUInsight
- 2019-08-01 [Suspect robs ABNB Federal Credit Union in Suffolk - WAVY.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQekJlWXJrdjhOVVFPUHhmT1htUGo0RnJGWFVWNDM3NXRjYVNvOEJ0MTBSdlBIZlFpUUN6R0dKQmFuWjZVellabGNMMHBhNFozb2NwZG1TTEdzVXVkd0kzRW14RHlKeWxGc1I0a0E3LXAxcWVhM3kzX2JNcVhXTGFEZ2lvaWo2VFlTTnlsZFVJaFBMTlNJN2lHaFN0WdIBoAFBVV95cUxPVm8ta1JBS2syejBjU1hJZjF1TzJpMnk0eVRWRHVHdmJoX2ZxZTFIaTUtYjJ1M0JTb0ltVFpJOXhkdHVweUtIaXFRdUJxcTRCVDVMYWZnbHN5aG12V3F2ZEZSVVBmZWRmZkltREdGLWY3UHpxTm1XTktmN0x4TTdHTG9NTTRoN1ZqU3dGMWd3ODA5ZXZaUl93Sk5IZ0I3NlNp?oc=5) · WAVY.com
- 2026-03-03 [Norfolk police seek suspect in Wards Corner bank robbery - 13newsnow.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNOGthY1pTNzdLOFF0MWpjd01ocXdmUzVnQXVQck8xODEza18tMkc4TERTeHExSE5JNWpMdk5KUVJNQnpxNHF0MDV3S3pnRl9jZ25TaHg3eV9sUDhHemlWc09qaHRfM2MyRmhsc0lLdHFfcDV6VHFRMEowZmxJQjNTVFc3SkZJeUozTndyQmE3dDZJcF9OdzRzeS1VTDQxVmRTOVotTHZtNnU4Q1VLdWl5MWNCdjhfU3dPZ1hEZ1pYVERhN3haOGpaTDhXZUJDclBPVDRnR3VHUm10OWExMi1UdDZNaGE?oc=5) · 13newsnow.com
- 2020-08-26 [Small Catholic credit union in Virginia merges into ABNB FCU - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxPcHBwUHJwV0c1Uy1PS2l0bmlwSmI1Mk1wdTc2Nmk5UFY4U2k0UjU5U1NuaUxhdVBOeThIYXpyVjdYajNicF93cUdPWlAzMGp3Ukp4ZWpESXdlU0Q2SktPWFBkWllqdnpKaU1JbHM4VnNhQURUODdsZmtDV1FIRWttSE1LdW93bTNZeTlkSEVGQkc0U1otNF9GeHZNMENjZm9DamRBakx4UUR0ekRkU1E?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13605 (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/37.json (key "13605", 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=13605
- 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