# RYDER SYSTEM
MIAMI, FL · NCUA charter 13652 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ryder-system-13652

Who the members are: federal charter, service (single sponsor), organized 1949. 5,264 members of 29,097 potential (18.1% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $39.4M |
| Members | 5,264 (– YoY) |
| Full-time staff | 18 |
| Net worth | $5.1M |
| Net worth ratio | 13.0% (p53 of band) |
| ROA (annualized) | -12.95% (p0 of band) |
| Total delinquency | 0.37% (p31 of band) |
| Net charge-offs (annualized) | 0.08% (p36 of band) |
| Loans / shares | 53% (p44 of band) |
| Cash / assets | 22.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | -8.48% (p0 of band) |
| Operating expense / assets | 5.03% (p85 of band) |
| Vehicles % of loans | 18% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.24% (p68 of band) |
| Vehicle NCO | 0.22% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 10% |
| Average share balance | $4,145 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $16,532 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |

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

- 2023-06-17 [Ryder System COBRA $390K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMivgFBVV95cUxONkg4WE82enl1TDhrMmZZa2dmV29TeTFJaThEYnFmOW9PeDRLYnVwSTBaTGE1RXdKNVctazZBT3M2OTBBbE5zY3BXazlLN3VuM3V6NU5pMzN1ZWVZTFRpQVdCX085RHBjd1VlNFY1b2dLdXB3c2lFZldhUTViQlJvdkczblFCNUJOWW9NcHE3VnVyaElmU0xXMTZUTlN3WjhDd082enNXMFhnNXE1a2NhZUlHd1VtbEpiQ2hWb2tn?oc=5) · Top Class Actions
- 2022-11-01 [Power Financial Credit Union Helps Members Improve Credit With Second-Chance Products - BadCredit.org](https://news.google.com/rss/articles/CBMimgFBVV95cUxQdXprU0UzNGZOZVJTLUh4ZEdFdEwzdjhiajU2dGNQRFRJNWNka2w4RWp0LV9ySVVHTE9GSm4wdmhuSnNGODhTd3plbVhEazFfYjlUbWJGZEpsSE83ekltb3NQUG5EekE2V1NBN3BHTU9Oc0pzWUE3b3BqOUJQcVRZNmxwR2xLazQzMWJpR2g3TnhXRkItVVhyZVh30gGfAUFVX3lxTE50SlRHLTdDMmQ2SlRjdDBGV04xRmhoVHVxdGMwRTBLaFZjYU40UFl5WmZ4dHAyRnZzNk1xMnkyWkRlUThtdENzTFVPMVZFaVZDQ3RPZ1VGaTFFUkc3UEpHbzctelJBam9tbnJwLTV6NXRQSWhMUW9tQ3JuaFFUQ0U3eEw5MWNFc0ZEX0FaRGhkRW9ZSGN1LWtSUDRUd3djbw?oc=5) · BadCredit.org
- 2021-07-28 [Achievement Centers for Children & Families Receives Grant from Power Financial Credit Union - The Boca Raton Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOM1hyMmRNbmtVcS16bFBFSGdBUlBwWFktYWRoNHJscDFxdHRYN2plWkw3eUt5dWtUS3NZZjZHNm5oV0dZbXRSS0hWMlpMVW5LcUF2eDJudEdmMDJhTFJSMzBaTlQ2MkRUelJmaWNJZXIwZ21MbFhFTThhazRMT2RfXzAyS05YUDVhMHJ3d0x6V05tSUhsRlZKWkt3QjRzZVNRdERjcVI2bkRiTkFqQkU5dGRRbEoxSVNod2Z3dmI3b2VuRDA0UXZaZHZMM2twNWhBSU9FbGhUMVM3RTdsS3pr?oc=5) · The Boca Raton Tribune
- 2021-01-07 [Guardians of the Children Virtual Event Raises More Than $300,000 to Benefit Holtz Children's Hospital - Newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRldTYVhXUUs0a3BVMXlCWjlad0JzUVFwU3U3MzI2NF83S01rS1hoZ3EwbkVzemZEd1VIVUVfbEQzS0w0Z2pKM2V2VEhXYzllLVlrMXVjck1TdG1tQTU5Y21HaXNtQXZmVUVGa3hNR215N0ltcVRLbkxPN2RkNjR3MF9UQXlSYXd5d3BFM1NyX1ZOVkFqY1drNXdBV1pIQlA5S08tbmNxOWE0dw?oc=5) · Newswire.com
- 2021-02-22 [Money & Tech Roundup: How Apollo Bank is reinventing itself after canceled merger; Founders Fund signs lease for Miami office - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNjdIdE90ZFhzMmlQSy0wazdSYXE5VjA1VzFUUzdzT0FCSW8zajhxV2owT2NjTElNLUVhLUVEaVN2OFRWNmVvck5UUnJITmdfQjYtWS0yLUExSDJ3MTI0VENXOFhSUmRWcW9xck1LU0V4TkNyT2VtUlliY250bVE1bEpnemRnMTJWc3l6TWNyMzlhUWRTN2c?oc=5) · The Business Journals
- 2021-12-01 [Ryder Delivery Drivers $5M Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUm1YRTRIM084TUg4Y1AxT0Q4WGc2VlloMEpxTm1VeDkxQlBybW82aXNYcWRWSVFzc3NtV1h3cnJhUHJFeGtXTWpIS1hTaWd5QlE3cnFMVlRUZGhyVUt0ZGpCd2JQU2dOSnVfSkl1bmJ1cDV6dEFqVXN1Vk50MXA5ZTF6a1FRajdPUzNGXzVaVVJoc0VWNkFwUkRBeFdYb0kwdDMtX1Y5NC13bXY2SXhfUVVqb0Y?oc=5) · Top Class Actions
- 2017-02-24 [2017 Power Leaders in Marketing - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNXzdqSWdlOTFBTlBQeC1lNEFZc2hYSTJQNVJBR0ZQUUR0NEVzXy1iU24xYTA1NTdWd1ZSaW51UVFvRTBJaTVXT2VMWHZ6VWxzOU9FSW4zUXZUcnBIWHhXMjV2UXU5ZVZWOUNVanJBRkN2Ml9oWXdIa0ZJSXFPZV9xcnVjQ25Lb0RZUWNsZlQ2a1pYOWFxb2Uw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13652 (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/20.json (key "13652", 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=13652
- 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