# FORT BRAGG
Fayetteville, NC · NCUA charter 13690 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-bragg-13690

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 35,348 members of 575,160 potential (6.2% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $682.8M |
| Members | 35,348 (-4.3% YoY) |
| Full-time staff | 65 |
| Net worth | $85.0M |
| Net worth ratio | 12.4% (p77 of band) |
| ROA (annualized) | 1.69% (p95 of band) |
| Total delinquency | 0.55% (p46 of band) |
| Net charge-offs (annualized) | 0.49% (p56 of band) |
| Loans / shares | 66% (p17 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.95% (p19 of band) |
| Operating expense / assets | 2.11% (p5 of band) |
| Vehicles % of loans | 30% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 128% (p57 of band) |
| Vehicle delinquency | 0.68% (p60 of band) |
| Vehicle NCO | 1.38% (p71 of band) |
| Repossessed % of vehicle book | 0.08% (p60 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 23% |
| Average share balance | $10,573 |
| Participations bought / yr | $58.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $58.9M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $22,564 |
| Loans granted, annualized | $103.7M |

## Participation posture (from the same filings)

Bought $58.3M and sold $0 in the latest annualized quarter; $58.9M outstanding purchased (69.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | repo signal, 3rd-party paper>100% NW | delinquency 2x band |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | members leaving |  |
| 2018-12 | 3 | auto monoline | members leaving |
| 2019-03 | 1 |  | repo signal, auto monoline |
| 2019-06 | 3 | repo signal, members leaving |  |
| 2019-09 | 1 |  | repo signal, members leaving |
| 2019-12 | 2 | repo signal |  |
| 2020-03 | 2 | net worth falling | repo signal |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | repo signal |  |
| 2020-12 | 2 |  | repo signal |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | repo signal |  |
| 2022-09 | 1 |  | repo signal |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | repo signal | leaning on borrowings |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 | net worth falling | repo signal |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | loan book shrinking |  |
| 2026-03 | 2 |  | loan book shrinking |

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

- 2026-09-09 [Fort Bragg Federal Credit Union announces three new positions in Q3 - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNVUp4TFJ6UC14Z3VpLVVIdDZtZlVVVjN3Z1JzUFdPNmZyMTYtOXFpRXZhenN5bTMzU3lZYUxRNEFmeWdHdWJxUUxENkZ2UmIxN0c4bXRDSzhqRGd4WENIUW5mRzQtQzdBUy1sa2FTOW4xd2UtRDlNZk01RlE3ajZQb0FoMk9vdjBKUjJaeW5YYVJOdXRPbEVnWUxhajFHVGJqSWdkZ1lPVlZFQ3NjS21GZUdOcU9jWXA4RFJiNHVEZlhObHB4dHlDbg?oc=5) · Greater Fayetteville Business Journal
- 2026-03-18 [Fort Bragg Federal Credit Union announces three new positions in Q1 - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxPeURQdGMtc2dnYWwzeEhrT2VXajNkNnhUclRUU096Qlh4UE92VVFIbEJodnllSkVjOVZXck1UZjh5R2I2VHF5T0pFZlowbVZmSEhsXzE3ak1sVkJFMEYxa1lJakdLVDhqY2tqWkg2cFhrS3ZWMm9OX2FNcmVfR1JTckdyaEx3RjhZdDBMTXc4b1lZZENFSlpwV3FqcjdWNFJUMEp6VTBYME5WRHg0?oc=5) · CUInsight
- 2025-04-02 [Fort Bragg, Fort Liberty, Fort Bragg: What organizations have changed names? - The Fayetteville Observer](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPY0pKY3hVcGdHSTZmN1NGNEVBWkpOR2pJYkpfSzFzT2ZyRWdTWDRrVzBEQjVteHlJQ1R2SEhoQ3JnbE5QTkdKMGYtYW5KR3NvNDhJVGUxbVQwbWMzYXFuR19KNjlsLXVwM3BfRFRkbUxpS2d6ZHlDN1llZFhjeDRDenp0dmRmTDJFQ2M4Ql9zNlpZWE5sRC0yVnEwdDBJd3l2X2RhSDI4N0NCQ2ZEUk00Z2hIOUhmX0NBblhlajBDVmRBR2MzTkZHYg?oc=5) · The Fayetteville Observer
- 2018-08-07 [Corelation signs North Carolina’s Fort Bragg Federal Credit Union - American Banker](https://news.google.com/rss/articles/CBMizgFBVV95cUxObDZIcVZrbk1vNEF5SVk5aFRFaGRROXpVZ25mRVdUU2EyVDBCb0d5WXJreVVoclpTWk5NVkRvNjlQVTRZeDQ5bXd3YmwwWmdfWngzRks3ZEoyRDRaYlExXzQ3Vl9NbXpnVkt4OEFkTjVXc3dQVWtlU1NGRng2YTNKb19NRVZxeV9uMHo4WnczMkxXMXpzT3JsaWJkU1N1bXh5Zi1tcHpDSzhuWF9KQ1pPVDdVbTRJWENCbWNiaGVVSUxIYTdRamtyQkxEajRudw?oc=5) · American Banker
- 2023-04-05 [Fort Bragg Federal Credit Union changing name - mydailyrecord.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOeFNQaVM5cFgzdjB3d3Q0YW5neEpRVnVTWmlGMEdZcXRUbG5iczFzaTMtamlRUnpBTHJ0VVNMTWcxUzdSUjlMRXFKZlM3a0REWk1UMUN3YzRTUjRBWnlydjBNN3E3a1BzNVZfa1VkZGEyaVUxZ2FIbWxROE0welBMS0M5aW5aSDVTbl93WWw4c21wcXZtelNwY2QtZV9CU1dNLUl5MkVtLU1HVklJaVpMMUxaVS1sZmNweGdPaV9rODJwZXBDYmNTOER3?oc=5) · mydailyrecord.com
- 2025-09-18 [Spring Lake Board of Commissioners: Fredericka Sutherland - CityView NC](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWTQxdHA1NzM2M0xzWTZRV3dzeEc1ZVZfb2JuMGhRVTdWUW4wTUROTndxLWxYbzNDSGZlU2VsUlBPY0EtWFBaODFYaXhzdWZhX2hxUEVlQlpLcGxsZTlEWkFlNVF6eEpWM18xSXEzcnBadXRSb1pQaXhMbURpeXEtczFMdmpybWYySEVMNUtUdWNUcnJ0LVE?oc=5) · CityView NC
- 2025-05-30 [Crystals, pistols, and a $30,000 headache: Fort Liberty business owners reckon with Trump's renaming of Fort Bragg - Fortune](https://news.google.com/rss/articles/CBMifkFVX3lxTE9rV2dzd000NDJRLXIzQzNnNElwc2duUmVZZ2FoelJ4TFpaY2p6bzNsS2laY0pUZF9KSU54UkpIUS12Q1N4c20zRFk5WFhwa2drSVNwb1JLR0NKYUEyUC01OWhxY1l1N0luX3pCSWlTa00tUDU3RmJMbFZMdVVQZw?oc=5) · Fortune
- 2025-03-30 [PSECU live with new core banking system, Corelation’s Keystone - FinTech Futures](https://news.google.com/rss/articles/CBMitwFBVV95cUxPbFNBQzlaZkRfTnkyV2pGWGlQajJkNk52VkJveDBKYVk2RkNKckxja1k2UlNGSG5RbTRlT2lPUDNIUUlzQU5oUGVfR1dvcThLenE3TlI1RFVJM3VvYU1XU3BLd1M5blRpYXBVUjkxcWtxWkpDdGJfSWdHZTZYLW90OWlhT25iMUxuWENCRm14RUkyc3BvZ2xJNVVxYzRxdWN3anJDZEhaRUw1U1otQklpcXJERC10MGc?oc=5) · FinTech Futures

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13690 (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/58.json (key "13690", 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=13690
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide