# GLAMOUR
Quebradillas, PR · NCUA charter 13785 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/glamour-13785

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 1,030 members of 25,919 potential (4.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.0M |
| Members | 1,030 (-5.8% YoY) |
| Full-time staff | 1 |
| Net worth | $238,794 |
| Net worth ratio | 6.0% (p2 of band) |
| ROA (annualized) | -1.62% (p5 of band) |
| Total delinquency | 0.33% (p46 of band) |
| Net charge-offs (annualized) | -0.76% (p4 of band) |
| Loans / shares | 48% (p50 of band) |
| Cash / assets | 43.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p70 of band) |
| Operating expense / assets | 5.24% (p92 of band) |
| Vehicles % of loans | 9% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p20 of band) |
| Vehicle NCO | 0.00% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 82% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 17% |
| Certificates % of member funds | 0% |
| Average share balance | $1,925 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $6,099 |
| Loans granted, annualized | $186,012 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 2 | margin squeeze | members leaving |
| 2018-06 | 2 | thin capital, members leaving | delinquency rising, margin squeeze |
| 2018-09 | 1 | delinquency rising | thin capital, members leaving |
| 2018-12 | 2 | thin capital |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | delinquency rising, thin capital |
| 2019-12 | 2 | thin capital, delinquency rising |  |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 2 |  |  |
| 2020-09 | 7 | capital below 7%, losing money, expense trap, margin squeeze |  |
| 2020-12 | 6 | members leaving | net worth falling, margin squeeze |
| 2021-03 | 8 | margin squeeze, loan book shrinking |  |

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

- 2026-02-12 [Hilary Duff World Tour: Dates, Ticket Sales, and Latest News - Glamour](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQlZTRFFkRS1HYjRJTE9fY05iVF9qMkJaUmNjWDZDdnFOZmJ2RkxndlV5Q3JmREtTcVN2b0FuMW5xNzVrZk1NVnoxZ1dta2FlR0U5YnVjendBRDFCZXZVeFF1QUk0YTJpTzBTYUwtLS1HWHFkM1JOSy1fbC1jZmMzRkU1bFlyQjhMNm1j?oc=5) · Glamour
- 2021-08-06 [Beyond sacrifice and glamour: Asheville dancer aims to dispel misconceptions of ballet - WLOS](https://news.google.com/rss/articles/CBMi0wFBVV95cUxONG1vWlNkRVpNQVdCOEg2NS1jRWowbUZKVkROaHJoWlV5ZDZ5MGx0ekhxTHY3b3V6ZkZUVWJ2cTZ5VXJJT1M1VWxlOWhORlU0UkdYazctMXhpZ1I3U0NzTG16Qnd0bEw2clppWDA2Q3djRW1qeFNZRE9VcW44SzYxQllQVG5pZ0FJYzJBRGFYWXpRaGJ3Z2I5My1aa2twejdmRWI1dWtxZkZmSFZnbUN2aHRTa0MwN3B5a0x1QnROZHYtLXBiS2o5Z2hyVnhKYXlnMmhF?oc=5) · WLOS
- 2021-03-01 [A New Photo Studio Revives the Beloved Latino ’90s Glamour Shots Trend - Texas Monthly](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeFBodGk2S1AwZTVaRGZjajNTS1F4YnF1Zy1ON2dxV002M21jMGFHQWpfNmhjTU1MWDM3Z0ppaTRqNGtQSVNDZkstUS0xNTV1MGpsNWVuNmtiSWdGdk1EOVBfZm1KVS1FMTlpNEU4aGRUdTJtVUVIQU10VlF5X3NUbw?oc=5) · Texas Monthly
- 2019-09-17 [Plus-size singer Lizzo wants people to stop calling her 'brave' for posing nude - Yahoo Style UK](https://news.google.com/rss/articles/CBMihwFBVV95cUxOLXp4OXVCVXZaandBTVBtUFg2TlBBRDBQMXdyNHpWM2RhenpVYl9vY0g2VUkzUkN4QzhUV0N6cnBSUXBuOHJmNmZVQm1rZi14cGxITUY0UHpxbGQwQVRRSk9xZHhjQTdoTTN0WTZQN1IwaWppLU1GdDA2bW9nOW44ZTNBTVNyajQ?oc=5) · Yahoo Style UK
- 2020-10-13 [Yes, Dolores Can: The 90-Year-Old Activist on Speaking Up, Raising Hell, and Doing the Work - Glamour](https://news.google.com/rss/articles/CBMidkFVX3lxTE5iOGhDdTNFS3RNdm94WGg0clI4VzlHUDhDZk84Z0w3OXhZVXY5VzFRVEhvSnlOWDB0MVlJTUNoRkk5MC1scV9DVlE1WTVyZW4yY1B5bTZvVEZwbHNRcVhUYjBYSU1xMm5GR2o1MkJwU2QyWmhwS2c?oc=5) · Glamour
- 2015-08-02 [Photos: Vancouver Pride parade 2015 - straight.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5tREdyNkZfQ2ZTQjNILXo2ZHhnZG56Tm9sY21Sc3hKOGxKYlNDWllINFBQbHNlek84aHRMMDIyUVdJamhSazdmczJmcXIxNEV3bDZ1V0xYeExiMjBfcFg2N0tBckpHelY3eVhucmZyVm5YR1J2VUFkRXNOS1JKQQ?oc=5) · straight.com
- 2021-10-10 [GALLERY: Glitz and glamour at 2021 Warwick Cup - Toowoomba Chronicle](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNZ1hnYW52WXluQTYtMWNrblBWSDlFYU90d282V1NXU3dSY3kwOTBhNmZ6NE94dGVna3ZaU1o3dWxibDl1ZzNGQTR4NmEyaTJGNDQ1cWFQUXpjemx2eEVsS3NnR3JBem1YdTdXREhGOTNIcF9fdWtOOWNFN1VuZzI5NTdPT3NmR0VEMzFXZmNjbFJYdkRyVUtLbnRFYkZzcHQ3Q2JvNzlOcGcxVGtqcVhiblJsd2VVb2RPU3BkMkFLMmd6bGl1S244dy1LTTg1WGg2WkhKcUd1ZXlXU1l1SVozdGZn?oc=5) · Toowoomba Chronicle
- 2022-05-13 [2021 Port Macquarie Business Awards: celebrating resilience - Port Macquarie News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNU2NoLXhnd0RXMXJEMG1WY1RWOHd2bGZzZVlJdlNvN1YtQmNaU2F3eTNoc2ZmZzFGYXF3bVdja1BRVl9WeDNUZm1Kc3RKczJSVmlhOXROM2NudjZzRFFtRUJMWVYzdzVBR0ZIT0Vpa3FKWElhLXNKWFc0endQN1FEX1A4X3pPYjhGUXNJUmhBV0trTG1yYzc4Zzl3Wm5ZWk5iT2hv?oc=5) · Port Macquarie News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13785 (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/25.json (key "13785", 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=13785
- 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