# ABLE
Cresaptown, MD · NCUA charter 14727 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/able-14727

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 1,579 members of 3,790 potential (41.7% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $8.4M |
| Members | 1,579 (-6.2% YoY) |
| Full-time staff | 4 |
| Net worth | $615,818 |
| Net worth ratio | 7.3% (p6 of band) |
| ROA (annualized) | -0.07% (p25 of band) |
| Total delinquency | 0.87% (p51 of band) |
| Net charge-offs (annualized) | 0.59% (p72 of band) |
| Loans / shares | 57% (p52 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p64 of band) |
| Operating expense / assets | 3.46% (p54 of band) |
| Vehicles % of loans | 62% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.26% (p39 of band) |
| Vehicle NCO | 0.55% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 10% |
| Average share balance | $2,864 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $7,047 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 3 | losing money | repo signal |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | assets shrinking, members leaving |  |
| 2017-06 | 5 |  |  |

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

- 2026-04-06 [APG Federal Credit Union to open first Baltimore location - Maryland Daily Record](https://news.google.com/rss/articles/CBMimAFBVV95cUxPMjBOLTlESWpZS05nX3diLUJJVDkzeWlwbkNXQllCeXBoZ2wwbmcxdGtvSlBWUHVXOWJlR1VZbnBIOGx4bVI1cnhMMjhFRkczeXFyWEJ6elpEMFJUaDZhSjlQT3J2dk8yd1BVQ05jRmIySUxKSkhGenFfQnJHdUhJVWxFMFFET1cyWkh4cjkwM09hWFhTSDVmSw?oc=5) · Maryland Daily Record
- 2026-06-11 [Maryland law gives banks and credit unions power to pause suspicious transactions - WMAR 2 News Baltimore](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQQXJyZmhjZm1IQjdKMVNrRW96cGc2SVVyT3dkbnZLdHpQa0xkWFdkeDlmNmtZNXhwVnF0b1duZk1oRFY0bnp1eklhSG4yRzJNTF9KTld5OHk3ZTZEc0VQVXZBeDF0aF9FZHc2NTNVLVFJMUUweEZPWlBHVlFFTXFhZDBmeUhVWGJ1WUxub3pYcEk1OXg5R214X2pNeWhjVTMyUHJkOXIweW5pSkFHdXVKUWNLdHdLZUJGdEZtMGNoSnB1UQ?oc=5) · WMAR 2 News Baltimore
- 2026-08-14 [7 car loans for bad credit in 2026 - creditkarma.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE4wNW1EMS1SMGpHWFNZbjIxZllYRzcyMVVXakNFVzU5TVhMdzBvM2FpVTBGTlFlamZuWmZGZkVQNzVrLWUyYm80ejBLZkl0LS0yQno3RTFLemFDRUg3ZlRZbDY1ZWJ3SzFhUTNKZA?oc=5) · creditkarma.com
- 2026-09-01 [Best credit union mortgage lenders of September 2026 - CNBC](https://news.google.com/rss/articles/CBMicEFVX3lxTE1PbzV1YVozRlU3Sk1sNEYyU3FLOW1yV1NWRjdsZWpqLXl5c1kyc19BMHBzaG1yRnVQUElnTDNySnNhaEFCdXB0X0daUjVYZl9tUWJ1RldSZWlkMEd3WW5fUnRVWVJKNTBqaUFoZFBFaHfSAXZBVV95cUxQdTk3U2R3TlBLMzhnNXhZOUZ6S2xGUWljY1FicS1lQkZmV0hTZWNTZDd6VkNpYnhhaGJYeENFRUtvVWhqb1ZPN3lzQlVxenVoVWdlWC1DSnRVZ2RKOFp4Z05lY3Nhd0xmU2lRTlpKRXNyRDZvTDJR?oc=5) · CNBC
- 2026-01-22 [Hawkeyes Handle #15 Maryland in Overtime - Iowa Hawkeyes Athletics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQWWJnbXY3XzVUZG5SaExVTzBMZFFaVzM0YWo5VTRJelIzU3RsUkNxMkkwZlZaT3RoTmpNbkdrQzByYkRSblBvTU1lSy1TaUF6NWtRT3VUTXo0cGdmTU42UlhTR3l6RmdFY21aTUZiSjJLdk1yei1rNTc0Yi1wcEFDQmdxQkFZczF3?oc=5) · Iowa Hawkeyes Athletics
- 2026-05-28 [Howard County's Guaranteed Basic Income Program is looking for its next cohort - CBS News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUm90MzVCYjQ5Tml4UEZOdW5ITGNtS2V4a3hFaTJlNll1dXdEcTc5TkpYeWROaEJIZmpwMXVnc05jNVM4TWpnak1TODYzbW5GSDZ4UnBSLVVEOXJnYlc5Wk0tY2VHdHN4OHdCd3pYbmtPa2RES1B0ZVZheDVrb3U2bXZEbTZYZ21OWGhKWF84UUpIRG94ME9zSW95TDI4ZTFlNS16R1BQeXlkQQ?oc=5) · CBS News
- 2025-11-07 [Freedom Federal Credit Union Donates $10,000 to MD Food Bank to Aid Snap Benefit Families - citybiz.co](https://news.google.com/rss/articles/CBMixAFBVV95cUxQZGJjQ1lxMmkzb0xVc0dxczBNZFpJZlY0RllKRHVjdDhFTTdtaEhXM256dGJ6TS1mVmFPbElvXzUwNUkyWHhUbEtXQ1VrU3ZSbGl6ZGhHY25VaVBkVGdXNnJmYWdDQ3B0eWc0UThfQlN6Y1ZUTnE5a3ZyWk52M1p5VTNvczhqc1J6RGRBd0pkVmpGdzB5dW9TeVI2NEozblNRbzk4a1RlZUNydGdsVUdZUTdKQ1FrT0Znd19sTlNDWUVtU2t3?oc=5) · citybiz.co
- 2026-01-23 [Josephine Ann Ruggles Obituary (2026) - Cumberland, MD - Adams Family Funeral Home, P.A. - Cumberland - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbmFENFdXbGZoMlNhVGR6TkJ4TnFNRHA5a25FNDdxcUhzT1VhODhUekhDM2NLOHB2MmdEY2pyZ3h6QUw0NVVZTkxPazgyRDRvZXZwZDZtTWVITzBRdWV1NVJoUW56RTlvSE1ndkcyQWRpMjlDQkRyWHNnRWJOLW9jdmJieWRMOHc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14727 (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/7.json (key "14727", 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=14727
- 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