# PERRY POINT
Perry Point, MD · NCUA charter 1477 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/perry-point-1477

Who the members are: federal charter, multiple common bond, organized 1936. 3,845 members of 11,460 potential (33.5% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. 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 | $22.0M |
| Members | 3,845 (0.4% YoY) |
| Full-time staff | 6 |
| Net worth | $1.9M |
| Net worth ratio | 8.6% (p17 of band) |
| ROA (annualized) | 0.65% (p79 of band) |
| Total delinquency | 0.90% (p54 of band) |
| Net charge-offs (annualized) | 0.01% (p45 of band) |
| Loans / shares | 40% (p26 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.62% (p36 of band) |
| Operating expense / assets | 4.05% (p69 of band) |
| Vehicles % of loans | 54% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.23% (p70 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 9% |
| Average share balance | $3,390 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,557 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | thin capital, net worth falling |  |
| 2017-03 | 2 |  | losing money |

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

- 2025-09-02 [MD credit unions to merge - Maryland Daily Record](https://news.google.com/rss/articles/CBMickFVX3lxTFB4R1Y4OXJuOWdKcW5vUXVYYnBSMTdxUmVaYzd1ZDczM0RSVm9XRjdFNHd3bE04MjBKTDZOTTRjUkZVR29PekhBWlB1VWtERWx6NDVlSlpNam1pR3dBNjZKQTlGQkFyLVhDbmxnTVBNMGhyZw?oc=5) · Maryland Daily Record
- 2009-06-20 [Sarah Qualls Obituary Jun 20, 2009 - McComas Family Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE5zMGVoMzlQd2VRank4Q1Juc1BGYkViNHdZRVJkOHhXdXltMFhLSHNVWUJCYkxUM19mRHZMUklxQm10SEU4OGFXbVJHeDBZNHhHa1FUOXFBMDk1YTY4RVZidEE5NlBFaHJJZ1E?oc=5) · McComas Family Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1477 (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/5.json (key "1477", 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=1477
- 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