# BOYDS
BOYDS, MD · NCUA charter 14876 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/boyds-14876

Who the members are: federal charter, community charter, organized 1962. 356 members of 380 potential (93.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 11.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.5M |
| Members | 356 (-7.5% YoY) |
| Full-time staff | 0 |
| Net worth | $229,551 |
| Net worth ratio | 15.5% (p64 of band) |
| ROA (annualized) | -0.74% (p8 of band) |
| Total delinquency | 0.25% (p27 of band) |
| Net charge-offs (annualized) | 0.00% (p25 of band) |
| Loans / shares | 24% (p7 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.19% (p2 of band) |
| Operating expense / assets | 2.08% (p14 of band) |
| Vehicles % of loans | 51% (p42 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% (p14 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,315 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 11% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $8,054 |
| Loans granted, annualized | $44,100 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## 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 | 3 | assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 1 |  | assets shrinking, members leaving |
| 2018-03 | 4 | losing money, margin squeeze, assets shrinking |  |
| 2018-06 | 1 |  | loan book shrinking, losing money, margin squeeze |
| 2018-09 | 2 | loan book shrinking |  |
| 2018-12 | 2 | delinquency rising | loan book shrinking |
| 2019-03 | 3 | losing money, margin squeeze | delinquency rising |
| 2019-06 | 6 | net worth falling, delinquency rising, members leaving |  |

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

- 2001-11-30 [In Boyds, Md., a Treasured Heritage - The Washington Post](https://news.google.com/rss/articles/CBMiywFBVV95cUxNeVU2RlY4SVBVQ0FHMkwyQTU2M1VlYVVwVGJpa0lwcjIzekc4OE55aDFvcXpMUjRfTms0eDhtLTFHSm1sWmJzRjJJTzFJUmVHbDdDb1NYUzVXeFJGN09qLTcyVkg2eFpCemJFV0k4bTY5TWVaeVM0WUI4T2V5WHNXeG4yMUFEMDVMN1hTdjJGMlJhbHRpWEY2cXdSbkRna0F4ZVhBa2t6WXZwaV9Ddnl4WkJPZHJONHRZXzh4YlE2dERGdF83SFUwUVJIRQ?oc=5) · The Washington Post
- 2021-10-05 [Earl Dillehay Obituary (1942 - 2018) - Boyds, Md, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNNFRQUFdqTWNvWUZISVh2TDhzR0V5STJjVUtlU3BIcXJBNktZT1c4SERVT0ZqaUlueURlekVqUWdWMVQ1ZTl3RkZrd1BocEJxOXY5Qm42NVBGU2M4Wmxtbks3YmZ0LUtESF9BTkVKR05yR1dfci15a1FPZHdWZ0JMTkFwT1JpTmljNFFkTElqN09DWWVjVWhGRHBR?oc=5) · legacy.com
- 2018-08-22 [Clarence Richardson Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOaVQ0ZjRaQ3d0RTJOLVBJZENVckhfRUphZHczN2JhSmpuUnkxeEFWTTVoLUVZWFR5RUdnX3dLYnZLVlk3bXVQb085VlpIWnFicmRqY1lPRUJGNmgtOWYtUmQydGtaalBuLU1WUk1jR0lpLUtTcm5Qb3NjZ0IwTDVjMjJ2MDYyS0lDUWlTWWNrbk1iZy12Vl9qMmRublBTVkRyNzdXRGJHWk1zUldjdXI2MUgwcktJd1pyN0lQMV9pcU1hdHFMWjYwOWZPb2xDYkl2TU1CV0NEZEZHYXY2TlNyMnhqRUpOVUR2UFRMY0ptRlJJZW8?oc=5) · 24-7 Press Release Newswire
- 2021-09-26 [Virginia Gibson Obituary (1932 - 2021) - Boyds, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZXZEbmY5SUF4My1BTTRoSEFXYVNqandnS2wyQ2tTYzEzQWZZTkEwaFBZZlVVeXRSanBDbUtSbWxtU3k0MXBvdTNuMlAtaDJIbWhBY0J5WDRUV0ZJbGFMVVJmSGRzSmZkaVJJWjNybWFjRDU5NVhCclBuSV8zTEFqaVoyMXVDQ2RCQ1dSZHRzZmJOeUhCWDdBb1VyTQ?oc=5) · legacy.com
- 2022-03-17 [Rev. Howard Carlton Talley Sr. Obituary (2022) - Rockville, MD - Snowden Funeral Home - Rockville - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUkFtTmpVRXF2Q0dTUWJZVzJFNnAtNGNhZG5kUHlsMjNfbE1LcWZPeUlEWnFkR3YtMUIxZHZud2lOQkwzSnBtWlF6eXpVQzU1Z1NDbzF0YWFCaWpieFlZTWoxdE9jZ2VwOGgydVVGTzBxdnc2S3hWNXI0SFE2THJhT2VB?oc=5) · legacy.com
- 1983-01-25 [Thomas F. Tuel, 47 - The Washington Post](https://news.google.com/rss/articles/CBMirwFBVV95cUxNSlF5cU5OMFlCUU5zVkVTSTdOaG1BLTllaW5PSTE5aktsQ0NuSjNwSnllM05hRFplVEtOZ3lYV2lLSHgwVXZZNk5mZi03ZE1rTWFEZmo0RUJUazBxMHNaRHByNlVzUHVMOFd3OGdDWEtfdVExR0czUzRSNHltOFNNMGZWaHhVeDBZeFl1bk1YelpBMHBpZG0ydmlLejJRT1RZV0l1R2NNa1VrYVFjVlhV?oc=5) · The Washington Post
- 2021-01-20 [Steven Gibson Obituary (1937 - 2021) - Boyds, Md, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSVc5TGVoT0VuZWkydWQ3MU1TV1dTTWpKNWw4cUdJNVBLOEJWQU5sQ09Dd1Z5Q0FWeEthMFVRUWNSY3NlMlVzX29uaVBhWXJIODhrd012R05nLWI2Q3A0OGROUzkwdWJqUkw5SVAxZnlELWFFRjFLcDR5UHQ0X2tUUXg2LWVnNmdiczFJMTlYR3FnTGhDRWF2Rg?oc=5) · legacy.com
- 2018-09-12 [Patti Harner-DiCarlantonio Obituary (2018) - Rockville, MD - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRng2c3Q3S0dVTDc1cDRLb2toQnVSUjZ0MllBZTBTMFBOSXZ6UTNzeFg3dTdtUDlzTTFZUWdxd05iSDlmY3BtVzVNU0RONk5EME04RUFDTmltY3dKUEtGUVh6a0s2QW5rTi11RFpnTm5PTzlpWW9SazRMRWtNSWlYb2xJMUgwa3RXazhCeF9tMThJbDg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14876 (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/28.json (key "14876", 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=14876
- 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