# JUSTICE
Chantilly, VA · NCUA charter 151 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/justice-151

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 73,552 members of 200,000 potential (36.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $1.16B |
| Members | 73,552 (7.8% YoY) |
| Full-time staff | 168 |
| Net worth | $135.5M |
| Net worth ratio | 11.7% (p67 of band) |
| ROA (annualized) | 0.41% (p22 of band) |
| Total delinquency | 0.89% (p74 of band) |
| Net charge-offs (annualized) | 0.74% (p71 of band) |
| Loans / shares | 79% (p31 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p66 of band) |
| Operating expense / assets | 3.25% (p52 of band) |
| Vehicles % of loans | 18% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 101% (p40 of band) |
| Vehicle delinquency | 0.49% (p40 of band) |
| Vehicle NCO | 0.71% (p32 of band) |
| Repossessed % of vehicle book | 0.05% (p40 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 34% |
| Average share balance | $8,068 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $19,045 |
| Loans granted, annualized | $271.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 1 |  | loans>95% of shares, assets shrinking |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 | margin squeeze | leaning on borrowings, delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency 2x band |  |
| 2022-03 | 1 | delinquency rising | delinquency 2x band |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 3 | 3rd-party paper>100% NW |  |
| 2022-12 | 0 |  | delinquency rising, delinquency 2x band, 3rd-party paper>100% NW |
| 2023-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | expense trap, delinquency 2x band |  |
| 2024-09 | 1 |  | expense trap |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, losing money |  |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | 3rd-party paper>100% NW | delinquency 2x band |

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

- 2026-04-30 [Justice Federal Credit Union Selects Upstart to Expand Personal Lending - Investing News Network](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc3lXLXVhTUZFdGcyYm51Y1RXSFhJd1ZFRXF1UWZpeThhUjY2OTdYOEM3MHd2UERmaHNYYVpLUjZKb3VlRzBMTXN3OUtMMVBLYXZuV2R5dTZ3S2dRRHNtUThPZ3NPblV5RGRUc3pMdm5iaVJXei1Od2pqa1B0c09aamJneGhPZ0lCRUlmVEFweWNlODlhQjBTVTB5OFpSZEU?oc=5) · Investing News Network
- 2026-06-29 [Court rules that law enforcement’s use of “geofence warrant” was a “search” - SCOTUSblog](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPNl9zY05Qdjc5MGdud1RFNTBBUURKVHpZcVNNdDFnekdhYXpVUDNJMFNJWFljQVJJNldyWUs4REE0OTJnN0NUNHFkYWRpencxcE1vSk9XOWxGRzRRbVByUDNFbDVBcGlyRnppT1hGb0RLRzdBZi1kQlV3MnRyM1JkTzNoZ3dBdkRRLXAzXzEtN1J6c3Z5RFVoVjRhTDdMUmpPTEozMU5CZzV5UQ?oc=5) · SCOTUSblog
- 2026-04-27 [Supreme Court Wrangles With Police Use of Cell Location Data to Find Suspects - The New York Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPak56bDVray1Qb050QmJ5Qzc0b0dGZ2k3NVFFTkV6QUplSDhwSVhFS0JqSGQyUXE5aHJ3eEFiRkl4NWZtYjlyLU0wLWpjV0M4MWJYTThtU09WVWJOUXgwMWhiQ0JfaFVwTXgyTkZNTVA1dlFzMEFkTHdpbVFjMGkyTjlnZ25CZ2Q5RzZ1SA?oc=5) · The New York Times
- 2025-11-25 [Santa’s Ride: No Child Left Home Alone This Holiday - Fairfax County Police Department News](https://news.google.com/rss/articles/CBMiigFBVV95cUxOaWJIZm1NcExDRHdCb3M0aTZBLTFsMUpKVkRoc1JSQXBYb2kwamM3S0RLb003YUFoMjlQSVpWMHNQYnVTajlDVjZTQlIxdl94Y3V2cTJqbDZ3T2ZPejIxcjgxTVlEQTQwanRQZkdEOWl5Rk9wWFlHb19BSWsxNjFJRHpUU05GTzQ1WHc?oc=5) · Fairfax County Police Department News
- 2025-09-16 [Mark L. Robnett, finalist in Credit Union Times 2025 Luminaries Awards - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUzkwY0duQTBhcHFLeFVKbC1qQW9OanFscDhfT1JGamtLRGltWXpaaHVsUF96YUppRHUwdHpwcDVudWx3NVNVSjA5NEZuQzI3YXJFcXpwY25zcjFLV3BrUWJZQ1dZYmxzMUhnX0FaVy01SGdYYTBLMzNWU1lmOFI2ZUxmaEJsMFpNa1FleVVTeElnZmtGSVNiUm42eVBpV1NGN3BjSzRXazFXTDhZeFE?oc=5) · CUInsight
- 2026-06-29 [Supreme Court hangs up on whether smartphone search was 'reasonable' - USA Today](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbmtSdmQya3dFMHVnLUtTUmtQTmdxT2NiTjBGLXJIOGFsdlpCVWlEdlc3VURORFp4cnRtR3BISU9DX2hoTmxfemNpMEVGU3hsYWN3Y3JiTUl6dl9teGV3U2gwQlFMeVJLQW5RLXhRbUs0bFpjUzRwdEtVbDRpSjZVaklydGxWc1YtUDJuVFk1MHhTRmpBUDVEdFBDdEpIY2tEbmZlWUh0WE9OYWZDamdEbDF1ck9Td21W?oc=5) · USA Today
- 2026-06-29 [Supreme Court finds geofence warrants constitute a search under Fourth Amendment - Washington Examiner](https://news.google.com/rss/articles/CBMirwFBVV95cUxOb19CbkNZeVRtQnppMjJrWHNFTXZSbzVINnpEeUFJTHU5V04xeDBoUklqalo2bWxlaTBYeHQwaGtnUnFncFMtTFptRy15UXk5Ymt5bm9IS3ZNNUZKRUZlOXZNZnRrV1NsZVJsYmdBbUQzMVFOa2hWV0Q0SS1qdHI0T25OQUVobW9PN2JncGxVRmoxd3drSFFFWVFtbWhSVm0yWDQ4MXY3YUR2X0NMVC0w?oc=5) · Washington Examiner
- 2026-05-14 [Susan Baugh Obituary - Harrisonburg, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUkk4UVRWYkpqaWFfRHVQTXJDUkU3Q3hFV2lreDdmV3dfbWI4dkpHNkxBZ2hoX0tXdHFGbFNHVE1mMlZHVWhENVlGUlNpU1V5TDB6aF9BaVdNRVlTUGVPUlZvYXdUMWMzRXFYQzFjNnFpcUlXV2FWRXEzb0o4N0xZY0NYbTBlZw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=151 (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/23.json (key "151", 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=151
- 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