# LEE
Washington, DC · NCUA charter 15174 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lee-15174

Who the members are: federal charter, associational, organized 1962, minority depository institution. 248 members of 1,800 potential (13.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 3.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.5M |
| Members | 248 (-5.0% YoY) |
| Full-time staff | 0 |
| Net worth | $2.7M |
| Net worth ratio | 49.8% (p99 of band) |
| ROA (annualized) | 2.07% (p94 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 45% (p30 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 1.21% (p3 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 100% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 0% |
| Average share balance | $10,335 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 3% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $153,486 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **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 | 1 | losing money |  |
| 2016-12 | 0 |  | losing money |
| 2017-03 | 2 | assets shrinking, members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | net worth falling | assets shrinking |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | assets shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | assets shrinking |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-06 | 4 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | losing money |  |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 2 |  | loan book shrinking, losing money |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | loan book shrinking |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | loan book shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | margin squeeze |  |

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

- 2026-07-29 [2027 Credit Union 1 Big West Men's Basketball Championship - The Big West](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9mZGoyaGRfQi1MOXRnaGVBY1RrLS1uS3BHbU9ReFZLX1paeGxaVmtlWkthVGhqN0pIcTY1b0ZwdnhvZ181ME8yTnFOSVNTbTdE?oc=5) · The Big West
- 2026-02-02 [Regulators Move People Trust Into Conservatorship; Founder Pushes Back in Federal Court - Arkansas Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQk5nbDUxZHdBcFhEa0NQWFBmLThJeTNoQUN3RnZSNXV1V0tfT2RUaEFSU2tLamRmWXVBekhVV2hXODFTUHJYYVZYcW0tejdNTWFtcFp1QmNUYm1NakxIZ3FGX2ZiY0NmTHlwdHFqMldiTTlHZi1JZTVEY0IzOGw3Y1h2OWo1U1Y3UGNXWEFmXy1wSnJBQWRBcWZzNA?oc=5) · Arkansas Business
- 2026-03-27 [Cypress Lake Middle School Student Wins Lee County Spelling Bee - Lee County Schools](https://news.google.com/rss/articles/CBMifEFVX3lxTE1KVURpZU5yMk1xTDExZXBZUlMwRnVsaW1ER1hVOTlCTlpDcmF4S0pjNVZkTnhJRWNhU2hQOVJhZFR0UzJ4cDdYZUVOT0RkLTNzdkw5R21pbGFfSnZ4aEgtemR5X1RfLU9LMjRCaW1Tby1yV3JVb0ZLN2Z3UWk?oc=5) · Lee County Schools
- 2026-05-13 [Credit union CEO leaving less than a year after high-profile hire - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPTFBaWFI5ZEY2dDdUUnNwX2tObm9EdFZZV2RWV0R1T3JKcXJmTTB1amY3ZFdzSldPTTBWSzdaYW01Z09jRmNEOXhOZldoRmNWV0JBWTRuRUlxcjFsdFVGa0RxaUVPSTVEY3lEX0M2Tmx2Uk1ETVdOblIzUGNZRmxSOHhQRjVsT3VqTUtHSHdIbTVoOEF0RWhXenMyTGJoUQ?oc=5) · The Business Journals
- 2025-07-15 [Financial services new hires & promotions roundup - Mainebiz](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcFZtWWlTTmJ0NDZPQ1ZibXlBUzc1VWFZU3VTZHFHRERKay14R0RCN00zX19ZNUpWaHhManNKdFZfdnNmc0xYbWZLUjc1VXBiQnRlSS1vOF8xYlo0VEt0dWhnYnFneXAxSVpVQ204RS1LaURVYms5c0lBSjg1V3FpbEhDTQ?oc=5) · Mainebiz
- 2003-06-15 [The family bank / If you have Lee connections, you can join this Chinatown credit union - SFGATE](https://news.google.com/rss/articles/CBMimwFBVV95cUxOckZMYzNtQ0NQNk1kYWI3a1dWbUJGSTN3UGVldUFCbmliT0xvaWxQUUdCb2hYWnZwaWw0cGE0LUZsT25LWGJ3NTRxNjFvYmc1ci1BQVlwdVFkWl9USi1Da24tcDNORFdtQkVpTEJycUMwMzF4TmNxN2ZLR2ZUN3BMSm9VWmlWVFVQS3JPSlZhNFNwSXEzTUxiX3pONA?oc=5) · SFGATE
- 2022-04-28 [CoVantage Credit Union Plans Expansion into Northern Illinois - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZUJJcWFRQkN1VHFVWXRnZGUwRjN5NDlab25FSElIQ2VINGd3aDlSTE1hMlJvNGFVSHBlWlZpQzUxczNPU09kQVRmdmY0ZElrdUZuNTh6dEx3UmJpcXpMVFBLNGdRUmQwc3Q3V2l5V2xZOTlRbDkycmtNT002cXZpZGVobjBPT2d1YnBvd2QwWEJpUmhLVmg1dkxjekZNMGR5Tkt5RkFzamFhUzJaU1B5NURFdlhEcXFZZmc?oc=5) · Business Wire
- 2024-08-03 [Tacoma woman accused of using customer service job to steal banking info, $345K - thenewstribune.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5SbjNyVHpkMGhpUTJDMGVuVXVPRnhWOXdnSFhSdFRUeWxRWXNqWnpvM2xuRFBUaXFiRVpwbGxINWMxbWVla2FsZ28xWk1KdTRVcml1ODZoT2tjVDI4RVowYTRZRUFSQ1lleE1weXBlQTfSAXBBVV95cUxOQm1FWnNlSWFKWld2UkNKMVY5QTVnT1o0SVVzTVIxZTM1eVE4QVNoR1B1R1N3M0g3Rjl6NE9WR2lrZjJOWTNfNjM1VUpWWnNSallhZVVGbGFSTmVmMm03cF8zMGgwcDl6elNKeDJFVEVm?oc=5) · thenewstribune.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15174 (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/6.json (key "15174", 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=15174
- 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