# CALL
Richmond, VA · NCUA charter 15209 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/call-15209

Who the members are: federal charter, community charter, organized 1962. 27,680 members of 750,000 potential (3.7% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $570.0M |
| Members | 27,680 (-0.5% YoY) |
| Full-time staff | 116 |
| Net worth | $57.8M |
| Net worth ratio | 10.1% (p45 of band) |
| ROA (annualized) | 0.20% (p17 of band) |
| Total delinquency | 0.24% (p15 of band) |
| Net charge-offs (annualized) | 0.07% (p7 of band) |
| Loans / shares | 53% (p6 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p26 of band) |
| Operating expense / assets | 3.71% (p58 of band) |
| Vehicles % of loans | 23% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p13 of band) |
| Vehicle delinquency | 0.25% (p18 of band) |
| Vehicle NCO | 0.10% (p6 of band) |
| Repossessed % of vehicle book | 0.04% (p48 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 8% |
| Average share balance | $8,819 |
| Participations bought / yr | $7.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $26.1M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $22,163 |
| Loans granted, annualized | $70.3M |

## Participation posture (from the same filings)

Bought $7.7M and sold $0 in the latest annualized quarter; $26.1M outstanding purchased (45.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | charge-offs p90 | losing money |
| 2016-12 | 0 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2017-03 | 1 | loan book shrinking |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | loan book shrinking |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | members leaving |  |
| 2019-06 | 0 |  | members leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | delinquency rising, assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 1 |  | members leaving, delinquency rising |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | assets shrinking |  |
| 2024-09 | 1 | delinquency rising | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-04-26 [Supreme Court Case Tied To Call FCU Robbery Could Reshape Digital Crime Investigations - cutoday.info](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOcEREb0h3YlM2Q3ZYVWN3M1ZNN2dBYlQxa3FVQ1BJVVZPSTJyOTRFWGpCeFFiV1FPTmNaamJ0MjlKai1BMjhvTnRlVk9ud2JOLTFjNGNIbGpyc1pIYWhrQVk3Y3hzSFhCX3dRR0JFN3pSUUVDeUpYUlVxUmU2MDc1d1piUHdUVzQydFl5MmVzc2x5WGxjenlYRVdYU1NIQ1Yzb2RybWdxZXBYcl9VYnRHZVJQU09UbnU5M3ZkRDlDVXA?oc=5) · cutoday.info
- 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
- 2025-10-10 [Government Shutdown Resources - Congressman John James (.gov)](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9lcDduaDFDem1xbEVsdzRwUnFxTU1PQ0t1TmdXTkl5XzgzbjBmV2trcFoxXzdaaWZveEI5MGFYM01Mb3N0M3dZTXVkMnpYQzhtdlR6anhaSUdIS0NPOFMwTzI2bS0?oc=5) · Congressman John James (.gov)
- 2026-04-27 [Supreme Court debates police use of cell phone location data - WWBT](https://news.google.com/rss/articles/CBMinwFBVV95cUxQU0dJVkduVGY5Skx1N3ZHOC12VVNVd2hQSXJsMV9hRHFpZmtPS2JQV0VESlBlVVVFOGpRNElycGd3M1FpY0lqelA5Y0JTbUFUR1FLSkkwMERDTmpCMHJrYTVuLWNhbkZhcWFBNFBSTWtmOERDRW1hY245UnNrQ2ZiWkFmUTJvejNXQlJwZlhSTHJ3bmZ2RE9IWHladkhIM2PSAbMBQVVfeXFMTjhrcjAtbkRIX2I1MHVJM29lVHRqdExwUHhGZG83UU5iXzI1RDZwSm40eWlyWkRKdV9LWXM4MnNOaXhtMFJWalF2U2Y0ZUlKa3BJMDhHeURiRTY3OE1qaFJvMXc0T0tSVjF2al90SWttbDZuYndWMnRDUHB1d0QtYVdMNEVVdElqWm40cFR6Qk5TYU1XWlppYzB6VEt6YXdielQ5ZXhndUhieWRtOTFkbkxNUW8?oc=5) · WWBT
- 2026-04-27 [A bank robber’s cellphone gave him away. Now the Supreme Court is hearing his case - Pioneer Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYkFPNDRXR3BXbE5sS1djT3NPUktlNDNES3kzSjhnal9SWXhEdUptRndxY0VFZ3kzQVVPMlNPeDAzT2hBSlpBeVRuUVkzWnQyMUxVUTFZaGduUlRUV0l6QVZ5NkgtdWN6NDFlZ3ZMbW1sT1FKUVpsZ1AtdVN1RlFUODgwUGw2UQ?oc=5) · Pioneer Press
- 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
- 2026-05-01 [Column: Technology assures that your whereabouts are known at all times - The Virginian-Pilot](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNFRIaHFuMzZKaUk4Y21GMDVNaGpuOWpLYzhDdF92VFlhQS1yVVlqcTdnWGF5aENXM1V5MTc3NVdCNHFKTlY4SmdhMThkWnZqOFlxT1BJaVlvTkprQi02eFpidWJCTUNnX2xoR3p4S01saEhZUGsxLXlidUoyLXJabmU1WXNsdnRMTEJ4dXJSX1ZNX2lJX2VBUVhQYmNlTllNTDFxcFloeHhab2lVam93?oc=5) · The Virginian-Pilot
- 2025-10-03 [US Treasury Has Stopped Issuing Paper Checks for Employees and Beneficiaries | VA Boston health care - VA.gov Home | Veterans Affairs](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPZGxJWi13RndDNEpfd1FvLTBqS3hJU09oZjBHREVLYnFCZG82WERJSW1wZFhPcUMtUDMxM3pnWDZvOVA0aGpCcDZxcnRWRzZETnF2YkYxSUNoR05rTFM2RHR1M3RNcThDdll3T0c1UDh2R1B3QnRVUERFZzRqZEJoaXdWZTMybW5xSWFERjJLekRGNktJZVh0ZlhZRDl6S1BPcWZPUlRxMkVVd2RhVFNCZDV2bVZ6TzlYU3V4M0NYU1Y?oc=5) · VA.gov Home | Veterans Affairs

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15209 (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/41.json (key "15209", 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=15209
- 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