# CHESTERFIELD
CHESTERFIELD, VA · NCUA charter 15496 · asset band $50-100M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/chesterfield-15496

Who the members are: federal charter, multiple common bond, organized 1963. 10,844 members of 122,000 potential (8.9% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $91.8M |
| Members | 10,844 (-9.5% YoY) |
| Full-time staff | 30 |
| Net worth | $7.2M |
| Net worth ratio | 7.8% (p5 of band) |
| ROA (annualized) | 0.65% (p68 of band) |
| Total delinquency | 0.84% (p65 of band) |
| Net charge-offs (annualized) | 0.57% (p72 of band) |
| Loans / shares | 58% (p36 of band) |
| Cash / assets | 24.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p74 of band) |
| Operating expense / assets | 4.85% (p88 of band) |
| Vehicles % of loans | 58% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 162% (p85 of band) |
| Vehicle delinquency | 0.63% (p57 of band) |
| Vehicle NCO | 0.91% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 3% |
| Average share balance | $4,042 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $6,651 |
| Loans granted, annualized | $18.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | capital below 7% |  |
| 2017-06 | 4 | losing money, delinquency rising | capital below 7% |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 3 |  |  |
| 2018-03 | 6 | capital below 7%, net worth falling, delinquency 2x band | losing money |
| 2018-06 | 6 | delinquency rising, charge-offs p90, members leaving | capital below 7%, net worth falling |
| 2018-09 | 3 |  | delinquency rising, charge-offs p90, members leaving |
| 2018-12 | 4 | charge-offs p90, members leaving | delinquency 2x band |
| 2019-03 | 5 | capital below 7% | members leaving |
| 2019-06 | 3 |  | capital below 7% |
| 2019-09 | 4 | members leaving |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | loan book shrinking | charge-offs p90 |

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

- 2025-10-08 [Virginia Credit Union to open new Chesterfield County branch - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxOdnhXbFI4akR2aS1udnFETlQzMUZMNVZ0cWY4YWxieHRxNy1kMDhmRk9LUEJldlExN01jQTEyY285TzQ4YkhKa0JROTk5WVZpV0tSWW16dnBia3N6WlNqUjJobEtRaHBhNFVNUHBtSVp3Y0VKUjVjRU4ySTBUOF9FQjMtWTFpRGpkcUdOMWRHbDZiM2xheXdVTC1nWlRUNHZzaENn?oc=5) · CUInsight
- 2025-11-05 [Banking | Finance 2025: SHOCKLEY, CHRISTOPHER M. ‘CHRIS’ - Virginia Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxNMXZZS1RfbXR3cEJNb2hhTVhibG5ZVFVpQUhNNk5xMWMtYnI0RjV2LVZkeVdNaGQxVFJYdmtjajVIUlhDb3d2OGpqNFhqdGRvYnBqektOeUFBMUpWVGxTUXJoV19uOWJJaUthckFYQnpSTzYwMVFoeEhfeURGRS1YQnFuMWJsQQ?oc=5) · Virginia Business
- 2025-11-18 [At Ettrick Landing, the dream of affordable home ownership has become reality - Chesterfield County (.gov)](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE80MW5CSHE1UDU4UE5xdGNZUTIwckVmRkVPQXBOdERWakJGOXFDZ3hSMC1OQ2tBRGF0TGZDTTlzN1BLcFU5d0lhQ0k3Ym5QdnRpd29yYXlaSmV0UVhtc2NOS3YzMDIybzA?oc=5) · Chesterfield County (.gov)
- 2026-02-10 [Donna Fisher Obituary (1944 - 2026) - Chesterfield, VA - Kingsport Times News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbVZ4YzdFUllVNFlaNlkzZzRPRG5pX09ZOVVheG5sd2JFWUdSNEFjUTVvU0JlWExocXEyRTV1aVZ2WW50TUIzRjJiX3AtdmRhS1hhaE5GVjBDR3lRaWpNS1lBa0tNLWRUNm50dUtpckhoMi05ekYwOXFTRzg5emxzY1pNLVJtY2Q2YTNPUE00NV9UREQw?oc=5) · Kingsport Times News
- 2025-11-18 [Panera, Virginia Credit Union now open at Courthouse Landing - Richmond BizSense](https://news.google.com/rss/articles/CBMiogFBVV95cUxQR2tGYWlvV1h5M1BkeG92bmVPbWZDbVdQT0pycEVwcUNaUEhvaE9xY3cwNnliaDNhT3YwOVQ1bTFYSlBYeFdjNlVSTGRDZFB2ZWp1eTZobDZfb1h6TUNXeVZ0czkwUEVDZ1QyOENyeTNPc0N1RzZxdjFkRWpiLUxhMEdDUDVHUERPTTB4aXdRN3JfV1JrRWJzeGJiU0MwVVczVXc?oc=5) · Richmond BizSense
- 2022-08-09 [Virginia Credit Union's three-year bid for expansion is shut down - American Banker](https://news.google.com/rss/articles/CBMiswFBVV95cUxPZzZIOUV6V21ycXBBSVFnblZQM2VJb0x3dmtsQ2U4UTl2SHlmVncxR2R5bTB1azU4OV9aZDNzRmo4MXQ1bXd1WDI0Y2JtaTBmLU14R1VMR3lKc3phYXFSQjBlVXY5WWN3THAwdlp1UFRRbFp3ejNEU1pBSWF6VEN5SGhTM2lNMlpOZkNiRVBxaVktWk5VZ2x6WVZRN1MtSGNvc1lNQXdVRjlWQlJuZkhmVFJWZw?oc=5) · American Banker
- 2021-10-11 [Tripp Vint – Virginia Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE9zWHRfanNONkNXR1YtSW1oclVHY3lxQVphZUhFSUV5MlFaTFpxX19WMlpuVHNfNDVzSkRaTXRPaEZhM2ZoVHptMy1YTWlIX2dybnRSREdaMWkyOG1EUldPTG1DZG43X01mYURMaG9kSEs0TjZaM0V3dw?oc=5) · Blueprint Magazine
- 2025-06-13 [6 Credit Union Rebranding Initiatives Unveiled So Far in 2025 - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxPMTlpTkVHU2FDMTFZcl9mMkFndG1jVFlxWktNRHhwR0daQUdySTI3RVFYU29EOFNEbXAwLVFKa1NjZktQNENMR0FBWGd4aXFxT2JOcnZ0NVVLb3RlVjVrMDZnZmhyMFVnOWdTakR1NGhTS1pmb2luMU9GZTdUendyd0t3MlhpSEpLWjBLU256TmtNZjZuc2xpZ3FYc2dLUQ?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15496 (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/8.json (key "15496", 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=15496
- 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