# GEORGETOWN
WASHINGTON, DC · NCUA charter 16046 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/georgetown-16046

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 2,232 members of 15,500 potential (14.4% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *too clean*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.2M |
| Members | 2,232 (-9.5% YoY) |
| Full-time staff | 3 |
| Net worth | $-59,779 |
| Net worth ratio | -0.4% (p0 of band) |
| ROA (annualized) | -8.30% (p0 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 2.74% (p98 of band) |
| Loans / shares | 33% (p25 of band) |
| Cash / assets | 50.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p68 of band) |
| Operating expense / assets | 11.66% (p99 of band) |
| Vehicles % of loans | 57% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 1.45% (p95 of band) |
| Repossessed % of vehicle book | 0.37% (p98 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 39% |
| Commercial % of net worth | – |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 5% |
| Average share balance | $4,047 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $5,968 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 4 | assets shrinking | charge-offs p90, net worth falling |
| 2017-06 | 3 |  | assets shrinking |
| 2017-09 | 4 | net worth falling |  |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 4 |  | delinquency rising |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 8 | capital below 7%, charge-offs p90, assets shrinking, members leaving |  |
| 2018-12 | 9 | net worth falling |  |
| 2019-03 | 7 |  | charge-offs p90, net worth falling |
| 2019-06 | 8 | expense trap |  |
| 2019-09 | 9 | charge-offs p90 |  |
| 2019-12 | 9 |  |  |
| 2020-03 | 9 | repo signal | charge-offs p90 |
| 2020-06 | 10 | charge-offs p90, loan book shrinking | repo signal |
| 2020-09 | 11 | net worth falling, margin squeeze | assets shrinking |
| 2020-12 | 11 |  |  |
| 2021-03 | 10 |  | delinquency 2x band |
| 2021-06 | 10 |  |  |

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

- 2026-05-11 [The Must-Read Stories From the Graduating Class of 2026 - Georgetown University](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdlZReFpUaEdtNTF6bG0wc0E4TEhhVzkzNFZZT29TQTVadDhyNmxkQ056WjFZUkdvMTFiTXlfWVFXREFYQlpDSXVvdkQtM3hYQmJxWEk2NElJTkdXQ1YzSl9aQWZyNEh3TWlVaVNLN3gtOFBxU0dlUDJrY1B5emRoUW9NazFuaVlLX1k2aHRHcGZTdw?oc=5) · Georgetown University
- 2026-07-14 [PAHO/WHO FCU to Change Name to Bienestar Federal Credit Union - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZXgwZTVnUVM0NEpqUldGTjZjOWFLMlMySkZvRzVTb3M0YkRsRExnb0QyNDdUZUxfTlFzUFpQREFFdUt3RTRMUTZxczBDWXM0TnQ1Tk81M0dJVGVKbDk4eVk3RkZjTWR2OUtCbFdxQXhnSFpZQ2ttclgtU21scFFUb1NzWF9tS1VQMldHSkFQeVFxNXVWNTU2Ukc3akQ?oc=5) · CUTimes
- 2025-10-18 [Patriot League Football Saturday Recap presented by Credit Union 1 (10.18.25) - Patriot League](https://news.google.com/rss/articles/CBMivwFBVV95cUxOaE1tX2d1Rk5vWGZtMVRJZ0RzemNJSDJhWWtYM3BvbzJsUGsyVHpfQmtaTWlxdW9XLTBoV2E5TWFhSHhOQTBKbnJNVl9SR2wxVFMzdkNoSFBYbmw3WjUzdzZyLTM3SnJXMm5HcDB1S3BYSmEtQUZJYVNKdDRveEh3VUFhOGJDMnllbXh1X1BpZzZSMFdNdkFMTkgzTzFRT1FjVV9EZGdoYXFBM1MzVTlqZEVzU1VTTS1OMUhfUm5rQQ?oc=5) · Patriot League
- 2026-04-08 [Seeking a Place in Academia, GU Adjuncts Struggle to Make Ends Meet - The Hoya](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdEJXZnJOeGpaRG1jdThoQUdCUlhBYXMwS21YRGtVSS1USGZmbFNRb2tfejhEQVFQT0h0VDBVTjRJWE16ZDJneW5zeUJPQ2oyXzQwV18zRFNNM3J1NldkNzg3aHhwSjNfMmpZYzh4LTF1QzRCd1FKTTR2R0pxNWpTdFh2anludV9iZlR0OGE4SThvS095RmVjcUxnLUI?oc=5) · The Hoya
- 2026-02-03 [Milan Meets Georgetown: Step Into the Dreamy World of Sourced by Scottie - WJLA](https://news.google.com/rss/articles/CBMitANBVV95cUxQT3FzZlluTEJZams5T25ZVU5ncVEzTHMxZnN2TWJJOVp2anM5cDExTU9yMTZUUW5Wd3hac0pQZ3RQOEt6UndITFhudjZYNUxfRkVaZ0k5Sm8wRWM0REZzZTM3Z2N6Nmc2bDJDTWt2a2x2N19FX09NX0FjRktnc2lZQVNXQ2Y4cm81SDVyNkZ4NjFnTXJmZDYxczd5NVBmY01Pcl9ZbFJ2RnFKckpiRnFDX0VNQkhJcHJUQ1QyM2p4T0FlM1pleDJZaXNRRzlSeGNxR1g5d3gwTGprMGJSM3QyZUE0U290bWZLMmZWUTJMQ0pCYUZ3VGxJcjBKVlVXLXMwbWpZdlI5NEktZTlIU0JHQzBndWRzajByNFVVRG1kUi1OdVdGSFY1d2luWWJsNklEOUFhRFpvWlpZekFWMFN1eTViYkFlVVFaOEdmNzBPUmVfVndBUHp3MEtMUEZwWmd4ek1XSkMzNmVaMVA1UmZ5MlVFRG5wZjNnM2lWTGpXOFpGazBBLUF1Ukw1ckIwQU1xbG1fcTBiLTVpdVlGblRDSHNlN3VVeXo1QmE0R3lJdHp0Qnln?oc=5) · WJLA
- 2026-07-22 [28 BEST Free and Cheap Things to do in Washington, DC - Destinationless Travel](https://news.google.com/rss/articles/CBMifEFVX3lxTE1oNlNvWXk2bUc0SENZMUo5bFhSMFMzTmR1YjhjNF9VcG51dG00MjBEbmpsY2xSUWFtd2MwX2sxRkExWHhQRmg4V1JHcTd0Slgxc3JoUDVpRmR5TV9Qcy03SjRwUUVOZy1hT1ZRc05wOEVKNm13UWt0cGJob2s?oc=5) · Destinationless Travel
- 2023-11-30 [Working At a Bank For Free Is One Of My Favorite College Activities - Georgetown University](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRWlTYjlOZmlrWGhHZk56TS1oS2JZcHg0cmpQekxMZGplU1hqSTFwOVpQTUJHRlo1bFZDQ3d5SmhXWU5oYXc4aUM4TFhNRW92OVZYc29tUUR2OUNDdF9aSjIyand2N0RCdXhWRmFHaUFfQU1OQlc3RmhfOTVma01zUUxHb3pnOF93OFYydTFEMnhOLVdQZFdfd0FxanI5VUNfLWc?oc=5) · Georgetown University
- 2014-08-31 [No. 9 Georgetown Ties No. 1 Notre Dame at adidas/IU Credit Union Classic - Georgetown University Athletics](https://news.google.com/rss/articles/CBMirwFBVV95cUxOdnVqbFBscEI5VHVlR2t1OTlBMVNOSV82ZTZGVG8tNm1YVUVRa0Vkd1oxbWNXRWg4d1ZoYWlOR216UUtkSndPVE9BT3ZhTmRtRU9mbWlkVE1EcGlCZFpfNnVlZUxVdVZCWkJjc2NFTFd2cGg0ZUp4WGV6dkRQS19CbUFCUnNhN1lqekxwUXdVNXAtbVc0SWR2em1fUktKSVFjYWZNWEZTNnpXRThTQ2NB?oc=5) · Georgetown University Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16046 (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/46.json (key "16046", 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=16046
- 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