# TREASURY DEPARTMENT
WASHINGTON, DC · NCUA charter 162 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/treasury-department-162

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 10,993 members of 1,900,000 potential (0.6% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $179.6M |
| Members | 10,993 (-8.3% YoY) |
| Full-time staff | 31 |
| Net worth | $18.2M |
| Net worth ratio | 10.1% (p28 of band) |
| ROA (annualized) | 0.25% (p21 of band) |
| Total delinquency | 0.87% (p67 of band) |
| Net charge-offs (annualized) | 0.49% (p66 of band) |
| Loans / shares | 70% (p50 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p46 of band) |
| Operating expense / assets | 3.50% (p45 of band) |
| Vehicles % of loans | 20% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p36 of band) |
| Vehicle delinquency | 0.37% (p35 of band) |
| Vehicle NCO | 0.52% (p49 of band) |
| Repossessed % of vehicle book | 0.03% (p68 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 10% |
| Average share balance | $7,330 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.0M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $22,316 |
| Loans granted, annualized | $25.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.0M outstanding purchased (11.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 3 | net worth falling, members leaving |  |
| 2020-06 | 5 | losing money, margin squeeze |  |
| 2020-09 | 6 | delinquency rising |  |
| 2020-12 | 4 |  | losing money, delinquency rising |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 3 |  | net worth falling, losing money |
| 2022-03 | 2 | losing money | members leaving, margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | members leaving | losing money |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | members leaving |
| 2023-12 | 4 | members leaving |  |
| 2024-03 | 2 |  | thin capital, delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 1 |  | members leaving, delinquency 2x band, delinquency rising |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 | members leaving | delinquency 2x band |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-06-23 [Treasury Department FCU Names Moreland President, CEO - cutoday.info](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcW13WEIxOUdOTzZxZ2pmdU9Bc3F0OFl1VHFwdUE3azJid3ZETjFSSUVvdTRGOFRYSGR1VGZDckVmVlY5WklNaG9xQUctV1ZDbkNwUWdDZi1XTUlQUHJlLXRlakUxRzh3cnF4RDRJbUd0M0VGcHdPdU9JNWlfRWZlUmNOa2NaT05Ceks3Q3JYQl80ckp0ZHJoenZB?oc=5) · cutoday.info
- 2026-05-12 [White House taps Treasury assistant as NCUA’s next chair - Banking Dive](https://news.google.com/rss/articles/CBMivAFBVV95cUxNdC0tM0VXZEhmcFk4ek4yYVMyZVpPMnlSMk1pMndtWjBFOXVkd1pOeUh6MDR6c0txNlhORGtTS2t2TldzNmVPS0JFeW1BSlhNU3h0MkVCVEU1TG53YXdnSkc1MmVQTWgtcnlCZ2FaYXgwZU56ZERUdmpWY00ta29UZXR3RDF4ekVMbXFtY2NxTWdLNXdkd21abXo5VlNYSU40ejhBellvR0N5RURXeHJTLVJYRFlfNURTZWFTXw?oc=5) · Banking Dive
- 2026-06-23 [After financial agencies’ ‘Herculean effort’ on joint data standards, the wait begins - FedScoop](https://news.google.com/rss/articles/CBMieEFVX3lxTE1NX1FpOWV5VUVmeHBkVElhakRubVRWMFg3Nk1MN3paZGhfbEs2UGp5TTZadk0xZjdxMWV2cGViQ2VpYVdIVUhxZlpFQ0VqQTN4NzgwMnhkUzRMbGRxUTQ1VThDSWY5MGFzQXAtZTRwMlZ5VzFoUk9ucQ?oc=5) · FedScoop
- 2026-08-04 [Treasury Drops Disparate Impact Standard In Final Rule - cutoday.info](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS1NCTDI0S2RzTDlSSE1kNGtTdjlaXzNnak5ST3g0NE5kMEpkNk5TWllQLUFWNnQxTFU4Y1hiZ21RNl9kOGpJcXg5QjZQeDFrWVJoUUxqNWFKbG5ubjlFS21pQktYLUlTazgzbC00X2tIdFNVWGVjV0FoX2t4THNEQ1JwWkc5aGtRbzVvWFpxS2FNWk5TM1E?oc=5) · cutoday.info
- 2026-03-26 [Kitsap Credit Union appoints Shawn Walker as Vice President of Product Strategy - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQUXJGaEJEM3hoRkpPTHJaSkE3RXVmQVFyX3h4XzUyVUVFVVpRUm5aWDAyUF92Vk1jQXRNdGlJQUJna21kZFZvcDhVeWhzMmJEbDJTV2lQYnI0SC02TVNwZ3FVUjZlR0RsY2UxUFRHSEpvWlZrR2hlTEszd2VqUjBrOXVXdkpKYl9tZzRrVXhwVDFTRUQxNTFVMlFXQ2ExSzNBOWNQWlpjNlJTOHZjZXc4dUwxa1ZGZV9yV0ZkQg?oc=5) · CUInsight
- 2026-06-08 [FinCEN urges banks to flag suspicious immigrant activity - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxNUUl3QU5jMzJtRnpNUEg0eEZWTnN5RGhRZWhKc2ZiSEJBRi1LX29xZ0hkRjVucEdFYzRtYW9MQU9XamtISXFJWV9CVHFEdl9NRmI5ckJmX1JCOVNqVWthWnBUSnBJRWFDQ29fVGtPMWRodl91akVrNl9pR1QtbGR4bXFtUjJnYkVPZzliQzZEc0c4LUJnZHhkdGZNNWlxZw?oc=5) · Banking Dive
- 2026-06-23 [DCUC This Week Launches Full-Court Press On Capitol Hill, Treasury And NCUA - cutoday.info](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQUFHeVB1Z3VEREhkQ25XYkFOcUczLUVlbUU4dmlORmNLRGJOb2Y3VVk4VnNfR2RQbEZidHFkQi1lMm1MSS1JTXVsa2c4QWhtMjdXSDdkT3dOZ2lWOTFlQjRzQjV1Z3FMeFNGVF80M3BEOVRhVXY2cDRiNko4ZEpvMTdMU0diSnJCY2hTRUx1SzdBYmEyQUxFY0hxZ2RWbkxsc1E4QmxiZmtuSzNTZE5icA?oc=5) · cutoday.info
- 2026-06-29 [Treasury Releases Long-Delayed CDFI Funds Before Sept. 30 Expiration - cutoday.info](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQa1pBSFZIRjNuc2wtMU5KOVpGRzhfZ0tOSG5ZMmtGNjRGckVOdjM5Y01RdUlVS1FFd1MtOHhVaW5CYXpxcjRLOXAtUVN3R0liczEzYzRfQmlCOTFiLUMxcXlwWFY4d3VnVm8wR0wwVGlvMmpJbEVOQWt0SkhuNHpoYTY5UnNEVlpINjhXbDZoX2Q2SGZNTUJQUDBnTkYzOVFEdVZ0a1FSRkw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=162 (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/34.json (key "162", 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=162
- 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