# POLICE
UPPER MARLBORO, MD · NCUA charter 16401 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/police-16401

Who the members are: federal charter, government (single sponsor), organized 1935. 13,960 members of 62,000 potential (22.5% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $175.8M |
| Members | 13,960 (0.4% YoY) |
| Full-time staff | 39 |
| Net worth | $25.0M |
| Net worth ratio | 14.2% (p78 of band) |
| ROA (annualized) | -0.03% (p9 of band) |
| Total delinquency | 0.41% (p34 of band) |
| Net charge-offs (annualized) | 0.12% (p25 of band) |
| Loans / shares | 79% (p70 of band) |
| Cash / assets | 1.5% |
| Borrowings / assets | 3.61% |
| Net interest margin | 2.54% (p5 of band) |
| Operating expense / assets | 3.76% (p54 of band) |
| Vehicles % of loans | 29% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.60% (p53 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 31% |
| Average share balance | $5,723 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.1M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $21,265 |
| Loans granted, annualized | $30.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.1M outstanding purchased (16.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

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

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

- 2026-05-06 [6 Credit Unions in 6 States Appoint New Leaders - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVUxzbWJVY1J2dFNRRzBsYlk5RE5wM3d1bjlvWnA4N2VGV0FoamhmTXhleXZ6MjN6dk90bHhKV3hWSXE1RkdZVk1ESV9TVnZNVTVpZ2tDeVpULVZKRnVjUXhFRmcyb2xja0NuTFFhblVHdUd3SVEzaFFZa3dGZWo4S1NxLVd6aGNHc1BN?oc=5) · CUTimes
- 2025-11-04 [Suspects rob armored truck outside bank in Prince George's County - FOX 5 DC](https://news.google.com/rss/articles/CBMiogFBVV95cUxOcERSd3hjN2xVeU9paHo4SThxRGRGSFBFelRNMWQyc1ZKeHZ4TS1Gd2dyc3JwNVc0bmNOQVlIaEZLdjFwaHV1S1VNcnltNEFZR2VfRFhSZS1kOFVhdXpSZ0s4ZHJxbGh2Wlh3TkVYM2lDM085cEJfSGdkb01HNU1IMEQxVUJLU2hsQlpZMk1lclRyTjc4Nk1PSnRXR1RndVllMVHSAacBQVVfeXFMT0N0U1NWVVNSSm1nc1otN2dBSTR5OEpTMTJqYTVyX3liUDYyOUVTY0ktMHRCSUlWZWFFaWhOWTZJZWZiVGgxekFRNk0zNWlSNlQxZGlkcU9XWG1XX0xwVEhxNTlLNFhBU3VRZjJUenVqYmVOcnJtaG1CcG9JQTBiVWxFZFFpMlRWQU1VS3pYdEhsQ2ZTYW1IbGhCMUI5eEIwV1BYeXVpWUE?oc=5) · FOX 5 DC
- 2025-11-03 [Thieves wanted for assaulting armored truck driver, taking money at Maryland bank - nbcwashington.com](https://news.google.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?oc=5) · nbcwashington.com
- 2025-11-04 [Police Seeking Armed Suspects After Brinks Armored Truck Robbery in PG County - Southern Maryland News Net](https://news.google.com/rss/articles/CBMitwFBVV95cUxNcWxxYXROYVg0UGFaS0ZhSlJfT3BYTC1lVEhRM2pidllBX3hqbzhfZldPdU5JM1U5QjVqSUFTY1RDWTkwTDZQTU5iOUR2WnlpeFd4cWRsTUFMZE9oX29mR1lTN1pGZFQya0lmSWttRUlzZFVIZHBUZHdNeUt6c1FRUkR1bEVRN0ZIRldoTVJOQnlUSHJraFZiNEZRZEhwRmtXNTBNNXduSFdfYjRmUU1hLVZZTzZHU3c?oc=5) · Southern Maryland News Net
- 2025-11-04 [Brinks Driver Pistol-Whipped in Clinton Robbery - - The Southern Maryland Chronicle](https://news.google.com/rss/articles/CBMingFBVV95cUxOdGsxemZrUTZ3MWtsVG50ZlBEWGJHT3VRcmlGa0lGNFZRMXVValNURmlDTlV2N2dYcHRmWEt4N2pqcnp6UTF6dDZEdTBsNzlocFhRZk9ZZUdmSWVQQWFMYUpVNGxBemFiTFhENktDQkJBUXdRRHNDSWl4VHdQbmZJc1hUY002dXhTLUJLOFAyQ083RGdJM2hkSm50SFJmdw?oc=5) · - The Southern Maryland Chronicle
- 2025-09-29 [2 former Maryland police officers could face up to 20 years in prison for bank, insurance scams - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWDJNLTNrZExRd0VZYWpLRmdCMGpIU1Q0UU54LVFHWkZDTEo5dU1wdDZUMlRaMzY3YzlqWUdLTk9BamhEcXU0a25pSHh3OWF2a3hERXBCbjRUaVQzbHlYQ2V1NHRDWFEyRWpYTnpQOUpWOFYxVGl5b2dRWmRZZGs3ekhrc21jTGc2OTlMRW96WnVkYlVJd1ZiMjlR0gGfAUFVX3lxTFBNOW5oM0xkZkVSLUJBdDFkT095eEo2dGpQXzludjdWQ0tIeXFEdlBGTExLdTVXVlRacU4zQ1hxUXQzcDd3cTFJUGpESTRJbVp0alFJcWF5OWxyWGNDVTJER29Ud0JLTlhmNWRBWEw4YmVjczBIMUdnSFF0LW55dFRaS09yZnlqV2RuR3JPc0hTY0NzQ0dKNDliWHlTUmh3Yw?oc=5) · CBS News
- 2024-06-18 [Police search for robbers targeting bank customers in Annapolis - WMAR 2 News Baltimore](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaVFoa0VmTU4zdWhEbVk0SjY2WXAweFVCMGRsLUduYmtmUnZCNXFUM2Y0UGs2XzA1eUtSaDU0ZDVwVERoYUs1NjlaX0VEU2dMcDB2d2pUNUR0V3dHTFQxQlNPcUtoLXI0b1BfRjJycnl3MmxBX3lzUU0tQ04tMTNidDMxbEVVaWtDSDlrSFdvZzVsVmZtSnMwRGdXNFU?oc=5) · WMAR 2 News Baltimore
- 2016-08-08 [Police seek to ID armed suspects who robbed Ellicott City credit union Thursday - WBFF](https://news.google.com/rss/articles/CBMitgFBVV95cUxOS2xSdGgzVUZCSjZTWjMwMWRiSG93eTdhMjFBU1lRUWdnU3IxMVhaUENoMTZ0ajdHZGhYOXZqVkRWcHZjcFpIS2pJMVBFQ3lCOFZNQjdtZlEwTzBaU3ZpUnBOM1FKSldodUNrVHVrTDBjaTN0X1FiN1JlU3VQOXBqT20wOWllTWZaOFNpdVIwSW5HR2pMMU9mUGlwZFlmMFVINnZVOThXMmZGTms5UUpuVDBEX2xEUQ?oc=5) · WBFF

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16401 (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/17.json (key "16401", 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=16401
- 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