# NYMEO
FREDERICK, MD · NCUA charter 16408 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nymeo-16408

Who the members are: federal charter, community charter, organized 1964, low-income designated. 20,941 members of 3,633,800 potential (0.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. 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 | $408.5M |
| Members | 20,941 (-0.1% YoY) |
| Full-time staff | 72 |
| Net worth | $44.8M |
| Net worth ratio | 11.0% (p46 of band) |
| ROA (annualized) | 0.82% (p59 of band) |
| Total delinquency | 1.07% (p82 of band) |
| Net charge-offs (annualized) | 0.47% (p59 of band) |
| Loans / shares | 75% (p50 of band) |
| Cash / assets | 3.7% |
| Borrowings / assets | 3.18% |
| Net interest margin | 4.10% (p82 of band) |
| Operating expense / assets | 3.66% (p48 of band) |
| Vehicles % of loans | 13% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 19% (p31 of band) |
| Vehicle delinquency | 0.28% (p25 of band) |
| Vehicle NCO | 1.57% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 70% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 25% |
| Average share balance | $8,135 |
| Participations bought / yr | $0 |
| Participations sold / yr | $78.2M |
| Participations outstanding | $4.1M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $28,620 |
| Loans granted, annualized | $165.9M |

## Participation posture (from the same filings)

Bought $0 and sold $78.2M in the latest annualized quarter; $4.1M outstanding purchased (9.1% of net worth), $6.9M sold and retained. Sold in 8 and bought in 3 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | delinquency 2x band |
| 2016-12 | 4 | delinquency 2x band |  |
| 2017-03 | 3 |  | losing money |
| 2017-06 | 3 | margin squeeze | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | delinquency 2x band | margin squeeze |
| 2018-06 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 | net worth falling | charge-offs p90, delinquency 2x band |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | losing money, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band, delinquency rising, members leaving | net worth falling, losing money |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | delinquency rising |
| 2021-06 | 1 |  | margin squeeze, members leaving, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | repo signal |  |
| 2022-03 | 2 | net worth falling | repo signal |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | repo signal |  |
| 2023-03 | 1 |  | repo signal |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | repo signal |  |
| 2024-03 | 2 | net worth falling | repo signal |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 0 |  | delinquency 2x band, members leaving |
| 2025-09 | 1 | delinquency 2x band |  |
| 2025-12 | 2 | net worth falling, leaning on borrowings | delinquency 2x band |
| 2026-03 | 0 |  | net worth falling, leaning on borrowings |

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

- 2026-03-11 [Maryland credit union expands into Greater Baltimore - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPLTlWQmxWMVBRVW1CZVlGSmNFSk5OXzB1b2VrdmVmRTJDbHVyZHhXQlQyRUVhVlFONmRtQ1BNLWhEY0dGQVdPZEVXaVZSVElaV25kbzlKUWdZOEJNSlRjQktJWU0tR1lwR2VoXzhQMUFlR2FGel9ib2FqWHpoUVc2Nm5FZmtfczVwUjloX0JBTG1KNDVkNTUzMndDamxXUmpMaVlBZHNEZHRfSWpxeGc?oc=5) · The Business Journals
- 2025-09-03 [NYMEO FEDERAL CREDIT UNION - Maryland Daily Record](https://news.google.com/rss/articles/CBMidkFVX3lxTE9uNEFnY3dqMk9QZDEzRXRnR3dVQVR3SXhzUUJ6WXIzRVNwV1hWRkhHR3lieE94ZzFaMktGVWdWN3FYTnV5WmduUUI0VVhFVFU4VEk1VUU4NThfWGVrd3ItemY5cGY2eFYzSll1VUVwWWZxdHVfUmc?oc=5) · Maryland Daily Record
- 2026-07-16 [Nymeo Federal Credit Union Partners with NAWBO Greater DC to Empower Women Business Owners - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcGd4TGlLVElpcXhCTEhmdzVTNmR2WHpJVmtZdFF3R3RMbzMwN3EzOVBLN1BNS3g4VkRYMjZRaVI0czNFRXNCU0cxWko4U0NZSEdUcTB6SVEyQUoxWUE3MWpEREhfNmZKLUREOXVSMW16VjlhRGJTNzdLMGk0RGVULWw3NDdvX1I2ZER2amVSa0hnUDVZOHdhcHExczFWUkRBS2I4SWFtNzRVWHBocVIwSHVPdWRndGV1eVR3ZGYtQlF1QTk3Z3BhOWV4eVRSSWtlNlhBbDhRMG1WdDlFZ1E4?oc=5) · PR Newswire
- 2026-03-06 [Credit Union receives approval to expand into Pennsylvania - ABC27](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcE1EekhMbmpBQ2kzbWJLZEZYVjlwVnVHMGpEbERFekFvd0ZZMUU5MmVkLUJJZ1hia1NOVVhOQXk3WnFzOG1MV0NlV2pZZTJXNDVuUmpnQ0JuMk5QUjdWSjFqN3lWWUZNd3VCVXAwcG82QUJtQ2wwUko4d0ZiakRXRnZXWndBZmtMVi1pSVdYeUZMRTZCdGFv0gGcAUFVX3lxTE5ZWWFQMDVmb1ZxYmloWkpfQTRKOE16REVQV2RkbDFtX3o2bVd3dTNGZE1hVWJxTmZOd1VCWjBLS0cwZll2azl5NmhST2FFYnRGQ09vN1U5cnc1WGdnS200UGp6RF9tWjZDN0oxUnhDZk03UEZxYkV5ODlacmR5SEVjcV9pSFNrdU1fNEhZYmRNM2Y1TWh1YllYSUN5aw?oc=5) · ABC27
- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - americanbanker.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · americanbanker.com
- 2024-09-04 [Nymeo Federal Credit Union - Maryland Daily Record](https://news.google.com/rss/articles/CBMidkFVX3lxTE1FZUVXRTRid1o4dWhXM3BVSWtXVUVFY0hGdzhOM0hsMUVjVXlLaVRwZUtaYlBhTGtYNXFmbzZzcHZxUDRBbzB3M01zM2FHNXNDZmpITHg3ZDUxa0RRU1p3WGhXSW96NmV3RTRpVndudVBmeXRTanc?oc=5) · Maryland Daily Record
- 2019-01-25 [Credit unions, banks offer shutdown assistance to federal workers - WTOP News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUmdNeEFaVmpucHhDZ1RoTmVEZ0lvYi1OUXFkWFZZUFY0Y21uU3gwYy11aGdxVVhVRkdQUzBNWW5YWnpTU0FYTi0tTFBnT1hxbkNiVHlpbG1BaHZ1UC05S0Q2eG85LWxHTWxReGhBczlDdTVieWI0ZEl1UXJLMGFlM01QVWhnYjZsSjRWX1FhMVkzR0dKQXBfN0tLOHNVQU90dVB1QjFDY1g?oc=5) · WTOP News
- 2017-09-18 [The Best Credit Unions to Work For - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdUU3RUxRM2dmV3l6MzBZM0ZhV2I0NkdFOTN5RWYtV2ZzWERkbHNDZTYzV3ZSa01GZl9jc01QVVl6WEUyMHlHUXdpSmJyQnZaV0k5T1JfN21FRFhFcl84akJ6Z1lPNGFaUXlaUGRpb1AxUy03NUF5a1RuT0tPOXlmQVliYkIxSmJJWVdTZnY0cnlsNm5Ra0V1Qg?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16408 (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/24.json (key "16408", 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=16408
- 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