# DC
Washington, DC · NCUA charter 16411 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dc-16411

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated, minority depository institution. 9,931 members of 1,500,000 potential (0.7% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 73.

**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 | $90.5M |
| Members | 9,931 (2.4% YoY) |
| Full-time staff | 23 |
| Net worth | $11.5M |
| Net worth ratio | 12.7% (p48 of band) |
| ROA (annualized) | 0.10% (p18 of band) |
| Total delinquency | 2.47% (p96 of band) |
| Net charge-offs (annualized) | 0.84% (p85 of band) |
| Loans / shares | 76% (p78 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 1.02% |
| Net interest margin | 4.58% (p90 of band) |
| Operating expense / assets | 6.08% (p96 of band) |
| Vehicles % of loans | 27% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 3.19% (p96 of band) |
| Vehicle NCO | 1.14% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 13% |
| Average share balance | $3,444 |
| Participations bought / yr | $252,396 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.0M |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $8,056 |
| Loans granted, annualized | $16.0M |

## Participation posture (from the same filings)

Bought $252,396 and sold $0 in the latest annualized quarter; $9.0M outstanding purchased (78.3% of net worth), $93,022 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, repo signal |  |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 3 |  | delinquency 2x band, net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 3 |  | repo signal |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | expense trap |
| 2019-06 | 3 | expense trap |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 6 | net worth falling, margin squeeze |  |
| 2020-09 | 6 | loan book shrinking | delinquency rising |
| 2020-12 | 4 |  | expense trap, loan book shrinking |
| 2021-03 | 5 | expense trap |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 | members leaving | delinquency 2x band, net worth falling, expense trap |
| 2021-12 | 3 | delinquency 2x band | margin squeeze |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | expense trap, delinquency rising |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 | losing money, delinquency rising | members leaving, expense trap |
| 2023-06 | 4 | expense trap, assets shrinking | delinquency rising |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | delinquency 2x band, losing money |
| 2024-06 | 1 | members leaving | expense trap |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 6 | expense trap, margin squeeze, delinquency rising |  |
| 2025-06 | 4 |  | members leaving, net worth falling |
| 2025-09 | 3 | charge-offs p90 | margin squeeze, delinquency rising |
| 2025-12 | 4 | margin squeeze |  |
| 2026-03 | 2 |  | charge-offs p90, margin squeeze |

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

- 2026-06-18 [MD|DC Credit Union Association announces Leadership Transition - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxPTkdJQ1dkbjFROWNLY0tMRHdOT2VKSnp3REpjOE9BYlNxOFZ6MWxuSVlJZ0d4VnB2czRLaUZSTTFRSmd6bkFGcGlDNzBkZUs3VXdBYy1KLWRiMzV3ZXF4cnN5c0JNUk5ET2Q3UnZxSnBTWVdXWWdBMW82THluVUZnTWpEbnhGN1V3UzR3Z0ZGR3pHVnU2eHlJTUVDRHpTR2Q2SndN?oc=5) · CUInsight
- 2026-07-31 [League of Credit Unions Pursues Another Major Expansion With Proposed MD|DC Merger - CUTimes](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdHAwSmxQNlNYLWViTFJrSlBZaG9LRUFiU1VlVDc3OEpnNHltVE5rQjFFNU55VjFRMVlBTjlwaXFCRTV6YVlLRDAxSmpCdUNWbjhPNUF0dmZWWjFjR1d1cHVhaW8xeUFqM0FndU9pRDZVTUY5YzJWQlN0ejVwc0lhN2ExNmp1WkROTlJlSVM2cDdnN0NPcGtRZDlrOTRqWXR1RE03R25R?oc=5) · CUTimes
- 2026-04-08 [Washington Spirit Announces Partnership with Lafayette Federal Credit Union - Washington Spirit](https://news.google.com/rss/articles/CBMivgFBVV95cUxPXzFnWHFLM2JlMmtZd0lLaGRJTXpWOTNDbHk2dHVCUzQ2M3hDVFQ0cWIyZ05OelJHdFJiT1lOMTE5VGFmWDJfU1A3ZkFULV9QQ0NEcm5vNGpyWHN3VlhtdTRKNmpPNVpfek01ME5LcnpQR0kzc1F0d3BVYnA3VWR6WDlMbEdKb19VUUUtVWUtcVM4NTkxZVVpQVdqbWRTUER1RVMxNUlDOVlPWEJDMDVvU3JLa3NhTXYwYllsNzJn?oc=5) · Washington Spirit
- 2026-07-10 [Park View FCU Names Veteran Executive Hina Khalid CFO - cutoday.info](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVGRfX1JtdndaVzhwYTlJVkJyUGdKdVhqMEZtRkh4NmFha0tEU0N2Q2E3Qmt0YlAyR2piY0JFaGo1N1NaQ05GYVlTLWxqSXozYktTbk5JWHFFdWJrOF9aYWtyQXVENnlZTkNvYktST2Nwam5DTm5RZTFzc2ZwZ0hsaTF5d21XY05vV3cxeXA1VFJOUzZwNkVPSHZYbjl5c1dwQWc?oc=5) · cutoday.info
- 2026-08-24 [Cherry Blossom 10 Miler 2027: Dates, Road Closures & Route - Cherry Blossom Watch](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5UZWwtTWttdXdpT1l2R3dxYVhNRGRmRTE5NXhrUDh2YXhkeVlPWWVKRFhFME11RFpheWw0ZkdZZkJLcy1ReDdhWk55VEQ5T2s5OEhWQzZSU2lySlp3ZVlpYng1U1hRQQ?oc=5) · Cherry Blossom Watch
- 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
- 2026-04-06 [Credit Union Support Tops Washington, D.C. Agenda - BECU](https://news.google.com/rss/articles/CBMifEFVX3lxTE5XY0YtdjlTVUVmSVJ1TFY1cFlwTjQxTUxwa1dJZUwyVEhLQTN3X2hzX2JCRDRmWk1qbzBVV0N6dmZJWHJmNHJGU2hqQzRNTzZNY2tYNjVLeWlnZ0xsWEtQOEJNbzdERllzdERodW1RUmtHcWJOQmRyNzdvT28?oc=5) · BECU
- 2026-04-07 [Credit unions partner with fintech to compete with big banks - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVUl4T1hmZGhYZEN6WkhmVzY1YVdmM3o2YWpxdTExZ1VGN1hZTHBmV0pjbmlxQlZfczhnek5FYkV0Z3c2M3Z5czNRYVR5QTJldFloVURwaU0zYzBES3VROEpTcDZnS21jWkVPbU1jcmxsWnZocEMzdTBuaGctTDRiS2pQczh3bGs5WXBRR29SRzk?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16411 (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/27.json (key "16411", 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=16411
- 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