# ALLIED
ARLINGTON, TX · NCUA charter 17100 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allied-17100

Who the members are: federal charter, community charter, organized 1965. 8,301 members of 424,000 potential (2.0% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $135.9M |
| Members | 8,301 (0.6% YoY) |
| Full-time staff | 26 |
| Net worth | $15.8M |
| Net worth ratio | 11.6% (p49 of band) |
| ROA (annualized) | 1.70% (p92 of band) |
| Total delinquency | 0.27% (p21 of band) |
| Net charge-offs (annualized) | 0.43% (p60 of band) |
| Loans / shares | 46% (p13 of band) |
| Cash / assets | 48.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p70 of band) |
| Operating expense / assets | 3.47% (p44 of band) |
| Vehicles % of loans | 59% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 14% (p44 of band) |
| Vehicle delinquency | 0.27% (p27 of band) |
| Vehicle NCO | 0.39% (p42 of band) |
| Repossessed % of vehicle book | 0.30% (p90 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 3% |
| Average share balance | $7,785 |
| Participations bought / yr | $370,092 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,567 |
| Loans granted, annualized | $21.0M |

## Participation posture (from the same filings)

Bought $370,092 and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (11.1% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | capital below 7% |  |
| 2017-06 | 2 |  | capital below 7% |
| 2017-09 | 5 | capital below 7%, delinquency rising |  |
| 2017-12 | 2 |  | capital below 7%, delinquency rising |
| 2018-03 | 4 | capital below 7% |  |
| 2018-06 | 2 |  | capital below 7% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 4 | net worth falling, margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 7 | capital below 7%, losing money |  |
| 2021-06 | 7 | members leaving | net worth falling |
| 2021-09 | 6 |  | losing money |
| 2021-12 | 6 |  |  |
| 2022-03 | 7 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 6 |  | net worth falling |
| 2022-09 | 4 |  | capital below 7% |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | members leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | members leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | members leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | assets shrinking | thin capital, auto monoline |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | repo signal |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | repo signal |

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

- 2025-01-23 [Google Wallet adds 22 new US banks: Is yours on the list? - androidpolice.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB4SVVIaXJ3ZkthMF95Z291WnR6eHZhQkdSUXpjaUQ4RTEyYWN5bWYwdlFIMHo3WkRnQUZwZmMxX0tHMmJrUnlWUmlpa2FTZ3N6eEVuUUNiSjhaYTZBOUtOZGltRlpHd1Fmckl2aGV5RmJXbThYbTBYc01iQ1pWS1k?oc=5) · androidpolice.com
- 2020-10-27 [Navy Federal Credit Union NPS & Customer Reviews - Comparably](https://news.google.com/rss/articles/CBMia0FVX3lxTFBTOGV1NGFvTVJUWGdvUVhKc2dnWktZODNWcC1ZRzJFVzBHTHdxVEJfSjVIYlllV1NVY0lxbEdsdU1yVlprUUx1RG96Y3Zna1BVcEd5bVRDanBMWFVYZVp4b0VvMlFzVk80UWQw?oc=5) · Comparably
- 2010-07-01 [Head of Allied Home Mortgage Has Had a Bumpy Journey - propublica.org](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZTdjcHpZaFVyQVRXVkhGdXF1djN5b3JWdEd6UFRpdUNyYzF1MnpLaDQ1dGF3bUpOcURGMDRfNFE4eVRTd0JsSFNBMVJKbTA1b1gwVGE4QmtSNEl3MmhoTkRFMDdVRXVJZ3BFNkVjaWlfTnpwcWd4eEk4VG83ZHVkVXp5d2tPME5GVEdZQWJCNzM?oc=5) · propublica.org
- 2019-10-14 [Mortgage Tech Rundown: Finastra, Mace Innovations, and American Financial Resources - HousingWire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOTVBocDB3alpHeVJvcVNUd2tlRE9saF9Tc09uTTJIUkctckljVnlUTUx1N1ExbFZ0Q25IS1M0U1NnM3FrbERLVDE2T0xLUVE4UGlURUw1NUpXcTctMnpEenB0T3VfTXpCTEhmYmVKci1ZemZDQ1c4aTJDNlV4aW1ENE1kTGJBZm5qaDFPTFhMSGJQbUFvdlNjYi1RellwTHJ5WlNvaVRETTQ1S3pRVThxYThjU3lrVFNHMUE?oc=5) · HousingWire
- 2025-05-20 [Court news - therepublic.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5CdVNlRGxiZjdjWGdQWlpvek1RVHdDMDFpLXhZWHNIQkJOcTY1cWhsMXd6Vlotc0ZIcWFmcE1ZZVBybXNLa19hSFhOemlobmZUZjk3SlFsdF9qN0t5VTROZGJTdw?oc=5) · therepublic.com
- 2015-12-10 [5 photos: Demolition begins on Downtown Hilton - The Des Moines Register](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTUdQcnRLRDJrVVNsWnFnZURSVFI1TEFxcWdiREFaQ3B4WGZRNWdsclJ5UFhWZG9hd3B2cGhwMnM2QXNSYnR4eDJWN3BiQ2ZNQmtXZzZzcF9NcWRfZ2N1N1o2Ml91S1k1UE1DdzF0SU4tQkNZQjQzMzVHUGZxaVlreVVBandhN25qeWpTQ19nWHVjTWxnSWx3b1hSLXo3VXI3Wk41bTBuOC1sTlpfQXBvZ3YtZ1AtakVfSW1JWkdn?oc=5) · The Des Moines Register
- 2021-11-23 [These days, Capitol Hill townhomes aren't for living in. They're for lobbying. - Politico](https://news.google.com/rss/articles/CBMiigFBVV95cUxQclhrMms5RElWVlRzQ2NJLWlZSS1naFRIOS1wdXgtdVYxZm5oYm1DMms4czE1RVlYc0hYaUxQMzFERUVJejFyTWFCUERnYV8zWVRNa1NTN1NmMlhiZlU3UzBCU1lScnEwRVN6S3pnN1BPWk9Sa0ZYbXRJN2lUZnVacWNUVkF5bU9PYWc?oc=5) · Politico
- 2019-04-29 [Status Update: Need a job? Allied Universal recruiting for security, HQ roles - Orange County Register](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSjdhLVRpTUxqUk8xeE0wWGwzUDJWRGpPcC1XREJnV0JVTzFZWWptMzllUUsyRkVoX25VTDFSNE9tRDgwcndNa3E1UW9KMUE1eG5kci00T0h0OU5IelRNNm1CRHpieGtwaFFMTm9yblhsNERhODVzMWJibm1ndEhoTU9BX1YtYjEtaVRPOTRWc2huZXBNdWw1WU0yWWpidlJBUEZ3SQ?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17100 (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/12.json (key "17100", 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=17100
- 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