# PRINCE GEORGE'S COMMUNITY
Bowie, MD · NCUA charter 18271 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/prince-george-s-community-18271

Who the members are: federal charter, community charter, organized 1967, low-income designated, minority depository institution. 19,713 members of 966,000 potential (2.0% of the field); checking penetration 89% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $331.1M |
| Members | 19,713 (-0.5% YoY) |
| Full-time staff | 56 |
| Net worth | $44.5M |
| Net worth ratio | 13.4% (p77 of band) |
| ROA (annualized) | 1.03% (p73 of band) |
| Total delinquency | 0.86% (p71 of band) |
| Net charge-offs (annualized) | 0.37% (p48 of band) |
| Loans / shares | 69% (p39 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p82 of band) |
| Operating expense / assets | 3.70% (p50 of band) |
| Vehicles % of loans | 23% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.55% (p49 of band) |
| Vehicle NCO | 0.30% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 22% |
| Average share balance | $6,416 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.4M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 39% |
| Average loan balance | $16,993 |
| Loans granted, annualized | $60.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.4M outstanding purchased (14.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2024-08-01 [Greenbelt Federal Credit Union Merges with PG Community FCU - Greenbelt News Review](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQUJ3YkowZjBxb1I1elZxRWVQOHJHWFYzYzdhRW1pNWEwSC1tLTNOaHV6Zk9xVjExaGdTQjhqazB0M2V5eGlNMmd0Q0xYMUtUdHlqVDNZOXhpczVBLS1XZ0VFLXd2VG90am53b1h2RDBlVExFQzMxb1hGSlBWdURSQ1NuTTY5YkhzZXJwRXhVZTk4U3pNU3VhYy1NWUtwdk8tdF9iQ1pFMmZ3enh4Z2c?oc=5) · Greenbelt News Review
- 2024-04-10 [Jeffery Miles brings 30 years of experience to PGCFCU - Maryland Daily Record](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZWlUVmxQYnE0SWhEVGwwcGdTbk5kVDlYNDBOUGxWZUxtTmdwWlU1NENWaVZXVE1fLXJrbWJod0sxcEJmbS1qczlsRGtnN09CeUxIanVDTEJ4RHJvbTdFV00xc1U5MU90STQ0dGZ3Zk50Z1RIVkhFaGxPd2w0Wmw1V1Rxb1puLUZaNHZyZQ?oc=5) · Maryland Daily Record
- 2024-04-22 [Prince George's credit-builder loan match program offers some residents free $500, boost in credit score - FOX 5 DC](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMlJmMnBuQkdpbllrMGJhVGJDNHllaWNoMmlNUWpwVWVFLWZkcFpHMS14bEg4VVlkaXcwTUN4bmd3QjM4aEUxZTlsZ25IUnZtd2dsX2ZkcW9xTDFlNFpLTmZ1ZW45b3ZVVnk4UWNydm92RkRTMkpUMHlnTHNGU2NBaUtlSzdISmI3eUVWX3BSb1R5cjJ5cVHSAZsBQVVfeXFMTk1vbDhGcW9zSWNfQ1ZXR0ZRSEtQUC1nVkc4ZUQwWC1oVU9RNEpOX3owQjlWNjNMWHJfa084VWRfcElIajE5eWw2TEI2eUx3ZThyQi1pS3J2ZmEyMnpUY0tnY1VCZ1hiaEJoMkRsWFBqQlpBR3pmbHg1c0w2cV9pVWNQRW9tV1JyQWJmaHBxTDRKX0ZKU3pEQi1OSTQ?oc=5) · FOX 5 DC
- 2025-11-19 [Bowie State Alumna Patrice Jones Blends Creativity, Career and Community - Bowie State](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNDJuQ2ZBbWNZZzNwYmF1OFVJcEtRbXM4eEJBZUFvNkcwVVgxUGhnQkVZVEUzMW93by1mN0ljRHp0am5MN0tLSnlnOXY3a2J4Zk1PMEtnc3FDOE1CUXZkSmVwMGFVUkRkUkE5dm1xSk1SbWFsa1JBeW96WUhXcTNjTUw1eWlqUlI4YTJLNzU4TGNuZVJfUlBTMTNfbWdNM2VZckNuR0hpVWtiYXc4M3doOWRWMXA?oc=5) · Bowie State
- 2024-04-26 [New plan could help Prince George’s Co. residents boost their credit scores (and get paid for it) - WTOP News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORmZyZjhERllVWjlLMTh3YldSaER6WHhXaFcwTkJaWW02Z3RIeG54UGk4X3ZZczVwTWpvVFZ2dFNZeXJSdWR3OUFyRzRtektUdmU0bC05cWREU0dWQm9jdzJzSFFGWkZlanc4QlF3Y2RERzVkODZmUlZDcTlFSGJUeE1uNEFGdEVLS1VTNVdpQ2JHQnNtV3JnVDZpdkNMaDU0THl6VVBTUk0wYTYzVEk5Ym12YTFJbmdaQ1E5VUlFQUxLRFNZeTgwa2FsZ0tfVDBQ?oc=5) · WTOP News
- 2013-08-28 [PGPD to Hold Child Car Seat Check in Oxon Hill - PGPD News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOTUEyclBwOFhDcFk5alp4ZnBEMUVJY0JHSnA2ODZQMGlTcVlwUzhQdXBtQlNNR3o0NmUtc1Q3am52Q01xQ2s1Yld2OGNGU2xHR2dyODZ5MXB5Wkx4WE5KVWJHX3B2eG9WQjA4OG5OTmphdmIwNm5YNTlTX2ZFenZGWHV5ZFQyRUtnZlJv?oc=5) · PGPD News
- 2015-06-19 [Have Your Child's Car Seat Checked by Experts - Patch](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZ3g4ek5Mek4wRmcwWXFwdWVQV1JCNkw5VWNSb0lPbFdsbkxUcWMyWU9NTGw2SHdUYXg0SUlmdUdtaHBjT3lIekRJcklIVkdvazVEMEFMcXROT0VxaVFYRWN1WkdXV204enJfNEhvd2FKTkt6cXNnS1NodW4ycHg1QTBn?oc=5) · Patch
- 2025-11-11 [Help and assistance programs for furloughed federal workers in the DC region - WTOP News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQLW9oRk9BOFVnaV9HMlVpN0VFUkY3dW1sTXJKSTBiT0t5RHBXR1VpcnZHSWhYUFlFS0RmVDlvNFdWUW1vUHdGcy1CZk9EU0VMNWxla3hzRkFoUXh5SDRKUVhzM3kyWnZBc3AtNEU4bXVKNTZNN2d5bk1yUmdGTVB4NkJ4M2NhbDVCODJwZTZOaE02STliZk5hRE5jQkF3TDdXVklqN3BfWEFRcDEy?oc=5) · WTOP News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18271 (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/31.json (key "18271", 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=18271
- 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