# DUKE UNIVERSITY
Durham, NC · NCUA charter 18616 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/duke-university-18616

Who the members are: federal charter, educational (single sponsor), organized 1968, low-income designated. 15,561 members of 40,000 potential (38.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $204.8M |
| Members | 15,561 (-0.6% YoY) |
| Full-time staff | 33 |
| Net worth | $21.1M |
| Net worth ratio | 10.3% (p34 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 1.11% (p84 of band) |
| Net charge-offs (annualized) | 0.40% (p51 of band) |
| Loans / shares | 53% (p10 of band) |
| Cash / assets | 31.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p55 of band) |
| Operating expense / assets | 3.38% (p37 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 99% (p56 of band) |
| Vehicle delinquency | 0.18% (p14 of band) |
| Vehicle NCO | 0.06% (p11 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 40% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 11% |
| Average share balance | $6,260 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $32.5M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $13,110 |
| Loans granted, annualized | $18.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $32.5M outstanding purchased (153.8% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | assets shrinking | thin capital |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 2 |  | delinquency 2x band |
| 2024-09 | 0 |  | assets shrinking, delinquency rising |
| 2024-12 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2025-12 | 1 | loan book shrinking | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-01-06 [Bank Where You Work and Get Financial Support That’s Personal - today.duke.edu](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTy1kamtvUG5sdko5TTFWY2RmUU91YzAyeHFMbExqOGdMSXJoQ05jLUVzQm5tZmR3bTl3NEhvSld3R010UldTMERlTnpHakFGRUxVNUlkM3dMdkluMEhZTFhENmNCLTE2RGN4c2N2RC1aV20waExRTUJlV0lxcjlaR3pydER6SDNaQ0w5WWNNSGRCMmJVNUE?oc=5) · today.duke.edu
- 2026-08-20 [Community Enterprise Clinic: Helping organizations help themselves - law.duke.edu](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMHVCUWZEOHEzUW05YkJMMndKUUlnZ0dyZERXclY3ZlZHM3FZUkxfRE9ZdGp1SVlDT0pKUVVSYnVLWHJHeVpjR1ZybkhlR1dhRzg4STNMV3Znek00Y0tLdlM2RTZsU0pibWdVdVVaaDhZamQ2V0l6eEw4MDNKbnRNTG1fVW5IbXFSdmp5Y19sdDRUc3p1T2c?oc=5) · law.duke.edu
- 2025-11-25 [Know Before You Go: Duke - Wake Forest University Athletics](https://news.google.com/rss/articles/CBMid0FVX3lxTE9PMWhIaExrNkdpU3VYendvNWdNTzJOZmNGZUJZNjdjVVVCdHl0Q2h6X2w2SEo1RlNveWJhWHVqVG1nNTlfYXV6R3NfUmtYbXJKRlQ1ZEdWU3d1VlpFMmV2RWpmS2c2ZFhMU1hqeEt6akhpWklvTi1Z?oc=5) · Wake Forest University Athletics
- 2025-12-15 [Kansas City Current Appoints Erwin van Bennekom as Head of Player Development - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVURkbS1fX3hTeTRTOW5xMkxJbWZLLWZyNGg3d3pjY2FaOG4yTS1qYzFOVmFoSEhmQW9PTW9HY1lxNE9NMVBMa2JZQ04wQzNXM0d6bDA4elJUQXg4UTkzV1ZZVlA1bHNIMVBvMXBUSkdfdU1GUkpIQi1xZjExUl8zZW5keEpFaHdBa0VELXRMa1NSYnRIT1hLZjR6ZzNvSkVy?oc=5) · Kansas City Current
- 2026-06-08 [$3.74M Duke University Health System privacy breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQZ0FpajQ3enlKR2VVN2NfUWV5VUxFYk4wNUlUU3VoS3BDSjdHTlF1bDhaZjBpMERPNHh5ZkswR2dsVEFlUVdxZ1BNQ0NVWlJnazM2SGZqUXBGSFd5V2VydS1WVXRjcVQ1WndITHVVR0RDM3Jremo0RE1YckxqNXZmMU42OFVCQkR2ZVBCdEhPLTNSdHNhYUZHc0hfOFhwMHNxcVYySXJqQldCbkxJb0FIU2ZWZlhZSDNJRy13NTVobHdDaDBRZ1RpM3NlV0QtRy1EZVNMR1pnd1k3eHZ4RHJORE5R?oc=5) · Top Class Actions
- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2025-09-22 [Pete Buttigieg to speak at Duke amid fallout from Kamala Harris’ new book - Raleigh News & Observer](https://news.google.com/rss/articles/CBMigAFBVV95cUxPcU1jdFpYbTRNbVJLVzkydW5Ra0FFeUNQRFMzbW5NeDBPWFd4SHFVVmRWSFg5VHFZX3QtR0tCVGtkWXVERy1JalNXMEFuaDViRzJMS2o4U2xjQWlWZlBiX1dzbktEN1V0M2V6cGdWVDFURW9XZkdzLWNhUTZrd3RkRtIBgAFBVV95cUxOcGVDRVdiQm0wUjBWakVjeDBlLVJaY1pxdkNYQzdrZndmakZ1RW1mRXVqNS1FZFZDMGFNam1ZVTdlTG9MbFd6OGVUSjdHSTFIQW13eWt4M2hIUDkwY3V1THV6QnNaUEkwb2Q5ZGxmQ2dYZ0REcGxyQ2psSzZBdFVtcA?oc=5) · Raleigh News & Observer
- 2023-04-11 [How the Duke Credit Union Can Help You - today.duke.edu](https://news.google.com/rss/articles/CBMic0FVX3lxTFBkMzdnNkEzVGdvQ0pBM1pYSUpORC1vMDFmaWhhQzROaDBKR2h0c3VOQVZrSGhSUERTZEVGZTVrWUd2aWI4bzJwbS1ldjd1cmhqSjNrcldHN2dJM3psd2dKQ052N04tX2d0RDNaMFE4cXFZT0E?oc=5) · today.duke.edu

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18616 (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/56.json (key "18616", 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=18616
- 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