# FAIRFAX CITY
Fairfax, VA · NCUA charter 18665 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fairfax-city-18665

Who the members are: federal charter, government (single sponsor), organized 1968. 355 members of 300 potential (– of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.5M |
| Members | 355 (-18.0% YoY) |
| Full-time staff | 1 |
| Net worth | $162,368 |
| Net worth ratio | 10.7% (p36 of band) |
| ROA (annualized) | -12.86% (p0 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.00% (p24 of band) |
| Loans / shares | 95% (p95 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.46% (p96 of band) |
| Operating expense / assets | 18.14% (p100 of band) |
| Vehicles % of loans | 57% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 34% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,077 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $6,510 |
| Loans granted, annualized | $548,008 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving |  |
| 2017-06 | 6 | net worth falling, losing money, expense trap, loans>95% of shares | auto monoline |

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

- 2025-11-17 [$175K Stolen Via ATM Jackpotting Scheme In Fair Oaks, Police Say - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNS1FJT1Y0dERERzJZblM3dGVMUlB4VXFZSVIzWkkzbk11WkNoTk1XbHpZSUdrWlZUall2U3BSTzJLaHgyWjJtcEp2c0g4Y2I2MUtoRDA2Zlh2R3pXbXo4d0NPdmQ5RWZxZWRDR2VrV3p0ZXZfTnc0RWxfRUxhTV9nRUJwTzdmQ1dJWWdYTUdmZVBwNlNiOTkydzVR?oc=5) · Patch
- 2020-08-26 [Virginia's Partnership Federal Credit Union to merge into NASA FCU - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdFE4NmZqeDAtSlFYcmtJZkdPSWJSNzI1eWU0YlJSR29LSWxQTlE3R2otVzlkRUVYckYxRDkzYW9VR2dBVUNDSTNKUWFIYjJELUstZERDVUJxZlBFMEVYQmc0S2xnVUI4NnVOWXdRcENhRThPQWhQQ0ZLYTdFR1ZaUm9JT1F6Y1Q2cXBmSFBVV0JVMG5OODFZXw?oc=5) · americanbanker.com
- 2025-11-25 [Santa’s Ride: No Child Left Home Alone This Holiday - Fairfax County Police Department News](https://news.google.com/rss/articles/CBMiigFBVV95cUxOaWJIZm1NcExDRHdCb3M0aTZBLTFsMUpKVkRoc1JSQXBYb2kwamM3S0RLb003YUFoMjlQSVpWMHNQYnVTajlDVjZTQlIxdl94Y3V2cTJqbDZ3T2ZPejIxcjgxTVlEQTQwanRQZkdEOWl5Rk9wWFlHb19BSWsxNjFJRHpUU05GTzQ1WHc?oc=5) · Fairfax County Police Department News
- 2026-03-20 [Fairfax City Council member named a ’40 Under 40′ honoree for N. Va. leadership - FFXnow](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQm5QRDdmbVBnRzBZSVFYZE1hdVlfVVJTbGJoZmd3bHhqXzBDcFhLc253TEFkM0JpOTN0bGRjdjNCZUk3ME9YTU1lYlNzMU1fZ3VIeDJucjVGOERObmZrdU5SWXNXcm8ySnJHaUhUSUZLZC1DOU1KX21jN1I3bFR2LXUxZEZXZDQ2bVZ2cUN6cHJzcGZsSV9JaUFkeWlaWndIc2pHbzRxWjNtb0JGT2c?oc=5) · FFXnow
- 2008-04-15 [Norman Rappaport; Leader Of Pentagon Credit Union - The Washington Post](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOclBnRWQtN244YWphU0RLbHRTSXAyd2xPNDUtd2JuQld5S0JhR1VVWXIwX2p3RmNtdWtUMmtkOUtYUEh1a1B5dFlCbmJOZjBXT3d5dXNXS2YyRTZVMzgxMEM2T3RYLTFPZFF0WjNCNWdzVHFDSGQwSEN3TVU5Mkxtc1owSUhUaGZHYkhkd24zRmV0NXB0RWc1NWpCZWJPeEczc1BDaXVmc2hfUnNpdmNtWG5fbjZoVFU1NW81aktDQ3JBVlphWk9Ca3VHc3FUVm1MQ0VaRTk5ZXdHQQ?oc=5) · The Washington Post
- 2024-01-23 [Ardin Goss, 76, Former U.S. Navy Officer, Credit Union Employee Dies - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxNOUZOODh2TTY0SG9kOVMySk03MHg5aVk3Rzl2Z1QzQ1c1NVFmN0tsVnBQUXBVXzhXVmk3OTg4VDhpTzFWYk5wQmpDQ0NDWC1felpmV0FIRkt6YVVHWng4SUlDUlFydFVINEhFanc2X09BbmJxR3BOWTJKQ2N5OThMUm9lZXJBNDRvOThSamVaWVVQWnFRQkxUcXJnTk5IdUNoeVdGaXZR?oc=5) · Patch
- 2007-06-21 [William Thomas Obituary (2007) - Fairfax, VA - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMG9WSmZGNGFST2kzSDlLejhXdXExNmh4SzRlZHpKZVdtWFdwTjhGWHkySEtvaTY1ZkhHdXpTdjl6ckt5UlNlaDVYM0FyZzFZMzlQZ1BmeTNtU2g3UWhJbFRDSlR4Y1gwb2Izb0ltWDhoTGZhN0lhcU1DRTJ6allGbzdTZjJFNzd6RHlzVmp3ZGdKTE1mS1E?oc=5) · legacy.com
- 2023-01-24 [Saddam Azlan Salim To Challenge Chap Petersen In June 20 Primary - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxNYmxKaVBRbFU1c3U0djMxcmdEYzU5aFYxR3RISEFPZnJ6TEtDNHhYY1FyRHE1bExwZEhEeERjV2hhOENIaV92ZGh4SHd6Z3lVQUREWWVkSGdxdmdrc2pnRlpsTjB3X0d1YUdQY2tiRWdlU1hDZFVIdVZHVU5NcFRTX0NvVnpvdHBBNVduTzB5OHBxeDE0VlM0a3ZBejladw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18665 (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/41.json (key "18665", 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=18665
- 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