# FLORIDA A & M UNIVERSITY
Tallahassee, FL · NCUA charter 187 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/florida-a-and-m-university-187

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated, minority depository institution. 3,802 members of 4,000 potential (95.0% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.5M |
| Members | 3,802 (-3.0% YoY) |
| Full-time staff | 7 |
| Net worth | $3.5M |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | -1.37% (p8 of band) |
| Total delinquency | 4.01% (p91 of band) |
| Net charge-offs (annualized) | 1.47% (p90 of band) |
| Loans / shares | 44% (p29 of band) |
| Cash / assets | 56.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.19% (p63 of band) |
| Operating expense / assets | 5.77% (p87 of band) |
| Vehicles % of loans | 42% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.67% (p75 of band) |
| Vehicle NCO | 3.15% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 5% |
| Average share balance | $3,709 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $15,962 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 5 | delinquency rising | losing money |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 8 | capital below 7%, losing money, repo signal |  |
| 2017-12 | 5 | charge-offs p90 | thin capital, capital below 7%, losing money |
| 2018-03 | 2 |  | delinquency rising, repo signal, charge-offs p90 |
| 2018-06 | 10 | thin capital, capital below 7%, net worth falling, losing money, charge-offs p90, repo signal, members leaving |  |
| 2018-09 | 9 |  | repo signal |
| 2018-12 | 9 | repo signal, assets shrinking | net worth falling, charge-offs p90 |
| 2019-03 | 10 | charge-offs p90, leaning on borrowings | assets shrinking |
| 2019-06 | 7 |  | delinquency 2x band, members leaving, leaning on borrowings |
| 2019-09 | 7 | assets shrinking | repo signal |
| 2019-12 | 9 | net worth falling, repo signal, loan book shrinking | assets shrinking |
| 2020-03 | 7 | delinquency 2x band, members leaving | losing money, charge-offs p90, net worth falling, repo signal |
| 2020-06 | 8 | margin squeeze, charge-offs p90 | delinquency 2x band |
| 2020-09 | 8 | delinquency 2x band, delinquency rising | expense trap, charge-offs p90 |
| 2020-12 | 7 | charge-offs p90 | capital below 7% |
| 2021-03 | 7 | losing money, expense trap, repo signal | members leaving, delinquency 2x band, delinquency rising |
| 2021-06 | 6 | delinquency 2x band, delinquency rising | loan book shrinking, losing money, repo signal |
| 2021-09 | 3 |  | thin capital, charge-offs p90, delinquency rising |
| 2021-12 | 5 | charge-offs p90, repo signal |  |
| 2022-03 | 3 | delinquency rising | expense trap, charge-offs p90, repo signal |
| 2022-06 | 6 | expense trap, charge-offs p90, loan book shrinking |  |
| 2022-09 | 5 |  | margin squeeze |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | losing money |  |
| 2023-06 | 5 | net worth falling | delinquency rising, loan book shrinking |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | losing money, net worth falling |
| 2024-03 | 3 | losing money, repo signal | delinquency 2x band, charge-offs p90 |
| 2024-06 | 4 | delinquency 2x band, delinquency rising | repo signal |
| 2024-09 | 4 | charge-offs p90 | delinquency rising |
| 2024-12 | 5 | net worth falling |  |
| 2025-03 | 4 | delinquency rising | expense trap, losing money |
| 2025-06 | 5 | repo signal, assets shrinking, members leaving | net worth falling, delinquency rising |
| 2025-09 | 6 | delinquency rising |  |
| 2025-12 | 5 | net worth falling | repo signal, members leaving |
| 2026-03 | 5 | losing money | charge-offs p90 |

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

- 2012-07-27 [Northern District of Florida - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMieEFVX3lxTE9rMXhzdXRfZ29DSGFnWGJKOTZZRkFKcXQtN081cHRCemtaOVdEbHZ2eFNfZ3lWaFlsQldoa1lvUHNLSTlVSDY3OThHYXZBNzNLV21zMEtBSXRfcnN6RVhjeWZCbnhVUnhtVTBUM2RoOUZOeGR6TW1BaQ?oc=5) · Department of Justice (.gov)
- 2016-02-10 [Alexanders found each other at TCC - Tallahassee Democrat](https://news.google.com/rss/articles/CBMilgFBVV95cUxQaEkwdmF3QkhWZTFyTF9ydm1ZTnc0UDRWSFN5cmNzc1JVNmh2d3F3RVNWU1FDTkUzQ1g0MFZzZmJJNXdYSDRiT0tvVzJoZ3lVTWtPQzFBVThzdFN6ejVnaVQ0dU4xSXpNbGpnWmZsZWthSFliYkNjOUQ0eENaNldlMHZLc2tOQnNMT1hXVXVEanlsLVpmU2c?oc=5) · Tallahassee Democrat
- 2025-10-23 [Ivie Roy Burch Obituary - Panama City News Herald](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5scExzRWphbUtycTBtX3U1RlYxcFNUVzVHS2RtMEYtQXhVSGFVc24xR1dWQkVQcjFNeVctekZLV2V5Q01sdEhucXBycjZ4d3JOU0VQSms4Y2JNYUdxQ2c?oc=5) · Panama City News Herald
- 2025-03-14 [Clinita Ford Obituary - Tallahassee, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZjM4SGI3SEE5YnZ2Z2F0OThLTGxtSFBEZmdGemw4NWp0cnFqOWZIV1R6VXppVUI1VFNwODlLSVBzVzdSVl9iSlB0RWZxNXlIMGlDa0gxX1I0dUppd244eGFuVng3MjhQendySmUxMlBXOGdHVzZPdnR0LXVOTWoxdmFuaERRdw?oc=5) · Dignity Memorial
- 2021-10-12 [John Dukes Obituary (2007) - Gainesville, FL - Gainesville Sun - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxONllXY0tIamo3VzNzRDNiZ3BHTkdiVXJOYXV5N2xQbTRRX2NvcU9TN0xkR2Z5dDNKXzIxZ2hDOTRqNERNLU01YmF1YmtRcEJ3OGR4ZUFacDdXV3NBZGNkWU00dkNCVnpvRDBGUjdXdWQ4UHEwUkhFQUtSSDJkbTgwVHlLMGRlSVNJaXlMSDdR?oc=5) · legacy.com
- 2020-07-08 [Questionnaire: David Williams Jr., candidate for Florida House, District 102 - Sun Sentinel](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUWxvY1loblJITWMxTlpSMTRWdFJnc3hjQzJsN0pEcDh1eldUdThOOC1SRjNvdERMS3BLVEhlcWdNS2YyMEY1YWhPN1VKakhtbW8yQVVSdzE5ckl2SUJoQXNPWEU2LXphenYtcFBxLU54RnVWa2JnelVtcWJqT3BRbGV0eEE0UWNlX2dkTHE1Qkx4dFB0emtqVW5ZZlhHNWhjMkhzQk5vb19zRXJ4NUR5aHZJNA?oc=5) · Sun Sentinel
- 2019-12-10 [James "Jim" Brandon Powers Obituary - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiXEFVX3lxTE51WnpsaVZxazk2a1NYMS1XWUhFV1htVGFZTHhRVXlEZHZPWFU4Q19NRWluVktTY3ljYllOX1d1cDUtSHdYVy1hZ2JKeHhCZHczMmVVWnJYZ0JsaFk2?oc=5) · Tallahassee Democrat
- 2026-07-20 [Tallahassee Police Department in action at crime scenes, crashes - Tallahassee Democrat](https://news.google.com/rss/articles/CBMizwFBVV95cUxNa2ZRVkQ3SzlvX0JUT0ZOWTFuM3NBckNvdGdrS1dMMlc4eU9JTzUtN3FBSm5FWGJXd3JMMUpZQkZhMVI2elpWQm8zOVpxZVFwck1DaUZLMmxTMHpJZjlJTFFqMFVUWkhWSlpWQ3FCUjRpaVJuSHhvdTZDUEhqMXZtSEM1eDBwMXZSTEdCQXB0UUdLV3JxNWNXeTd1dFdCdnF0RmtaQXFfdUpaLTRPVC13OTk3Y01yQ3Q0Q0kycEpEN2s0dGE1R3NhZXpZZk9MVXc?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=187 (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/59.json (key "187", 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=187
- 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