# MID-ATLANTIC
Germantown, MD · NCUA charter 18716 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mid-atlantic-18716

Who the members are: federal charter, community charter, organized 1968, low-income designated. 17,696 members of 840,000 potential (2.1% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $448.4M |
| Members | 17,696 (-2.2% YoY) |
| Full-time staff | 59 |
| Net worth | $48.2M |
| Net worth ratio | 10.8% (p43 of band) |
| ROA (annualized) | 0.63% (p44 of band) |
| Total delinquency | 0.69% (p59 of band) |
| Net charge-offs (annualized) | 0.07% (p11 of band) |
| Loans / shares | 80% (p64 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p17 of band) |
| Operating expense / assets | 3.11% (p27 of band) |
| Vehicles % of loans | 5% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.16% (p12 of band) |
| Vehicle NCO | 0.03% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 115% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 30% |
| Average share balance | $9,629 |
| Participations bought / yr | $6.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $25.4M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $34,028 |
| Loans granted, annualized | $41.9M |

## Participation posture (from the same filings)

Bought $6.3M and sold $0 in the latest annualized quarter; $25.4M outstanding purchased (52.6% of net worth), $5.8M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 6 | expense trap |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 7 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2017-03 | 6 | delinquency 2x band | expense trap, charge-offs p90 |
| 2017-06 | 4 |  | losing money, net worth falling |
| 2017-09 | 3 |  | delinquency 2x band |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 4 | delinquency 2x band | delinquency rising |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | delinquency rising |  |
| 2018-12 | 2 |  | capital below 7%, delinquency rising |
| 2019-03 | 3 | capital below 7% | delinquency 2x band |
| 2019-06 | 2 | delinquency 2x band | capital below 7% |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, margin squeeze |  |
| 2020-06 | 6 | capital below 7% |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 6 | members leaving |  |
| 2021-03 | 5 | net worth falling | delinquency 2x band, margin squeeze |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | members leaving |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 |  | capital below 7% |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 2 |  | thin capital |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 3 | net worth falling | delinquency 2x band |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

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

- 2026-09-02 [Mid-Atlantic FCU invests $50,000 to support Montgomery College student success - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOTUFsY2ZiMktiRHJ4ZHl4UWpsVFJmSkh1eVhsU09JYUZWcUJWc3JSWXZLZmRqV09PbkJtR3diaWFQM0d2MmE4LVdVLUlsUE5pdWg0ZUhXNDBTZjVqZEZ2TnlIRmtxdjVidmRBZ1ZwVm9CbEpSYVhvSExqaWJYcDc5OUdqZjJXZkQ0Um5valEwd2hOc05mV1Z2ejRMbmdjMG8tSGZ0UnBvaVo1OUZWZDRIQV9mSXk2UHRz?oc=5) · CUInsight
- 2025-10-15 [Best Banks and Credit Unions in the Mid-Atlantic for 2026 - money.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5hRUE0Y2VnNm52bWtNeGNZd0hUTUlQbnRSQWt1ODlfQzdETS1oRTlwR0Z4UTNaTlZBWG90VVh5cnpkNUt3Q1NhbjBPVGtCRmZzWjhBTVRjbW11cFozR09tMTd3Q0NHc3lJN2Rr?oc=5) · money.com
- 2026-07-26 [Members Greenlight HEMA FCU Merger Into PAHO/WHO FCU - cutoday.info](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQndCMTB4MDh2YkVMeGlFUFBfaWJ2cHd2NEl4TEF2eWtTMlBpZVA0ZTdOQ0U5UlpBUUZJT1BQYXFRY09xTkV5ZDdfejNpVGpuU3BtY2hIaVRTLUU0SmwwUlBCZW43elUyNUJpZVExRkxiWUZVZEpzVTNHMmwzbEJWWUNPSkcxZU15TERxejdpclp6bjQ?oc=5) · cutoday.info
- 2025-09-24 [Allen P. DeLeon named Board Chairman and Anthony Spearman-Leach Treasurer at Mid-Atlantic FCU - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPZ0VlRVJNQ1JiMEhhYVdDUnBNWi1VTDB6eUw1MkNvNzU5MHFwOU1KdVJHX1pyODgtTGh3Ul9sOGhPUXZMZV9MeVR5UndvaHRDYW9lSTAzbjZEUThNNHRBdllCeURBV2VIU3ZoWS1wRG9icG55Z2swV0oyaTc5c2t1UXhETHV6eTBOQ0FZYUdRR1NIZmFXQXdhckhFeGdvRWR3YjhUYi1pRVhiTTJVenhDNHRCb3RyY0s1TkQtLVRiWkRTUUpRRVcwV2JhR01vZw?oc=5) · CUInsight
- 2025-09-30 [Arlington Community credit union plans a merger and a name change - ARLnow](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQVBjd3pITTIyb3JhcUhnQW1JMzJZaHlvUTZzb2Nfd1BJdU8xeldXNElvOS12b1A3N0Q4T1JZakhSelFnUU1lRnpGdVdTeDJqLUJfcndZYndGWjBkV0U5eklzX1pHUW5oQTJGRFdWMUdrX1M0bXZYcjh0YUdzSkVCY2hQQzJkcVhHM0lrNkV0aGRwZUpuM0hFRWdmOFhXOVJublE?oc=5) · ARLnow
- 2020-08-27 [Recruiting new blood: Interns gain experience, CU gains energy, insight - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxONTQ4Tkk0UjVMMmZ5Y1JCcDZVQ0NBeFluZlAwTTBySVFQWUZHU1dURXFyR2ZPc2JNd0ZUTjZMcUZqY0Y4TWlLRFZXMTNpaEJfYWRZOFBRXzNyOEhfSWpwZjg4ZjJIS01sZUU1R0lXQmp1WXpMY0ZJMS1oUzFoS1c1TmVmMUxsYXgzQ0VadHQ4aFFhbThnRlpzUFhsRnA4TU5yNkZILUdpRWtTaFBZZTQ0?oc=5) · American Banker
- 2024-07-22 [Schiavone takes helm of Mid-Atlantic Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxOV0RJYmZ6c2tvb2xXZVlKV1JHYnZmV2g0b3IwaTNtZXdBUTBYN1lwOVYtbjJETDhiVWdpMGd3Yl9RT0diY3RYN0YydHZwV3A5NEk1T29RZ1JOSWl0VGNvUGdCOGlwZEhHbElkSVNSOHp2aHNPTmwwaV95TjI0SXJjcS1OeGJlc05SM25wNVhZVWZuSnRjbEh3cVNyUVpydkU?oc=5) · CUInsight
- 2025-12-22 [Burke & Herbert to acquire LinkBank for $354M - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOHF0R1NRd2xLOEFDUHRuZ0hPbGdiWWpra3BpNHU4bUdDNUZvTTVLakt2VHRkbHdYY1BuOUxuUjNTelhrd2RzRnRKNHJPZkhWNm9xS21TOGVnYVBCcWVoU3JtenRzYl9vcjBHYmVobHRudEd6MExjMDVHQ3NDXy14cXJWY1R3bWJWeTdOd3MtQzVvSmdUQlIwUjlieldaRmxp?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18716 (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/28.json (key "18716", 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=18716
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide