# UNIVERSITY
Grand Forks, ND · NCUA charter 1904 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-1904

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 3,626 members of 17,000 potential (21.3% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *fortress*. 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 | $45.2M |
| Members | 3,626 (2.4% YoY) |
| Full-time staff | 8 |
| Net worth | $6.4M |
| Net worth ratio | 14.1% (p45 of band) |
| ROA (annualized) | 1.57% (p86 of band) |
| Total delinquency | 0.58% (p47 of band) |
| Net charge-offs (annualized) | 0.06% (p56 of band) |
| Loans / shares | 67% (p63 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p64 of band) |
| Operating expense / assets | 3.31% (p41 of band) |
| Vehicles % of loans | 32% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.19% (p68 of band) |
| Vehicle NCO | 0.12% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 16% |
| Average share balance | $5,047 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $487,106 |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $9,660 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $487,106 outstanding purchased (7.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-08-31 [Addition Financial Credit Union and Florida A&M University Announce Partnership to Support Student Success - Florida A&M University - FAMU](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQcFpTYTRWNEZtWVI4WXR6THNKQTM5SGlBNDA1U2NOWHNTWjJPTDIxMUE3X3RDVXhNNjlqZUI1Zmo1UnE5eUc5OGRMamxXbDJCdzdfYmR2VDB6NXhoakpSMjJuVWdxR0ZKNkZCU0Q5bkI2U2g3R2xsSlphbHR3TkRmLV9FQl82eVBUR3hVNTE0d29MWUdGRkU5WVdYaldlTl9lVm5TSlVaZFZjdkJlOXM0S3ZxT3ktS05Zb29obFZsUmlZNVVLdS0tTEozUkd6dUREbnc?oc=5) · Florida A&amp;M University - FAMU
- 2026-08-25 [VyStar Credit Union and University of Florida Partner to Strengthen Jacksonville's Workforce and Innovation Economy - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdHJqc052SEIyQUJNZjdjZ3R0aTJsRTNRS1RSUmo2ZWlGVEUyd2Z6M0w3NFdPZ2lRaWlJRU4tVUh5SmJORWozTDhITmdyMUdGYTE0WndYXzdUQTYyWjBQSHdVQWxROFFzM05Dck9EVC0xQnRMUmR4OXJ6bVFVM1BzZVVqT0ZqZTdMbzNhNVIwZkdNUlVDRlJlTmJOWTI?oc=5) · Yahoo Finance
- 2026-07-13 [Great Basin Federal Credit Union Pack Provisions Drive - University of Nevada, Reno](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSzd0elhEei1QYUo0RnNEbWwzcVcxbi1SQl9BeC1xY0dnNUFXa3JPczQ3Z1BINHpyMlN6UExnMkg5OHF3bkZacDVwSGtEMjVGaVhlcGRKYmJjRkxSY0RGNjBDLU1VVGEzTDZpb1JpVVlFYTBDZmdmOWs4TjBTY0hDU2JCWjJiWEN5MHhUYnlFYnlyY25yNEE?oc=5) · University of Nevada, Reno
- 2026-06-18 [Northwest Federal Credit Union and George Mason Athletics expand partnership to advance student financial wellness on and off the court - George Mason University](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYW9Nd0cxc195enU3NG5BTS1FN3c5T1ltLXdJa1FONDFEZ25iRWI1RXBESm9qSGZpSjZWMWZ1cjNTTGFqMXV5Q2g1U0JtZGNpMGx4eHBBYlRDbm05WS1WeXdDeDBha2N0N2pRb2NUYWYwVk1OYTB5LUNOYVFQWm85WWZSMTIybkw1d3NnQktBUzM1TFp1VlFIakI4eEpKUTY4djVNMkNXVnhhSlJ3cTJhTWxoMHNGY1Q5?oc=5) · George Mason University
- 2026-08-15 [UNC students work to create student-run credit union - The Daily Tar Heel](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUGNySlk1MmJlNjBveDZuSkE4UEpNQTR4NTVSd3JuLXhKeXczVDdwSDZGcUtSYXJFTTF5UVhBc1UwYU45eHoxNUt2UEFBd3FfTHFhTmRvQUl4THJDYm0wOEVmVWliLVZCcXhHOVJUemhzZlpNQkp6OVpIMl9IVmkxbA?oc=5) · The Daily Tar Heel
- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-05-14 [Visions Federal Credit Union Expands Partnership With University - Syracuse University Today](https://news.google.com/rss/articles/CBMingFBVV95cUxQOU4tTDBvTGpIeHVLZUxWanR1cWw2amlVemg2WlBoOGpVSWRfWXJzcTN2OWNQSmJPU3IyYVBGWnR2TE5FSW0ycUNvUTBDaTZzeHYzTGwtX2h2bC15OWwySWNybDJ5Ni12bDJkbmUxM1V0MmxQZHpzVXZpb3FTSVQxMmJjeGVvUk1zOXcyUzdDRFp1ZGIwM1pkZ1dUMW9zUQ?oc=5) · Syracuse University Today
- 2026-05-13 [Visions Federal Credit Union Expands Partnership with Syracuse University, Opens New Branch on Marshall Street - Syracuse University Athletics](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPWFRoQnRtQ2ZLQ2hRdkdVbUpIUlBWcWlfTGt5dzNfWlNIbVFuXzA2NGp2YzYtRlRFQ2w2WWdoUUxBTkIzRk1Zbld5Mk13bnl2STZTZHoyeVZta0ZLazBHTDN1eVp3aWJCTFhhU05hbmJrNzNpRUFGZnRuT3c5ZVJjZTctY2doaVU0MlA2U0xBcUo3b3hGZ25vbThicy1TeEE3dGpnNlhuZ291dGl5cHpzd3F0cjBUVWxmekFBb1J2QTdiZXV1bEd4ZDQzbm9XWlVpREdhTkpHZ2xVQTBPNld5ajMtTQ?oc=5) · Syracuse University Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1904 (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/48.json (key "1904", 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=1904
- 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