# SIGNATURE
ALEXANDRIA, VA · NCUA charter 20061 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/signature-20061

Who the members are: federal charter, multiple common bond, organized 1970. 26,997 members of 571,189 potential (4.7% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *participation buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $406.7M |
| Members | 26,997 (-1.7% YoY) |
| Full-time staff | 54 |
| Net worth | $44.2M |
| Net worth ratio | 10.9% (p44 of band) |
| ROA (annualized) | 0.05% (p8 of band) |
| Total delinquency | 1.03% (p80 of band) |
| Net charge-offs (annualized) | 0.74% (p80 of band) |
| Loans / shares | 111% (p100 of band) |
| Cash / assets | 4.3% |
| Borrowings / assets | 9.84% |
| Net interest margin | 3.48% (p44 of band) |
| Operating expense / assets | 3.54% (p44 of band) |
| Vehicles % of loans | 18% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 83% (p51 of band) |
| Vehicle delinquency | 0.42% (p37 of band) |
| Vehicle NCO | 1.77% (p87 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 34% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 42% |
| Average share balance | $7,378 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $20.2M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $18,517 |
| Loans granted, annualized | $40.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $20.2M outstanding purchased (45.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -15.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 0 |  | loans>95% of shares |
| 2016-09 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 2 | delinquency rising | leaning on borrowings, net worth falling |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 | assets shrinking | delinquency rising |
| 2018-03 | 1 |  | assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | net worth falling | loans>95% of shares |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | losing money, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | losing money, margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | delinquency rising, loans>95% of shares |  |
| 2022-09 | 4 | losing money, leaning on borrowings |  |
| 2022-12 | 5 | net worth falling |  |
| 2023-03 | 2 |  | loans>95% of shares, losing money, leaning on borrowings |
| 2023-06 | 1 | loans>95% of shares | delinquency rising, net worth falling |
| 2023-09 | 3 | delinquency rising, leaning on borrowings |  |
| 2023-12 | 3 | net worth falling | delinquency rising |
| 2024-03 | 4 | thin capital, delinquency rising | loans>95% of shares |
| 2024-06 | 3 | loans>95% of shares | net worth falling, thin capital |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling, losing money | delinquency rising |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 5 | delinquency rising, 3rd-party paper>100% NW |  |
| 2025-12 | 4 | assets shrinking | leaning on borrowings, 3rd-party paper>100% NW |
| 2026-03 | 4 | leaning on borrowings | losing money |

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

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- 2025-05-12 [Signature Federal Credit Union Review - businessinsider.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOcTlZRmhFVlEwVkp2NmZzQVBaMmFIckY1bTAzRlF5R0FxemtzWVhEQWk4bGFMcjM4Y3dYVV8ySjI4MTFURDlmc1BiQVdRQWNaN0wzcXc4bU9Gbnp0QXVIRHBkLXBZYWpGNXYyZHpOb0E0aUhhX2EtRkpMaWpVVHdpUlhsVUVremp5WmFVTGo5QTIwUm9qajRwQnhR?oc=5) · businessinsider.com
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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20061 (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/29.json (key "20061", 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=20061
- 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