# BEACH MUNICIPAL
Virginia Beach, VA · NCUA charter 20394 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/beach-municipal-20394

Who the members are: federal charter, government (single sponsor), organized 1970. 9,031 members of 33,000 potential (27.4% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 80.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $194.6M |
| Members | 9,031 (1.1% YoY) |
| Full-time staff | 35 |
| Net worth | $26.7M |
| Net worth ratio | 13.7% (p74 of band) |
| ROA (annualized) | 1.56% (p89 of band) |
| Total delinquency | 0.99% (p73 of band) |
| Net charge-offs (annualized) | 0.13% (p26 of band) |
| Loans / shares | 56% (p27 of band) |
| Cash / assets | 44.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p40 of band) |
| Operating expense / assets | 2.65% (p18 of band) |
| Vehicles % of loans | 51% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.54% (p50 of band) |
| Vehicle NCO | 0.20% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 17% |
| Average share balance | $8,947 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 80% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $13,109 |
| Loans granted, annualized | $39.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 2 | net worth falling, delinquency 2x band |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 1 |  | net worth falling, delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 1 | assets shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | margin squeeze, delinquency rising |  |
| 2020-09 | 3 | net worth falling, delinquency 2x band | delinquency rising |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency 2x band |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency 2x band |  |
| 2023-09 | 0 |  | delinquency 2x band |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-02-27 [Celebrate Literacy through Read Across America - City of Virginia Beach (.gov)](https://news.google.com/rss/articles/CBMijgFBVV95cUxQM0wtSVhtQVY0RF9pcVljb0xoWnYwbUZiam5oTExyVTNPWmFqb0NYcG9kVlNQdjVSVy1PWWlpQmtoaUkzRXNkeVhaVWlxVGdBbE1ZQlo5aXJpNDFRMXhDUmZWN21Fd2xCOGgtN0l1dHFUS0E1amdyMndKNDVKbGZCZlByZW00VnljdU85VWRR?oc=5) · City of Virginia Beach (.gov)
- 2021-12-13 [Diana Counts, vice president, marketing and member service, Beach Municipal Federal Credit Union | Women in Business - The Virginian-Pilot](https://news.google.com/rss/articles/CBMi5gFBVV95cUxORDNZdU9TVmw5dFdTdEkzVXNtVU5jeHVTYW9KZFBPUnpNUmpkN3NKTXg5UWVkZFg1RVY5UjNkWlV5aldiUDZHbi1acWN1cTBUUkJIcmxkQVY0VlQ4RkpncVZHWGRlbFZOS08wYjV0Ti1ORDJXUmctRU9aZmZiX1JoU3l3SFN2dEJ6TnZNYmw3WFBuZTJMVDFFcndvNGVENV9aYk9ScUgzZHNiTjlSTU94dnEyTnQ1a2h4S2V3eVNfMjUwQ3pkT0gxdWNBdk5Mc2R3NUVuSDlOU1g2a1lFdVplZTVLdFRsZw?oc=5) · The Virginian-Pilot
- 2026-08-13 [Virginia Beach schools hosts back to school ‘Care Fair’ August 15 - wavy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQbU9ldjJaaFY0dnVuSi0wQ0FoTzRQcFcyWF9rRm5UekNhaUNpREVJUl9Fb19haUpLLW9kWDZtYWJGRlpneG4yWkx1aUJjTEYtRFY2NG1uOUxRcnFiZk9SdGxINnZFSmNyZWs1U25SRVBmWDZ1S2dIX1FWamNYMjhBQVlSV3NuQ3BibTBGeFNzWGdXMkxk0gGaAUFVX3lxTFBtVFBRa050eFlEa1JKdWtieEtZWjcxVmVQVjhiaGhTUm9DLWdoNzR0ZVBVU1k3dUFPTlpmRDRFMmNUTnNDMWxJRVJmSDk1eVpZRVZWdlNCQXdXd2ZrUHlVTTEydlJ6QnR1d25ici1fOGFIRUhHVWE3MUtPOTNvTWs3bVdUY1NNVmxlQzZSUm84bFQ1cWc4eTN5eXc?oc=5) · wavy.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Virginia - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNRVRhTE03MnlROTZPdFRoRHdrRVBJaGVkMGljb2hFNnpJZnBTM3MydjQxS1dDV3FTRk9saEZ3OHpuRkg2OGpyRXFCaTU1d3ktZUlSdWZjRjJwRmJCZFUtUW56bUZuWk41QkNIX0IzSTlTUXdEczB3RTFuaXhDSWJUUnQyRjd1SE5kdDhDZm1XSQ?oc=5) · Newsweek Rankings
- 2015-12-08 [Hail to the New Chiefs: Executives on the Move - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcDV5WjNYWDMxWlRpczlRZDNpTkNBWkFiYXRjcUg2Z2FBZ05fRGUwN2JuTENmUDBQbnRWdC1yQnUxNFNuc0hkY1llVjgtcDZOeTVyM1pYRU5CWXZ0dFc0cjVkeE5aczhxeF9mMTVCbUEtNThEY3BsdU5Dc1J5QjU3d0E4SHhCVmlhWmFIOC1aYnBrRkEwNUtETjJwemZpNUZX?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20394 (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/42.json (key "20394", 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=20394
- 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