# CENTRAL VIRGINIA
LYNCHBURG, VA · NCUA charter 22307 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-virginia-22307

Who the members are: federal charter, community charter, organized 1976, low-income designated. 12,991 members of 254,374 potential (5.1% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 131.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $201.1M |
| Members | 12,991 (-1.1% YoY) |
| Full-time staff | 46 |
| Net worth | $24.2M |
| Net worth ratio | 12.0% (p61 of band) |
| ROA (annualized) | 1.31% (p84 of band) |
| Total delinquency | 1.22% (p87 of band) |
| Net charge-offs (annualized) | 0.31% (p43 of band) |
| Loans / shares | 68% (p35 of band) |
| Cash / assets | 31.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p91 of band) |
| Operating expense / assets | 4.08% (p67 of band) |
| Vehicles % of loans | 29% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 19% (p31 of band) |
| Vehicle delinquency | 0.06% (p7 of band) |
| Vehicle NCO | 0.42% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 1% |
| Average share balance | $6,881 |
| Participations bought / yr | $6.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $35.9M |
| Loans outstanding per 100 members | 131% |
| Loans granted per 100 members, annualized | 59% |
| Average loan balance | $6,927 |
| Loans granted, annualized | $33.6M |

## Participation posture (from the same filings)

Bought $6.8M and sold $0 in the latest annualized quarter; $35.9M outstanding purchased (148.3% of net worth), $85,374 sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 0.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

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

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

- 2026-03-21 ['Great host city' RVA prepares for 50,000 visitors as Jefferson Cup soccer tournament begins - wtvr.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeHE4SVFoTDB3M3kwelBwVDA2SVdBbDRGTkRINnRiYXdQMGRrdDBsdEpZRnpBMEN2M0FpeTFiY2t6SnY3bC1jRW1XOV9MZXY1LWpoLXBzbVNxSm9TMW1qaENJcl9RdHprOGR4dGduV0hLTGVUQ1BBMFhabVJoNmlPcHpJWGhhTmRhMGFieFlFU0QtblZrRFdYUkluVXZrLXUy?oc=5) · wtvr.com
- 2026-03-18 [Garrison "SuperShark" Thornhill Obituary Mar 18, 2026 - Tharp Funeral Home & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTE1fR0c4Sl9RTGRja0pWM0NWTG44MWpkbURubWo4V2drMzRoUDU3Mk9pMXpVZ2hjREN4WWpiNndoUk9CRmUweU4wMGpCakp1SktFLTR2Q3VZRDVxcjV1ZWVLdU5JODU2b3RaTWZQN1R4WQ?oc=5) · Tharp Funeral Home & Crematory
- 2026-01-23 [Nearly 30 cars, multiple businesses damaged in Madison Heights - WSET](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPbjYxZF9KSlFnOGlfQ3FGSTVPb1J3VTk1elo1TGIyOGFHaldGUXVYUEplYTNMVVNqendtXzFkU3ViTHJjN0NGS3FmVzNTeU45aGc4V1pwTVJqaDNlY3RBa3RGQ1BOaktPTy1jczJBWm9oSUtsbE1ueWF1Sl9aM3poaGdubEpqUE1ma2VDc18zX1NZYV9XYkZWZEFzaGpxRWdNMGRacGhfampDVm1mN0s0bUlMTUhhT0FJWkxGeDlzcVl6Y2VITHRjbzE0VEU5ZUZyekh5ZWZlX0ZVZjdWbk9GNzBfbElDdHJrV3pUeVY2d1BzYmc?oc=5) · WSET
- 2021-10-11 [Tripp Vint – Virginia Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE9zWHRfanNONkNXR1YtSW1oclVHY3lxQVphZUhFSUV5MlFaTFpxX19WMlpuVHNfNDVzSkRaTXRPaEZhM2ZoVHptMy1YTWlIX2dybnRSREdaMWkyOG1EUldPTG1DZG43X01mYURMaG9kSEs0TjZaM0V3dw?oc=5) · Blueprint Magazine
- 2024-07-31 [Lamb of God and Mastodon at Virginia Credit Union Live in Richmond, VA - Loud Hailer Magazine](https://news.google.com/rss/articles/CBMivgFBVV95cUxPOHN2WnVfNTM5ODlWWjU3bVl0TldYajdxazVoNkxJZ3lWbkZzcUItaFExREVTV2NaYXg4dlpuLWpsS2E3WjFjV29YRmhPdng2VXVnN25NVVY5SEkyQmxHU1lRTFFPWnZJUnBXN1pPY1RDTkxEN2FDSVJFLUJUaS1haGpESlU2Wlp3NEswVFdrMWk0YXVNTlRlaE90YjdXNzdTN3VVMlM0QVZJc0xkWDJjcFY5azFYQnNhUW1uUS13?oc=5) · Loud Hailer Magazine
- 2023-12-01 [Central Virginia Federal Credit Union experiencing mobile app and ATM issues - WSET](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPamVOdVdOVTNoV2RwVUppVHFwVnAwSHJmWlFRYTFxczVqSnBvcWUxTlhiMmQzdWZkUmM1cktIYTVfYzlSVlJUSVE4bEhLNEFhbVd1bFM2a3dzQkhWWUZtWm4xMjRjaDV1c0JnOXdtWXJKZWZUZWpXbjhBcUMwc3hnUlM2TnMwcVd1THhGODRhQWxsb3k1MjU2cHJpbU5uQXpxSDJEM2wwa1FzejltWWVLbEhvV1lYWnlieDE3Z1l5YjNiSHJQWWc3TjI3REd5dzVmbXdhbmNJc0tZVE9oNGpwQXJabU1FOXFE?oc=5) · WSET
- 2026-07-05 [Over 16,000 Central Virginia homes, businesses without power amid severe storms - WRIC ABC 8News](https://news.google.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?oc=5) · WRIC ABC 8News
- 2025-06-10 [Virginia Commonwealth University Athletics and Learfield Extend Decade-Long Relationship - Learfield](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQblh4S3lTaVYtZUczZ0lCYzFjNzgyWUtWZmViQl84TzBTQzNmSU9uUUx6MUVRaVN4YXZnU2JWZDVSMzZKRk1XOHRYMlVHckMwaGU2UE5nZTkyaElJSEZWWW9SRTBDenZjdFluMjJWemlSeW9XdVpaLUdxd003RVREbm5iblh3ZjRWbGx1ZmtPOVBNQ0NWb2FQaUY2V09IY3R4cVNRZklSN3JWd244Z2stQTdKZlAwT3NmSzJFWjBILTg?oc=5) · Learfield

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22307 (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/35.json (key "22307", 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=22307
- 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