# GSA
Washington, DC · NCUA charter 2299 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gsa-2299

Who the members are: federal charter, multiple common bond, organized 1937. 5,526 members of 10,000 potential (55.3% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $38.5M |
| Members | 5,526 (-0.0% YoY) |
| Full-time staff | 7 |
| Net worth | $2.9M |
| Net worth ratio | 7.4% (p4 of band) |
| ROA (annualized) | 0.26% (p35 of band) |
| Total delinquency | 0.35% (p39 of band) |
| Net charge-offs (annualized) | 0.40% (p72 of band) |
| Loans / shares | 64% (p59 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.82% (p15 of band) |
| Operating expense / assets | 3.55% (p47 of band) |
| Vehicles % of loans | 33% (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 | 0.06% (p34 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 28% |
| Average share balance | $8,502 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $12,825 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 | delinquency rising | net worth falling |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, delinquency rising |  |
| 2019-09 | 0 |  | net worth falling, delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | delinquency rising, loan book shrinking | net worth falling |
| 2021-09 | 0 |  | delinquency rising, loan book shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 | assets shrinking | delinquency rising |
| 2024-03 | 1 | delinquency rising | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | assets shrinking | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 5 | thin capital, losing money, expense trap, delinquency rising |  |
| 2025-12 | 4 | net worth falling | assets shrinking, delinquency rising |
| 2026-03 | 2 |  | losing money, expense trap |

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

- 2025-12-30 [GSA’s Real Estate Sales Generate Revenue, Save Taxpayer Dollars, and Optimize Our Footprint - gsa.gov](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPRW5DR2lVYm1Gdk5YeXpXTGxLN0NjSnFHemRZLXJadHlJcTczSDlwNExQY1BVTERVVjNnOVhZMFNZOXRlcmxKQmdwQ2Y3MFRlZlJYX3RDQUtJbks3cDBhSThWa1YxWURtVEtidG9rVVY3ZkJTS2trMEhhTkk4VG5VdGh6VkxFYlNQbThkdWtISDh4ZFdtTzFiVUZXazFrQ3UzQ0YxYVI3c1VLRmJYdWl1NlJDdm5FS0RrRFFvb0oyTVdKZw?oc=5) · gsa.gov
- 2025-10-24 [‘Maximum pain:’ Many federal employees miss their first full paycheck under shutdown - Federal News Network](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPQkl5Zm0tcl84bWg4bEt0U0dNb1I2dm9EX2paUWluVEJmZ1RHSkFuZW1nSGJ3QW1JdFppenJfR2hoUG4zeFM2QUZGT0JVaEpNbk1UQmFNQkVVeGR3S2tfTVZaa2p2bUJvc1JSREw2MEdFNTg3eW96bWlQbmRUVmpyR1J1Z2FIZm5LUklybEktUkZSb0duMV9tZE82SEZya2lFc0lsUHlFUlFrZW5HbDFzUVNMZ1ZlUEhGWEhxdTRad3oydVdrUzJESHNESU5zeURBUmg0RnhOZWI?oc=5) · Federal News Network
- 2025-03-13 [Federal credit unions face unique anxieties due to Trump workforce cuts, shutdown threat - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTmdBS2hpZ1MyMDhxb0JWU3M2Mk9kWU9nbnBqN25POUNQY1E4RjEzeHRRYTRIaTRXTjJXNWNZWW5COXRWWVZPSWwybHZ5Sk5tN2IzX3hTRE13Z1V3cUlEN2xEV1N3VGdRMmpGOXBzX2JNVGl3S2NHeFk3Z0phZlg1dDNGVm5uT2tHblVsMXdDUkY3NlFZRllnTVBPc2VaaWM?oc=5) · The Business Journals
- 2024-05-16 [Best Places to Work in the Federal Government 2023 - The Washington Post](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVEZjOFJWTGNDUkpKOUR5X1FNaFZnX2V6aVVuQjVUdXRDNFZHVXZUMFBYaHRyV3AzcEhmRm5GY2JqLWlzdllscTBHRTZfMU9HR3Z1RXpFazJKM2xOODUyZzA0dEdQdktRdWU3SHFGWXRaRWNsLXBnRC1HOXNGemJKbGJwQlRkc0xPVWZDU3dxcWpXeG9SMUNEWA?oc=5) · The Washington Post
- 2025-03-05 [State Department building in Rosslyn eyed for federal cuts - ARLnow](https://news.google.com/rss/articles/CBMimAFBVV95cUxPVW13Z3ItaldlT1dCMXZ0SVFiaEFqbk1LQXA4RjZPcDJ2Q1FRSlhPTGE2eVpoQlhFdEVEVU9ZamRpaXBzVHlEYzRlTG5BTWVtYVdhb0RNRGlMZFhZRDh3SjVCR0Zrd0l5Qk5zb3Q5cFBIQ2hmNHpnREdocFlxakNlY0pzczNfajJhNl9MbWh1UVczTHN1N3FJRQ?oc=5) · ARLnow
- 2025-04-01 [GSA wants to offload massive Richmond office building in latest federal cost cuts - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZ3pieXJvdXl4YWZ0cTRTNzFRS3dnbGdVY19CcS1ST01lQms2a3VJYU1jQ2xzaHpRbHN0RVAxZjhpU3dvU0RaYmlXa0N4WEd6a2xzVXl3YS1wVl9NV0wxZWpNNld3dnNMMWEzd19DWlhFcy1rNGZwa1YtS3hSc0pUWHQ5Z3N6ME9BR1NBdk1BYmJxQTRlSFVyeFBydWluVUJnVFVWcXQyU2pQMFBHY1ZB?oc=5) · The Business Journals
- 2017-01-14 [The fleeting pleasures — and pains — of Washington’s temporary buildings - The Washington Post](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQSXpfd0ZCeEZRQldnd0dsWHE4UXJUM254c1QyUkUyM2Z4bnZvVmY4ZEgwVEkyNUhPMEZOdXVWQkF1bDdqeTh2amtUbUQzRkVLMTBveWF2bXEtNEFlSHBzNUQ5bnRiYkRyX1VlR3NxUjVqOVNXLWlJM1pTNk5rWjdZQk45TmQtdnhrbUVhTVRMY0I4LWVfM0hZVDlkQlkyem9UZjFjSy1nejhrMFZNckJwcHAtN0xIR1FFMm9Na1lOcFNuZHZkbUV2c1J4bkh4RXV6MEs0ZWs2T01yYWVfcy11cGN3LXRxWHJiYmF4c3VySTNhM3lENThBXw?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2299 (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/59.json (key "2299", 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=2299
- 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