# ACCLAIM
GREENSBORO, NC · NCUA charter 23386 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acclaim-23386

Who the members are: federal charter, community charter, organized 1979, low-income designated. 5,053 members of 789,842 potential (0.6% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 125.

**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 | $58.9M |
| Members | 5,053 (-1.5% YoY) |
| Full-time staff | 16 |
| Net worth | $7.7M |
| Net worth ratio | 13.0% (p51 of band) |
| ROA (annualized) | 0.75% (p54 of band) |
| Total delinquency | 0.26% (p25 of band) |
| Net charge-offs (annualized) | 0.99% (p89 of band) |
| Loans / shares | 76% (p77 of band) |
| Cash / assets | 22.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.31% (p84 of band) |
| Operating expense / assets | 4.54% (p79 of band) |
| Vehicles % of loans | 43% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 12% (p65 of band) |
| Vehicle delinquency | 0.40% (p41 of band) |
| Vehicle NCO | 0.67% (p73 of band) |
| Repossessed % of vehicle book | 0.09% (p84 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 23% |
| Average share balance | $5,649 |
| Participations bought / yr | $3.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 125% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $6,095 |
| Loans granted, annualized | $8.2M |

## Participation posture (from the same filings)

Bought $3.9M and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (15.2% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -1.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 4 | net worth falling, expense trap, delinquency rising, repo signal | delinquency 2x band |
| 2017-06 | 4 | delinquency 2x band, auto monoline | net worth falling, expense trap |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 2 |  | auto monoline |
| 2018-03 | 5 | losing money, charge-offs p90, auto monoline |  |
| 2018-06 | 4 |  | auto monoline |
| 2018-09 | 3 | auto monoline | losing money, charge-offs p90 |
| 2018-12 | 2 |  | auto monoline |
| 2019-03 | 3 | expense trap |  |
| 2019-06 | 3 | net worth falling | expense trap |
| 2019-09 | 4 | expense trap, charge-offs p90 | net worth falling |
| 2019-12 | 5 | thin capital, losing money | expense trap |
| 2020-03 | 4 | net worth falling | charge-offs p90, losing money |
| 2020-06 | 7 | expense trap, margin squeeze, charge-offs p90 |  |
| 2020-09 | 7 | members leaving | net worth falling |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 | net worth falling | repo signal, expense trap |
| 2021-06 | 5 | repo signal | margin squeeze, net worth falling |
| 2021-09 | 5 | expense trap | repo signal |
| 2021-12 | 3 |  | delinquency 2x band, expense trap |
| 2022-03 | 4 | delinquency 2x band |  |
| 2022-06 | 3 |  | delinquency 2x band |
| 2022-09 | 2 |  | thin capital |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | repo signal |  |
| 2023-06 | 2 |  | repo signal |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | repo signal |  |
| 2025-12 | 2 | charge-offs p90 | repo signal |
| 2026-03 | 1 | net worth falling | members leaving, charge-offs p90 |

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

- 2025-07-29 [A small town lost its last bank. Acclaim Federal Credit Union is stepping in. - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPYm9NZk5kdnBscnVKbUc5RXRjeUg4VVJDSHVHMW1XX083NWNXU3huZldDMEV1T3VoNVJxQ281MFl4WVVRRnBqTkF3VEpCall4RUtaVWpGOHZMdmcwazlSMVo0cFdELThxVWppd0FOb3pDcmFYZnlKWWh0b2U2N001czdad1lpd0ZuMzN3ZVJkMFkxWk92RFA3ZGhUcS1lVmxZVTU2VGdvOA?oc=5) · The Business Journals
- 2025-09-03 [2025 CU Times Luminaries Finalists: Credit Union Community Impact - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaHZJR2xZbVEweXhYbUU5dTFibnFPYnhJN1pXMHNnVEd2bU9oQTJzMzVURmk0eHJCWFpOcDFUSHZVSnFiM09RNjFlVnZ3Q01sWE9zVjdiejUwWElMREZqWVBCOFRiMERxX200dm85RzJvX1BMbHlBYk9HSC1QYlJiYldtNEJ3TVlxMTFIZ2FwcTFiNmJqU2pDaTJzUDZ0dE5Fcmc?oc=5) · CUTimes
- 2024-08-23 [LAINEY WILSON’S HIGHLY ANTICIPATED NEW ALBUM WHIRLWIND OUT TO WIDESPREAD ACCLAIM - Red Light Management](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWjJWVmQ1cTdaVWtGSERVdFBVYnl3Zmc3WEdCWldnUlNBdG9RU25VTnNtZ1B2aDFZbERXWWpHOVpZbHFXYVVfU25zQkpRRWVXUjdacktzVHpqdTZndU4yVm9aOWgxdUhGRktad2xkY2VxRzhPMkZMeFU4Q2FPZFVIZGVOdVdRMkUyWkxoNlZXMGVQYkRZbFVreUo2anVFV29WQkJzYnpIVDdGclBNUmZnQQ?oc=5) · Red Light Management
- 2025-05-19 [Bruce Charles Wiley - Mountain City, TN - Samaritan's Purse](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdlM0dXIwU3V4YnBXX3RDelVWNkNId3hZVVFXcmdfclp2TU9keEtIa1NtYmRVYndwdTFoaGR0MHZvZktBeWM1SXc3SXlUeTFiNl9MZUMwUmUwT1l0bkx1ekZSckQzVkZOWDdLXzNPS09pcGhHcUJDQ3RMRHprdkVsWmQtY2lZZ1RodURR?oc=5) · Samaritan's Purse
- 2025-08-28 [2025 CU Times Luminaries Awards Finalists Announced - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdUVmaGI5bkJnSm1WSU82SmxZOWJKcko2RkdBbFlkUDJWMlNCajFhejlvbS00cFdLSmZyX1FLX24xZlM0UG9PUlowRkVmQlFwaDhEYzZNNVI5NXdqS1hUZ0Y5Z09LNVZyem5oZGcwb2tYLUZnX1h5dkFmbVpoN2ZuOXhKNzdyaWJsT2VOUUlMQ2E?oc=5) · CUTimes
- 2021-06-13 [Floyd Wilson Obituary (1934 - 2021) - Greensboro, NC - Greensboro News & Record - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYndSOEhvRzVUamdwcDM3WjlpbjZ4X0JiMzZ0QzA5bE1PZm81RERsZlNobllrUnNEcC1HUzVKSGVmSmhCRW1TaVZuYm1iTTVjS3RITUkyNG9ka0JLMEdOWUJXd1RacjBST1dXcWlkSVozbTRlcDlWaHduTnN6dENMYUJ6Vm9qeXZid2xrUDBaVQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23386 (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/26.json (key "23386", 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=23386
- 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