# NATIONAL GEOGRAPHIC
WASHINGTON, DC · NCUA charter 23643 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/national-geographic-23643

Who the members are: federal charter, multiple common bond, organized 1980, low-income designated. 1,537 members of 2,500 potential (61.5% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.9M |
| Members | 1,537 (-2.1% YoY) |
| Full-time staff | 3 |
| Net worth | $1.3M |
| Net worth ratio | 9.9% (p27 of band) |
| ROA (annualized) | -0.08% (p19 of band) |
| Total delinquency | 0.74% (p49 of band) |
| Net charge-offs (annualized) | 0.62% (p74 of band) |
| Loans / shares | 46% (p33 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p46 of band) |
| Operating expense / assets | 3.61% (p57 of band) |
| Vehicles % of loans | 34% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.02% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 6% |
| Average share balance | $4,777 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,542 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 3 | net worth falling, charge-offs p90 |  |
| 2016-12 | 5 | delinquency 2x band, repo signal |  |
| 2017-03 | 6 | assets shrinking, members leaving, loan book shrinking | delinquency 2x band, repo signal |
| 2017-06 | 3 |  | losing money, assets shrinking, members leaving |
| 2017-09 | 3 | assets shrinking | net worth falling |
| 2017-12 | 4 | losing money |  |
| 2018-03 | 6 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 3 |  | charge-offs p90, assets shrinking, delinquency 2x band |

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

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- 2014-05-08 [Beyond the Beach in Aruba - National Geographic](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNDdmX0ZhbUxLaGxUU1p5ekFxX1ZnSGRSelpXVGNRbFNidDBvX2NjMElOTnRYallQbHUybkFlVEhUcUlXR1VqN0x2VzRXeUxULUpNdklSc3oxVGpWSm16aFRzaFBLMWZSVXBIcWxyNWdRckg5dmQwVmlpUW9jYjJMbQ?oc=5) · National Geographic
- 2020-08-30 [Luella Lytle Wright Obituary Aug 30, 2020 - Melson Funeral Services](https://news.google.com/rss/articles/CBMibEFVX3lxTFBXd3htZW5iVjJuNkl2dV9TdzlJM2VUblhyQ1JER0pOUEhESkJ1V2VQUlBjX2JEdzQtVmF1V2ttbXlmVURUcDFCdlZKTEdRbFpYcVFpd1N4RC1uWWJfMEZfa18yWEZ6elpvVjdVUA?oc=5) · Melson Funeral Services
- 2025-04-01 ['Oklahoma City Bombing: One Day In America': Photos from National Geographic's new docuseries - The Oklahoman](https://news.google.com/rss/articles/CBMi4gFBVV95cUxONndubUNOczNqT3dvYzBHc0JId1p4aVVXM1dBckcwVGszTHVsSzhaMUJMYXVKT0RYcVBFTXVwb0xDUG5VeFdqTS1LNEpKWTdvelVFcUNWNEQxOXIwUWFOLUF4OHViSnk3eGJibjZMMFVFVEM0dlB3N0l6N3Q4S0ZzcVV2aVNsZnNRUEE3aGFzcnNIM216ZlZsbHZlbmZXcWZ6aE91Q0JKN0ppWmxVeTBCNlJFUmtqRGt6WUFkVnI3N1R5OUVXR2JnbTZLRXpaMzVFSjFqYXlnM3BVVWttNUZKalFR?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23643 (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/27.json (key "23643", 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=23643
- 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