# HALIFAX COUNTY COMMUNITY
SOUTH BOSTON, VA · NCUA charter 23760 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/halifax-county-community-23760

Who the members are: federal charter, community charter, organized 1981, low-income designated, minority depository institution. 1,611 members of 5,000 potential (32.2% of the field); checking penetration 4% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.2M |
| Members | 1,611 (-6.7% YoY) |
| Full-time staff | 3 |
| Net worth | $470,784 |
| Net worth ratio | 6.5% (p2 of band) |
| ROA (annualized) | -1.49% (p8 of band) |
| Total delinquency | 0.89% (p59 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 25% (p9 of band) |
| Cash / assets | 74.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p7 of band) |
| Operating expense / assets | 3.91% (p58 of band) |
| Vehicles % of loans | 25% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 54% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 34% |
| Average share balance | $3,445 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $2,242 |
| Loans granted, annualized | $731,176 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2024-02-23 [Portrait of late founder of Halifax County Community Federal Credit Union unveiled - YourGV.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOdi01M0tHeEczUTZsbjQzR3RibGNzb2Fid3k5LTlLNWZyZ2lraG9tVGFEVHVNMDBzTkFMQXdFNUJ1cV9JZDhuMGNUX3lYdVdOZzdER2tNQWI0b0hBNGxGbEpVSUFjcjkxWmY0WFlleWZ2MThjUlBpSnhmM3o0M0lRTExJSzg0b2drNEJkR25oTXoxeC1aV1dfTDg3R2JoWk5oMS1hVmFMOUVER0hkcHAySmxaa242RW9veG44ZnhzUnVabHBfVnd1cjJTR2NnbHBmbkxKTUxMbXRRNjZvS3BXeWFFWGVlV2Q1MHdtU1BnaFNKZjUxRWZMU0NlSVhKMUI5?oc=5) · YourGV.com
- 2023-10-12 [Brothers, finance experts to keynote credit union banquet - SoVaNOW](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQ2t4NG5XdFlVbDVHQ0g0TTVDWm9KRkhTWmFXYTZYWkN6eF82QVJkVWs4a2EzekJHbTlOeGhBNWFRSjZPdW81TEJhaXhYM3VlMjZwUzFzNnhoYmdLcTZCbksyNHMycG9WcU1xQ1Fmenh1ajZRdWp4RFhCY3l4SWtSZzgwZ3JmWkp5dGlCb1JnMXUxb0ZX?oc=5) · SoVaNOW
- 2023-10-13 [Brothers to serve as keynote speakers for banquet - YourGV.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQUDE4SFd1VUxTWEE4eTItYWNKbUhVdXdBVTJGZi0tTnJ5aG4yZV92R1BDQy14OUFtUFF1RzZvN21WdXFTNEFkUkl5a3hwQW9WVW1XZ0dFeU5aVTVhbTZJNVVYcm9Nel9JVGtmbDdZMXRkYTYxbXhiaGdKVnoyajRfenBGTjhSZTFhbkFZZjZ2bUFBRFQzdUUwazVzUGxYYm5vd21vOEdTUll4ZHUtcDlyR0pyM1RsQ2YybDhqSjdmNA?oc=5) · YourGV.com
- 2023-11-13 [Brothers offer advice for financial success - SoVaNOW](https://news.google.com/rss/articles/CBMigwFBVV95cUxQaUFGR2Y3VmM4bU5ENkd2dC1rdk9qSTE1VUw1RmVVSzlYSVk3SWdZT1g4UkZIaXEwVmdZSnZXR2MyR20wQXZNX3lMLUtTUENNQzMwY2Vzd2VabEh5X2lHellESDBPdHQtSURnQTdLbVZOSGh5RHlrZVI1clVVUVV3MVRwTQ?oc=5) · SoVaNOW
- 2023-11-13 [Brothers share knowledge on finance world, investing - YourGV.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNeFo1cVh3TWtWQkR3bG1ncmNNWmwxREViU1RJNkgyRVh2eDJjalVOYS1JYU9nczA0NjBUV3lkbm1CUHJjZEhnVWxCNEU4bVppMjlxNTBNaXRFWDg4VjB0V3Nnd3JKeDZ1X2JBX0VHRnp3RmI3ZW9Fc0cwNDEtMkx2bEZBM3RUWF80MW5UWTVwTTkxek1JbWhCN3lfVllMajhFSXJ2VXhPZkRrQVk3aDZiVzU0SEZ5RENmYlN2TENpaHRwUQ?oc=5) · YourGV.com
- 2019-09-29 [Speaker: Credit union all about helping people - YourGV.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOWll2QW50ZUd2MVY1NkU2ZFdOcGo5cDVuNnJIdEthT3ZWSXF4MV84eG9XeTRYQVVrREwwakxma0xJY1VWWVFjd1pkbnZkaVJGMHRTMHpTYU9Nclpab2drVTk3SEJGTjNhTnIzdXV4WGxyT0RONWRGc0NHWk1nOG9tajlJVUg5MFE2QzI3azNUSE1mc29aSUsxWVEteFBUNVBVOXF6UzlJM3FrNkl0ZlFkR1lHaHdGb1A3UDAzVENUUWN4eUZHWF9KamdsQml2QXpDYlBlTGpqMkoxUQ?oc=5) · YourGV.com
- 2026-07-15 [Here's a Blast from the Past in Halifax County: Headlines from 10, 20 and 40 years ago - YourGV.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQMkk1UWthZE5rWUpSbjJmNkZxNmt6SjRmVWcxSm1MSVZOdzEwVTY1S1NrUi1tMExMTXdOWEtWX3RyX1NTUVJpZkZDZXFhc3FSbG5NOTVkS0ViM0tKUEZZaVFaeDNOV3J0eENkcW1yVTdpMTF2d29Rc0ppcnFldndENXVoVFdCaHVUSDV2cWR1X1FmMUdRZWtKNFl2NjMtal9OUXRSSjV3YnNlMk83dzlkcVdfYlpyb29RMVJ1Z3RaaXUtR2ZRS1diMnNQdDVyOC1WMXc1cTdwMkZHSmY4ZjFieU54T2xzSTFYblJYREtvd09fcGt4SG9UNk00dFNZQQ?oc=5) · YourGV.com
- 2022-06-15 [PHOTOS: Blast from the Past - YourGV.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPNmJHUWY3MzVZdFVvdHBIYUtlbEYtLUNzTzJ3UzZYU05TTVVtU3o1NDFPbHNiMFhma1pwTTJjbUc5TTQyTDZpQWNoRWQ4a2k3bWx5MzV6MlpGdjV5WTk1eHhNblBVOTd5di1XTEJqa3pjdVR6Rll4RzRZeHpYLUNvOElKZ0doRDRkZGF3dkMybnhWWWlnb1NCZEk4RmMyeW1QdXBUel9NcVZQMzBIUnBLNmNHb2NHak01RmFR?oc=5) · YourGV.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23760 (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/16.json (key "23760", 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=23760
- 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