# REID TEMPLE
Glenn Dale, MD · NCUA charter 24778 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/reid-temple-24778

Who the members are: federal charter, associational, organized 2006. 1,400 members of 5,000 potential (28.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 5.

**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 | $1.4M |
| Members | 1,400 (– YoY) |
| Full-time staff | 0 |
| Net worth | $122,101 |
| Net worth ratio | 8.7% (p17 of band) |
| ROA (annualized) | 5.88% (p100 of band) |
| Total delinquency | 29.77% (p99 of band) |
| Net charge-offs (annualized) | 34.85% (p100 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 74.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.73% (p8 of band) |
| Operating expense / assets | 4.85% (p83 of band) |
| Vehicles % of loans | 19% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 40.49% (p100 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 81% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 13% |
| Average share balance | $854 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 5% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $4,968 |
| Loans granted, annualized | $61,532 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, charge-offs p90 |  |

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

- 2024-06-08 [How this Maryland pastor ended up leading one of the fastest-growing churches in the nation - afro.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNd053d01zSzIyQm1nVFJyRFNRcS1TSGZVZDZ1Vzl5cHkyWThVVWVLTkZ4QURqRmc0bWd6X1BPSzdjNzBtRVdvWXRqRjFoeFlQcWlKbE5EdHhSUktGRXllM1pmTk1LeFFRd0FPbHNzbGtoTnNQR3c2Vlc1NklGT25TSg?oc=5) · afro.com
- 2004-12-29 [Reid Temple Inaugurates New Complex - The Washington Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQQzd4NVQzY0M0azBvYWlSejMtQ0lCeU42VkFtZkZMYkxZZzNuVXhnTE9ER18ybkxjRTRSZkowSUx4YjhNaTNaTFBjVXZNWGJGNFVLYlpsdDY1TWlDU1lRRGFud1R6bUFLVm03dXNtUjZfYXhsdFlySWUtMmZaNHdQNHNkU3dHS2J0MlI0YnA0Y29RZkhJUDZTUlZiMVd4UTUwMXowMlhKNk5XTUFQbGxLekFZSFJWZGVIM20yY0xxYWZwMnhwS2ZNWg?oc=5) · The Washington Post
- 2004-12-22 [Church Has Bigger Location, Bigger Plans - The Washington Post](https://news.google.com/rss/articles/CBMizgFBVV95cUxNMFpsX2dEaDRnTmdUemVUQW1vZ2ZBWHBOcVQ1cDVOVm1vZjNEUjh4cmdTUFh1VEhDR01UemJZV2JBN0d6UHg4VFhIYW9IMmkxdDZ1Tk53SUEzalpYZHJrRUpXNDZqakc2LXVHUWJmaWw1NmNFUHdTWGZPaHBISWZMN25oOUdNbHFZcFdRRV9ucmNrSDF0cV80TXR0Vy1samdzTUlfdXlTMjl0Z3g5VHFCd2VJb3hQTmViWVFFSThSb2p2bUp3M0tlWkE4VlVNZw?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24778 (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/10.json (key "24778", 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=24778
- 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