# REVITY
Greensboro, NC · NCUA charter 24840 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/revity-24840

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 5,866 members of 164,059 potential (3.6% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $82.9M |
| Members | 5,866 (-1.9% YoY) |
| Full-time staff | 17 |
| Net worth | $6.7M |
| Net worth ratio | 8.1% (p4 of band) |
| ROA (annualized) | -1.58% (p1 of band) |
| Total delinquency | 0.94% (p69 of band) |
| Net charge-offs (annualized) | 0.81% (p84 of band) |
| Loans / shares | 69% (p65 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 2.41% |
| Net interest margin | 3.37% (p33 of band) |
| Operating expense / assets | 5.75% (p94 of band) |
| Vehicles % of loans | 25% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.43% (p92 of band) |
| Vehicle NCO | 1.28% (p87 of band) |
| Repossessed % of vehicle book | 0.12% (p87 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 56% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 28% |
| Average share balance | $5,137 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.8M |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,793 |
| Loans granted, annualized | $9.9M |

## Participation posture (from the same filings)

Bought $1.4M and sold $0 in the latest annualized quarter; $3.8M outstanding purchased (56.3% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

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

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

- 2026-07-17 [Triad credit unions near $1.7B in commercial loans after 34% increase - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPXzluUTdaN3BRQ3BfSlp6R1VtN19oWXJGOFdBWGUzUHZLMG1FWEx0MHBRZmNnTml3eXd1d2JKRmFLTjVJbW5tNE11SUYyZXNRQmk4S1FyemlmTi1La3dFdHoxUF9xUG8xblFlNE9UM3hpLWwzZFRiaUt4NndiMHF3RUlaTzdIWW16d0lGeUZuc0R6YmtvWC1mdVJ5QmV4aFBGaFBFaDBYTE4td2pk?oc=5) · The Business Journals
- 2026-08-18 [Zekthi Wins Main Event Men's Race, Krawczyk Wins Women's Main Event Race At Successful Edwardsville Rotary Criterium Festival - RiverBender.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxOa0FEdG1WRFNYeXdGMHQ3cU5JV2t2b1A5YnIzNkVicUc4c1NjSk5UV3NwSGk3b1ZxMXByZkI0VmFERW90WjcwT2t0VG1ndVJ1SFhKR0tFQ01QYVJOc09tWHpTZ1I3LURRMVlPVktHbVY2cnNZOUlCYy15NElVb19WVjBZMjcxN0Y4ZExnSDhwVFlhZ3hPRmFMQ2M4RTdxWVRXZ3ZUejR2U0VlQnQycVloT0VGdnQ4clNGUGo1bUc2dU1hUkZTU3VSaHFoYWUxWkZ5RG9BM1JFZjZLUUJNNnVHdWs4UFZjMkt4RzI2MjJhUTNXMFEzOExfTWdnejJNUEJKbUR5MURB?oc=5) · RiverBender.com
- 2026-08-28 [Len Harper Obituary | Milner and Orr Funeral Home | Paducah, KY - Tribute Archive](https://news.google.com/rss/articles/CBMibkFVX3lxTE4zWks0V2pyTEFyM1BWR244VWh5VUlhLURrM0hiNngyY2ZOZlJIUXJHWGR3MElaQ2tHbkRHTDVZZW0yQS0zSVBIeTdwYUJXSDAzcDJTTlJxMjdoaFUyUDd1LWxVUU5ldVVpcFhuTHpB?oc=5) · Tribute Archive
- 2025-06-11 [Triad's Best 2025 - YES! Weekly](https://news.google.com/rss/articles/CBMingFBVV95cUxNbkc3STktbUk4aFE2aUZJR1J4X0dvcmtzR3Ytank1UXdYOEVaWW53U0RyMnllQ3pkeDdpU0xfX0c0Q0V6RmRyNENxZEVKVTVERDJvRnBRNFhHVjJlbThuX09uWlpPRVQyaVlEM21ialZNTFNNd0FtTmtDSVBIbzJaRWw5ZjV4amotQkZnUHI2cHlkVGF4MnJxMlpRaDZRUQ?oc=5) · YES! Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24840 (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/8.json (key "24840", 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=24840
- 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