# GREENBELT
GREENBELT, MD · NCUA charter 2490 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/greenbelt-2490

Who the members are: federal charter, community charter, organized 1937, low-income designated. 2,518 members of 7,500 potential (33.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.4M |
| Members | 2,518 (-2.1% YoY) |
| Full-time staff | 5 |
| Net worth | $3.9M |
| Net worth ratio | 10.4% (p26 of band) |
| ROA (annualized) | 1.02% (p74 of band) |
| Total delinquency | 0.11% (p24 of band) |
| Net charge-offs (annualized) | 0.33% (p66 of band) |
| Loans / shares | 29% (p11 of band) |
| Cash / assets | 72.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p50 of band) |
| Operating expense / assets | 2.75% (p32 of band) |
| Vehicles % of loans | 28% (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% (p15 of band) |
| Vehicle NCO | 0.05% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 5% |
| Average share balance | $7,419 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,995 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 1 | margin squeeze |  |
| 2020-12 | 2 | net worth falling |  |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 | members leaving | net worth falling, delinquency rising |
| 2021-12 | 3 | delinquency rising | members leaving |
| 2022-03 | 4 | net worth falling, members leaving | margin squeeze |
| 2022-06 | 4 | thin capital | delinquency rising |
| 2022-09 | 1 |  | losing money, net worth falling, thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 1 | members leaving |  |
| 2023-09 | 0 |  | members leaving |
| 2023-12 | 0 |  |  |

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

- 2024-08-01 [Greenbelt Federal Credit Union Merges with PG Community FCU - Greenbelt News Review](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQUJ3YkowZjBxb1I1elZxRWVQOHJHWFYzYzdhRW1pNWEwSC1tLTNOaHV6Zk9xVjExaGdTQjhqazB0M2V5eGlNMmd0Q0xYMUtUdHlqVDNZOXhpczVBLS1XZ0VFLXd2VG90am53b1h2RDBlVExFQzMxb1hGSlBWdURSQ1NuTTY5YkhzZXJwRXhVZTk4U3pNU3VhYy1NWUtwdk8tdF9iQ1pFMmZ3enh4Z2c?oc=5) · Greenbelt News Review
- 2024-07-16 [Lafayette Federal Credit Union celebrates grand opening of Greenbelt branch - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxQV3RZeW9CR2lDbjdSRGREcHlGZFVmNFJPYmhlRTJqLU8tdnZsTzBMQTRkUE1reUt5NU83SVR1NWVpVEkyc3ZOTWd3MGZTRmU3T3Uwa3F4NmplaER5aVZyLV9TZzFDZGZVak5hbDMxdjNaZVNxWUp5aXhOVHNvQ1dGVG4zZWdZSnBTNEw1VWNveGw3SGpVdXJZQjJDblRySkpZRlIzWDNOVHVwOFVkMnlSYUdQYk9yLWs?oc=5) · CUInsight
- 2020-08-27 [Recruiting new blood: Interns gain experience, CU gains energy, insight - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxONTQ4Tkk0UjVMMmZ5Y1JCcDZVQ0NBeFluZlAwTTBySVFQWUZHU1dURXFyR2ZPc2JNd0ZUTjZMcUZqY0Y4TWlLRFZXMTNpaEJfYWRZOFBRXzNyOEhfSWpwZjg4ZjJIS01sZUU1R0lXQmp1WXpMY0ZJMS1oUzFoS1c1TmVmMUxsYXgzQ0VadHQ4aFFhbThnRlpzUFhsRnA4TU5yNkZILUdpRWtTaFBZZTQ0?oc=5) · American Banker
- 2018-03-12 [SECU’s Cassie Costin Will Serve As Community Market Leader In Greenbelt, College Park - citybuzz -](https://news.google.com/rss/articles/CBMivgFBVV95cUxOaHpfTDFSU255TzBrS19UYVI2eVpWRFd4TFg4WGVRdXRzTmZUc2VwU0hYNXZIa2YzQnBVVWdQQ1k0ZGlzTUlSdERVc0dFTWlxVnQ5VHUtZkVSUjZvelAtN2t5a2d0TU8zTXF4eml2YV9mM1QyX3NlZWl0M3NTN2t3SVhJWVFNaDJ4ZmlqQ0NodWdRdi11Yl9UNEpKSGZVQUhydEp2aEJ4aHZrc2hTQ1d4Vk15ZWNkSDNvN2lXbTJB?oc=5) · citybuzz -
- 2015-08-31 [MBA Adds 28 New Members - National Mortgage Professional](https://news.google.com/rss/articles/CBMigAFBVV95cUxPSmlGaGN1UUlyTVBzUHVIVWZ6UENzcVo5T0hpM3FaMVBqSjNTMVN1cGJWbE11N2ltMGRSZFRWMzlMcHJwS1NSazhfdmgweDl0bWpjYkFlWkdSZ2JNMFc2OGI2dWhFblNKOHVtYXR6ejBWVzhtUFpyQWJqeVh2NEdwcA?oc=5) · National Mortgage Professional
- 2025-07-17 [PenFed Continues Adding Branches in Puerto Rico - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaXNoY19GbWtnbWwyUXdaMnJRaWJ3YmFMcVV1REMtN2x6c012cDljRE5MRlpuMVAwM2JoLXlVUDFESVdNbDNFckV1aFlXWVlyd2R5X2RFdEpqMF9kOFlCeWJ3OEx4MGRBZEJUcjRIRnZCT1JFbEV1c09GdjFBUWtMdzZDUGVXbE5Eenhn?oc=5) · CUTimes
- 2017-07-26 [Everything Old is New Again: The Long History of Greenbelt’s New Economy - resilience.org](https://news.google.com/rss/articles/CBMif0FVX3lxTE9FS3o5WnY5aXNmZDRxM0w3REwyRmg4U21MWVc3VnFUM1NHZ215c3k1TmVUQ0ZpcHpVbk9zNGhNTzFQWGJqMEg0eng5cWtFeVlkbGhLR2p5UHlfdFhQS1YxQXBIRzRqTlNMc1JYV05lSUNyM0xiTWRFdV9XdEZDRFE?oc=5) · resilience.org
- 2024-04-07 [Marilyn B. Tompkins Obituary Apr 7, 2024 - Melson Funeral Services](https://news.google.com/rss/articles/CBMicEFVX3lxTFBEZldWYjVac3pDS3RMcXZfdFMzM3ZGTDluWXhEWXVPQlhEeERUMDBIdnZZWWZxenhnZmFjbUxWdEJVbzBER2RkbEpJRE1rM1EyZXowYkd5U251ZU9Gd01rMmVvdnFTcWZFQm1udnVXVFE?oc=5) · Melson Funeral Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2490 (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/58.json (key "2490", 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=2490
- 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