# PWC EMPLOYEES
Woodbridge, VA · NCUA charter 24971 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pwc-employees-24971

Who the members are: federal charter, multiple common bond, organized 1971. 6,964 members of 56,000 potential (12.4% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $85.3M |
| Members | 6,964 (-1.3% YoY) |
| Full-time staff | 17 |
| Net worth | $12.0M |
| Net worth ratio | 14.0% (p63 of band) |
| ROA (annualized) | 0.76% (p55 of band) |
| Total delinquency | 0.80% (p63 of band) |
| Net charge-offs (annualized) | 0.13% (p36 of band) |
| Loans / shares | 38% (p12 of band) |
| Cash / assets | 36.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p39 of band) |
| Operating expense / assets | 3.52% (p48 of band) |
| Vehicles % of loans | 41% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.09% (p72 of band) |
| Vehicle NCO | 0.02% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 28% |
| Average share balance | $5,962 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $11,642 |
| Loans granted, annualized | $6.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (20.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | net worth falling |  |
| 2025-12 | 0 |  | net worth falling |
| 2026-03 | 1 | loan book shrinking |  |

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

- 2026-03-05 [PWC Employees Federal Credit Union Announces Relocation to Liberia Avenue from Center Street - InsideNoVa.com](https://news.google.com/rss/articles/CBMikAJBVV95cUxQS29qcjNvMlNGV0xTRHhDTmlIem1fN0ozX2NjWEdPZTVvVVlzbHFtcUJtUzZ2VVZKRE9BTFdVV29NSE84YjFrS2RsdTE2X2JUREcwWVJneDN4bkg5ZERxWVZFakJ1MF93SlZvYTQ2Z0JSSVE4REdjekhsTFprWmxUYzFSOG5laGw0aW03dFE3OS1MYm5BM3d5MmJtX1ZWSUdiOC1NZXUwYVdVMlJhT1k0enVzbVhEWUo5UjFfTkg1Y0N0U0xHbE9qZTVsZTBtS2R0UHAtR0wtYWJDRWFHbEVJdktmM2ZZM1UtSHkyZ1lKMzlqNzgybTJMcU1ZeXE0N0NkRWJNVVZ1emR1M2pNX1d6VQ?oc=5) · InsideNoVa.com
- 2026-04-02 [New Ideas, Local Roots - Prince William Living](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1RZlVvTF9QM1FsejNrb2tVSkJERks5bGcxQktGdVcyaVdBNFFDd253VGlxdkdIOXNieHBmT2NkR2VrWlNxU0pKM3BIRE8tSEJZZWk4aUF3LTFpbWlTQzBjNFNYZW8?oc=5) · Prince William Living
- 2020-07-30 [Candido Valentin Obituary - Fredericksburg, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQckZrSENPbG01YzBLMWJXemNkakpvRk9lTjBWQVR6Umwwd1Zoblo4WHRyY3FNY3pPckszSEJuemlfM2F2azNBQzhDUXpOZUFFZ3B5bGY4QjNzUlI3VWltc2pQRmlfVEFCZ2k1MUV3Y3RXczd3Tk0wSXVvVS1qQWZONjVCSDZPckVrOVB1S2tR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24971 (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/11.json (key "24971", 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=24971
- 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