# EP
Washington, DC · NCUA charter 262 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ep-262

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 4,087 members of 7,000 potential (58.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $74.6M |
| Members | 4,087 (-5.3% YoY) |
| Full-time staff | 12 |
| Net worth | $6.0M |
| Net worth ratio | 8.1% (p4 of band) |
| ROA (annualized) | 0.47% (p37 of band) |
| Total delinquency | 1.27% (p80 of band) |
| Net charge-offs (annualized) | 0.03% (p23 of band) |
| Loans / shares | 58% (p45 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p44 of band) |
| Operating expense / assets | 3.96% (p64 of band) |
| Vehicles % of loans | 22% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.19% (p75 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 12% |
| Average share balance | $8,566 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 903% |
| Average loan balance | $24,386 |
| Loans granted, annualized | $11.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 2 | members leaving | losing money, net worth falling |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 3 | losing money, members leaving |  |
| 2017-12 | 2 |  | losing money |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 3 | delinquency rising, members leaving |  |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | members leaving |  |
| 2019-06 | 2 | net worth falling | delinquency rising, members leaving |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 4 | net worth falling, repo signal |  |
| 2020-06 | 3 | losing money | members leaving, repo signal |
| 2020-09 | 5 | margin squeeze, members leaving |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | losing money |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 | delinquency rising | assets shrinking |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 3 | delinquency rising | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 2 | losing money | delinquency rising |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 1 |  |  |
| 2024-12 | 4 | delinquency rising, assets shrinking, members leaving |  |
| 2025-03 | 4 | delinquency 2x band | assets shrinking |
| 2025-06 | 3 |  | delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | delinquency 2x band | delinquency rising |

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

- 2019-08-30 [Un-Rapp'd Ep. 2: Prepping for NFL Training Camp - Rams](https://news.google.com/rss/articles/CBMigAFBVV95cUxPalJwTFdadXBFOE9Vempxd2IxRXNwNy1fUFpzOUFpWHNVUVhmRnZRVzQ3RU9QSWtwanpBa2tPWGFLdGFMNzBZb192ZWRNd0wxM2RxQ3AtODlwRXhmTXdvdXo1TzFmNXh5b2w1WEFNM0VHS1JQVjFXeHRyZGFpTER0Wg?oc=5) · Rams
- 2023-07-14 [grentperez Revisits Title Track of New EP with Cavetown Collab - Shore Fire Media](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWkJfSTVtQktVTzZwNU1IQU0xM0xIWDFIajFpelQxSDNsclNsYjNxU0VfTXJkX1l1NWFZVmpMclM5M3I5RE9YdXllOTAyZE1WSkEzVVNIb1ZsT0dTRTBlZDdjVGd6cXlFZHpORmo0UExmWTFUQTN4bDhIZU9BLU5jMFQtVEtjYXlfcjNKb3hMcUs3cHhRTkpQOUtMMHhUTjhL?oc=5) · Shore Fire Media
- 2025-06-10 [Orville Peck Starts His Stampede Tour today in North Carolina - MELODIC Magazine](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPbFAxQWoxSnpORFAtM0p3Y2Z0Z3lLdGxmMGs0NFJDNkdzX3BvYkV4aUhkYUdDNUl1eHpycElfM1hPRFBJT0hxNDhPNWR3bTR0aUxYUEU1R0FsNDVkRm1iRlFHYUh5NVBiQmREeTJZbW10Ri0zT3dQQVdmYnAwaTNlVlNFdEp6QkpDV0pRbHhJbDhMMEhzUWdoZHZDQ0wtSEc0dXg5bzZJb1g?oc=5) · MELODIC Magazine
- 2018-07-07 [Casey Alan Bailey - Standard-Examiner](https://news.google.com/rss/articles/CBMihwFBVV95cUxNRHpuVU5mZDZBRlZhMkRjM3JSZFRyZmJzYzV3eTgzREozb0hDTXpYRXg1akdBRm03Q2JKRUd6dXhMMkJnYjVNdjN5dWFGZWd2MXViU2NJQkhuNU1hU0xfTWtHdEpmRnlhenI3OHlwWUpUZnRfWW95bllUOURnbkFsY1lPTjhWR0U?oc=5) · Standard-Examiner
- 2019-06-18 [Meek Mill and Future announce co-headlining tour with Megan Thee Stallion, YG and Mustard - Rap-Up](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPd0E0S0pyeTRHaDlNOE9Qc2czUUtIMHZZVl90aUtXcFdzUEJNNWFKQ3FIb2N5YzZWdVlkV3dIVS0xQUoxdkdQUEo2U1p0SGZPYTBKanZpMEpCRmRvQzNVYXphVy1CQXVYdlh2Z1VWR19OVVo1T3lyMEs3WEF5REg3VTlMVnoyNnRyQ1FnSy10MlR1bHFVeG44cHc0X0Z6Mkw3bUQydzhzVzY1WnhZYkVJZjVqWUdqNDR6V2ZFTC0xMnRiRzN6elZPUHEyVDAzLTJM?oc=5) · Rap-Up
- 2019-06-07 [PRETTYMUCH on Fans, Fame and Finding Boundaries: ‘Sometimes It Can Be Hard’ - PopCrush](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0zOUc3Ry1WUW1hX1NoOG5yblRTMF9mLUFMejgzMU1uZGNIM2x5UlN5Q2h5RzM3d2VHbEg5QlJmX3Q2UUpfSUZCUXA2R1lwMk1iSlhKUjBEMmZLX2NmMEZjX0l3?oc=5) · PopCrush
- 2025-04-25 [Diamond Cafe Releases New EP 'Fantasy Real' Featuring “Lover Boy” and “Sweet Cherry,” Joins Teddy Swims Tour - That Eric Alper](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQY0lDd21IRHBTaHNVbXNoLWtSWW40cS1QTmZXSjBKLThseW4yMjlHTEdDOVlIYjVxdDc4bzhqT0psMHRnZnFQckw4eW9PYWpTZElCM1dEZGd4WDR1MmdiREs0andGU3pRTUxxVDRldS1rSlQzc3NoaEZWTlNGUElMRTQ3YUR4Q1IzbWdaaG1lNGZCRmVjQWxBekNTb3dqRWkzRThCUmhBTDFFN0lPa2xtLWtVWExuekh0ZDVLTzZvVjhHUzBtT190b3RxUnpZb2hhcmI4QkpkcEpOOUk?oc=5) · That Eric Alper
- 2024-07-07 [Quinn XCII Announces ‘All You Can Eat Tour’ - That Eric Alper](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcTBnT0l3QWJRTDRCT240R2ZpWkRZVmUxODJkS1pESVJ2RnZ6S0hjLWlmTkpDMzhVZ1VsLWhUWVBoZGU1STlwMks4TGpzTzVSQkIwV0N1cEZwZlpwUmNCNlZyMlZiVTVlQzJuOTEyak56TURXOHFfYW5VWkJDaGlDa2NGeXVPOHNTbXNJ?oc=5) · That Eric Alper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=262 (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/6.json (key "262", 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=262
- 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