# LIBRARY OF CONGRESS
Washington, DC · NCUA charter 266 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/library-of-congress-266

Who the members are: federal charter, multiple common bond, organized 1935. 9,983 members of 22,000 potential (45.4% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *ordinary*. 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 | $341.8M |
| Members | 9,983 (-1.5% YoY) |
| Full-time staff | 26 |
| Net worth | $55.5M |
| Net worth ratio | 16.3% (p93 of band) |
| ROA (annualized) | 0.72% (p53 of band) |
| Total delinquency | 0.37% (p27 of band) |
| Net charge-offs (annualized) | 0.38% (p48 of band) |
| Loans / shares | 66% (p33 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.83% (p10 of band) |
| Operating expense / assets | 2.23% (p7 of band) |
| Vehicles % of loans | 24% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.34% (p32 of band) |
| Vehicle NCO | 0.73% (p55 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 35% |
| Average share balance | $13,016 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $24,568 |
| Loans granted, annualized | $24.4M |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-07-07 [2026 Library of Congress National Book Festival to Celebrate America's 250th Anniversary - Alexandria Living Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxQWFVIM3o3M1VyNVNpcGZJYWtyem1TU1pYUF9MODNnS0pEeVROZUZ4RXhKOFdrQTdnU3FETnNvRkNuVWdFRS1sM2p2cGFGY1pEclNodFZIc2dlWlFZbzEtMjNNQThZOFlfQlFDTEZwWVFzV3h4OXNiQUd4b2wyYmhZVFhCR0dZRThwSmRFMDZkZF9IV2x2eDRNblcxZEdwejNyQ0gyOFFyUDlCWTlkSVhnOW5TSkw?oc=5) · Alexandria Living Magazine
- 2026-02-11 [Why Stumpy, DC's iconic cherry blossom tree, is drawing so much attention - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMingFBVV95cUxNV0pLaDVfUVZlNjN1OTNuNVBYT0dzNWoxVXBxSVZaNHhwdmdGQU1qWU9nNWM0NkI4aUFfZ05neGt4R1RHeEh3aHU1c29lMzFzUFBWV1ByTzBEMzVGc0ZuMmNoWlZuWk1CTTFfb21xRUE1NzEya1h3cDFHWGdGNUg2V3Vza1pWdEFPZ1hydTRJcWpUUE1teHdDVDFLMTExd9IBowFBVV95cUxQcXhtc2o1Q2FMUnA5MlNWMklvVlEwRHh4Xy1Kb2h1WFk5MUI5MGwwdVpCX2gwZnktSklFeUE2ZWRDb3YtT3VLMXJ0eG5QTjBiUU1xZFRpQ3NxUjZnMmhJaWV6UkxfUTNZSG1DV19nZElSTWY0Vmx4QUVQWkw2UDVmdGQ1WnlGaWwzU2dTN2NKLXdOTnVXOXU5RVhYOFhSbDVvOUlV?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2025-10-01 [They keep Congress running. The shutdown plunged them into uncertainty - Roll Call](https://news.google.com/rss/articles/CBMihwFBVV95cUxQd2tTRlJ6NmhMZ3Y1SGtOZ2FybGZzRV8xYW53QlJZYVhLOUI1YW9QNU5BSG5HLUJmWXVCakxQa3UxbHJSUGlnLS1FbHNOWm9taDN6ZHdMQXVaaUpfTFVtT1h1U2FiNU5YV2tyWFdQN251M3FhbEpLODVTOWhNUTBmTU40cnBnWHc?oc=5) · Roll Call
- 2026-08-05 [Free Family-Friendly Activities Abound at 2026 National Book Festival - Library of Congress (.gov)](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOMHVuZk5wVjBwY3VSMzRGSHdwR3drYWQ4cEJhTy1qdFREUzdDWENhX2RDamE0MFFXWi1yb0ZqWm1pLUluSWFva1V2cHN6OXdDRHpGcC1IcTBtNm1WRUFZSWwtczZtYWtvVERZX2xZOU50SUZVMlRpWVg4SnVHNkt5VzItSWJ3ZGY5MHBqUzdsRmRMdmdZbk52SHdwcU1DRmJWdzdmM09JUm5Ub29fY3g1X1FZNUQxX2staDNmLV9SM0Q2N1lMSERvdk1pekpmVUdyRTBYcA?oc=5) · Library of Congress (.gov)
- 2020-06-18 [Fazio Named New Executive Director, Others Named to Key Positions - NCUA (.gov)](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbVNhbk4tVTRFZjlPTElnbUMzT3U5bEdYTmlVTEVwbEtTTTNtQU9tb2ZxNi1sRmhnRU11ZG5SLWVKbGd1Z044SUtIYklLVlQ2SEFrbE5kVDFReUF2T1JiXzBBTVRmaXptV1E5SFNlcEF2MHlPTEpSS3h3bXBaMmp0T0RyVDYzdW5pTHRUeEJZemR6c2NmelpNRTQtVkM4Uy11eWswRzRNZ2otZw?oc=5) · NCUA (.gov)
- 2025-05-14 [Opinion | This is Trump’s ‘most crass, inexplicable and senseless firing’ - The Washington Post](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZTY5bWQ2aHZBZk4xeHc2bVR1c3gtSmplQ1FmV092c242YnI2NDhFSXUwWVNxdWpmVUxkdzRmUUJMT0VKUGpvWGl5VnZST1Z4d09UU3pSRDE0WU90NmRUakdlMkVDX3kwcW00LVNCTnNHWHFVeDRsbmJ6dlNYTTZ3bElZdERyOFh4T2x2SW9TMEJhUQ?oc=5) · The Washington Post
- 2017-10-27 [The 5 Cards You’ll Need at Georgetown - Georgetown University](https://news.google.com/rss/articles/CBMieEFVX3lxTFBxUHpZd01SUmFFWUNDM3h6XzVOOTROQjhkWlplOXpuMnlURHloMUp1aGxQUm5ETUo0UUdzbFZhcjVBN0lfZGRtNW1TMk5HeVNwTEFIaWR2SlZ5dkRjU2NuVkw1VjNoMWZPckd2Q0V2RjZyU2RQemVnWQ?oc=5) · Georgetown University
- 2019-10-07 [How Big Should Credit Union Marketing Budgets Be for Profitability & Growth? - The Financial Brand](https://news.google.com/rss/articles/CBMisAFBVV95cUxQMHJCczF3QnE4T0xUdW11NDNqNGtRV0RSSDJKX180NF9vRkIzTXRRSERCV3oxbk12cnBZcjhkWUd3SXVlVzhtaG5ReU9Gc3JFY2ZBVVl3QWRCbnpveXhvM0lmeDUwT1VpekNsUVBsZmZlVEVfVkVQVC1pX19DeFFDRjl0Qzd4bzFKbXV2SFFNbmVPdld3cWxYWFJrakJDVHdnT0thclpoQW55cXBkZWF5eQ?oc=5) · The Financial Brand

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=266 (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 "266", 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=266
- 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