# NATIONAL POLICE
CHICAGO, IL · NCUA charter 2876 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/national-police-2876

Who the members are: federal charter, multiple common bond, organized 1938. 42,349 members of 3,309,224 potential (1.3% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *participation buyer*. 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 | $615.1M |
| Members | 42,349 (0.2% YoY) |
| Full-time staff | 77 |
| Net worth | $54.0M |
| Net worth ratio | 8.8% (p17 of band) |
| ROA (annualized) | 0.57% (p46 of band) |
| Total delinquency | 0.67% (p60 of band) |
| Net charge-offs (annualized) | 0.50% (p57 of band) |
| Loans / shares | 57% (p9 of band) |
| Cash / assets | 6.4% |
| Borrowings / assets | 3.25% |
| Net interest margin | 3.01% (p22 of band) |
| Operating expense / assets | 3.02% (p22 of band) |
| Vehicles % of loans | 44% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 16% |
| Third-party paper % of net worth | 89% (p46 of band) |
| Vehicle delinquency | 0.36% (p30 of band) |
| Vehicle NCO | 0.99% (p57 of band) |
| Repossessed % of vehicle book | 0.01% (p38 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 25% |
| Average share balance | $8,207 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $31.3M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $13,167 |
| Loans granted, annualized | $72.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $31.3M outstanding purchased (58.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 2 | delinquency 2x band | charge-offs p90 |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2017-06 | 0 |  | thin capital, charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 1 | net worth falling | delinquency 2x band |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency 2x band |  |
| 2020-09 | 3 | thin capital, 3rd-party paper>100% NW | delinquency 2x band |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 1 |  | net worth falling, 3rd-party paper>100% NW, margin squeeze |
| 2021-09 | 2 | 3rd-party paper>100% NW |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | delinquency 2x band, leaning on borrowings, auto monoline |  |
| 2022-06 | 7 | net worth falling, delinquency rising |  |
| 2022-09 | 6 |  | net worth falling |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 7 | assets shrinking |  |
| 2023-09 | 6 |  | thin capital |
| 2023-12 | 5 | thin capital, charge-offs p90 | delinquency 2x band, delinquency rising, assets shrinking |
| 2024-03 | 4 | net worth falling | auto monoline, charge-offs p90 |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | loan book shrinking | leaning on borrowings |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | loan book shrinking |
| 2025-12 | 1 |  | thin capital |
| 2026-03 | 1 | thin capital | 3rd-party paper>100% NW |

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

- 2026-04-30 [Funeral Details Released for CPD Officer John Bartholomew - WTTW News](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTEJwS2JiRTRaWjR1RDRFcmNzTk9aSV9HRlVwRkJZeHpqLTVLU2xBc196NU5PU25JeC0yTDRKMWVxSjNpQVpxU1UtbktYYmw4cHhONGtRMGtDZ3RrRjlfalZJN2pfMFV0SnU2VFhuUHlqZ2s3LW1JQnZKMC1sbWNyVXJpNGg3TVBtUWlYbmNobw?oc=5) · WTTW News
- 2026-04-30 [Funeral Set For Slain Chicago Police Officer John Bartholomew - blockclubchicago.org](https://news.google.com/rss/articles/CBMipAFBVV95cUxNTFd2VG1LVmZNOE1iZmc0VHFiMnJ4OFp0VExvZVpPcDlxaXZOUGdCTGJzNDNLRUZfMVpsXzh0ektuamZKYUt5RFItajEzVlRHbEllRlZ0U1dCVFMzN3Z3X19jRGE3Q05uTk5GMFo2TlA5Y1hLZkxkRFJaWXd0MXc2Vk5vcTdCZUNrME4zUDJQRHpQakFCcHJ0TlFiTDBaYW9TSlN4VA?oc=5) · blockclubchicago.org
- 2026-05-01 [Services Set For Fallen Chicago Police Officer At St. Andrew Orthodox Church In Edgewater - Patch](https://news.google.com/rss/articles/CBMiswFBVV95cUxQbEZCY1dZR1hXTnIzNUN4LXFQdHBYWWhYWnpPYXpvODk0QXNKSTVjcHBMYjRiY1U2UkpjZG1lbVNvczV4OWphdmk0c3RUc3NKbGttaWFVdi1VLV8yc2FlMWF0cEphNEV3VFFBU3RiVnVJd01vQzJnN18wOUN4VVRVUnhVWktVQ0RsV2R6YnJhYk12b2J0RjRKbmJ5dEZWdGxiYmxJS1hsUkFWQTFrbHFSdlZVWQ?oc=5) · Patch
- 2026-04-25 [Chicago police officer killed by suspect released on electronic monitoring while awaiting trial on carjacking, armed robbery charges - nadignewspapers.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOelI5N21Cc19SaUJUQk5mTjdlSkppNEdETkxjRzRfRU5SRXcteU55ODg0TkdnU2h1ZFZTZ3RmYVo1LXpKMFlzcHd3YUxnVVBNSjBoclRpdkw1V1FvcHBxNG02UnhiWmFENU1nZHZuRTA5R05kNy04eERjOHBJMklQTTV0d1lXeXFZNnF0dk0wTjJEaV9hZVZOd3ZfTEpJRGVIenplcTB6S0NmSW5JYzBRcGhpeEd3dk0yaHpwdnA1RDdmOW5IV3VUam9Bc3hRRkhkLWRabTNJUkFBLWN5RXdybUN1X1FURTNlNWVJSE5aSFRwQQ?oc=5) · nadignewspapers.com
- 2026-04-30 [John G Bartholomew Obituary (2026) - Chicago, IL - Memory Eternal Funeral Directors, Ltd. - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOY0djbkF3Rk9SV3p0Ykd6VVZ2akE0dC1MVlJ4M0Z3TEs0Rll1QUlsM3lrSGg0STl5STV3N2ZzQkg4NjVEMGhacDBzVXFMN21LTWgzY01pQTduRkE3ZGtRSTZiWndXcGNPTG5uRWRoY3NDWTZybndLUll6S0k4alE5eDRIbENhZw?oc=5) · legacy.com
- 2026-05-11 [Lyons honors fallen at Cook County peace officers memorial ceremony - Desplaines Valley News - Southwest Regional Publishing](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQSE1sNTZ1c0hGanhGdUthMjFrdndBQnpGaG8zRHdlUVA1ZEREMTcxd2ZGNVhybG96MXRxa2Q0eDFUQzVTcjhZOW5iTU1uTGhHbURyRUJuaHg1Nk5oZUx5YlI5NC1oVWlMMmNaeXVyUGlUMXNRQ1U1NzRqNDU1Q2h4S3hSOHJjTEFsTUlRZWRfZ2h1WVhPczdSWXlKOXpmS3lQNk9OSDJEVDdrcC1lclZjUU5fNENLSU9WRDQ4?oc=5) · Southwest Regional Publishing
- 2026-07-10 [Clifton O. Bartelt Obituary (2026) - Aurora, IL - Malone Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMlR1MnZnUEVOY2x6TmotZEFjQ1oybHN6UWtHYTRYRWdmcTd3cTNzdUY3b09TYWhodDlPT0h3TlMzaG5ld2NBZkJlMmJLSjNEMEFLMVFRQmZJYURTR0JSNlNoNVB4elZ6ZmJFWXdwejdpQVhiYzlWQ2E4bTU2VFc1YWtIbWs?oc=5) · legacy.com
- 2020-01-04 [Police: Robber sexually assaulted hostage at Illinois bank - NEWS10 ABC](https://news.google.com/rss/articles/CBMimwFBVV95cUxQRFM5WHpkcjJpOVFVYnFYUHI5akpEWllKWVVTd2QyWlNXTUpaR05tYlIyb3kyVUxpb2g5Z3BzN1pKb3BJQzNacU1rLVR1T1VZMWZlSUZaTHhTN19KV1p3R0VwWmpJN3E4UEEyQ3lIVGdTNHdwdXF2UlRfTTlCbHU1TE51T215Vmo4X0F3VlY3c3JFNkhORUxnX21vWdIBoAFBVV95cUxQMlROZUhKYmw0Z0tUaklPd1djbUE1ZjFpdVN0Ym5XWnZaMU8zREY5bFVqTkE0ZkFyNTVOUVRkbDloQWczUU5uTUE4ME1MZXFXTHlkdXoyX182RWk5Yk12bDFkUVV3c3M2WmE5d1ZGOXNOUDdkZlI1TXBnTklPOHMtRUFCalFNdEZNamJjVGszcHdLMnFLdGVzakdhN0duTThZ?oc=5) · NEWS10 ABC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2876 (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/60.json (key "2876", 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=2876
- 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