# DEPARTMENT OF THE INTERIOR
Washington, DC · NCUA charter 319 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/department-of-the-interior-319

Who the members are: federal charter, multiple common bond, organized 1935. 19,807 members of 100,000 potential (19.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $273.2M |
| Members | 19,807 (-5.5% YoY) |
| Full-time staff | 37 |
| Net worth | $20.1M |
| Net worth ratio | 7.4% (p1 of band) |
| ROA (annualized) | 0.91% (p66 of band) |
| Total delinquency | 0.66% (p56 of band) |
| Net charge-offs (annualized) | 1.20% (p93 of band) |
| Loans / shares | 85% (p77 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 2.20% |
| Net interest margin | 3.35% (p36 of band) |
| Operating expense / assets | 3.14% (p27 of band) |
| Vehicles % of loans | 11% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 67% (p46 of band) |
| Vehicle delinquency | 1.08% (p79 of band) |
| Vehicle NCO | 0.57% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 88% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 38% |
| Average share balance | $7,125 |
| Participations bought / yr | $12.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $29.7M |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,501 |
| Loans granted, annualized | $29.2M |

## Participation posture (from the same filings)

Bought $12.5M and sold $0 in the latest annualized quarter; $29.7M outstanding purchased (148.0% of net worth), $13.2M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares -3.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising | loans>95% of shares |
| 2017-06 | 1 | loans>95% of shares | net worth falling, delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 3 | net worth falling, leaning on borrowings | delinquency rising |
| 2018-03 | 2 |  | leaning on borrowings |
| 2018-06 | 3 | delinquency rising, leaning on borrowings | net worth falling |
| 2018-09 | 1 |  | delinquency rising, leaning on borrowings |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | leaning on borrowings |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | loans>95% of shares |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | leaning on borrowings, net worth falling |
| 2020-06 | 2 | thin capital, margin squeeze |  |
| 2020-09 | 2 | net worth falling | margin squeeze |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 0 |  | thin capital, charge-offs p90 |
| 2021-12 | 1 | thin capital |  |
| 2022-03 | 0 |  | thin capital |
| 2022-06 | 1 | thin capital |  |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 4 | charge-offs p90, loans>95% of shares |  |
| 2023-12 | 4 | losing money | loans>95% of shares |
| 2024-03 | 7 | delinquency 2x band, assets shrinking, members leaving |  |
| 2024-06 | 6 |  | delinquency 2x band |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | delinquency rising |
| 2025-03 | 7 | net worth falling, delinquency 2x band, loan book shrinking | members leaving |
| 2025-06 | 7 | members leaving | delinquency 2x band |
| 2025-09 | 5 |  | net worth falling, loan book shrinking |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | losing money |

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

- 2026-07-30 ['This place is sacred' | Runners warn East Potomac Park redevelopment could impact iconic DC race routes - WUSA9](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQcF9wemM1TGdJOUhfZFp4c21sc2s2ZU4yZkZ0TzVaLUdQdmNIN2taSjZJN0ZJQXZtejNULU5hNGRDM1VBRG9PQzlIdXRnXzhxQWM0ejBvdjJIN1E0c1VDRjVwRmdwemZ0clBCZUtzRVJCVW5VeFpEMlNodVNQVW1aV1ZJb2s5OXNYanU3am1XMFJfMURLZHV1OWRtZzAwcXpBZkYzTUszcDNGLXA4QUg0OWg4RFVJdXhGUkYzY1pzYWRUWndVSDg0NTRxNWh6VTA4RThnTmZ2U1IxbEMxQ1JXT19EM3BMTFF5UHdXRmtKQ1FsRWxhYUE?oc=5) · WUSA9
- 2025-12-05 [Interior Federal Credit Breach Affects Hundreds of Members - Claim Depot](https://news.google.com/rss/articles/CBMifkFVX3lxTE56QktHdUhubWc0alE1TEVyVlJxQmN1SUFfcHVSbXZNeVFPaEh3MzgzLUk1S19zOVE1ZGsyNUNUUHhXRk5rYW1uMDZQV01INEUxbHpQeVc2SVphUVVxOVZyTUZ4dmlnaE9hWGpiRFFVQVBGcHg1QjRaSnBBc1hNZw?oc=5) · Claim Depot
- 2025-11-12 [How many people work for the federal government? - USAFacts](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRUV5bDliTVdMc2dLeWdSS00wcjBKTnV6YzhfY1ZiYXBydVRWOHdUYk9kUjRJTmRuWTNtNzFFV1hJcGg1RTZra0M5X1pkZVdUX0R5Nm1KeUtES3dfZEZkamU3cnEzdV9NeW0xaEYwUGpzcVFSajFMT193MkJ0UWtzVVVla1U?oc=5) · USAFacts
- 2025-01-08 [Political Appointee Tracker - Partnership for Public Service](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbDdNV0M4NU5FaVNwNEhkeHlyWDVSbHNZdm0tTll6MkpjZEdoNDVubjJzWVFvZ01fT0V3TFNkRUhJOW1ieXoxcUoyVTlCZ08wMzVxdTNqRHVqUVNmSWxhSllnX3EySWQyWElRU1VuOVF6Y2Z5M2d1cE5sZEtaTC1fT05kX1FvWUdEclU0d0dDTjFGbmc4YkE?oc=5) · Partnership for Public Service
- 2026-06-05 [Inside the Implementation of Schedule Policy/Career - Lawfare](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV29naUNSNG9yTXpRY3J6NjRyTmthNkc0QTkxb2xNVGt0d1lkMmw1Z1FXcjNJbnpGRFNXOTRyWEVxMXdhbXVNMUJUS0lOMGY1ZFFZempoMkJUdVhOUk1KQmRSb2p5eTBqeG5Qa1lYRVBuLTJQOVJYVTNnVS1CUWZ3V24tQ0stOER2VTVaWU92V2RzZw?oc=5) · Lawfare
- 2025-10-01 [The federal government has shut down. Here’s what it means for Texas - The Texas Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxON19SVlhhdjg1OWR1Q3pVV255TWlQa2JibV82eUZHRlpJVkJsQ1MwLVE3Tno1U3RseFdWQVJ6M2xRZkdEamZQRVo5REFMV3FKdTZLMUNadEdqc3pFeE95c0stRnFETjJsLVlEUml0dlh1VEI4R2dGZHZqTnBJYl9KWEF6NzVvN0ZMeFZFX1daTmh1MlMzYUt0c0MtZmhnaUZ4?oc=5) · The Texas Tribune
- 2025-01-31 [Trump wants to cut the federal workforce. Who they are and what that means - NPR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUHcxUF8zM0t2Z2dJWGZmSTZDQUwxN19VOUREWnhEQzh5Q1BxY0Ruc2t2Q1gwMFJ5RGFkLXhXbUZpYkgzQkJHYTFCQWRLbzhtMHJjQWhwZUNSOWJscU84N3lKTTJ5ZUY1M0dCSXVFckFld2ZxVUMtMWlEdk56V1k2MUdRLWQtOVF4?oc=5) · NPR
- 2018-08-24 [Housing and Urban Development gets a new CIO - FedScoop](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9KVFFMVDIyLWVHVU84VGE4MjMwSmhNX3RtSktYRjlsSjEtUHAwbm5fcjBISFd4bGFkOElGNk45RXo0Zy0yWkpuY2hXQ2YyT05kQUdGV3ZhWQ?oc=5) · FedScoop

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=319 (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/63.json (key "319", 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=319
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide