# F R B
Washington, DC · NCUA charter 320 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/f-r-b-320

Who the members are: federal charter, government (single sponsor), organized 1935. 5,709 members of 21,000 potential (27.2% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. 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 | $124.2M |
| Members | 5,709 (0.3% YoY) |
| Full-time staff | 19 |
| Net worth | $11.6M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 0.23% (p19 of band) |
| Total delinquency | 1.03% (p74 of band) |
| Net charge-offs (annualized) | 0.08% (p18 of band) |
| Loans / shares | 73% (p56 of band) |
| Cash / assets | 18.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.00% (p14 of band) |
| Operating expense / assets | 3.24% (p34 of band) |
| Vehicles % of loans | 11% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 2.07% (p92 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.24% (p88 of band) |
| Real estate % of loans | 81% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 17% |
| Average share balance | $10,343 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $25,679 |
| Loans granted, annualized | $7.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $169,607 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

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | repo signal | thin capital |
| 2016-12 | 3 | thin capital |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 1 |  | repo signal, thin capital |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | thin capital, net worth falling |  |
| 2018-06 | 2 | repo signal | thin capital, net worth falling |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | repo signal |
| 2020-03 | 2 | thin capital, net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | thin capital |
| 2021-03 | 1 | thin capital |  |
| 2021-06 | 2 | delinquency rising |  |
| 2021-09 | 2 | members leaving | delinquency rising |
| 2021-12 | 1 |  | thin capital |
| 2022-03 | 2 | thin capital |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 4 | repo signal, leaning on borrowings | members leaving |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 1 |  | repo signal, leaning on borrowings |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | losing money, delinquency rising, leaning on borrowings |  |
| 2023-12 | 6 | net worth falling, delinquency 2x band |  |
| 2024-03 | 4 |  | leaning on borrowings, delinquency 2x band |
| 2024-06 | 2 |  | delinquency rising, net worth falling |
| 2024-09 | 2 | repo signal | thin capital |
| 2024-12 | 2 | thin capital | losing money |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 1 |  | thin capital, net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | assets shrinking | repo signal |

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

- 2026-06-01 [President Trump Issues Executive Order on Fintech Innovation, While FRB Proposes Payment Accounts - globalfinregblog.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPTW5PTG9PTUgwYzhFUmdsbG5GY3p2TmlEazZOZFNYWlRERGx3Vy1hWndmbXpCNnNpUE1lZS13bWN3OVZ5b1FJNVk2dVZoNE9TOWliMlJUcnNUNklnUWk0WklwdjdTaHBSRjVDX182RUgxQmFXbkxFQkFpVDc3Rkl5NDRsdENNaG5kb280NDJEeWtQX3hiV2ZMUk84M1pwVm4tSVpiQUxGQUUydnNPVjdWbE9mOTNnaWRIaTBEVHVmZjR2bkNUTDA1Qm9CdlNXaTV3MWdPTw?oc=5) · globalfinregblog.com
- 2026-07-14 [Speech by Vice Chair for Supervision Bowman on responsible innovation and financial inclusion - federalreserve.gov](https://news.google.com/rss/articles/CBMid0FVX3lxTFBDTjBsTnJJVTdXS0tIYkNfVExCZm5lQmZ6UVE5cFJpRFltdHF5NUQ2c3NVM2RwZ3BSQjJ2RXNYd3FHMGZYc0ZGQXEtbjlkN2dJOHVHTy1HUmVlTVZyZk81bk96U0tsRDFtWHM0MGVCclhfeHJSZU9N?oc=5) · federalreserve.gov
- 2024-04-10 [Federal Reserve Wins Two Master Account Lawsuits - Mayer Brown](https://news.google.com/rss/articles/CBMirAFBVV95cUxPd1lYRVhFRTl2ZjctRkNGOU1UdXZDTGpUU3U3alozdHAwMTVCLURKV2dxc2VCbVo0dW9sZEIwd2dna1dITC1tb2lWQmRycWhWUms0LUtGOUJTS2g2anZFM1d5NXU0dDdibnUwQXQ2d3UtUzNSVzI3SVVjSjlRMzBaX1RqaV94NnpmR28zY0kwMTlZVlJYNDRCTnpSZExzeXVYQ1hRckc4TXExWmhQ?oc=5) · Mayer Brown
- 2025-08-07 [Financial Institutions Face Investigations and Possible Referral to DOJ Based on Past ‘Debanking’ Practices - Morgan Lewis](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPam1fZFFSY3IzaGFnSHVIZnc4dVlubTNTU2FrcmhadEtMTDZvM0p0anYyX3YtYjlRS05WZ3ZEWUFCQVZSTnZKQlQ3OVdsbUVhWVV6UUw0a3pGNUhMTlNUcHNYVmpVMU5jdWo1LTR6a1BHcHplZEN5RFZTbVN4ckFGaWxKdDlTYmsydU1KSVVSdnBUUjNoRGl4cjNnVmFCcUowNGdxc2dyc2dzMVZZVS1oUC1Fek0tMlNBUVhNem5OSElXNUs2REtobDkyS3R4VlRIYXZzTnVqdzdvb3Q2VllN?oc=5) · Morgan Lewis
- 2025-02-20 [Major Consolidation of U.S. Bank Regulators Begins to Take Shape - KBRA](https://news.google.com/rss/articles/CBMitwFBVV95cUxOTjVwUk9GcnEtUTNEYnFMc0Jhei1pdnR4X0ZZQUtyWndNSENsazlNZFZ4TE14MHJmZzVXbHRDTjg5OTBmeE5vTlFaazB6ZWs5elE3UndzTjJmcTNMdzRXRVJXNXNDeGYxTGFFWkQzVnNuM3hkRDJmOWtoS0JmOXRJaHdPdWhkNXIxLXpNMEQ4dEZaVmpSZ1kwaHhISGZ1ZXN3ai1JbElKVEI1eUMyYm9GbmxxTkdCeWs?oc=5) · KBRA
- 2025-01-21 [Will Trump kill the CFPB? What you need to know - Fortune](https://news.google.com/rss/articles/CBMickFVX3lxTE9Qck9iVEtqRXZlcGJLYlhxQWVrWGtEdEx4eFhmOHRVejQxMWtOUWpES3hrOHF5T1JlLVFaVElyNWk0aUJuVTZkYlY4bmpoaWVOVlRFUjh6X05yRjBlTFRPYW1Uek5DSGg0TzBDdjFJWTJPdw?oc=5) · Fortune
- 2023-05-09 [The Failure of First Republic Bank: Bank Run & FDIC Intervention - Corporate Finance Institute](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcXU0Y2pGeDgwQ3ctR0t1Zm9MSHQzQ3JicHVRclc0YS14RW56U1hSa1dlaE9fc0Z3WmdMZlVDR1pQV09EanNnRXpmU09KOGtTUkUtVFhnZUgwS3Z3cm85bFRFRUh3dW13c19kSzNVWVJpM0dDeXVsRmxpT3lBbmFfUUZTbXJYTWZkSHAxWnVnbllLeTU3aHROQWpDdw?oc=5) · Corporate Finance Institute
- 2019-01-25 [Credit unions, banks offer shutdown assistance to federal workers - WTOP News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUmdNeEFaVmpucHhDZ1RoTmVEZ0lvYi1OUXFkWFZZUFY0Y21uU3gwYy11aGdxVVhVRkdQUzBNWW5YWnpTU0FYTi0tTFBnT1hxbkNiVHlpbG1BaHZ1UC05S0Q2eG85LWxHTWxReGhBczlDdTVieWI0ZEl1UXJLMGFlM01QVWhnYjZsSjRWX1FhMVkzR0dKQXBfN0tLOHNVQU90dVB1QjFDY1g?oc=5) · WTOP News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=320 (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/0.json (key "320", 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=320
- 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