# NATIONAL INSTITUTES OF HEALTH
Rockville, MD · NCUA charter 3601 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/national-institutes-of-health-3601

Who the members are: federal charter, multiple common bond, organized 1940. 40,745 members of 376,530 potential (10.8% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $825.5M |
| Members | 40,745 (-7.8% YoY) |
| Full-time staff | 130 |
| Net worth | $65.6M |
| Net worth ratio | 8.0% (p7 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.20% (p11 of band) |
| Net charge-offs (annualized) | 0.38% (p46 of band) |
| Loans / shares | 65% (p16 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p57 of band) |
| Operating expense / assets | 3.87% (p65 of band) |
| Vehicles % of loans | 7% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p17 of band) |
| Vehicle delinquency | 0.67% (p59 of band) |
| Vehicle NCO | 0.04% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 148% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 22% |
| Average share balance | $8,793 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $34.4M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $25,443 |
| Loans granted, annualized | $94.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $34.4M outstanding purchased (52.4% of net worth), $6.4M sold and retained. Sold in 2 and bought in 3 of the last 8 quarters. Shares 0.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## 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 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 | charge-offs p90 | delinquency 2x band |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 1 | thin capital |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | thin capital, net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 |  | delinquency 2x band |
| 2021-03 | 5 | delinquency 2x band, loan book shrinking | margin squeeze |
| 2021-06 | 3 |  | net worth falling, loan book shrinking |
| 2021-09 | 1 |  | delinquency rising, delinquency 2x band |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 3 | net worth falling, charge-offs p90 | delinquency rising |
| 2022-06 | 3 | losing money | net worth falling |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | net worth falling, losing money |  |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 5 | delinquency rising, members leaving |  |
| 2023-12 | 4 | assets shrinking | delinquency rising, members leaving |
| 2024-03 | 6 | net worth falling, members leaving |  |
| 2024-06 | 5 |  | losing money |
| 2024-09 | 2 |  | charge-offs p90, assets shrinking, net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2025-10-09 [Leadership Howard County Announces Leadership Premier Class of 2026 - citybiz.co](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRWNKc1JkVG5zbDlsV1gzbWRraFNZZjdmZ1RBa1QtTXBaUm0zZG41WlNMT1N5cUdCSnVLS2x0WW1GdllQTnRvZHhfTWN1WFoxSmVNanpLd1p1RHZORGpNbkNaWEUweDZUbGZ5bGFTY05lQjVENXR1S3VRcHdNZUVqa0kwMlJORnhmWkJDQVotM2JEeVVJYXI4VzhJTU0zR2hHNXYzUkhDYWNnQQ?oc=5) · citybiz.co
- 2022-05-16 [UWF alumni credit NIH-funded MARC scholars program with providing them opportunities in STEM field - University of West Florida](https://news.google.com/rss/articles/CBMivAFBVV95cUxOV1pHbmYwa3YzWWU4MjhYUkhhcDZlQnNqaEhtNUdPMGdqcHJfODZSSkI4eEk0Tng3MFVxMWVLMTJ5Z3BXWE9aalo3OVYyRDlLcjB1dWlkNkZCZWtQVkFVekZNUWhxTnl1SzRQTTZhZjZFdE8tcDl4c2RUbmxrQ2RHU1VJR21RaVdiYkpqWnBmLXU0c09MUEw0a1UtTGptUlViNmpMRWVBTWxMQ1VGdXgzYkg3YkFqR3dLUGxoXw?oc=5) · University of West Florida
- 2012-05-04 [Callis has helped grow NIH credit union’s scope, size - somdnews.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPZ2s3WS15eHIwa19aTjViMDM2ekk1N0R6aU0yTkxvaEFfZGtaYjNVQXNUWEVlblFvYkl3TW4xVEZxNkF5cm5WM1NvNEpuWmZjUXBwZS0zODZxVFRTMTlmcUhpdVNSb1N3MXBpRjNmdm9jdUdlQXlZMXRzZmJ2Mk12Vzh5Q01hVHI0UzFJTFdzVks5MWhNcGotTzJiOVB2SVRrVlR4c2VpRk8tUDJXYlE0UWRuNkZJdkM0Vk4xVW1nejhzVmpFd21UYWhXcUU5NTNrYldTTGZzdWxnTHgyeHc?oc=5) · somdnews.com
- 2024-01-31 [Cardiologist and Credit Union to receive Donald Led Duke Award at Feb. 9 Heart Ball - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVnpNUllnTWUwS2JvaUgzbEJNZ243WXZMX3VTR2xnTG50M1JUR0RmZWkyMTJIUlZOZWRKLThTd2VETnM5SVBRSDJtR2ZONGJpNGxuYkhpRWo2Vmk3N0lrRXI0YkhTQjhaRGVNcHQ0U0hCU2RoTk5CX19LbTlKN2hQNHVmWENoN3pMdmtQMFNVZDU2M1BNc1ZkRDhTcnMwLURVSEU3N0hKa0Y1bDRrMm02eVpLOXQ4d0w0YXZQQ1dB?oc=5) · Capital Region Chamber of Commerce
- 2018-10-10 [Lines of credit for medical practices - Medical Economics](https://news.google.com/rss/articles/CBMid0FVX3lxTE1qWW9TbjdRM3dXVGI1b0NWV0ZhaGRYQjkyX0s3MWdWbUtpdmM0b0lVcEdYZE1sYWJCYVZubDFNeXg2R3ZtRVFDVXp6Y2owMWZyRzlXVHhvVmVQZTR6c1NZclV4TkpJbUo1dUtSRmVORDlBbjctNm1n?oc=5) · Medical Economics
- 2020-01-07 [Tower FCU Hires Poe as VP/Director of Marketing and Business Intelligence - cutoday.info](https://news.google.com/rss/articles/CBMitgFBVV95cUxQYzJmRjRCUWN4cm1GZHZ4R21ZQmFlNXZTSC10cXhqZGxQLVZ0RDcwZjVOa3diQWtPaW15RkJUZEp6alhhaEpmNVRTR3E1VkJSeTlhRXBud1ZNdEo0dVB0UkRmemFRYklQRWduTGQyMWJFdVg4REZ6ZVg2THBjSnFPcGcxRFNJN0NZNXlydk90NlJOMlhWVXF2Y2dvMU5Xbk5FckpDU3JkVFBlVEhEeWlQRXk4M29Jdw?oc=5) · cutoday.info
- 2011-07-21 [On the move – 7/22/11: Sciumeca named sales manager - Maryland Daily Record](https://news.google.com/rss/articles/CBMijgFBVV95cUxNaTVoU2lDaEdvdjBzSFZrU1FnQlF0MkQyc296VGtNWVQ1cGVBSkpWck1DbFhkOC1jMzZULWh4NFlTak1Qc2hzNFI5TUxaNUZ4ZWtQZkw2NE04dlEyMzJlTnpPWVdSdnlMSTBYdXFOdDB1aWJ1VFVQb0wzV3hpYUVrQ0lXZ1F0VGtLamk2QTV3?oc=5) · Maryland Daily Record
- 2023-09-28 [Federal shutdown threat prompts Navy Federal and other credit unions to offer interest-free loans - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRndYN0hXcVZSQlRjc2l5aG16ekR3SDBFRHFBRm52UDJpSGxSRXhubHFMNDNyWFgzclZsc01UTkRiYnJtUWNIQWZmS0p4WmNYaExVZ25WZmhDS1pMa3NwWUk1YVZKaUxxM2ZwUkQyTi1EM3RybVdZSmpldVg5ZERjVDlESEhkd1dSbjVHR1B4RHZNWksyd1d3Wlg1MVhNQlQxeGpTX2NiZWZfUQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3601 (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/17.json (key "3601", 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=3601
- 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