# PATENT AND TRADEMARK OFFICE
ALEXANDRIA, VA · NCUA charter 4936 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/patent-and-trademark-office-4936

Who the members are: federal charter, government (single sponsor), organized 1942, low-income designated. 2,745 members of 7,000 potential (39.2% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 138.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.6M |
| Members | 2,745 (-3.9% YoY) |
| Full-time staff | 9 |
| Net worth | $2.8M |
| Net worth ratio | 7.0% (p2 of band) |
| ROA (annualized) | 0.59% (p51 of band) |
| Total delinquency | 2.69% (p84 of band) |
| Net charge-offs (annualized) | 2.12% (p93 of band) |
| Loans / shares | 50% (p39 of band) |
| Cash / assets | 22.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p36 of band) |
| Operating expense / assets | 3.37% (p43 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 226% (p99 of band) |
| Vehicle delinquency | 3.66% (p91 of band) |
| Vehicle NCO | 2.77% (p95 of band) |
| Repossessed % of vehicle book | 0.73% (p98 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 1% |
| Average share balance | $9,941 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 138% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $5,028 |
| Loans granted, annualized | $2.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (121.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 7 | losing money, delinquency rising, members leaving |  |
| 2017-06 | 4 |  | net worth falling, losing money, delinquency rising |
| 2017-09 | 4 | delinquency rising | members leaving |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | losing money, members leaving |  |
| 2018-06 | 6 | auto monoline | losing money |
| 2018-09 | 4 |  | delinquency rising, members leaving |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | capital below 7% |
| 2019-09 | 4 | assets shrinking, members leaving |  |
| 2019-12 | 3 |  | assets shrinking |
| 2020-03 | 4 | margin squeeze, assets shrinking | members leaving |
| 2020-06 | 8 | capital below 7%, losing money, delinquency 2x band, delinquency rising | assets shrinking |
| 2020-09 | 10 | net worth falling, loan book shrinking |  |
| 2020-12 | 9 |  | delinquency rising |
| 2021-03 | 9 | members leaving | auto monoline |
| 2021-06 | 8 |  | net worth falling |
| 2021-09 | 6 |  | margin squeeze, loan book shrinking |
| 2021-12 | 7 | assets shrinking |  |
| 2022-03 | 9 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 7 |  | assets shrinking, net worth falling |
| 2022-09 | 6 |  | losing money |
| 2022-12 | 6 |  |  |
| 2023-03 | 7 | losing money, delinquency rising | members leaving |
| 2023-06 | 9 | assets shrinking, loan book shrinking |  |
| 2023-09 | 9 | charge-offs p90 | delinquency rising |
| 2023-12 | 10 | net worth falling |  |
| 2024-03 | 7 |  | losing money, charge-offs p90, net worth falling |
| 2024-06 | 5 |  | capital below 7% |
| 2024-09 | 7 | capital below 7% |  |
| 2024-12 | 8 | net worth falling, losing money | loan book shrinking |
| 2025-03 | 6 | auto monoline | assets shrinking, net worth falling, losing money |
| 2025-06 | 3 |  | delinquency 2x band, capital below 7% |
| 2025-09 | 4 | delinquency 2x band |  |
| 2025-12 | 5 | delinquency rising, loan book shrinking | auto monoline |
| 2026-03 | 10 | capital below 7%, charge-offs p90, repo signal, members leaving |  |

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

- 2026-07-30 [Empowering the Next Generation - blackengineer.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9JR3Jhb0xGNXFpWk5HbzRXMzNOSTctYzJqNWFQbVI2TW9Fc1M4emdLZmVPTHVPaXBsa0VHQXI2SXhrVkpNc1VlWUZDTC1QSTAta0loWmt5dWhGUUJ5eHhMY1Y2T0pDU0NtNW1jd2dlbGxEclJZQzRJ0gGCAUFVX3lxTE1KZm5qSVZsQUp6TmNSaG1qUGtYRjBLT19Eb2M0d1dyNnNCZ0s0TmhnOFhBSnV5Wi11N1ZPTHBkSUd5U29zQk9pQXVVcTUxM2ZvS2E1OVFaaGVPQXU0N0d6QjlZMG4ySGEzYjItZnlzMHhXNHZzdC1QNjNuYUtqVkFmaXc?oc=5) · blackengineer.com
- 2026-08-06 [What does the Patent and Trademark Office (USPTO) do? - USAFacts](https://news.google.com/rss/articles/CBMitgFBVV95cUxOOGI2RkpLT2VyZURTUmlfNnV1S29fdy1OdzJtMlJ3b1JKOTVJNHZNRGg5RWRCTG0tTkJtZWRqZFRncHg2YjA3cmZUMTljSHhMNzltQTQtcGNZUFZXMVVJcm9ZenBTb3RwYXUxWjh0SnIzN1BMelVqZGJRVnVISE1qd19LcVZDNTRjVWd1dTZ2aDR5RHkxeXNULUg0TVZIcmdsVjVLNmRLOEMxOWMtTWRsQVg2MGFRZw?oc=5) · USAFacts
- 2026-07-21 [Recent Developments in Trademark Law - Baker Donelson](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ZT2tFNmlvek4ydDRlYjgtUldfNDRDODdJbjVybHVwVlgyTUNRNXQzODJReGJYc3pVWEFzQmcza0ZINkV0Yl91LWl3UHEwSnE0UnFKTDk0MGl2UnhwMENxeUR5VjRINkZCdjdlSU9oUDM3MUN2?oc=5) · Baker Donelson
- 2026-01-18 [Pitbull and Lil Jon announce 2026 North American tour - fox5sandiego.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQR2tFbzZzNjRrT0thOGpjX0Jnb1VZYjRBX295MmpVY0d0SDJmODdEZTVSY0dmVFJHTUc0Q2pUSm1HckQ0YmJWMmFidUdYalRodVY3d2hodUZ2eDY4Vzd2VUdFQnR5R3I4N1JDVHp2RzFOTFI5ekE0dGVybWd1NGZBYm5DTDlVNV95WGFJaXNRZGQ3NnfSAZgBQVVfeXFMT0FEQmpxaFZfWktveUd1WVBzajdueDUwN2hOR0NSZGZYTXdUaUhJLUNuU3psbGNtanlmU1ZnYzJNWnVDOUx3Z2RyZF8xLW0yaEhlVFZ1ZTExblB4VE43RnkwQ3ZLVkRVS012YmczLXp5Zm9MSWZpZGFHSGJFakxXb19qUlhzaUhYeS00LTREcFY4NFR6dzZDRUU?oc=5) · fox5sandiego.com
- 2026-01-15 [Pitbull Announces ‘I’m Back Tour’ 2026 With Special Guest Lil Jon - That Eric Alper](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNHNoZEQyZWtYV2VSRDltdTRaYlU1N1Y2QWdXMGRSSnZpYUExazNnTS1mM2x1bHhObWNXMEFfZVhhYll6amRGVVFBZDVWTTBjaVhOb1BuNHZoZmdoR1FDR3h3dTJKRV9ESmxoMDltM2VSZEM2UTJVNW15NWNqeTdycWpzRWJwZW5rSXc1ajVrNGo5QnJJUmlQMVprU3NSb1g5VFNDZ0Vmaw?oc=5) · That Eric Alper
- 2024-11-05 [Welcome Leadership Alexandria Class of 2025! - thezebra.org](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVHgzY0F4cl9IdDZ0WjkzWUtsYU93eUMzaXVYV1hhUldNYkxjN1d6c1ZUZHJRZXRsVWgzYzhfSl9FU0NZcndBU0lIQnBZczlMY1NZemFtb3NIVlgtWmdPdHRuVUt5SVl0MkhwbUpXS082ZVBibkZsUGR1NExzYkFyU2Zn?oc=5) · thezebra.org
- 2022-09-26 [Virginia%26%238217%3Bs+Go+To+Lawyers+for+Intellectual+Property+Law - Virginia Lawyers Weekly](https://news.google.com/rss/articles/CBMimAFBVV95cUxOV3dvSEIta29KYnMtSnZnMlpvUXNfZGYyc2hTZ0tpWFBMeEdXQmRxdDVIOVlUNmwyM2xuVnBoNUxGZGZnWjVOdm00ZU84RG1PX3JPUU8wUTBYQVNWeEp4aElPZjQwa0ZEamFqS3VZb2RoQ254ZXVxQ2d1UVpYTTdKcUxhNkFMOEw1UW5SbFFVSlNDdHdhYlVtUA?oc=5) · Virginia Lawyers Weekly
- 2024-04-23 [Pitbull announces electrifying ‘Party After Dark’ Tour across the U.S - HOLA](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPd2xoLTlDc2o4TTBncW4wS3g3UHY2T3VrcVY4emZNX0pkWkhob0k5UXY0Uzl1dGtGcFBKSEtid19lZnJJS3R0U1I5elJZTGV6d3FBUEtDSVJVRFpvbV93U3lldWIzTVFZY3UwWHlNQ3FXazZWeFJReWE5THlJd1VkQmgzTjlvTmhiNE1EODFxNDZ4dlh6VVlXRElaS3ExTTRIYTJnc3NOSUxVUQ?oc=5) · HOLA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4936 (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/8.json (key "4936", 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=4936
- 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