# CONSTELLATION
RESTON, VA · NCUA charter 5098 · asset band $200-500M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/constellation-5098

Who the members are: federal charter, multiple common bond, organized 1944. 7,631 members of 320,000 potential (2.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *quiet fade*. 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 | $215.8M |
| Members | 7,631 (-5.3% YoY) |
| Full-time staff | 22 |
| Net worth | $21.9M |
| Net worth ratio | 10.1% (p40 of band) |
| ROA (annualized) | -9.88% (p0 of band) |
| Total delinquency | 0.45% (p42 of band) |
| Net charge-offs (annualized) | 0.05% (p5 of band) |
| Loans / shares | 67% (p22 of band) |
| Cash / assets | 36.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | -6.70% (p0 of band) |
| Operating expense / assets | 4.41% (p82 of band) |
| Vehicles % of loans | 6% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p11 of band) |
| Vehicle delinquency | 0.00% (p1 of band) |
| Vehicle NCO | 0.37% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p23 of band) |
| Real estate % of loans | 90% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 21% |
| Average share balance | $12,294 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $30,233 |
| Loans granted, annualized | $20.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 | net worth falling | delinquency rising |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 5 | net worth falling, losing money, margin squeeze, delinquency rising |  |
| 2019-06 | 4 |  | net worth falling |

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

- 2026-07-14 [Constellation Stage & Screen to Launch Fall 2026 Classes for All Ages - BroadwayWorld](https://news.google.com/rss/articles/CBMixgFBVV95cUxQajktb1dkZzZNbUNEcXBBaV9SWUhObEo0TWF6SEFwQWthZ2paUjhNMGlESXhTS3FYc3puUFVNNk9RekI4R2RnSjdGa2VGNkpOc3EtSDd3Sl83TmtNX1RuRUFyRGxxZlRNTUlZUy1NSmpHdzNMZGc3a3JuaFdhc05adjZlU2dJVUpjdUxZb0J4ejJ3MGtnNUpyS0dPTUlBaEd3TWRoQTJkZHVyUjNXY3JWYTRZZlpER2E3WHFiU0VHYnpjQUVkMnc?oc=5) · BroadwayWorld
- 2026-03-09 [John Fogerty Extends the "Legacy Tour" With Steve Winwood for a 2026 Run - That Eric Alper](https://news.google.com/rss/articles/CBMisgFBVV95cUxQSTcxcWRCakwxWVFWYmlWTGFZbEs1Y2I2RXNENHNvcnZBeWcxMTlNRU5DQkh2b19aN3ZzQzZyVWZLNnptMnNKTU1kcERnOGVMcFFvdmRxdThOOWVRSmZCdU5OaWh0REtuWm5FQTE2ZVQyd1paemtlVTRYXzVSMDJiSV9rSzFlLUdpWmJ2Wm5VcndlVXdTNmF5WU9QUGdaT05MR212MnRrLXhyOFRQbExUTkh3?oc=5) · That Eric Alper
- 2026-03-10 [John Fogerty Delivers List of Live Legacy Tour Dates with Steve Winwood - Jambands](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUVZSZk9seEVWVGtjMVpsMjVid0pVV0ZidHZRLWg5U3M0aGFxSmpNdDZGWGwyQUFTbVhXZlhOSzZNTTU5bDFiSk4zV05jcnU0eFJaLWUyQ1hKNnlTZnBhVkpxMVJ5ZXVlVW5nR0hoSWVlejhmQVctcWdVLVF6QmpOMlNmOE9EdUVmWXZvSHZ4TXY2Y2ZXYkc5SEpVbXVZMkptbkI4?oc=5) · Jambands
- 2026-03-10 [John Fogerty Unveils 2026 U.S. Legacy Tour with Steve Winwood - TicketNews](https://news.google.com/rss/articles/CBMinAFBVV95cUxPblNQWHQ1eFBHTzA1ODd4Yl9uWTRQSWxzT2xhRWpZSUd2WUMxRi1Kb2Jpa05kZEFvRWVvRU82cDNvQWx4WnV1V21OcENDYTY4V2RwRWVqcnVqek5nUnpLV0JXR1hHMmZxbUo4amk0QjZYNmhBN0V4TlpCdTA1ZVFLcU9NS2FQeVcxVjhQc0dDdzJ6ZmJValhxMGk0Y0Q?oc=5) · TicketNews
- 2019-07-05 [Two Northern Virginia credit unions finalize merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPM0s2c0dYVkUwTm1xczVtR0VXUUN5Ty1CdGpsWVF5QmR6M3BqeC1VR3ljWW9ySHltVUZwcFVzQ0tSNV9Td3pKZzBaVkRZdFRCdnlUTkxzczAtNExpdWI3OUh6TlQ0SUlZZjV3dFBrNzQzVWt6SEVzSjIwTjNVM2RmeEQ0WnlhVmlQX2dFMmxXbkFaVG55cDRzQ3NJajlHM1dvQkpkdWpRUQ?oc=5) · The Business Journals
- 2024-12-04 [Dark Matter Charts its Own Course Under Constellation Software - Inman Real Estate News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNY0NzSDRWVGhJa09NeEhHdmU2eXRpQVBoTFY4eGVWUXZsaU5xYmpRQ1AzbUxNOHNwRzRKeFE3WE9Ec2RTTmhvMWthWFVOcWpTOWRkNGFRaWRXYVc0VF9Uak9MR1JzTG1aNktmYzBBWDExWldNeXFsTGhVeFZLTlhDM29DU0JOcnhRYUxPQ2NIOEUxSTAteTVzOFF1WE4?oc=5) · Inman Real Estate News
- 2023-02-17 [Tedeschi Trucks Band tour dates include CMAC, SPAC concerts with Ziggy Marley - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2023-09-30 [The Bowery Presents, CMAC renew partnership for 2024 - Finger Lakes Times](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQTS1jRW1ORWpmSlFSdVRHN3lLUGM4Vk0xejBBQVFOTHJCSUlhZThYOHdvRGs4MTZ2RGl6UV93cGkwX1A3NENTX3ZjQUtIS2hPVHd0dGxLRzdPZjFUWmpFMVhhQVI0SFBMVmdJekJYaXJrR0NoVHRQQ1ZhNVBzUHE4b2tPeDU3U3BPM3JQUTdXZ3FlTkdxSldvTmJDdUU4OEZCelp1cDdlZElQVG0yYVVDc051NzI2WVFUYVA0T1FYOXZuUXJnV3ZPVS13eDhWbHp5bkJscUJwRkh0LU5kUTExdWdn?oc=5) · Finger Lakes Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5098 (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/42.json (key "5098", 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=5098
- 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