# ASBURY
Washington, DC · NCUA charter 5227 · asset band <$50M · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/asbury-5227

Who the members are: federal charter, associational, organized 1945, low-income designated, minority depository institution. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3 |
| Members | 1 (-99.0% YoY) |
| Full-time staff | 0 |
| Net worth | $3 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | 0.00% (p19 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | losing money, delinquency 2x band, delinquency rising |  |
| 2017-06 | 4 | charge-offs p90, assets shrinking, loan book shrinking | delinquency 2x band, delinquency rising |
| 2017-09 | 4 | delinquency 2x band, delinquency rising | losing money, charge-offs p90 |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | margin squeeze, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-06 | 4 | losing money, members leaving | assets shrinking, charge-offs p90 |
| 2018-09 | 1 |  | margin squeeze, losing money, members leaving |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | losing money | delinquency 2x band |
| 2019-06 | 2 | net worth falling | loan book shrinking |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 1 |  | losing money |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | loan book shrinking | assets shrinking |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | margin squeeze, assets shrinking, members leaving |  |
| 2021-06 | 3 | losing money | assets shrinking, members leaving |
| 2021-09 | 6 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2021-12 | 4 | members leaving | net worth falling, delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | margin squeeze, members leaving |
| 2022-06 | 4 | net worth falling, members leaving |  |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 2 |  | loan book shrinking |
| 2023-03 | 2 | loan book shrinking | losing money |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | losing money |  |
| 2023-12 | 2 |  | losing money |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 4 | margin squeeze |  |
| 2024-12 | 3 |  | loan book shrinking |

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

- 2026-04-28 [Asbury school purchases former Dupaco building, plans renovations | Tri-state News - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSlJYcW03eF9mVjgzOFdyalJPb3drdmpGV2ZWMnhBeW9WZjk4UUNoLTFQbVIwR0Y3ZmRUMjVqTGxpMnpzUjFPSjNFQXpLQWN4Rno5S0hVeDJmWUx3UUdqWEM3Q2dUQ1RHYmNvRUwyWkQ4dElYMlAtLUdFOWUxYkhvUVFMc3R0QTNwUm9pSVFudkZzQkxqajhjbE8zdXk?oc=5) · TelegraphHerald.com
- 2025-11-05 [Banking | Finance 2025: SHOCKLEY, CHRISTOPHER M. ‘CHRIS’ - Virginia Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxNMXZZS1RfbXR3cEJNb2hhTVhibG5ZVFVpQUhNNk5xMWMtYnI0RjV2LVZkeVdNaGQxVFJYdmtjajVIUlhDb3d2OGpqNFhqdGRvYnBqektOeUFBMUpWVGxTUXJoV19uOWJJaUthckFYQnpSTzYwMVFoeEhfeURGRS1YQnFuMWJsQQ?oc=5) · Virginia Business
- 2026-04-13 [Jimmy Eat World add dates with The Wonder Years & Girls Against Boys to 'Bleed American' 25th Anniversary Tour - BrooklynVegan](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNS1VDaUFRcjBZVUxOejBwNjhXUXBKM3hzei05MThkSzNOQUtZZ3FBWEt0R3lLTG16S1Q3cE9CYmV5cm1DbXRxY0JMS25ycXV2T3hyLVVzLWZEZ3BLMU1FaFhWRE5VaExJWTBMTkR0N2IxNXBFQ19iNXpoM0N3bWFUTkpjTVVBckROYzY0NU9pQk5vYjh2Tm1sdFpUUzJsTmZfS3J6Y2x5SDI5MkZHZFNaRnhBcGh3X2Nyb0ozTXFsbUlzNXl5bDFwaWp4MHIzVV9pcHZ3?oc=5) · BrooklynVegan
- 2026-04-15 [Jimmy Eat World Expands 'Bleed American' 25th Anniversary Tour With New East Coast Dates - That Eric Alper](https://news.google.com/rss/articles/CBMixwFBVV95cUxNd2t2YnUyRk9zTldEVVJlS1BmRDZNUUhiUmFNR1dMX0xfb3RiQVF5TXV6TkNXTmt1anotbmZ5R01xVU1fbGhXNHBVS0U2LXdmSTlRQnlmZ3pXVS1zTy1od1pZSFRMczVjSHFGaGt1ZGFxaUVGdGJCRk9vYXZnZHlOeFFmWEpJSEpxaFdtNGZ6R0w0dmVUcG85OG5hc2c3X0gyMzNtbWpFZlc5LUZkWnhPeEpFc0Y1VlozR3BxVHM4X1ptLXlZOUgw?oc=5) · That Eric Alper
- 2025-01-28 [ABA chair sees room for change under Trump administration - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNnBUV0VkME55bnk1Y3QydDNOa3pZNFpleFBVaFVPMHNjMFRybzQwTnFzaUR1V3A5QUJUTnY3QVZmdUs5NmRQYVJsdVlJOUctOEN5ZzdBVXd5QVN6eHZFTXlzRzNkcmtjVk1QRnM3OXRhTmk4Q2hEc1czN05IOG9TMkhvUV9vRGZmbXN5WHZmdm4tbVdHQnc?oc=5) · American Banker
- 2023-06-15 [Atlantic Union Bank laying off 4% of staff as revenue growth slows - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSnJkNEZOZGZwc1dyOVFVOEZRbGNLWWVLMUFROC0tUGl3OHgtQnNieHJINFIyTU5GNGx1eTdlcm5WWGt6V3NKenNodnhWSm9QVlcwZ1FoTm1yRmptU05HSUM2alVPUXNFSzNxVm5TM0kxajZRWjVBNG9xVUMzWlhoR3EzU1pqNFYtMjN5X2NlMGtzTDN5b0s3cjZB?oc=5) · The Business Journals
- 2021-06-21 [Erasure’s 2022 tour brings them to Asbury and Atlantic City - WXPN](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZnR3V2I2cHVhM1BMdG1mZG0wb0gtVEw2MS0tUXBFTUpPYW1zWGlBbE5rMm82YVMzcUZhSnR5b3FNT1RmaFUwWm82bG5wNU5qSDZUZU5DT0h0dk9FajNMV201VlI4ZlRJc3dQeTBQSWY0WmhvbG9UaHNfYWFfME9TVQ?oc=5) · WXPN
- 2024-10-21 [Atlantic Union Bank to buy Sandy Spring in $1.6B deal - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTkpsbDE1N2JjYW9aVHg4dGhHeEVwbXVkQlRWZmlOUllTNVB2b2s2Mi1tZDhvMFEtU19xTVpiQXBSYUdnWHh2ZjRkVnRZbGxDN2FNazNyb0FTX1BJRjhZNFAteTFxTTh3eW52ZVZGMTh1V2lkWjVRcGtiQjVqcmxfUnBaWHUya0FUeVpzYy1ETFI1VXlNLUp5a29PZ3ljT3VPV0NZd3hR?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5227 (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/43.json (key "5227", 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=5227
- 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