# CEDAR POINT
LEXINGTON PARK, MD · NCUA charter 5234 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cedar-point-5234

Who the members are: federal charter, community charter, organized 1945. 47,768 members of 387,769 potential (12.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $902.9M |
| Members | 47,768 (5.0% YoY) |
| Full-time staff | 149 |
| Net worth | $81.9M |
| Net worth ratio | 9.1% (p21 of band) |
| ROA (annualized) | 0.75% (p59 of band) |
| Total delinquency | 0.20% (p12 of band) |
| Net charge-offs (annualized) | 0.20% (p21 of band) |
| Loans / shares | 63% (p14 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p24 of band) |
| Operating expense / assets | 2.97% (p20 of band) |
| Vehicles % of loans | 38% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 146% (p61 of band) |
| Vehicle delinquency | 0.18% (p10 of band) |
| Vehicle NCO | 0.37% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 125% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 22% |
| Average share balance | $9,398 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.2M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $33,486 |
| Loans granted, annualized | $170.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.2M outstanding purchased (6.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 4 | thin capital, delinquency 2x band, delinquency rising |  |
| 2020-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 1 |  | delinquency rising, delinquency 2x band |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | thin capital |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising, members leaving |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | 3rd-party paper>100% NW |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 1 |  | members leaving |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-08-26 [Cedar Point Federal Credit Union Helps 22 Local Families With Back-To-School Shoe Donations - The BayNet](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMGZzUktyT1N5WHF4RUJJeWZGREFyQWJhUXVUeVZyX2U1S3JHVXpXRTVXTV9TaWlxMHJpS1VjM3ZzV3dxTGlnazRQRURMdjJMU1JYTW5sOVBINXg2dm5NMVlpYUxKWk1iYXE0SGJyNWlZOW5xdFFqeXlPa0hTTGZKZzdKYVFUUUVsa0ZHcFJIeUhFN0lYTThETTVtXzhMR2VFeFAtcXZvdm5TMTdYQTJDYjRDVmQ?oc=5) · The BayNet
- 2026-02-01 [Leadership Southern Maryland selects new Emerging Leaders Program class - SoMdNews.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQYWY2WU5vbUE4ZlJyNkxQZ0ljQU9HVDItckxKc2pXdnM2di00NlZfaXR5QmhiOEpZaEZuakpPY3NNSVdkRFJUNUN2QnF6Wl9vN0wyMk9IaWNhSk1RUjQwWkJpYUxJTjlyd1h0WW5CMjNUU3JVdFBka2pHX2JaNFZqZER3VlFOZXFneV9LOGlESUNwQUVzdFZicGhuajlFOXBSUjZaaWtwX09TdklQQmJxSks2ckNVLWxGdzFvUHBVQUdBcUQxWXpCOHJIZlZwZldXa0JINmJzY0w5MmNaMkJzVjdUYVNMdjQyeW4tTw?oc=5) · SoMdNews.com
- 2026-01-28 [Leadership Southern Maryland Announces Emerging Leaders Program Class Of 2026 - The BayNet](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQ3BXRHVEUjR5eUhSUVhkZVp4Y1RMeExNNzVjbGV4bWlEWEFKdkUzSGQ3alY2WWdDSjBRcDRDbW04ejJKWklXSGU1b1FuU1hfMmN2aTZURFI4TGExRVZfdVVib09DSjFDMGpacGJVQjI2WmszbW1kTDN1S0xRZmRoUWM0QzVWdk9LVXZJX2xPSkplVWhCUzRqTUtoODRSOVVZcEE?oc=5) · The BayNet
- 2023-03-03 [Lexington Park man gets 10 years for attempted theft - - The Southern Maryland Chronicle](https://news.google.com/rss/articles/CBMipAFBVV95cUxNX0NhYmYyTU5Gd2xaYUIxQ3BaTldnempBWmM5VHY0VWJRNmVGX0hjd0RoOHJ6RjNnZldmNllzR0puZG5tbUZJZHVyQ2hqcjlOOGtmdnphUTRaZEZhOWlhcDZtcEQwVlNOQ2ZUcHp4REVZVUxmbmNUaWQ3SWdKSW1GT1pBel9ZTVVxNHJJa292ckw1elVIVXNkb3VXUXV5X3BiX0VnRw?oc=5) · - The Southern Maryland Chronicle
- 2025-09-04 [2025 CU Times Luminaries Finalists: Excellence in Marketing - CUTimes](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZnhwU0V1XzhrbXJMX3F1RTVjWjJJYkZCWlN0ekpFcl9HbDd5SHZCWDkzRWZTUjZ0WVRXRURvY1QzYzZqaUZxS3ZwQUZQLXItX3M5XzZFSEt3YVVwZ0lNbFBiWGlXYndEOEE3SmFWeFJ4WjhEbWowVUtyay01cVJUeTJxSThyeTVDUE1rN205b1hXM3dqUnI2Xy1R?oc=5) · CUTimes
- 2024-10-25 [Oscm(Sw) Robert Alfred Clements, Usn, (Ret.) Obituary Oct 25, 2024 - Sauls Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE1QN3JlTEdGdVZxT1kwTUU4YzFvR2dWdDVieHlPdmltV2RST2x1WkJJR2JlcC1zQmtVQUdMMmVsNHVZeVYxOUFFR1hxV2FwVGNWaVRHT05fUEZXbnEyV29fWmphd01ITW9VWVhYTzhnLU5IaDg?oc=5) · Sauls Funeral Home
- 2022-01-27 [Cedar Point Federal Credit Union Opens In Waldorf - The BayNet](https://news.google.com/rss/articles/CBMifEFVX3lxTE84XzV4Nms0NjdfaFBaUjlXVk1zNHlpMUlMbDg2UG03bE9iVmc2dTRsM1BMQzBra3gwWDFoMXAxWHNmLWpZcmdlaDRtaEpRN3F4SC1lblQyckNaU2xxaWVYQnljNTdkMzdXZzNOMXd4ckNsVkZ3Q2lWajhZMXQ?oc=5) · The BayNet
- 2025-12-18 [New Mural Brings Color And Community Spirit To Baggett Park In Mechanicsville - The BayNet](https://news.google.com/rss/articles/CBMiogFBVV95cUxQa0tJNDE3bjNDNjBPRXdNR25RMVRZc3Z3eFNzQmxOQWt5YjE2MWM2b0F3SFNmV3FCV2pkU19OWV9DTG5tNG5lck9tRWgwbENkSXVvUGlHUnBhS2VaVzhBQTlMUXZ1REdIV2E4UHd5M0RxTVR3d3ZWaTVJN3N4aVNmc21DalZ4YVNlSkR5Yzc5OW40OWVIOEktc1B1RUpvSWxiUEE?oc=5) · The BayNet

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5234 (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/50.json (key "5234", 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=5234
- 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