# BELVOIR
WOODBRIDGE, VA · NCUA charter 5356 · asset band $200-500M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/belvoir-5356

Who the members are: federal charter, multiple common bond, organized 1946, low-income designated. 27,458 members of 60,000 potential (45.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $333.3M |
| Members | 27,458 (– YoY) |
| Full-time staff | 81 |
| Net worth | $26.9M |
| Net worth ratio | 8.1% (p9 of band) |
| ROA (annualized) | -0.12% (p6 of band) |
| Total delinquency | 0.77% (p66 of band) |
| Net charge-offs (annualized) | 0.29% (p41 of band) |
| Loans / shares | 77% (p57 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p59 of band) |
| Operating expense / assets | 4.59% (p88 of band) |
| Vehicles % of loans | 40% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 117% (p63 of band) |
| Vehicle delinquency | 0.76% (p74 of band) |
| Vehicle NCO | 0.47% (p51 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 18% |
| Average share balance | $5,279 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $15,987 |
| Loans granted, annualized | $79.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |

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

- 2016-03-31 [PenFed Credit Union Announces Merger with Belvoir Federal Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxQUHJsMjVZT3ozLVd6OUhCSzJkRnhKa0d3dkpRaWltRzJSQ2VtaEs4dU5UVmJzWm1CUXlmdkNKUnMweVZBYndFWFVOb2U0TERIdnZGZy1IX3hBNEh6TEo1S2ltUF9oeUJuMnNMWFRpR1FaYkZqV09kSXlnTU02dUloY3VUci0tRzFRNjZYNk5oU3JYTzBUT0R0NFNsZ0VfREpvZGZUQjJpNGtOa2ppa050RmlrY3RIdEhmRldETThLeUI0OUUy?oc=5) · PR Newswire
- 2014-10-10 [Families learn GI Bill requirements, college search tips - army.mil](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdjNLbkduUDBrNUxkaURubmJPa2NsN29VUUlrMzc3c2xLeG9Razh4UmZqenFaYlQxamhuRjdOVDMySFRpUTdPTkFXRkp2ZlNQazA0T2drVVBMRFplZnpyOXlVdXByV3Q3MW9OYjhfT0I3TW1QRmFuZ1FVMno1MGhjZDdPbjljbW9ZTzhWSEtSbXJJODB4T1HSAZsBQVVfeXFMTUZyejVQOVpmTVhuZ1hqckJVLWZsQXI0ZXpXc0VNTlRqUmplNi1abXprTzNVUmM3aWVab0xjb1RES2tIamZsNjlsbzUtazR1ekYzZngxVWRqMmUyS1hqMnQtS0dnRjdKMU9tbkpIY20yV0t1dVVLT2JMLXB0akhNZkVXTHY2NzdOamRtVno2eHg4MDlVSnRmSzZ5NUU?oc=5) · army.mil
- 2018-08-01 [A Military Credit Union Grows With ‘No Speed Limit’ - wsj.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRUNzdlNlMWF5QmpyeTZ1dFE3YjdvN212ZmN3ZFd6SGRXcW5kTmpDb0RMU2l0aXJKLVllbzBfLWl2WWpYU3FLN3ZrZG55czhLOERqdEhDSDRDc0k0am1OVGU3Vm42MHRPZGFSV1NxTFJ4bTEzUkg0U3RqaHRiZlBBMHQtMFdweEdXQkNJN1E1b3p5SFk?oc=5) · wsj.com
- 1997-06-03 [MP ARRESTED IN FORT BELVOIR BANK ROBBERY - The Washington Post](https://news.google.com/rss/articles/CBMizwFBVV95cUxQUVFaOUd0R0lVMGlKRFNSRlpUVUhMQjFhZUxvaUhWLVRHVTdXN1FyU1pvOTVteGQ1X05MSG1KUElCV2xselQ0NUNDZ0RXLTlrQUdZWDNmdGhLN3FXMnBlY2prZ1lDNG93bmxoUDlUdDNjZGpHM2tBaHJYN3RJM3dTYm9ITkhHZnR2MFRXSkp2MFE0aW43WjhBYnlkN1hlSDdrUjI2X0dPMU1DSndZWm9kZ19tbXB3RGxacjNmYmM2OEhGbFNvVlNlQUdYVUVuYXc?oc=5) · The Washington Post
- 2024-07-06 [Matthew Ritz Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9GRGJLMEI1VGtSbFdxenNYZldwRm9JcEZXdFpBTk0ycVRJYzlIdGdldVFyTHdtSUh0YUpZQlFmajlqeXN6ZXdJLU9TLThFb2xCbkxJa1VWMUZKTEIyZmc?oc=5) · The Morning Call
- 2012-05-22 [Spouses treated like celebrities at Belvoir - army.mil](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVXc0MDM3Vk5PNXFIbnRRV2N2VUtydW54R1RuZDlQVDdKQUdORUM0UjJnY1dES0JKUS1UbVk1NUJKbDFoVDBKMTNJQWtmNjdCUWN0eTVpSEg3V0JEZk1KdTViVS1iNmE4LTJRMmEtdElNTFh5QllaNVJLUFhCQ2pJaEFxQknSAYoBQVVfeXFMTzdMYlZJbnI4TjlPdl9uVlk5SzRpUVBwN0hmV0gzdGk2ZTJxcnBadGlET3A5TDcwalUyT2l5U1llMkdZcVBLMjVSM1VqcXJiYjZ4RFBMRUVBb3gwUTZncDl0S0ZQR1kxQ3pENlRsWk1tcnJnaEg1M05temlsQ1Yxa2dsQ0JPT2pNbVRR?oc=5) · army.mil
- 2018-03-09 [Kenyada Perry Obituary - Springfield, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcHBFcUYwRXhVT2FLaWVxelVTUUxLM3p0R1Nmd3lBeHdaTkxGMEROem5pSmcwaHgwcTdGaWI2azcweFJYclVwMWFRN2cwVno0aEZQMVNzdEZoUkQtQV9DWlVqUTN0a3k5LTRlV2x3NnJIUm1oVG5wcmU4QWtXdmNKU0RObEQyUQ?oc=5) · Dignity Memorial
- 2005-11-29 [Matthew Ritz Obituary (2005) - Arlington, VA - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQazFrTWhqSGx3a2pLbjFrYmN2eldHQXpfZGZrUmgtbVJLUEpKd1JWV0J1TG10NVFZTTFOQVp2cjNMbzBXQ0RMOENkblZYYXlodDk3S19HaWhBb2RnM0hhRlVoRmZsZ2Ezc1pSOWx3QUVzUzFHakZOX3lNUUdlQVNwLXlyTjVNNFVyenlTLWlPVEV1QVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5356 (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/44.json (key "5356", 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=5356
- 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