# GOVERNMENT PRINTING OFFICE
Washington, DC · NCUA charter 538 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/government-printing-office-538

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated, minority depository institution. 3,987 members of 11,118 potential (35.9% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $29.9M |
| Members | 3,987 (-0.2% YoY) |
| Full-time staff | 7 |
| Net worth | $2.5M |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | -0.21% (p20 of band) |
| Total delinquency | 0.67% (p50 of band) |
| Net charge-offs (annualized) | 0.91% (p84 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 27.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 5.37% (p84 of band) |
| Vehicles % of loans | 24% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p88 of band) |
| Vehicle delinquency | 0.01% (p32 of band) |
| Vehicle NCO | 2.45% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 50% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 11% |
| Average share balance | $4,593 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.6M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $9,317 |
| Loans granted, annualized | $1.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.6M outstanding purchased (141.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2019-01-01 [Government Printing Office FCU Names New CEO - cutoday.info](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQN3V4TTlHNnQ5bHgxTXdBV1UweTNkSlFtVE03ajZicjU3aXhRVEdvQmZ0akU4OFY3a1RHbjkzTzdIX0ZFN25xeERpc2RnS1o4YnhrVU9RdjhEME1iVklCTEtrYlZOTFZkbmtrVC1uUnFZOTZXZVhvUlAtU3ZPZDVERVl1blVHTWRf?oc=5) · cutoday.info
- 2025-11-12 [How many people work for the federal government? - USAFacts](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRUV5bDliTVdMc2dLeWdSS00wcjBKTnV6YzhfY1ZiYXBydVRWOHdUYk9kUjRJTmRuWTNtNzFFV1hJcGg1RTZra0M5X1pkZVdUX0R5Nm1KeUtES3dfZEZkamU3cnEzdV9NeW0xaEYwUGpzcVFSajFMT193MkJ0UWtzVVVla1U?oc=5) · USAFacts
- 2026-01-09 [220,000 Fewer Workers: How Trump’s Cuts Affected Every Federal Agency - The New York Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSW55U2hlN0taTkFGRldzdFlWNWhsUENha2VkSUF0TDY4bmJiY0E0R3BIanFQOVVCY3RNSjUxcHNTYUdpZlRMLTktRVpBWnNra2poQlpmdkxsdEFaNmhKYldnekJWNUcxMlpiQkphVWNONFpabHJUaDFQWXhPdEVhM255ZkR3dDU5UmFNN09n?oc=5) · The New York Times
- 2015-02-27 [Johnson, Grassley Seek Information from 72 Offices of the Inspector General on Open and Unimplemented Recommendations, Agency Attempts to Interfere with Independence - ronjohnson.senate.gov](https://news.google.com/rss/articles/CBMivAJBVV95cUxPUGYxU3FMa3RzT2tQZEp6TXdyYVhZVHppdG9nRENLOGV0YVk5MGNWT0M3VUJINlBUQnJ5Smpkd0VkeDlpYkhhVEE1MTRocmtvTVhxaEVYaEdrSEpfSXFoc0U1TTNybFhzMnhJWVI2RlBBWjJ0SWt2THVhVnpCQWhtNDdOZ25OT3pZS3d1ZFllVnVvZVBrTTVELXhFaEpwV2M1VmxoZ3lQOU9WMi05eGZXTjdicUxWbnRvQjFRZkE3dnlQTE1FRUVxalZwaERKUnFoeFVZRGZkS2R6dW1ZWjBaZDRZeEtpTTQ2cDRjU2UzRWJnMUpWWnZobEw2azRKeTlzWmFGRXVoQXUyOF9qU0ZXejlyTVZlVWVHS2JpT1FTamZJaW5WSC0xdVBJcW45amdqWUg5UGwzX3JqQVM5?oc=5) · ronjohnson.senate.gov
- 2025-08-11 [Representative Lauren Underwood has filed a new financial disclosure - here’s what we see - Quiver Quantitative](https://news.google.com/rss/articles/CBMiygFBVV95cUxQYXdVa0ZKdFREWlRpbm91aWw1Ym85d3k2VGFZWDZKYkVkbW1TLU03T2pkV0R3b2xacklqeF83OXh5STVWNWE2N0k5WTgza1hZenFKVHFsSnlobGRCV1hENndacWZ5SWNtd0dOV2ZNRG5zb3oteDlFRTJ3LUsybDhwanV6ZV9jRkhGTllMRjBLcnFqU25ZZlRKOGp1Y1JPbjN0SlN4WlUtam9BUFNoRlNFUm5iQk8xR01HN1QyWDREVlVxTlZEUkdYNkt3?oc=5) · Quiver Quantitative
- 2017-07-12 [Longtime Vantage CU CEO Hoosman, a 'titan' of credit unions, dead at 60 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxPTF9wSVU5R3FTeXNINmpLN0dMUkwxMnUyZ2t1YThuR3R5RE91RjJWcGx5UldhZlFHRzN1cWxFRDlyZ3Fvclg2RnRpR0ZxNjd6ZUlmT3BiTmVpZTI0TlNFVzh1ZnJ1YWowUVdDcGlvY01MS2pPQjRPY2ZfRGJSemRfcHRQZkk1Wl9oOVhxQW5ZbXBrZkJLdFo0am5iOGJBZXpLam5fbEtYdmZ6dE5XV1p1Nks4Z0UxT1E?oc=5) · American Banker
- 2019-01-15 [United States Senate FCU Names Anderson Executive Vice President/Chief Retail Officer - cutoday.info](https://news.google.com/rss/articles/CBMizAFBVV95cUxNX3JubHlLeTgwSXNIQ00xREEzelJOeWlyTlJXWHV1M1JHdzVreXJXamhMSXZ3cnR3cF80V1hNMlU2aDhwOTZSV2JIV0dmNFdydEgyNVpFUEtqcDVndTJqYnJSS0lvek9XTjgzRDRCMWRwdFpWb2hYMEZBY0VaREVjUzlpRWNqeWcxMGhxNHBHdUV6YjZhcHJsRFI4M1YzZkJXX09PSWthU3BpNWp6RVFaYmtia2Zyb2Nqcnd3Q200VVk3REo3OVpJeWNKcjM?oc=5) · cutoday.info
- 2024-06-09 [Robert Mansker Obituary (1941 - 2024) - Alexandria, VA - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVENaTXVBYnZsZFZLa0ZXYi1BTEw4YXdpQ2JjNGdXODF1OUdlXzA5VGd5TkhCY1RtaUx6anEwYWtoa3FjTEFpVFdiYXRLb1AtS1FSRjVha05TQ2Y0M2QwbkhSRHF4aVg4cHdyLXE4UnJpalpDSUxtWDlNdEsxNkQwZlZyYUJrVWRhbWhSc3J1UEtQNkg2SWRz?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=538 (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/26.json (key "538", 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=538
- 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