# SIGNAL FINANCIAL
Kensington, MD · NCUA charter 5571 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/signal-financial-5571

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 18,277 members of 1,008,675 potential (1.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 31.

**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 | $369.1M |
| Members | 18,277 (-16.7% YoY) |
| Full-time staff | 79 |
| Net worth | $34.8M |
| Net worth ratio | 9.4% (p21 of band) |
| ROA (annualized) | -0.12% (p5 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.26% (p37 of band) |
| Loans / shares | 86% (p80 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p42 of band) |
| Operating expense / assets | 4.57% (p85 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p26 of band) |
| Vehicle delinquency | 0.43% (p39 of band) |
| Vehicle NCO | 0.29% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 234% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 29% |
| Average share balance | $7,971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.5M |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $49,712 |
| Loans granted, annualized | $55.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.5M outstanding purchased (24.5% of net worth), $11.3M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 4 | repo signal |  |
| 2016-09 | 2 |  | losing money, repo signal |
| 2016-12 | 2 | repo signal | delinquency 2x band |
| 2017-03 | 4 | losing money, members leaving |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 4 |  | repo signal |
| 2017-12 | 3 | loans>95% of shares | losing money, members leaving |
| 2018-03 | 3 | thin capital | loans>95% of shares |
| 2018-06 | 2 | repo signal | net worth falling, thin capital |
| 2018-09 | 3 | members leaving, loans>95% of shares | repo signal |
| 2018-12 | 2 |  | leaning on borrowings |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 2 | net worth falling, members leaving | loans>95% of shares |
| 2019-09 | 2 | delinquency 2x band, delinquency rising | net worth falling, members leaving |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze, members leaving | delinquency rising |
| 2020-06 | 7 | thin capital, delinquency 2x band, delinquency rising, loan book shrinking | members leaving |
| 2020-09 | 5 |  | delinquency rising, loan book shrinking |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 | members leaving | net worth falling, losing money |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 5 | delinquency rising, assets shrinking, loan book shrinking | members leaving |
| 2021-12 | 3 |  | delinquency rising, loan book shrinking |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | assets shrinking |
| 2022-09 | 2 | assets shrinking | thin capital |
| 2022-12 | 3 | thin capital, leaning on borrowings | assets shrinking |
| 2023-03 | 5 | losing money, charge-offs p90 |  |
| 2023-06 | 4 | assets shrinking | thin capital, leaning on borrowings |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | leaning on borrowings | losing money |
| 2024-03 | 5 | members leaving |  |
| 2024-06 | 3 |  | delinquency 2x band, members leaving |
| 2024-09 | 3 | margin squeeze, members leaving | charge-offs p90, assets shrinking |
| 2024-12 | 5 | thin capital, net worth falling, assets shrinking | margin squeeze |
| 2025-03 | 5 | losing money | members leaving |
| 2025-06 | 4 | members leaving | thin capital, net worth falling |
| 2025-09 | 3 |  | members leaving |
| 2025-12 | 2 | members leaving | assets shrinking, losing money |
| 2026-03 | 3 | losing money, assets shrinking | leaning on borrowings |

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

- 2025-08-14 [How Financial Institutions Ensure Their Data Backups Will Work in a Pinch - BizTech Magazine](https://news.google.com/rss/articles/CBMisgFBVV95cUxPS291R3p3ejVNZUdiTldYeGVMRkJnaGpBRHI3WHpFcno0cGVYVmJLMldnVElVbmlScmdXMFVMbkxBbW9Db2hhaXc4WFFRemhxZW9QdUxzTDN2bkl0cjFPbHFQeU9aajNNMklZb1h1OU42VTU5Z3B4SXFSaEppTmZYTVFfVVJLUnhoODVJU1U2TnVFSFJnQnlpdkFKS1ZlaFZoRnhkb3Bud1NEWTJHdDRBbFZR?oc=5) · BizTech Magazine
- 2026-04-22 [Global CU Takes Its Branches to the Northern Limit - CUTimes](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQ2ZrUktKdEJNbFZTNlc3WHRNU2l5c3FSNzI4cGVGdzBBdVFjZ1MyOUlzWUJ5aGoxaTZFbzRJNHF3N2w3am1ob2Fhd3dXVjlXLXZuTWx0UjJhakM2OEc5anZzQmtNLXpXeFNiUUdhbmg4MGpEaURvZXphaDQzTWpBd0JOX0drTUxGNTVTbFBwTQ?oc=5) · CUTimes
- 2021-06-01 [Community News Sneak Peek - americanbanker.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNNmc5SHByN2tKY212WW5OSVZ5MzktQk9rZm84VFZEckloeXdMYVVHZlJIR2lhVmpVdGlKdzZaLUxkaUhxak16NnNMQ09DNHNYdVFwenA4ZVVCc2Y4S082WEIyV0xGaFRVNENMSnY0d21MMXZxQ3RfVkVOUEdXc1NFeDJ1YUtHZw?oc=5) · americanbanker.com
- 2019-07-02 [Local Woman Honors Mother in First Literary Work - The Washington Informer](https://news.google.com/rss/articles/CBMijAFBVV95cUxPRE9TWkVWYVVQMVhtUnVMM3NaalNlbV9uRmkzbS0wcWtBVjFHdU94MTVmOTM2WUdmcmlLZnVSZF9BNm1JeEU4VUdJX3JyNWdQSWg0dVpzaTRsdXRQR0E5MUpmNUlaTVlKMlVvWlBwVE9CTUdUNmRTZXpSX0Y4YWdNRVRQZ2tYeE90bU9fQg?oc=5) · The Washington Informer
- 2025-07-18 [4 Credit Unions Score New Athletic Partnerships - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNzlGRkdhRF9Zd2REUHlaanFzblo5ZzduazdyWDZ1WWV4NkNYS25SRDd6emR3UDlMdjBLU1BCckxjQmNLVlhmZXA1MXFvemxFNEtHbDg2SUlBSFVZT3k5RUU3bUJHUDZucG9WcG9SZjhVOFFzblZ1bWFLeGdfRnlZR0RFblFvcnU5eFRN?oc=5) · CUTimes
- 2018-10-19 [One step closer to the top: Executives on the move | Credit Union Journal - americanbanker.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSEVfSktOODJfQmtwRlc1Y3ZjN1BxcWtRanFWVHVtc1pTdlc4dEYwZThtYm9sTk5ZMGhyMmNCc1o1bEhlaUdlYW1tVXFXUlV3M0ViaDVpVkpNYV9BUTdPSUhMNURrTkxQZjFfSDVfSHpwSHE4TDM1ZXJjWFlBdzFiM040THU0aW5UeE9yNTBuYjVsclhhT2ZYZUxKNmN1dEU?oc=5) · americanbanker.com
- 2012-10-16 [Jonathan Marshall and Steve Settle sentenced for roofing scam - WJLA](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNHhOTE5uNjBxeFQwSDRNV2hReWhhc21ib3o2bnRwOHdSa3pSRjNIREg3eWVKUUtYdklPbV9UdlJzald4NmNmY0pIUktiUU9EbzV4ZEQzRW1vMDdsTFVKaDNlc0NLd2VlTTFzRFplaUlPRnFHZy1zRGt1QTRGWkZXOF9wekl1b0stWkhfWVFvZW1raUZqQnFOXzl2QWU?oc=5) · WJLA
- 2019-11-05 [Marvin W. Turner, Esq., Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOSUttV3JqbUU3djFzVDM3ejkzWmUzVk5qdlJfRE1hNVJNcFduZDE1SEU3TWRJc01oaW5QeW9lQXB6V3BxNkhCVWUwN05GQ2FSNVZ6dDFFQzBaX1FoX0pOQ3JoblhvdlhfS1gzYTB0Rl94MkRadmxjTGdJUXRVdkY4ZnE1LVRKellCbFBaWlltR0lqNmszYmM0c3RtLWUzWW5zYWhsSVJWUWVVbUcyazZpZ0pMY1g5RFRyX0JlTWRUeDJpN2FOMklsbUNaVV9nVVdHQmhoVl8wQ0VZMVhFWmhZQklob1ROS0RHYWo3U25yc1g5a0E?oc=5) · 24-7 Press Release Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5571 (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/3.json (key "5571", 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=5571
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide