# BANK FUND STAFF
WASHINGTON, DC · NCUA charter 5582 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bank-fund-staff-5582

Who the members are: federal charter, service (single sponsor), organized 1947. 104,247 members of 165,600 potential (63.0% of the field); checking penetration 87% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.06B |
| Members | 104,247 (2.0% YoY) |
| Full-time staff | 350 |
| Net worth | $943.5M |
| Net worth ratio | 13.4% (p86 of band) |
| ROA (annualized) | 0.95% (p71 of band) |
| Total delinquency | 0.24% (p11 of band) |
| Net charge-offs (annualized) | 0.08% (p5 of band) |
| Loans / shares | 62% (p9 of band) |
| Cash / assets | 3.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p8 of band) |
| Operating expense / assets | 1.70% (p4 of band) |
| Vehicles % of loans | 3% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p11 of band) |
| Vehicle delinquency | 0.20% (p12 of band) |
| Vehicle NCO | 0.17% (p3 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 92% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 31% |
| Average share balance | $28,752 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $98.4M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $71,367 |
| Loans granted, annualized | $695.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $98.4M outstanding purchased (10.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-07-15 [Working America Inks Office Lease Near White House - CommercialSearch](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUWdoRlo3Tmd4MTU3WnYtQ0pfeTRsUHBtVldVSzR0N3g4SnFZc1VkU0w5NEtyOU9nT0EtNmVvOGtUZ2ZkRnltX0hpVWdaQklZMl9odEVDMk0wUkIwdnFpSjY5am83TXduOURXWVJ4QU9MNGIzMlp5VjZkakZpeHh1aXNQUktld2x4MU90a216Qjg5QkhPUkpHVg?oc=5) · CommercialSearch
- 2022-01-18 [Bank-Fund Staff Federal Credit Union Review: Easy, Affordable Banking Options for All Ages - GOBankingRates](https://news.google.com/rss/articles/CBMilwFBVV95cUxNT1d0aFdFV0VlRWNzVzRYWFFiVE53TW1YWHFCT3JLUGtxcTZrczhHVWxMSk16WmJZMnZ6Q2o4TS0yRjFFX29vOFV2MTE2YjNwYnJHQVpnODVpQmNnZDJudnB5NkZmZm5nV2lkV3Z2V1pFSjhTc0ZkUXNmQnVDT2RLeFBQdmtiTWYtb2xpSXhNTkhfTWJydldj?oc=5) · GOBankingRates
- 2026-01-28 [Klaus Boese Obituary (2026) - Washington, DC - Carewell Cremations - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBxbW1zU1pWNmdGRDg2Zm9tZVlnWHo3aTdTTnRuVXBsTkpsNUlibGpFNVZGUlBFcV83RkpyLU1JY0ZEaGVXSEpHVVJ0amdRM3B5bDNHX2dzZy01T2NrYzhGLXFzUHJIWjB0Wnl4Ylhic3BkeVZocTRZbi04Q3Bua3M?oc=5) · legacy.com
- 2020-01-15 [NSF Charge Made Multiple Times, Lawsuit Claims - Top Class Actions](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaEpRWm1OR1JTUURicDh1NV9zX1hiRER0N083YnI4dGp4ODdiNWp1ekwwTkdFRWFZdDVIQTNJM3JKanhwR1FMbk1rR2pRVy1NUDRMQlJKRkg1VGtERnh4NUFaNmE2TWx3VU5IeUlPT0J3NHNJV2FUZFFsZHU3aGlHV0ZNclBpSE5sZ0I1c0FRanFCN0lRMTA2d1MzbVkxdEVaYXItWXYyWHI?oc=5) · Top Class Actions
- 2025-09-13 [Lisa Cook's bank documents appear to contradict Trump administration's mortgage fraud allegations - NBC News](https://news.google.com/rss/articles/CBMizAFBVV95cUxNODdZSHhXaTJXWE0wMEpNZFhNMTZMZEdMcTA3QjE1c2FXaUNhdkRjS0xCM2hNZjRRdGphMUdMUy1XRjZTN05UeEZ3UDdwdVFuTDF4UDlTOElGR3h3WkFPVlJ6cWhyX0hYakNKZzBBbWpvM2tLVTcwakpPbWN6TFBVR1BFUXczbU9QSmIydjlNZDhnU3l0dDdHTVF2LUo4Z0M3c0h6U0FpV24takNTSm9KTG5ocWdzZkR4RmZtR1VITXZRSnZXREs2Qk93VUg?oc=5) · NBC News
- 2023-02-14 [Don’t lose your credit card. A new one could take months. - The Washington Post](https://news.google.com/rss/articles/CBMiekFVX3lxTE1PdThmVUlPZFFHdkRGdFUtU2VKdDB1Rlp0ZklyUi1mckJ2OUtWczZRNTNrOGt0cnVQdE9rQ0hEWXpqZFctQTVlZVlTUml3WTNnQUNHU1FvcWdQRFkxTzQyY2NTc284elQ2MW5Ka2pocW9sSEppY3BJdjNn?oc=5) · The Washington Post
- 2025-09-13 [Fed governor Lisa Cook declared key property as ‘vacation home’, files show - The Guardian](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMDFKR3FDenc1cGZkQzhNbEVpMXdHQlpRMlNnS195V1pYLW00MWZWT2d2eDVZOURTdnZVRTFHbm1EWlFHYV92V1l3V1VRcXh4WmlCXzZFc0tXWUtUWC1PWDZYSTI5T1RWcDFUTm9LQlFhN1ZOaWF6dFVWdjNGTDAzNg?oc=5) · The Guardian
- 2025-08-20 [Trump administration lodges allegations of mortgage fraud against Federal Reserve's Lisa Cook - Detroit Free Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPRk1HZjR6eG5yNlVaSElYOVJfWVc0a0x6b0pCakEtZ3BnV1BVMFpHc003YnBsUlpKX3BOSzhNUjRkQzNGV2ljQWY0bklxQ29WQ1NWUkh2all1YWlJMDNrVjEtM0pVcDJGWnFPZVRsZHFnNzUyazVLYlp6RlhqdXpHLTRDSFRhQnZpa24yMDdDUG5pbV9GWF94YkQxc2Nod0hDRHJYXy10U0hqVnVzZFZwVDV4UkFvbGRCQndV?oc=5) · Detroit Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5582 (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/14.json (key "5582", 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=5582
- 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