# ROANOKE VALLEY COMMUNITY
ROANOKE, VA · NCUA charter 5604 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/roanoke-valley-community-5604

Who the members are: federal charter, community charter, organized 1947, low-income designated. 9,109 members of 250,000 potential (3.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. 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 | $107.1M |
| Members | 9,109 (-1.6% YoY) |
| Full-time staff | 20 |
| Net worth | $17.1M |
| Net worth ratio | 16.0% (p86 of band) |
| ROA (annualized) | 1.55% (p88 of band) |
| Total delinquency | 0.25% (p20 of band) |
| Net charge-offs (annualized) | 0.11% (p24 of band) |
| Loans / shares | 86% (p83 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.26% (p82 of band) |
| Operating expense / assets | 3.59% (p48 of band) |
| Vehicles % of loans | 33% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.20% (p21 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.10% (p79 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 1% |
| Average share balance | $5,080 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,077 |
| Loans granted, annualized | $16.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | repo signal |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | repo signal |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | repo signal, members leaving |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 4 | delinquency 2x band, loan book shrinking | repo signal |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 2 |  | members leaving, delinquency 2x band, net worth falling |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 2 |  | loan book shrinking |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | leaning on borrowings |  |
| 2024-12 | 1 | delinquency rising | leaning on borrowings |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | members leaving |  |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 0 |  | delinquency rising, members leaving, assets shrinking |
| 2026-03 | 0 |  |  |

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

- 2024-01-16 [Shifting the paradigm of community health - Roanoke College](https://news.google.com/rss/articles/CBMia0FVX3lxTE5SX1dNTG1nODBGMXVWRVI4N0pWdDlTMEJOcXkxNHJLZWh5N3ZGR3hleWVuVHJZVGhMNXlHSVh1SWloSVB2NlJfRFJELW01cWRHVkF4ekQ3ejktTzNpTFVEQ2w4WjhmMnRDV0FN?oc=5) · Roanoke College
- 2023-11-06 [ValleyStar Credit Union welcomes Woody Windley as Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxNaFFMUDZmYmxGWm95M0FYMDA3c2g5Vkdra29QbEM3R29mUGtaSkZOSUpnaUtPMG5kZS10cmVxbjJlbjB0eGFTWkZtd0RGTzhRWndWYTdZYjBFRUoxdnc2ZjNGeDJ3MlhyQlZ1VXA2Smd2STZ5RlZValVaNlB3c1ZnZ2FvZnVNVVhmT19YSkJreWJFWWNWajlqVHlVOVJkTGJoZldubUVUVmRSZUVtZGpxaGp3UDU?oc=5) · CUInsight
- 2023-12-01 [November Banking People Moves: Who Stayed, Left and Got Promoted - The Financial Brand](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdWViaG1EMEhJeU9xWjRGbHo0TWdFdTNUVmJIQWxELTlOSDFzb0NrQ2NxNnVIaUNHeGFySVFsdzJQejBZQUJfNnZ4R0dWWV9lYWd5Q3JmUHBJekJ0c2FMeGdUanViVHVpVmRSWkNZMG9nSy1DQ0dLWFJGXzkxZlFRYnVaRDhOVkEtVkgzR1h1TjNqNHFnaFpCRkU4WnZ6OHMzYWl2YWVRdjloZ3hXLXc?oc=5) · The Financial Brand
- 2024-05-28 [End to no-strings-attached free checking raises concerns among some advocates for low-income residents - Cardinal News](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPNVlfczdZOEE3dWI2M2xBcm5vSXU3TC1PQWFmNjZXQ01ZQnRDU2d1MHBWektLN3hjYWdlOHhldGZ3Q29YYXZJYmc2aDBsaXppQVhid2pkOEVWWVdGclp5MkVjRFhUTmhZV0NraTRsSnB1dW8yUFlnZzZWZFpSQlRfSkdueXI0bGQwWTdldUtzTTh4RUhlZ251UHNKMVhRQ25KcUV3X215R2NlTVh4VXJ2MkJZYktMR0JiTUd3LTNta2hBdk5yaEQydHY5NTRPVFVQTGJtUG93?oc=5) · Cardinal News
- 2025-09-01 [Lynda Goodwin Poff Obituary Sep 1, 2025 - johnmoakey.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTFA5aU1RZGpvYm1BUEUyV1lxczNfQ21LVUxra2ppcGd4Z01xYkhiTEYxN014MTFjNFVrRVBNMXBxQ0VlUkQ4bE1MYl9nc2FnUERYVGE5VlE2MExlMEtr?oc=5) · johnmoakey.com
- 2026-06-18 [Hometown winner moves on to regional round in Star-Spangled Sing-Off - WDBJ7](https://news.google.com/rss/articles/CBMimAFBVV95cUxORVBybWpJS2xXSjNKZVpwZk1DdkZ3M1hZdkd5TF9FSERSR3JEdlA3OTBvdWxSMUhTT3hBREl3N2VYem9ycW5CMkRiZ25BdDdSYlhOYjJRNS1wLWE1cDIyMU1KdHNTRllld3VHVFdIZW55cDZ6RGpuSVBMZ0RaQjBDQ2c3cThoNkEwWjhwd1MxWG9LdFJZRHB6TNIBrAFBVV95cUxQM2t3QVlFYUJBWmN6dUtCQlNwa2JhS2l1R1k1bGJ2LVZOUWNTVHRseEs1NU9HX0NHcjVIU0dRMW9BZkVSYS1CR21xNVJLbE50by1OaG1YNUtCeVZMTVZvSnMxNFhZeXZuWHlJX3h1RFh2aVI1MmI1RTNwODZPOE12a201Q2dONkNmbG1HNmc1SjFMZGZsZE96ZjZvaXNrZWdCMEZUeWVBdjQ5dEll?oc=5) · WDBJ7
- 2025-07-15 [Pro rodeo in Wirtz draws large crowd, sells out both nights - Smith Mountain Eagle](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNT0swUURMMmptaW9LMnMtWjBXdVhDblpZamlQTENUeGVtZDRXT0JnX0x2U3FIR0hCRExKNVFtTV9ZdWhHTC13VkpHVXZGRTJUWUlZUW1BQ09jTHdfZjRYaUdlSGMxMjVHS2hXU2YwNno5WVN3OTJiQWx2ZXNUYWMzN0Y3RkJjOTlUcW11NFdLaWJCS2RXZFdxSE8zOFFBbC1VNnUtcUY2QnFHUjBDMDNkSmp1TzlfLXNGb0lma2ZfNmU2UlU3VWxzMjZqWmdEU2h1MEtDbzk5bUJyOV9ETHhrUnFR?oc=5) · Smith Mountain Eagle
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5604 (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/36.json (key "5604", 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=5604
- 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