# CENSUS
SUITLAND, MD · NCUA charter 5641 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/census-5641

Who the members are: federal charter, multiple common bond, organized 1948. 2,067 members of 4,000 potential (51.7% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.6M |
| Members | 2,067 (-4.8% YoY) |
| Full-time staff | 5 |
| Net worth | $9.9M |
| Net worth ratio | 20.0% (p74 of band) |
| ROA (annualized) | 1.06% (p72 of band) |
| Total delinquency | 1.66% (p74 of band) |
| Net charge-offs (annualized) | 0.15% (p61 of band) |
| Loans / shares | 28% (p11 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 2.42% (p18 of band) |
| Vehicles % of loans | 65% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.42% (p49 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 2% |
| Average share balance | $11,607 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $21,490 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 3 | assets shrinking |  |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | delinquency 2x band, assets shrinking |
| 2018-09 | 3 | delinquency 2x band, assets shrinking |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | delinquency rising | members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | losing money | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | members leaving, loan book shrinking |  |
| 2021-03 | 6 | net worth falling, margin squeeze |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 5 | assets shrinking |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 6 | delinquency rising |  |
| 2022-12 | 5 |  | loan book shrinking |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 4 | delinquency 2x band |  |
| 2023-12 | 4 | auto monoline | delinquency 2x band |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | losing money |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 6 | delinquency 2x band, delinquency rising, assets shrinking, loan book shrinking |  |

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

- 2020-11-21 [Doris Boyd Obituary Nov 21, 2020 - Stauffer Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBIUV9kSDBtVGZkLWsyWjhSTG1saVZ6VE5LMmhZNDcta0JKbVRCb25JcEJvOGgyOG1XNU5OYkZlSngtSzd4Q09PWFBvajZpSENvc3g4emJYSUFZRHFIS0VDZGxRcjJ5d1cy?oc=5) · Stauffer Funeral Homes
- 2008-09-15 [United States Census Bureau Headquarters, Suitland, Maryland - World Construction Network](https://news.google.com/rss/articles/CBMicEFVX3lxTFB4OHNQaElZNF9rLTJHTEVOT3MyaDUtcGJpYWYyT0tlUVZ6bHYxR0pmaHJtWDlsR2JOQU9ZMXJWdzMtOVlUV0thR2RTX0J4N013S05ZNk9oN0lCbFduYXE0U2V3UlRRS09rM1FHb1BBMmY?oc=5) · World Construction Network
- 2017-10-07 [U.S. Census Bureau Headquarters - Architectural Record](https://news.google.com/rss/articles/CBMihwFBVV95cUxQeXNDdHdkYTRfbDVoZnVSTWtjU3BpWEtnQ3AtbTZ3REw2NEtrWC1QVDRGYXYzWllvLWdTc1NqNW1JYTR2aUctU0d0S21YMFVteGlBMUhiNkIyaWVZcE1Pd2piVThZRExwUHJSWkhVVVllcG5uMHVtc2ZfSU9YbEQtaVBZWUJnbWs?oc=5) · Architectural Record
- 2007-05-01 [U.S. Census Bureau, Suitland, Md. - Architect Magazine](https://news.google.com/rss/articles/CBMiigFBVV95cUxPLTljaTJpQWdGcDVIdjRETHFUSHh1SXY0c1FkV0oyMVB0OXNhdVJPWU5MOVBUazFTSlNybjYzUFNCZm8xV09jbzJhUGI4TElNZ3F2bHEwOXVoMjE4STd0WVdGMTFnS291UkxZajZ0UVhHckpHaWhQeUM0SWttZHY4cXBpUFZQaG51T3c?oc=5) · Architect Magazine
- 2013-10-10 [Halved paychecks force the furloughed to slash expenses and take loans, second jobs - The Washington Post](https://news.google.com/rss/articles/CBMiigJBVV95cUxNZWtVTERNYXZUbW05bEFVVDBwSmJvdmdRVnlkUV9XTW9QTDl4enpJVVNEX1ZaMzFFUE1BR1BrWjl4bUtrSkF4VGt5SGgyOUFwSjFVY1ZYaTJoQlJxQ3hZdWwxZE5UWHdrMUpaSmhuSDhEdlhycGFQX3FQS3VMbnM5eTlaV3duN2I4UDlqbXN2M1ZCMF9NdEtwcmxkYmM5dldYRTRNT0FaYk92MnFJNG1mT0VJQmpvNTJLU044VElWTG4zY29qLWZoTjBXSWdxdHJFMnRtZ2R1bDk1ajc4VERUMXh6eFBJSGRpSWV1ejhyMklLaTlDZTljeXY5OXVGTlJvU2RUMnlpZy1CZw?oc=5) · The Washington Post
- 2018-03-13 [The ugliest building in every US state, according to people who live there - businessinsider.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBsSkpaMEg3cTNlZ1EyY0lUOXRjQUZkeWY0T2JBZnJlMnFuYktaVmVrN3FtQmZXekF3TGNoeGFMQm1ZVVJfVFdrRG1nSV9Zb0I3ekxYZGd6QjQ0ZThXSkEyZzNsX25pVkJ6QzdZa0Nhc002YXd0?oc=5) · businessinsider.com
- 1995-05-17 [C.M. NICHOLSON, SOCIAL SERVICES DIRECTOR, DIES - The Washington Post](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQTkVLRWFockd0NmFmZlQzelR3WllhYS1adWNKSm93WFNWQUtjazVVQmcwampDUmNvSElpaUx5aUZJMlJ6RVFMVEVFZFFWQ1hDU281WmlWLTZtLVdjMXUtdW9qX2tPMGpZd0Vla0JGVTNSaTRUYmdpd3R4c1dzZHZVYlVZTlpWdkRNamJqLW5jRzNLeEV4T1huZFIzdnl5VHNtTjV2ak04ZXRWTUVXVS0tTlByTTNsTlF4NHNhaWlWaVotVXN0elFjcG05N0ZObXhycmc?oc=5) · The Washington Post
- 2001-02-09 [John D. Hunter Sr. Dies at 88 - The Washington Post](https://news.google.com/rss/articles/CBMivgFBVV95cUxPd21KTnNGTlllY2dNNU1PN2tuZUtBaDgwR19QMktrR01xd1N2SF9aRkp3aE10SUw5YWtZY1I0WXpyVUM3aS0wTWVkakxKTC0tS19rMERfLXRTM3RwZXptQ1ZqdkpVMUg5c0pxZEdtTWtZUjY4Z0lDOGpZclJLSE5TWE5PcVhaQmtqc3p6cENvd0VwOXhUTW50X0V0WkY1VTh1Z0hrend3STVZUGlFRFFDVGRabHpreXo1TlBkSWRB?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5641 (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/9.json (key "5641", 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=5641
- 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