# ANDREWS FEDERAL CREDIT UNION
Suitland, MD · NCUA charter 5754 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/andrews-federal-credit-union-5754

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated, minority depository institution. 153,258 members of 3,200,000 potential (4.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.58B |
| Members | 153,258 (7.9% YoY) |
| Full-time staff | 313 |
| Net worth | $280.8M |
| Net worth ratio | 10.9% (p55 of band) |
| ROA (annualized) | 0.36% (p20 of band) |
| Total delinquency | 1.40% (p92 of band) |
| Net charge-offs (annualized) | 0.34% (p28 of band) |
| Loans / shares | 100% (p89 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 10.26% |
| Net interest margin | 2.57% (p12 of band) |
| Operating expense / assets | 2.90% (p32 of band) |
| Vehicles % of loans | 27% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 168% (p59 of band) |
| Vehicle delinquency | 0.46% (p34 of band) |
| Vehicle NCO | 0.66% (p28 of band) |
| Repossessed % of vehicle book | 0.08% (p53 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 29% |
| Average share balance | $6,787 |
| Participations bought / yr | $28.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $139.2M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $25,331 |
| Loans granted, annualized | $600.1M |

## Participation posture (from the same filings)

Bought $28.0M and sold $0 in the latest annualized quarter; $139.2M outstanding purchased (49.6% of net worth), $30.4M sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 0 |  | expense trap |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | margin squeeze |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | margin squeeze |
| 2018-03 | 1 | loans>95% of shares |  |
| 2018-06 | 4 | net worth falling, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | net worth falling | leaning on borrowings |
| 2020-03 | 5 | thin capital, leaning on borrowings |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 3 |  | thin capital |
| 2021-03 | 4 | assets shrinking |  |
| 2021-06 | 6 | delinquency 2x band, members leaving |  |
| 2021-09 | 5 |  | members leaving |
| 2021-12 | 6 | charge-offs p90, members leaving | assets shrinking |
| 2022-03 | 6 | net worth falling, delinquency rising | charge-offs p90, members leaving |
| 2022-06 | 5 |  | delinquency rising |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 4 |  | delinquency 2x band |
| 2024-03 | 5 | margin squeeze, delinquency 2x band | assets shrinking |
| 2024-06 | 6 | charge-offs p90 |  |
| 2024-09 | 5 |  | charge-offs p90 |
| 2024-12 | 5 | delinquency rising | margin squeeze |
| 2025-03 | 5 | assets shrinking | delinquency rising |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | assets shrinking |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-05-20 [Andrews Federal Credit Union named 2026 Best Credit Union for Military Families by The Wall Street Journal - CUInsight](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQYXJ4amRNa0ZfcHdocDJWZ2RkMlg0bDJqWnJSdlJUbzFuYlplS2hDVWRlR1VSeGFvNUdiS3NRdDBaNElhTzByTXlFc3J2dXpIRDAzV1BlcWx0Tm1VSjBOVGlwUmQ0a0UwVWdNeW1pVXRMLXM2MEh0b2tOalNFVDBPdWFILVFKcjNzR1pOeEM5MmtZZFk3ck1MdzljdXd3MTV0RmxUcm9FMV9VWXhYM0h3UTAwYTRhY3ZuM3dMOG1ZSHBLMk1lWmZ2RzhNcVdzb0NlalZRQ0d6dHRoYWhnUDkwWQ?oc=5) · CUInsight
- 2026-08-22 [Credit union recognizes scholarship winners - somdnews.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQc2luU1g5MXFOVlp5SWVGb3hnQkNWR0hGTU50OTdkbWk0S3dPb2FEMW1Sc3prY1Nab0lwSVdYc3VaYzdZVEF3QUx5S2huR1IyckF6TnpzelNzLVZvVmhFcTQxcmprZDItd1VQTVZpdGJlVWM3VlRSSkZDcmhmeDhXX1RWNnJPVnNvdTlPVTU4Z3VjZjkyTVJxMXRiaFM3NVdYdkZxT3hqVTZ0a2MwMVNsMlZSNER2alk5dF9rejZZY3dSeWFzMFh3SEE0T0pUdUtwWkRBZEVSZkdaYjJHcHRJ?oc=5) · somdnews.com
- 2026-05-10 [WHUR, FedEx, and Andrews Federal Credit Union Celebrate Service and Sisterhood at the 14th Annual "Moms Who Serve" Luncheon - WHUR 96.3 FM](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOYXNhbVduRUc2ekxRQmZ1Ym1uVkx1dGVDRDhYTlE2LXRUMlNmZzFoQjZZTk9NNEpldVdpY29udzF3ZlEtUXkxeWZmYldQcThOMi0zUXVQTjRoS041QVhNNnFKaUUxUFBCQ2VwZ2JPbE0tSG1xTFgydFFaY1FaNk50TUNNdDdBX2c3N2NtRU05QTRJRmZ5U0tkWl82ekZoVXR1MXladm1HRjd4aHVCck5ucFppeUd2SU5XVnFFaEphUXF3VkpzdzVlWVBHZmhYNFJ3VnpEbzBwMlMtZw?oc=5) · WHUR 96.3 FM
- 2026-06-01 [10 best credit unions of 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcTBVV051REpTUVBkWnRsX1RrQVFLQmZEWk9vZUswOVBQNHZJX214Rm1NWEp1dHFVcWdMenVoYmY4aHE2LW9ZN1FyZTZ5WHRCaTRINGQ1VEJUaXdhLTFXVVJGc1RCSmlWZ2ZHdWU1OG80MU8xNzNCS2wwS1ZORGNfMllhcWs4a0M3M0ZLR0ZwQ2pWRlVFb1Vz?oc=5) · Yahoo Finance
- 2026-01-08 [Black-led and Black-owned mortgage lenders - NerdWallet](https://news.google.com/rss/articles/CBMie0FVX3lxTFBqZS11eEJPcmFzeXZscWpqWHd2Y2w3N2d6NzFvZVhfOGhlVjF1VDJMUVpDN0FnRFB2c3VZd19mTmU3YWF1SzE4T0xXUzBDOHhnSFptT2ota21LLTFYT19JMGd1Qmd6SlNCVU5yRFhqSDZBaFk0OVkxOHJtUQ?oc=5) · NerdWallet
- 2022-08-15 [Andrews Federal Credit Union Announces Changes to Board Leadership - newswire.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPenlNNGRiclhWYnBCUDdlMFVrWWtPNmpHZjhJUXVRNGx2aVlDeHd2M2JsUEY0YnhuUi1telE0dmR3Z2RMR1pTUkZwSExaMm1HQi1BU2dsX1dTbFNTUUNKQzlFNFZqcDZLOEY1Q2hYUS1YM01FRGtDMjl3VjloVFhfa04zUFNiMGFrTnJmSEQydTNLTUcyMmRTbnN4Y0FGUTZ4THRNRWtpdmc?oc=5) · newswire.com
- 2025-01-22 [ANDREWS FEDERAL CREDIT UNION DEVELOPS NEW RESOURCES TO SUPPORT OVERSEAS MEMBERS WITH UNPRECEDENTED UTILITY EXPENSES - Stripes Europe](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPaUlmOHdVN3pocUhWRWFyQU1Ca0otRmR1U3hFZkQ3NjBXRHp0NGowVUExR0FOYlcwRzFxRXlrcTA2VnRhZVl1Mi1SY3VrMHc2VWdpZ2hNRFp4NlBSMl9oLUU4b1JaY2xLdlk2dGlqWHNOZVJ2V0tQMmZGV2dHNFh1N2dRTWc4N1FnUWVEcFE3cHJfbnV6QU1KWDJKNWNJQV8tbzlLU2FuU0JVNHNTbUQ1anJkUjB4MnJxNnp4REpKZDgzSTRUY0lmMlhlZEgxZmdPVG5zYmh2T01DMF9POWkyb1BtOU56VGZxejBfakdPcll2NGRm?oc=5) · Stripes Europe
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5754 (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/58.json (key "5754", 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=5754
- 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