# GLOBAL
Anchorage, AK · NCUA charter 5913 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/global-5913

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 801,895 members of 20,157,252 potential (4.0% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.86B |
| Members | 801,895 (3.5% YoY) |
| Full-time staff | 2028 |
| Net worth | $1.24B |
| Net worth ratio | 9.7% (p38 of band) |
| ROA (annualized) | 0.42% (p12 of band) |
| Total delinquency | 1.23% (p71 of band) |
| Net charge-offs (annualized) | 0.68% (p42 of band) |
| Loans / shares | 92% (p75 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 2.25% |
| Net interest margin | 3.39% (p71 of band) |
| Operating expense / assets | 3.36% (p83 of band) |
| Vehicles % of loans | 40% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 364% (p96 of band) |
| Vehicle delinquency | 0.76% (p42 of band) |
| Vehicle NCO | 0.92% (p25 of band) |
| Repossessed % of vehicle book | 0.10% (p50 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 161% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 26% |
| Average share balance | $9,774 |
| Participations bought / yr | $0 |
| Participations sold / yr | $31.7M |
| Participations outstanding | $954.0M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,169 |
| Loans granted, annualized | $3.92B |

## Participation posture (from the same filings)

Bought $0 and sold $31.7M in the latest annualized quarter; $954.0M outstanding purchased (76.7% of net worth), $111.6M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 12.1% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-04-14 [Global Credit Union Brings Branch to Utqiaġvik - Alaska Business Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeXJjSXdNOTdES0NYN2ZKUUpJQmpwV2hxNmRhbTRCYlhKM0dISU9sLUpqSmFiLWFOS0lmVnN0Wm8xYW8xaEFFQmkzaUsxQ3hTWVdRc0xTYWFwejdrdDkxU3BRYkNjUnBUbUtQczhMSlFrTXA2QWFJTnBaWi1uTnZUT2xmNTRsN2ZOdWxRaFZ5X21jY28?oc=5) · Alaska Business Magazine
- 2026-04-22 [Global CU Takes Its Branches to the Northern Limit - CUTimes](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQ2ZrUktKdEJNbFZTNlc3WHRNU2l5c3FSNzI4cGVGdzBBdVFjZ1MyOUlzWUJ5aGoxaTZFbzRJNHF3N2w3am1ob2Fhd3dXVjlXLXZuTWx0UjJhakM2OEc5anZzQmtNLXpXeFNiUUdhbmg4MGpEaURvZXphaDQzTWpBd0JOX0drTUxGNTVTbFBwTQ?oc=5) · CUTimes
- 2025-12-19 [Global Credit Union Foundation donates $110,000 to food banks and pantries - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcWF6OXNJYWd1SkQ5ZGdyLVBDdlpmSVdvZjNUeXdMekJXX3BzcnlmdE82VkEtOWZKeHprTnpPY184OWVIbWNJR2I4eDNBUlpwaFpvSkFQSUZwMHpQT3liQ3JkYmlMd21FdDJjSWQxeERKTWc4Zm42aDdBR0hSTmpxQm1CanBzZ3dWQ1VXbEtETmVuSm9wdEJTeGtPRDhTV3RLdHVpWnMtLVBkZ2xzeGxoLWwtWQ?oc=5) · CUInsight
- 2026-01-16 [Global Credit Union Foundation awards $55K to Alaska community nonprofits - youralaskalink.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNa2R6X0p5WU1IZFBEem4ybEQxekMzd0hmR3YzcGQxUkh5OHljMmtVaURqa1RLdU5teEkzQkZPQklVOXBKSlhJcnMwaXhNTzN4b0c2bWdJeUZUaDMtMUtEY05UYlRGQ0dNWTEtUlJEM3dya1IybF90RnZXbENBTkctdllVNUk4WEJGX2dCMkRVak5JNUZUX3poQ0d6aXVxdDlQeHk1M295SUhPU0hnOEVXbXpUeTRxQmk4c3JhbFRRXzMySWFGNkM4TVhzaUN2c2ZPZU9XUWxvVGNfZHY2YUpzeHdsbEcwblUydWhEa3VLODdrTENqMkNn?oc=5) · youralaskalink.com
- 2026-09-01 [Opinion: Young Alaskans need more than a paycheck to ensure a stable financial future - Anchorage Daily News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQb0JCYjI1cTJRMTJWNi1HaUh2UU82dkFYeUdpeWpXTENuN1dGRTFyRE5yLUxoWVdCcklqZURPMUw4Yzk1cFFWM3JabTZuYnIzUnlaMTMySExIMGFSR1pSbWtuYWtoeHdWdnRFYjB6SjNOYlJhT1ljb3VYNU1SLWM2TXd1MExmZFpDX09aZURxekczSlZvaFBjdGZqM3h6YXBtdy1aQkFoZDVPVWRhWnE3X3pmQl8wX0p3ZzFhODFIWl94alk?oc=5) · Anchorage Daily News
- 2025-12-08 [Child support comes first when considering debts owed in foreclosure, Alaska Supreme Court rules - Alaska Public Media](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQaUJmTHlaVDFHeUpOblBpVnE5QUY3QmNuOXZ1SjVKdjlaSHhiTlJWV3ZQQzJGZEhCZE9RbjlGX1M5NEpSM1Ffd0VKRWN3MjBqYjQ0RHhDM3ZadUs3Smh2VWFNaU5uQlZHZVBWMzR4NHRud2dDRHlYdG5WZVdnb0Q2Y2FnSHA0WU1pTzllLTFvN1lRVzcxRUszbmIwaVNtNjVuRm5LQ204YUlWTGFmNkxaMkRjWnJTOWhqWlZpT0t4d19GbVNLTHAxaG92VmhGNW5XNVFNRkpKUkF6dEJ1?oc=5) · Alaska Public Media
- 2023-05-08 [Global Credit Union Grows from Alaska to International Opportunities - Alaska Business Magazine](https://news.google.com/rss/articles/CBMisAFBVV95cUxPUUEyREF2REdqTlo4YkE1WmxVZTlSd1RkQ2ZKanF4MW1qYl9yNm1Fb25CMlBKdTRfRmUwbjdJZGowT0I3elBRbGt3YW1ETDJ4aHd2c1cyTjM1enFGZ0VtWHBpbFU0R3cxUElpcVF5WUpEQ0tCNndIb2kxME41WFZCakFTa2NGek9qS0tnMTdfb1lHQmRZM3RCTUFJRVNtQTA2eUZfSTRUNzVSbVFiNk1yaQ?oc=5) · Alaska Business Magazine
- 2026-08-11 [Anchorage golf tournament raises $90,000 for two Alaska nonprofits - youralaskalink.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOOFBvd040QzNINFBEUEgyamw3UE9mTlRFS2V6ZUdIMjhrR2hXdnhGZDdXWnBiaW1KYTlld2JYUS1yaWJNdjVkVnN0WEpsdHRSNWE4ZkZjLWwwUHdzNzEyeHN2MkxoNTBKaUdteTBndjduRzZjSVl0d3ZJT284RXFVUEhNOWQ0aERsSWQwX2hlTkl1bXZRazBLNEEtRDNmNW5xcklpd2lWMG9fdjRBdURSa01RLWRGOGNuWGUwcWMxbzU4U0pSWHRBZzFIMUlQV1MyUjN0OHdNZ29IVko5SkthOW05QUN4T09jX0oyWk53?oc=5) · youralaskalink.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5913 (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/25.json (key "5913", 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=5913
- 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