# NORTHRIDGE COMMUNITY
Virginia, MN · NCUA charter 61257 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northridge-community-61257

Who the members are: state charter, organized 1957, low-income designated. 7,962 members of 255,664 potential (3.1% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $109.6M |
| Members | 7,962 (4.3% YoY) |
| Full-time staff | 31 |
| Net worth | $17.2M |
| Net worth ratio | 15.7% (p85 of band) |
| ROA (annualized) | 2.54% (p99 of band) |
| Total delinquency | 3.06% (p97 of band) |
| Net charge-offs (annualized) | 0.91% (p88 of band) |
| Loans / shares | 97% (p98 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.84% (p100 of band) |
| Operating expense / assets | 4.82% (p84 of band) |
| Vehicles % of loans | 14% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 7.01% (p100 of band) |
| Vehicle NCO | 1.53% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 21% |
| Average share balance | $5,633 |
| Participations bought / yr | $1.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $17,222 |
| Loans granted, annualized | $21.9M |

## Participation posture (from the same filings)

Bought $1.5M and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -5.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

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

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

- 2025-02-27 [NorthRidge Community Credit Union shares impact that childcare has on business - WDIO.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxONzVOVDNLTmxFcFI5WGVDRkhjdHRtMFdOSFF2ckVHY2NHUHZJVnJFQVBNM19kdm9ldUZLeVJWRFFKdHdOWloyNVk2eXcyYmxwWkIxQnVTY0JOUTh6Wll4WF93R2E5STZocEtvOUM2WVc3b1JSWjF4Vy1NbVN2eV9fT3hNWnZpNmNveUtEN3EzOW12VzJNd05DVE9xX1poOUpNT2lFQXhpUm1aeUZXdzllMndR?oc=5) · WDIO.com
- 2021-06-07 [Minnesota law allows banks, CUs to serve previously banned customers | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMizAFBVV95cUxPM0JjeUhueVEzZDlRLUZMbWhMZGEtSVhUU09DTkJHSm5ZR194OVpXbkZyTi1aVDEtUnZLUF8wQTBhM2o3Rkl6bk9uX2FrWHlLa0NpVTBTQTdScTN6M21yc1FoR3ZnVFQxMGh3dGRsWjVuVHo3YzQxQ3lXcm95VmpWdE5qdFVtWDBPS2h1NDFLUlZDbjRMS0RPUGNyTExGeXYyNWpWTTdKZWxmakEwSEo5TkJ4SWdmanZZNjJKTk1jZi1GWmJzQXhMWXhtcF8?oc=5) · American Banker
- 2026-01-16 [Gwiingwa’aage (Wolverines) on Ice - mesabitribune.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOUm1DeU1udVJpejRmYTBuQVhoTkpoVHJiT0g4cmpoc0RObEJoUXlzRlBzenlteHJQZ1dxX3hwOUNYZHBYN1ZyV2ZnNEtSSUc1TlpCOGgyaDJzc3ZGUjlJaVB3MjJnVkgwMlpVcEFRckZycWMzR1RqRGQwbktRUzdjZVdqSXFCdXNxbVZqTFUyMndSWWd0T1BXMkxhaVN5eU5RRzNfUUs0T2U1SXpnZVgwaUh0N09mcmF6dXQ4TFRZVQ?oc=5) · mesabitribune.com
- 2026-04-22 [Solutions to the shortage of child care include investment from companies and a tax credit - WDIO.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNRWpoNHMxYlU0aGFfSDRtMFN5UjlEdUFLS3dMb0VvQ2wtNy1UUk55U1pnUGQzVG1nZFNWVlRBMlA5emxZMFAyVW9LNGN3bmtBWWduSzdXSGFvT2RrXzVBQ2NobVlnQnRkRUxtRlpsanRpc3ZFbFdYV2VLMWVrY1RfS3o4TXlTcDVNa1d3ZzdNRTN0c2lCRVZaSVFRMzhzQlpsQnQ2dDMwa3VlakRUdkpLbTVoT2JVbDVLRHJTbmFINDBtZw?oc=5) · WDIO.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61257 (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 "61257", 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=61257
- 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