# NASA
Upper Marlboro, MD · NCUA charter 6328 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nasa-6328

Who the members are: federal charter, multiple common bond, organized 1949. 238,190 members of 595,475 potential (40.0% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.84B |
| Members | 238,190 (-2.8% YoY) |
| Full-time staff | 371 |
| Net worth | $591.5M |
| Net worth ratio | 10.1% (p36 of band) |
| ROA (annualized) | 0.59% (p40 of band) |
| Total delinquency | 0.58% (p46 of band) |
| Net charge-offs (annualized) | 0.83% (p78 of band) |
| Loans / shares | 92% (p68 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 8.57% |
| Net interest margin | 2.47% (p8 of band) |
| Operating expense / assets | 1.69% (p4 of band) |
| Vehicles % of loans | 30% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 481% (p97 of band) |
| Vehicle delinquency | 0.95% (p76 of band) |
| Vehicle NCO | 1.60% (p76 of band) |
| Repossessed % of vehicle book | 0.56% (p97 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 26% |
| Certificates % of member funds | 58% |
| Average share balance | $11,689 |
| Participations bought / yr | $12.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $66.7M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $26,750 |
| Loans granted, annualized | $1.14B |

## Participation posture (from the same filings)

Bought $12.0M and sold $0 in the latest annualized quarter; $66.7M outstanding purchased (11.3% of net worth), $93.6M sold and retained. Sold in 3 and bought in 5 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **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 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 6 | net worth falling, delinquency 2x band, charge-offs p90 |  |
| 2016-12 | 3 |  | loans>95% of shares, net worth falling, charge-offs p90 |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | loans>95% of shares |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 |  | loans>95% of shares |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  | net worth falling |
| 2020-09 | 4 | 3rd-party paper>100% NW |  |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 2 |  |  |
| 2022-06 | 5 | net worth falling, margin squeeze, loans>95% of shares |  |
| 2022-09 | 4 |  | loans>95% of shares |
| 2022-12 | 3 | loans>95% of shares | net worth falling, margin squeeze |
| 2023-03 | 4 | repo signal |  |
| 2023-06 | 4 | net worth falling | repo signal |
| 2023-09 | 4 | delinquency rising | loans>95% of shares |
| 2023-12 | 3 | loans>95% of shares | net worth falling, delinquency rising |
| 2024-03 | 5 | margin squeeze, repo signal |  |
| 2024-06 | 4 | net worth falling | loans>95% of shares, margin squeeze |
| 2024-09 | 4 | loans>95% of shares | net worth falling |
| 2024-12 | 3 |  | loans>95% of shares |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2026-07-09 [NASA Federal Credit Union Earns Celent Model Risk Manager of the Year Award for AI-Powered Modernization - PR Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPSlpDelVaYWpBeGY2dTBITG45QUJPYzIwNUswWUZuT29hUmxsZENfMGtHcHNPUUtvcW5vRmtqNjhBU1Q5aWk3M0VXUEg2ZmRSWUxPZ184bEVrR0w2MnRZLUd2UFhFXzNRWkJpMy1aRHFJNC1fZXpLSkRCMk9Ed3RuR19OZ0FJLVRqMDhHN0huODd2S0ZNdWZJNEw1NHpFZ2N1MVhEN2l0aWFtdmc3eElWeEx5SVJ1SVRKcmEwVUZfaDQyY01XRWRUVkNWeVVzTkxOSjBlRDYyS3VRVm5xTDZ0UzZqaHdISXgtTTFwT09hVEludw?oc=5) · PR Newswire
- 2020-08-26 [Virginia's Partnership Federal Credit Union to merge into NASA FCU - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdFE4NmZqeDAtSlFYcmtJZkdPSWJSNzI1eWU0YlJSR29LSWxQTlE3R2otVzlkRUVYckYxRDkzYW9VR2dBVUNDSTNKUWFIYjJELUstZERDVUJxZlBFMEVYQmc0S2xnVUI4NnVOWXdRcENhRThPQWhQQ0ZLYTdFR1ZaUm9JT1F6Y1Q2cXBmSFBVV0JVMG5OODFZXw?oc=5) · americanbanker.com
- 2025-08-11 [MD|DC Credit Union Association welcomes new board leadership - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTVB2TWhCeDhXdmhoQUhCVWZEYUcza0d4bnkyVFFGQ1p2ZFVZLUxyMW40VzZzVEpZU3QwVWp3STJBdTcwZXNob3dGOGRwWkt1SmljaHFnRmVJWS1RSl9hRTIxMW1pdW9fSjl3c3Y4UHZqVHAwc2dURXdfWHdoNlJXNWt4Qy1VUkVJLWxlSzhuSWdrQUprMTF5TGFEWXdvdzNiWHc?oc=5) · CUInsight
- 2025-03-11 [16 Credit Unions in the United States That Anyone can Join - businessinsider.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZVNIY2hNRE02Y2dQOG52cFNmejQzZjdTTURrX1VHM2hZVHN4enRRR1BtVmxHZ2tmYVVkRDVOZGpWemtJYU9FUFMxdkVSNmVGRzdVMVR0cldGSFZDQV9Qd1J0VXhZMmc0UmxteDZKc2dTc3NTMEh6R2Q0cmdrbDdzV2drQk5mazlQQnVkemg5bw?oc=5) · businessinsider.com
- 2019-05-31 [NASA Federal Credit Union and The Partnership Federal Credit Union Announce their Intent to Merge - PR Newswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNbG9WX3lKOHVOYkdmcDY4NVItZTJsSW1OZWVzT1BuM1JYM3U4ZVkxZldmZkJWeS1nbDZoQkNyRHpqTzdQZjdWYVBmUVJzak1LV1NjVmNZM3VvM2c1N2hMVVZmbGY5S1A5U2JNNG1yX2R6VHBpWUtGNlA2Sk1GRFlldFdSUTBjeHh3dFU1WFJFTEVWLUN2TENDb2RFbC1uUVJfbS11UFpuVU15VnFCaTdCMzZPN01NLXhBdFdFUlBtWXVtalNFay1mSXdXeGwwS1JIbzNmVEtzNm1IVHZtUno0UnR4UDM5OVR0?oc=5) · PR Newswire
- 2024-12-12 [Best 6-Month CD Rates for September 2026: Up to 4.31% - Investopedia](https://news.google.com/rss/articles/CBMib0FVX3lxTE5pWW93Vmo2NzZDSmxmOEpuMldZQ1J5M2hyRzdqXzlnNXl5YXZSX1BEN0t0SkFPNlJuZVdQV0VmUGYxeThSdjhyUF9jRmdLRkdZOEZ4MURsTzc4MUVrd3oxbGo4MnpzOS1tMDl5OUFITQ?oc=5) · Investopedia
- 2019-08-23 [Partnership FCU's members approve NASA Federal merger - americanbanker.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQU05EZW0zYXJOSGliVTVTWkpUQ0pSQkhualN5MHpLNHF0Y1UtZFNVVW5aMnlwZjkwU0hfaVV5dTNaVG44ZWhtU1l6WlFKbXBwOHcyVXhaLUhQYVFzdjVUZVJxUDliQ1VQRzZoSDE5TEQtRXFEOWZpU0wxdFZwVEZHWWQxbkcyLXVuNmJGSDNWcEdaR040aENwN0toREZ5YXMyaUNB?oc=5) · americanbanker.com
- 2025-10-23 [13 Best 1-Year CD Rates of September 2026 (Up to 4.30%) - NerdWallet](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1jZU5VVmF0bEVqRzEyQkRqSDJjTGxqVVVHOEpSQjA0cWtmSW1UaFp6WFY1NVlPRlQxbkNhTVQ1Y25UbnBSSnkzRnhDVDVsWlc5MUF0bmVEYkh0MmpER0VkUjA1VGpXUQ?oc=5) · NerdWallet

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6328 (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/56.json (key "6328", 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=6328
- 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