# GREENSBORO GREENSBORO, NC · NCUA charter 63445 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/greensboro-63445 Who the members are: state charter, organized 1928. 1,420 members of 3,000 potential (47.3% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 30. **Verdict on the desk:** this could be *ordinary*. 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 | $16.0M | | Members | 1,420 (-6.1% YoY) | | Full-time staff | 4 | | Net worth | $5.4M | | Net worth ratio | 33.6% (p95 of band) | | ROA (annualized) | 0.12% (p29 of band) | | Total delinquency | 3.55% (p89 of band) | | Net charge-offs (annualized) | 0.00% (p37 of band) | | Loans / shares | 84% (p85 of band) | | Cash / assets | 39.5% | | Borrowings / assets | 0.00% | | Net interest margin | 4.07% (p58 of band) | | Operating expense / assets | 4.39% (p67 of band) | | Vehicles % of loans | 48% (p33 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 6.66% (p96 of band) | | Vehicle NCO | 0.00% (p35 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 46% | | Credit cards % of loans | 0% | | Unsecured % of loans | 4% | | Commercial % of net worth | 0% | | Core shares % of member funds | 100% | | Certificates % of member funds | 0% | | Average share balance | $5,416 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 30% | | Loans granted per 100 members, annualized | 7% | | Average loan balance | $20,893 | | Loans granted, annualized | $1.2M | ## 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`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 1 | net worth falling | | | 2016-12 | 1 | | | | 2017-03 | 2 | losing money, delinquency rising | net worth falling | | 2017-06 | 2 | | | | 2017-09 | 2 | assets shrinking | delinquency rising | | 2017-12 | 2 | | | | 2018-03 | 2 | delinquency rising | losing money | | 2018-06 | 4 | members leaving, loan book shrinking | | | 2018-09 | 2 | | assets shrinking, loan book shrinking | | 2018-12 | 2 | loan book shrinking | members leaving | | 2019-03 | 2 | members leaving | delinquency rising | | 2019-06 | 1 | delinquency rising | loan book shrinking, members leaving | | 2019-09 | 1 | | | | 2019-12 | 1 | assets shrinking | delinquency rising | | 2020-03 | 2 | delinquency rising | | | 2020-06 | 0 | | assets shrinking, delinquency rising | | 2020-09 | 2 | net worth falling, delinquency rising | | | 2020-12 | 4 | delinquency 2x band, repo signal | | | 2021-03 | 6 | losing money, margin squeeze, charge-offs p90 | repo signal | | 2021-06 | 4 | | margin squeeze, charge-offs p90 | | 2021-09 | 1 | | net worth falling, delinquency rising, losing money | | 2021-12 | 1 | loan book shrinking | delinquency 2x band | | 2022-03 | 3 | net worth falling, losing money | | | 2022-06 | 0 | | loan book shrinking, net worth falling, losing money | | 2022-09 | 1 | assets shrinking | | | 2022-12 | 2 | members leaving | | | 2023-03 | 4 | delinquency 2x band, delinquency rising | | | 2023-06 | 4 | | | | 2023-09 | 4 | | | | 2023-12 | 4 | | | | 2024-03 | 3 | | delinquency rising | | 2024-06 | 3 | | | | 2024-09 | 4 | delinquency rising | | | 2024-12 | 3 | | delinquency rising | | 2025-03 | 2 | | assets shrinking | | 2025-06 | 2 | | | | 2025-09 | 4 | delinquency rising, assets shrinking | | | 2025-12 | 4 | | | | 2026-03 | 4 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-01-28 [Greensboro planning commission recommends approval for Self-Help's senior housing proposal - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOWU5VWEowR3c4X251LXMzTU9jczdOdEVfeWVEWmZlUTZjZElEN21MLXBFUXo0eFBMVk5FZno5VWYxSnM1UFBMc0R2cHNFbTNtZDc3dkdpdV9mZXhqcHE5NXBPZHdnbkh5RTVNTGp5STgtRVp6SFMzeFlRS29pdHdQbndRdWZxVGR0Z0pSOFozNVB5SHVwbjJVNklyS2syYjl3NngzWg?oc=5) · The Business Journals - 2026-04-17 [Rachel Warren Obituary (2026) - Greensboro, NC - Greensboro News & Record - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUGl0dWoySXpqZTZIcTZoMVgyYzJkRzQ2Y1BxSXRLWmJfMndsbnNuRnJ6aDVCX0E3V01iVkxOMHVBNVd4X0hLUWFSSjBTeXVDNmdrbFBJYnZ5QUdkVlNWMm9jUHVYVkRGaUFfLThJM25LdGxCbUJkcHQ0ZHlGaE1CRFNHMDg1RWNXNG4xMmx3cUY?oc=5) · legacy.com - 2021-01-16 [Police searching for Greensboro credit union robbery suspect - WXII](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNXMwZFFkZDk4eVNVWkZ4Y2xfZU5tTzF6NDRwd0NZUWZNSjFRVkNJNl8wUlBoc2pCV1ByZzBPME9JQXU1MHdSUnJsOC03dExucm5EWXljanpQd2tQXzJSRTlVNjV6Qks4VEpUcEs2NE8tZ0xxeGlzLXZGSTdnQ05GUmxyUVNlTHVlTW5raDU1SGRzYnNQeW4tbQ?oc=5) · WXII - 2023-07-28 [Piedmont Advantage Credit Union opens ATM at Piedmont Triad International Airport - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOTkFqRkJyTkR1QWM1a09iSVhWMnVMa1BBc3J3YmRkUDE1WXN0NUJqZXlJM2VRYjIxZWRFcGJUZ3Bubk40clhtbGRzR3YwN2Q0anNweG9TU3dxT01sV3MyRVN1ajBra09NT1VVbmpxMWVnRjNpbG5sOVJKWXl5WmRpUjVlZ2V0a2xqVzNRX09paUktWGZfWUViamF1ekRGS01QOEhFVjZDWWZCaUEzODJsQlNIYjJFcGJHTWZaa1l1ZnBJQ2k4N1A4WndTR25BSUQ0Sjl3?oc=5) · PR Newswire - 2021-01-16 [Police searching for suspect who robbed Greensboro bank - wfmynews2.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTTlZR3dKY3YyTk8wVTNGLUpOVTVkLXV3Y1BJLVJndl96WWk0dlpvTnVfSTdvMmhldms2aWJIM09GUF9oUUppbE1Mb1FFMllHak5uTmlFa1MwSlhyZm9qMUFtNDJwdERsaGNfaHk5cTBkNzdZdS1wVWRGYVZrMmt1LWVmbE5Eb2N3SDN3M1V2Znk3azg0WTRSZ1dXTlNEOHdsdVJHU2ZpNlF6bTlLLS0wSElYNU1LX2x5WW5WZGVn?oc=5) · wfmynews2.com - 2025-07-15 [Allegacy Federal Credit Union plans 50-person member care center in Greensboro - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNZmtXRmQ4eTltZmVpd3JQZ01MWkUzRVpyZEdidS1uTXViOWdQSHRzak9hMVhSaEpUSXJRMW9vQ1NEaHFWVFRnc3ptbGgzQkZmN0JReFFzYlpWZFhONTlPenhuOVNTdUtXN2ZJR1R0VFp5eVJXMWVLMkp0QXdOTk1QWGlETnJDR05MX2lYcVl1LVhKMWg5T2Mwd0NrYWVBRlZoTWF3?oc=5) · The Business Journals - 2025-09-12 [N.C. A&T to Host 2025 Community and Economic Engagement Summit on Oct. 8 - North Carolina A&T University](https://news.google.com/rss/articles/CBMickFVX3lxTFBWMVpQbFpwOTJCRGZHeEloekVxYmduYVktbmhiSWxmR1Y4Yk16MS0wZXdLNk5tdzk3aXN0eWJRd3lHeVZLMzF0TDlPcDV5Rm5oSUVqWUdDcnBGRlgzbzdfMm95NDhHRG1saFBXekFZTDFjdw?oc=5) · North Carolina A&T University - 2021-06-01 [Refreshing the board: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWXlaekpORHN6NFpqRlU4S21YOWpkQjhEMTEtbzZqSUVMTVVLYkxaV3VTNW5XaXZsSFFCQnU5RFJCQTI4cVFXbzBjT0xKNmZfalo4UUNwaUZlYlZtTDE4bGNnbnB6dFpJTmtOY2Fna21VLVlOdjl2YWpCWUcwcFhtNjMyQUt1bnBjNlBVUERtdFRyekdBVU9ER1NPMA?oc=5) · American Banker ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=63445 (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/21.json (key "63445", 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=63445 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide