# PAHO/WHO
Arlington, VA · NCUA charter 6464 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/paho-who-6464

Who the members are: federal charter, multiple common bond, organized 1949, minority depository institution. 6,977 members of 48,000 potential (14.5% of the field); checking penetration 97% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $325.8M |
| Members | 6,977 (-9.9% YoY) |
| Full-time staff | 35 |
| Net worth | $46.5M |
| Net worth ratio | 14.3% (p85 of band) |
| ROA (annualized) | 0.43% (p31 of band) |
| Total delinquency | 0.64% (p54 of band) |
| Net charge-offs (annualized) | 0.60% (p72 of band) |
| Loans / shares | 56% (p13 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p7 of band) |
| Operating expense / assets | 2.57% (p14 of band) |
| Vehicles % of loans | 2% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p23 of band) |
| Vehicle delinquency | 0.95% (p76 of band) |
| Vehicle NCO | 7.29% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 89% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 43% |
| Average share balance | $16,711 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $27.0M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $38,902 |
| Loans granted, annualized | $14.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $27.0M outstanding purchased (58.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **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 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 2 |  | net worth falling |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | net worth falling, losing money |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | leaning on borrowings |  |
| 2024-03 | 3 | net worth falling | losing money |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 1 | members leaving | leaning on borrowings, net worth falling |
| 2025-03 | 2 | losing money |  |
| 2025-06 | 2 | delinquency rising | losing money |
| 2025-09 | 4 | delinquency 2x band, assets shrinking |  |
| 2025-12 | 2 | loan book shrinking | delinquency rising, delinquency 2x band, assets shrinking |
| 2026-03 | 1 |  | loan book shrinking |

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

- 2026-07-26 [Members Greenlight HEMA FCU Merger Into PAHO/WHO FCU - cutoday.info](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQndCMTB4MDh2YkVMeGlFUFBfaWJ2cHd2NEl4TEF2eWtTMlBpZVA0ZTdOQ0U5UlpBUUZJT1BQYXFRY09xTkV5ZDdfejNpVGpuU3BtY2hIaVRTLUU0SmwwUlBCZW43elUyNUJpZVExRkxiWUZVZEpzVTNHMmwzbEJWWUNPSkcxZU15TERxejdpclp6bjQ?oc=5) · cutoday.info
- 2021-09-03 [The Best Credit Unions to Work For, under $500 million of assets, 2021 - americanbanker.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxON2lPQkZ4WUUzS1FfVE9HaVJ1TEVFNWVoNmVFLTE2WVktdnpRZGZLZlloVDBhYXRDcVdRWkJxczByRTFVam9zcXh6ZmQzYU9oNDNjWU1temktQUk3bEdpdzMzZENwNVFDaHNrdkJ5QzYyT3JnSEFmLW9yblZaR3JKZWFrcUVJc1lLNk0xYVc4SjlCbWlNcG8wemxLWGctWVNFM1VabzVDWmJkd2xkc0N0cUJ3a1VzdHc?oc=5) · americanbanker.com
- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2024-08-25 [Best Credit Unions to Work For 2024, ranked 1-35 - americanbanker.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaHA5cllGQ2xhLVVGWFJTVTVYVTdkVG5jZlpxZllYSEI4NktzT1ZyZC1FNFdjVUdyZnlkM0hxQ1lOc2VXbTNZSzJ3b2hoQUM3cnd1VEQxVkRma3ZwOGp4Tkw3TGxmMGZsb0VZQ0dfakZLLTRwaktMUnZCZ0d0U1dWLU5iMXBtUm5wY3A2dVhSbTVEc2JvcXc?oc=5) · americanbanker.com
- 2026-04-19 [Guess who’s (not) coming to dinner - Politico](https://news.google.com/rss/articles/CBMingFBVV95cUxOTkJKSWJhN0pKSGoyWDdwZFZ5NDgzOTdkZDcybmJ2SGJOUUlWdnF2d2h0RWg2WDA2bjdweXNCb3prTTh4djlIYzdsdzJ3TXZSMlJsbENDRUZZZ0FDX3pUanh0MUltR25LcVhybGtUeW9TUWFyZWxGOU4wUWRXWkFuNGc3RjdUeGtWcldOc3Q0S1lHZjB0dzdkOFE3WTNhQQ?oc=5) · Politico
- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - americanbanker.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · americanbanker.com
- 2023-08-27 [Best Credit Unions to Work For 2023, ranked 1-35 - americanbanker.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSlhGY2UxTDdyY3FkYjNBR214VDU2NEZmbDNyeGtYY05nYXRwX0ZKUWJnZk1yLXBoMkJoejBobWpaX0lMMURfeE11X2IyeElRSFJ4aFVDbXZISzRlQnMycWsyZGxNSTJfNlQ0SFJFSVdQb0xfbUVZWGtsY3FwSVZ1OGJYM04xZw?oc=5) · americanbanker.com
- 2022-08-30 [Best Credit Unions to Work For 2022 - americanbanker.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcm9zTEJkQ0FYOHVjRENIMDBVQ241cnE3MG9Ha0Z2NDFyVXRQRDZPd0t5RUk1aENLTWNzTHBtY3R0dTdhRUw0UTROU2ZDcU5sa0NrTHdzUzZhSW1zRlpnQlAtdGhZalctYlktZTFrRlUyZXFsLUFQTVNpWDlucFlJZDBsdUx0UkVKcXBJLQ?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6464 (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/0.json (key "6464", 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=6464
- 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