# EMERGENCY RESPONDERS
Winston Salem, NC · NCUA charter 66354 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/emergency-responders-66354

Who the members are: state charter, organized 1940. 3,380 members of 6,000 potential (56.3% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. 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 | $29.9M |
| Members | 3,380 (2.1% YoY) |
| Full-time staff | 8 |
| Net worth | $2.4M |
| Net worth ratio | 8.0% (p5 of band) |
| ROA (annualized) | 0.58% (p50 of band) |
| Total delinquency | 0.81% (p57 of band) |
| Net charge-offs (annualized) | 3.41% (p96 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p70 of band) |
| Operating expense / assets | 5.36% (p84 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.08% (p66 of band) |
| Vehicle NCO | 2.99% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 30% |
| Average share balance | $5,135 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $14,042 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)

## 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 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2019-06 | 4 | members leaving |  |
| 2019-09 | 3 | net worth falling | loans>95% of shares, members leaving |
| 2019-12 | 4 | margin squeeze |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 | losing money | delinquency 2x band, delinquency rising |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | delinquency 2x band | margin squeeze |
| 2021-06 | 2 | delinquency rising | net worth falling |
| 2021-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 2 | net worth falling, delinquency 2x band |  |
| 2022-03 | 4 | delinquency rising, members leaving |  |
| 2022-06 | 2 |  | net worth falling, delinquency rising |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking | members leaving |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | net worth falling, delinquency rising | assets shrinking |
| 2024-03 | 3 |  | net worth falling |
| 2024-06 | 5 | margin squeeze, members leaving |  |
| 2024-09 | 5 | net worth falling, losing money, charge-offs p90, loan book shrinking | delinquency 2x band, delinquency rising, margin squeeze, members leaving |
| 2024-12 | 2 | delinquency 2x band | loans>95% of shares, net worth falling, losing money, charge-offs p90 |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 4 | expense trap, assets shrinking | loan book shrinking |
| 2025-09 | 4 | delinquency rising | expense trap |
| 2025-12 | 2 |  | assets shrinking, delinquency rising |
| 2026-03 | 3 | thin capital, net worth falling, charge-offs p90 | delinquency 2x band, losing money |

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

- 2026-04-01 [Local Fire and Police to Faceoff in Second Battle of the Badges Benefitting Local Nonprofits - YES! Weekly](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZGViLWhBX0VnVjd3eVRUYjU0aUJ0QU9SMlZ4cUd4NmNlMVJRWEdtNFdEdTBmOC1ieTB1TzN1Yy13NkdGRlNNWk4tRHNYSkFKUnVPc2NVWThtYjdOR3Y2Mm45YThDQ2ZuUlhRamlmSUhEZ005SU9Kb3ZBS1RmUU9ySUVXdlhWM1BXUk8temFNc2JXNTFfY05ibHkxNXB6dURxZVc1V05jdHJ5RDBqTkF4NkdZcFo0T2FTWFpCdWVMWk4takVHYi01NDdwRTEzZUc5LTh1M3JOWHFJNkJINnp3bEViakN0WmNWclJ6UUg3QTcwV1pPNWpNaWZ0VkVpa003Z04w?oc=5) · YES! Weekly
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2018-03-22 [Michael Harrold Obituary Mar 22, 2018 - Hayworth - Miller Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE84RjRDLXlpelZTLVdHby0zY2VmZGJiRmlaaUFkVHpfOXdpV09ZaVM0S0FsTk53ei1IQ3N6MW1aekN4bkVMSmNxUThxWXQ3NEJFaEx6VHRXdm5VTmVFVzNJOWNwS1pzWUE0NUE?oc=5) · Hayworth - Miller Funeral Homes &amp; Crematory
- 2025-09-11 [Jason Everett Richardson Obituary Jun 7, 2016 - Davidson Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE9ZeGZDY19xMEE3NmN0QU10NkJwb2hDZzg0VFlIbVdQWExxT2s5YmY4RURwRTJVajQwY0E3R1h4MzBGY3JOdVpQVlB5SXdlclBjZVdUa3JoSVVQUjVLV2NtcjVFYUZ3c3F1WXUtcVhMWmQ?oc=5) · Davidson Funeral Home
- 2024-03-04 [Jewel Rayfield Henley Obituary Mar 4, 2024 - Hayworth - Miller Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE55SXR3d01HMlpweElWbHhHbHU3LVBBdm5yVC1YdDBtbDVzNWF0OWlsWFpWVVloQXpmaTg4amFycm1TWkhSWmpEUEV6MXNETjVHWlcwRXZUOVFQVEtEUkpTaHdQQUtkUQ?oc=5) · Hayworth - Miller Funeral Homes &amp; Crematory
- 2016-10-06 [How firefighter credit unions can increase your savings - FireRescue1](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcWJELUZJN1NIQzhzMk12WXV2RVhOMTdwTzc0NW1YcEgyc1FWQ3kwZE1xTXFqSjVXdWNqWndhVFhvTV8tcUF4YnlCRTdTRC1nMDRuZS0yeF9SbThSVmtvZUctVnFRMElGNXdQYThSYlZYTzZ0eU1iQXg5djVEVGtYSFlxa1lrNzk4aXR6T2lhVk1XWEp3NWxKNWoxcC1fZENfQjR6cTNlQk1IdVlaQjMxUFNMWUFfOGprbGV4V2hxRWpTVktQNnc?oc=5) · FireRescue1
- 2023-04-23 [Amber Wilson Obituary Jul 7, 2021 - Hayworth - Miller Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1IZ3pEUi11a1NBZjRjeWwzOVl3bzNtbkx3eHJ3cVpqM0JJLUd4dEZzcjk1QmM5NVFCWExDRVEtTFZROUo2aGF4bkxXYXhKMUtNRXlhYlRKMmtYZ0ZOeUN6a1ZqZ0NHQQ?oc=5) · Hayworth - Miller Funeral Homes &amp; Crematory
- 2016-10-03 [The best firefighter credit unions for auto financing - FireRescue1](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb3JxS0txaTZid0JER1IyUzB4Y1FSREJsOV9NZkhqb1lLaDIxeDY1ZmRUVjNYUkNZZGVOS2Jzd2NxWDA5QnNfSEdaR2VITC12aVoteXUtTUg3RUs2YzJoWnFTTUNGNU1SZnpfQ0JfazhZTzdYWlhwMzNzVjlLT1dYdWpFblJHSzBHb2ViUm12WlVFMkJGQWdFSG9CTEZ4b1RVeWhPcDJqcW1KcTJBQ2JUSDhuR2ZxZlF3R0lVSTVSa29xWHc?oc=5) · FireRescue1

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66354 (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/50.json (key "66354", 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=66354
- 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