# WEPCO
BLOOMINGTON, MD · NCUA charter 6685 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wepco-6685

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 42,117 members of 164,832 potential (25.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. 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 | $397.3M |
| Members | 42,117 (1.9% YoY) |
| Full-time staff | 69 |
| Net worth | $60.1M |
| Net worth ratio | 15.1% (p89 of band) |
| ROA (annualized) | 1.69% (p94 of band) |
| Total delinquency | 0.84% (p70 of band) |
| Net charge-offs (annualized) | 0.89% (p85 of band) |
| Loans / shares | 75% (p51 of band) |
| Cash / assets | 31.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p77 of band) |
| Operating expense / assets | 3.05% (p24 of band) |
| Vehicles % of loans | 73% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 132% (p66 of band) |
| Vehicle delinquency | 0.94% (p74 of band) |
| Vehicle NCO | 0.94% (p67 of band) |
| Repossessed % of vehicle book | 0.20% (p84 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 18% |
| Average share balance | $4,890 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,226 |
| Loans granted, annualized | $102.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 | net worth falling | charge-offs p90 |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | delinquency 2x band | delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | margin squeeze |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 2 |  | delinquency 2x band, net worth falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2025-05-17 [Dylan Jones Obituary Feb 1, 2014 - Fredlock & Fenner Funeral Homes](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9QYVFZWGZzLXd4Wk13dk94R250QWZjR2NSM0dFZjUxZjdlaWhGZVVaSS1BUjBDOUl5ck5KYkdSQ0tsNmx0MTVjem53WGtmcEotMzljUlpMRE1YTGwwMU5N?oc=5) · Fredlock & Fenner Funeral Homes
- 2020-10-16 [Former Loan Officer Accused of Embezzlement Charge, Says She Was Blackmailed - CUTimes](https://news.google.com/rss/articles/CBMisAFBVV95cUxPOWhYbVdnRmgzem1qcVdpb1k2YlVkUlFINUFBd0RjeUhRbnNmUTV0TG9RN1daNzRCODQ1YjdqY1ZMTGxuSVozeGNpTVBUNUNsRndDMHJmdXJXSWpQVWxxQU1zTmNpZHlJdmcydjBGN3N5WHo4YlVJS2hMelhNandqZ0lGU0xjcUFxZzc0NGhJNU90UDh5OHdnM21VV1BJSDdZaFc3TnZ4MWxMR2EtQWxsSg?oc=5) · CUTimes
- 2015-12-18 [Averey Bridges Obituary Dec 18, 2015 - Durst Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE93Y1lXVTdiYkdUY2R5TVYteURMOEN6NElDUGxZVEkzbUNsQVktS0FVWXRhcW95M05yb2E5eTFDZXo2TG94eWVkRG5Ic2ZiMEpEM1hVdkRlWWtOVFEySmhZNXRqT0ladWJCS1E?oc=5) · Durst Funeral Home
- 2018-12-16 [Susan Marple Obituary Dec 16, 2018 - Fredlock & Fenner Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5lR2hLNWpsOVlZR1dBM2Q4dWdwc3M5bzgzazdENTFZUDJLcVJkQXpVS2M3a3g0eE01RUFDUURFV2oteWwydThWdFNjOG5XVzYyMm5iakVaX2pBamN5YkJGZQ?oc=5) · Fredlock & Fenner Funeral Homes
- 2025-05-19 [Patricia Brenneman Obituary May 19, 2025 - Fredlock & Fenner Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE0yMXlPUEFvVHd3VjFZVV92TkFSSWR6RElVUFBRbHRHVXBFVHNTUUFBLTZUdE1nWXZELW1xTU1vdU1jSjAzOGVXaHY0eVdPMEhMQzl0S2xFN0dvNnNwT01BX1pnWHdvT0I0?oc=5) · Fredlock & Fenner Funeral Homes
- 2010-07-26 [Michael Harvey Obituary Jul 26, 2010 - Fredlock & Fenner Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9CNHNaTHM4aHBhYmtzaGF6VFhrNjB0TTNoOGRYbDRDMkdrRFdUNy00ZXdDWWZQQklYSThPcWgxWE5vWDdWSmNCWEFVUXNmLTR0NF83a0lXUEVvZGlSZW44UUpmdw?oc=5) · Fredlock & Fenner Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6685 (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/29.json (key "6685", 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=6685
- 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