# LOUDOUN CREDIT UNION
Leesburg, VA · NCUA charter 66954 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/loudoun-credit-union-66954

Who the members are: state charter, organized 1978. 5,351 members of 436,347 potential (1.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 71.

**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 | $57.6M |
| Members | 5,351 (0.3% YoY) |
| Full-time staff | 9 |
| Net worth | $4.9M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.13% (p19 of band) |
| Total delinquency | 0.87% (p67 of band) |
| Net charge-offs (annualized) | 0.28% (p53 of band) |
| Loans / shares | 35% (p9 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p56 of band) |
| Operating expense / assets | 4.13% (p69 of band) |
| Vehicles % of loans | 36% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 21% (p69 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 0.20% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 14% |
| Average share balance | $5,899 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $793,887 |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $4,905 |
| Loans granted, annualized | $4.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $793,887 outstanding purchased (16.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -4.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | thin capital |  |
| 2018-06 | 3 | delinquency rising, members leaving | thin capital |
| 2018-09 | 4 | thin capital |  |
| 2018-12 | 5 | net worth falling, losing money | delinquency rising |
| 2019-03 | 4 |  | losing money |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 |  | thin capital |
| 2019-12 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-03 | 6 | thin capital, repo signal | delinquency 2x band |
| 2020-06 | 5 | net worth falling, margin squeeze | auto monoline, delinquency rising, loan book shrinking |
| 2020-09 | 3 |  | members leaving, repo signal |
| 2020-12 | 5 | members leaving, auto monoline |  |
| 2021-03 | 3 |  | margin squeeze, auto monoline |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 1 |  | members leaving |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 4 | delinquency rising, assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | thin capital, 3rd-party paper>100% NW |
| 2024-03 | 2 | thin capital, losing money | delinquency rising, assets shrinking |
| 2024-06 | 4 | net worth falling, charge-offs p90 |  |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | net worth falling | losing money |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 | delinquency rising | charge-offs p90 |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | delinquency rising, assets shrinking |  |

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

- 2026-02-26 [Loudoun Credit Union Relocates to Downtown Leesburg - Town of Leesburg, Virginia (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTE83bFhjbjJraXZZdHlHOUljUnFiQmkzREowblg4OGVxTndubE1RYUp6TUFpVkE1RS1oaXZ0ZU5CU1ZjR0p5NWNBUEg2My03UEN3REtrc1NYOWtUbmdpQm9UYkxiYURwcTBuQnREYlR3dWM?oc=5) · Town of Leesburg, Virginia (.gov)
- 2026-03-04 [Loudoun Credit Union opens in downtown Leesburg - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNM0RlcEJsdTFnZEU0dkRVd2tCYXBtLUwwOWM4OEFEXzFOOGxtZkJ0aUNrSEMtVjlZc2p4SHc2YlVYSWJPcWNXcjE3bEZIeFdLT0pSaGlUYThGTG9MSkRFdVp2ZEFxNXY0a3AtZHBsVEVLaGtXQjJEUkNER1RmS2R3bVhHWXl3cnBubjFnTkFOb2o1djQybEtsTUtIQnVSX3FNbjg0bEE3S1oxeGpDcE9wODFYSmxtV3NEMEhwem14enZrMm82YXFuME40TGNhZFZFRDFDMmMycms?oc=5) · Loudoun Times-Mirror
- 2025-12-16 [SEE | SUV crashes into real estate office in Ashburn - WJLA](https://news.google.com/rss/articles/CBMitAJBVV95cUxOTEhfNmtxZFpTaFVYanBpcXlCOWtYMDB6RE5ackVBQXFMa1RGM3hnd285dElnN1F2OG5WUUdhOUtDRmlfbURXT0FzWTY2V21xU0JQTEFWY1pDZEt2WkFLeVI1RUlUemtPN29TWGVpNUlVQ2U1YWdVY1NwTVlway1VR1QtUThaOVUyM3MzWEJLNVA2RjFOTTBfdjQzdDJqMDdGZUJ3cTVhamROeS1lTWRHRWR6d2NuanZYbGhfNDU0bjlxcll4ZmQxTlktNGlWQjNiVUtVVnVjMHZfeVlhYWh1cDRmQVoyRmxvcGlZSnYxSjBuOTdkMXUzVS1hMXBLVDk3TV9Vc0tlNk5CMmRWSjg3TmlpZmhyYXN5MmhuN3MxeWJiamlScEIxXzFyN04wVzJ3eVUxYQ?oc=5) · WJLA
- 2026-04-06 [Flower & Garden Festival Returns to Downtown Leesburg on April 18 and 19 - Town of Leesburg, Virginia (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTFBmdGx4U0pmdjlFMHhJa1o4YU9OaEp2dzNuMDRpeGFJOU1yRi1TOFR6YzdoLW5mcmp4QjcyRV9hb0s3YTVYY0pnV084UElMWmdlaGNWTXc1aXlXbjFWc3VCVWJyYjNKQk5xcG1Ba3N2QmU?oc=5) · Town of Leesburg, Virginia (.gov)
- 2025-04-09 [Loudoun Credit Union returns to historic downtown Leesburg - WTOP News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZ3lfb2otVUQ5bTJDNkNYdzI5Mk5fOTZVOWVLYjBkbGs0YS1TeXYtZV9JZktfMklCS1ZFUnFYOXBFVHpFOWVLc0s0bDNoUEYxZWh1VzNKNkxGclNqWTR5WEZjVGZnUlpFX0NHMFVyeVdFNGhrRGhpVWlOY21NV3NNMjUyTy1WMWxzQ0JaZkhNX1QzcnhzSWFIam80VGh1NVJ1?oc=5) · WTOP News
- 2025-04-07 [Loudoun Credit Union Moving to Downtown Leesburg - loudounnow.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNM3NmYkR0TUItV2VwZ1h4Tk1sdU1UZEEzSUstT0kybkNUYjhXYW55djRrNFRoeVVNUTZhX0ZBREFRQlpBRGxkWFcxZkZxR2c5Znc0Zlhzdkd1SmctZ3VBYWhaMGRwODltOXhKZ3lWaHNGWmxwQzRNZlNOSFVXZTNCSDVRVTFQM3l2QjlMZjNDZGZEa0YyU2djRDdrLWY1Rl9KR3owYkp6QjFyVlMteXRuYzNiSEZ6VGJrZ3BoQlEtNFVPNkFUMnp3T1Z6aFBVT0E?oc=5) · loudounnow.com
- 2020-06-19 [Northwest Federal Opens Branch in One Loudoun - Business Wire](https://news.google.com/rss/articles/CBMipAFBVV95cUxQanhIbXNEOXRtLTU5eWVzVGxlT1pidXA1cTZWTTItNndNemJtR2NPUjBZbDZxM3BaRk05d1BXUXFkSlAybGVLWTRkakk5Y1JiUE1mS1lnSGFkX1lCOG00RGo2N2dEcXFSV290RjRhTlpvc0x4alNjVzV0NHR6SDFMQ2ZqbEFpQnhINWZDRDM5N1JhSXRWRXR5X1Q4bzh0aTBHT3UwNA?oc=5) · Business Wire
- 2025-05-22 [Loudoun Credit Union Celebrates Downtown Move at Annual Meeting - loudounnow.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxONmVGMTRsUzJTV1ZQYlU3ci1oQnNQVVQtWmFqbWhjSENPeDl4VnYzRmFlcWNnUEZQLXFLakhmUGpiMTJOcWRsLUw2YXFVWDVoUWNJUENLU2xVcTIwaVFneFBlcFF4NmpxakRoQ2lKaWdBbEVJSGRySVVyVERiM0NDR3E0QjdoYlBxdlg4NlJZN3ZoVjFqZlNVRVdhZERWNUU5Wm5sd1o1aG1qeF9sZGVHTWFvOFJELU1CRTlqSC11dGd4dUdRTTBxck1uSkZKOVhEUnpYY1VFUU8xYWNJd1E?oc=5) · loudounnow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66954 (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/10.json (key "66954", 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=66954
- 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