# PRIORITY
Orlando, FL · NCUA charter 67319 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/priority-67319

Who the members are: state charter, organized 1930, low-income designated. 4,456 members of 50,000 potential (8.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 1646.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $56.1M |
| Members | 4,456 (-8.8% YoY) |
| Full-time staff | 17 |
| Net worth | $4.8M |
| Net worth ratio | 8.6% (p7 of band) |
| ROA (annualized) | 0.27% (p26 of band) |
| Total delinquency | 2.64% (p97 of band) |
| Net charge-offs (annualized) | 0.48% (p70 of band) |
| Loans / shares | 86% (p92 of band) |
| Cash / assets | 15.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.29% (p98 of band) |
| Operating expense / assets | 5.81% (p94 of band) |
| Vehicles % of loans | 40% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 299% (p98 of band) |
| Vehicle delinquency | 0.45% (p44 of band) |
| Vehicle NCO | 2.17% (p94 of band) |
| Repossessed % of vehicle book | 0.41% (p95 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 81% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 15% |
| Average share balance | $5,605 |
| Participations bought / yr | $5.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $16.7M |
| Loans outstanding per 100 members | 1646% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $618 |
| Loans granted, annualized | $8.2M |

## Participation posture (from the same filings)

Bought $5.0M and sold $0 in the latest annualized quarter; $16.7M outstanding purchased (347.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -0.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, expense trap, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 7 | losing money, delinquency 2x band |  |
| 2016-09 | 6 |  | losing money |
| 2016-12 | 7 | charge-offs p90 |  |
| 2017-03 | 9 | losing money, delinquency rising, loan book shrinking | loans>95% of shares |
| 2017-06 | 10 | repo signal, assets shrinking | delinquency rising |
| 2017-09 | 10 |  |  |
| 2017-12 | 14 | capital below 7%, net worth falling, margin squeeze |  |
| 2018-03 | 10 |  | delinquency 2x band, losing money, net worth falling, margin squeeze |
| 2018-06 | 11 | losing money |  |
| 2018-09 | 9 |  | auto monoline, repo signal |
| 2018-12 | 9 |  |  |
| 2019-03 | 6 |  | charge-offs p90, loan book shrinking, losing money |
| 2019-06 | 8 | losing money, charge-offs p90 |  |
| 2019-09 | 7 |  | 3rd-party paper>100% NW |
| 2019-12 | 7 |  |  |
| 2020-03 | 7 |  |  |
| 2020-06 | 7 | delinquency rising | assets shrinking |
| 2020-09 | 6 | delinquency 2x band | charge-offs p90, delinquency rising |
| 2020-12 | 5 |  | delinquency 2x band |
| 2021-03 | 7 | net worth falling, margin squeeze, charge-offs p90 | losing money |
| 2021-06 | 3 |  | capital below 7%, net worth falling, charge-offs p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 4 | net worth falling, 3rd-party paper>100% NW | margin squeeze, delinquency rising |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 3 |  | net worth falling, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | members leaving | thin capital, expense trap |
| 2023-06 | 2 | expense trap | members leaving |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 4 | assets shrinking |  |
| 2024-03 | 5 | net worth falling |  |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | losing money |  |
| 2025-03 | 8 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 9 | thin capital |  |
| 2025-09 | 8 |  | net worth falling |
| 2025-12 | 7 |  | assets shrinking |
| 2026-03 | 8 | repo signal, assets shrinking | losing money |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-07-21 [Client Headlines Report: July 2026 - Priority Marketing](https://news.google.com/rss/articles/CBMickFVX3lxTE5iSkxYbjdENGVSNDUxelJldnVHZFdTV19FWXl3MjdXaHREa2xHZFZtY1VXTFB1YTZwalpjVHg5MVVWTFJvMFI1RGRzWG5McVloWDdadV9ZaGNPWWhaczQ3Rm9PTFlzSlRFcGVpbFdoRnV4UQ?oc=5) · Priority Marketing
- 2026-02-06 [N.J. man admits using fake passport to steal from bank accounts - NJ.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOXYzeS1yenFpUS1DTHFVQ1BmdWlEaGI1Z0hhT2JPck8tbHRpZEp3dVlSRWdCaGtFc0pBZnQ0WmQzVWNyUVVPa3gzZWlMOXRFcHZmN2FhSTBhSVp6LTlsLU1vTGJLbmdOQ3ZpT2RBd3JpNjRsNnNKT2ZlRUd5SkhjRVc5WUVEWlAtOEM1dy1iaml6aVdQaF9uME5sSml0Z2_SAbMBQVVfeXFMTTFMZ3diRGdyb2xsYkVyNlJ0Yl8wZjNqLTRwTVFwYWRkb005TDFScU4zQzI1Q0JhUTVjcjE4d0xwdHFpLUFuTERvQVBuZmQyc2pEYUFsanF6VDNoSEtGZmQ1YlgxZ3ZqcC1sclJ4bm1oYzVJdEh2Zlg1eGZCUDFRX1RtcUxIdW94d0oyT09HRlJCanhTM1BpTEs3T1M3SG04bUhJb3lGbzAwYTZXWElQakxyYVU?oc=5) · NJ.com
- 2026-04-08 [3 Pensacola restaurants cited for high-priority violations - Pensacola News Journal](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNc0lla0N1UFZSX2s0RE9VbGxoTDlMSDBsYTNmY1ExS1JnQTNiSjhPbUpibUtEUUQxcER5WGdlMHBSdlVEZ2Q2NHVuY0hsS1VIdmtZdDNmWXVBUWxHUVdzeVJQYnhWQnROQUV2QkEzSlpVNDgxLVZ2ZXcySmpNeC1QcnlQRmNzUGdSS0tFTWR0a3J1eThHbTFBd1d1dzJsOTdWMi1KaTJNeDgwaFVHMkY3YXROcnhuRnNvNXJ2VEJrQWhURkVHa0xYT0xSamtfSFQxWUJR?oc=5) · Pensacola News Journal
- 2023-07-18 [Priority Credit Union named Florida Credit Union of the Year - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxPQm4teUphUFAwUkNJcktvYUVyYXZZYUxVZDBxcHN6R1VVZVB3YmlWR3pTTkdwZ3pGRDYyT1VISTdLOHpQYWM3RjBXbGc2U1N6M3ZnZWFJWlFPUnMxcTVOcHM2ZDk5UkJ6R1VSd2hMbHpfWlhvLWF0S2hTUVNJdGh5c3VoTDlwQ25XcTR2YVlkalg3OXdweEtjbGRtWVNzWjN0TFJn?oc=5) · CUInsight
- 2025-11-14 [This checking account offers 8% — and these 3 have 7%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWTcySVFCRnlwNWJxb25hU2FUU2V3b1Rka3E3cFJXQ2VudmZ6RllKc3RJbDVHelN3d045NE8yenJhVFp2d1czWTFDSkl5M2E4V0Uwc3praHhGRXFHUHJ2SkFYWnR3cGR0VjlNenZKME5TLWV0bmJFbF9iTWpYWjBvYjdEbGlZM2xHZUFyYlVvbGlLemJkdzBKSUlWR0RzeVloWmczTjFVVV9OSVZG?oc=5) · MarketWatch
- 2026-03-27 [Work-life balance is a top priority for Tampa Bay employees - Tampa Bay Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbTFCSmhpdjZHUE80dmR3Ulk2eVh0bXlGcWxNQk90eG5WbjdpRERLR3pMcFpkLTQyQ2ZRLS12NmV1djc5NUpUUjc5TFItSXc4SzhoTkJaRXVHR3hMdVZPMkJIckVCM0Rha2YtMjZkdnZjZWtyM3lMTnNBMVVpVkVlQXR2c3VkTE8zVlg5TEZmelV2QWJXejJTSHFDY3FuS0xubHdzUV9KQQ?oc=5) · Tampa Bay Times
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67319 (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/55.json (key "67319", 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=67319
- 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