# UNIVERSITY
MIAMI, FL · NCUA charter 67348 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-67348

Who the members are: state charter, organized 1947, low-income designated. 16,134 members of 2,802,029 potential (0.6% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $233.4M |
| Members | 16,134 (4.7% YoY) |
| Full-time staff | 38 |
| Net worth | $24.5M |
| Net worth ratio | 10.5% (p37 of band) |
| ROA (annualized) | 0.22% (p17 of band) |
| Total delinquency | 0.19% (p11 of band) |
| Net charge-offs (annualized) | 0.44% (p55 of band) |
| Loans / shares | 50% (p7 of band) |
| Cash / assets | 24.3% |
| Borrowings / assets | 2.86% |
| Net interest margin | 2.68% (p7 of band) |
| Operating expense / assets | 3.06% (p24 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p19 of band) |
| Vehicle delinquency | 0.17% (p13 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 133% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $8,544 |
| Participations bought / yr | $26.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $43.5M |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $30,673 |
| Loans granted, annualized | $30.7M |

## Participation posture (from the same filings)

Bought $26.5M and sold $0 in the latest annualized quarter; $43.5M outstanding purchased (177.7% of net worth), $2.7M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | thin capital, members leaving | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 0 |  | thin capital, members leaving |
| 2018-12 | 2 | delinquency rising, members leaving |  |
| 2019-03 | 0 |  | delinquency rising, members leaving |
| 2019-06 | 2 | delinquency rising, members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 4 | thin capital, net worth falling, losing money, members leaving |  |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 1 |  | members leaving, net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | delinquency rising, leaning on borrowings | thin capital |
| 2023-09 | 3 | thin capital | assets shrinking |
| 2023-12 | 2 |  | thin capital |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | loan book shrinking | delinquency rising |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 | delinquency rising | leaning on borrowings, loan book shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-08-31 [Addition Financial Credit Union and Florida A&M University Announce Partnership to Support Student Success - Florida A&M University - FAMU](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQcFpTYTRWNEZtWVI4WXR6THNKQTM5SGlBNDA1U2NOWHNTWjJPTDIxMUE3X3RDVXhNNjlqZUI1Zmo1UnE5eUc5OGRMamxXbDJCdzdfYmR2VDB6NXhoakpSMjJuVWdxR0ZKNkZCU0Q5bkI2U2g3R2xsSlphbHR3TkRmLV9FQl82eVBUR3hVNTE0d29MWUdGRkU5WVdYaldlTl9lVm5TSlVaZFZjdkJlOXM0S3ZxT3ktS05Zb29obFZsUmlZNVVLdS0tTEozUkd6dUREbnc?oc=5) · Florida A&M University - FAMU
- 2026-07-29 [UWF to announce major commitment from PenAir Credit Union - University of West Florida](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRk9sUmNWeU9reXE5cWtHcG5ZeGRTMkNBenJXSXVJdG1ZdC16ZlRxMV82Q0Mzdk9yNG5VVXJXNWREV05NWG52OEVZMVltMS1IWlBDM2pvRkhWZS1lWGlwRnBwN3RzdFF5S0M0LVVQR1hGX01ZcDBOdkc4OVhMUDFOb01qYTJvZw?oc=5) · University of West Florida
- 2026-06-09 [Southeastern Credit Union Appoints New Chief Financial Officer - Valdosta Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbFZDMlo3MnBHQ3VPN3NNUFlZenNacU1QQ2E1OEJYZUtvTncwUEZDN2djNzFjR1hHSEg0aXdGdi0zZjJkcXItN3hkOUxSbWVzaWZnOWpkOFpKNGNwVnJqV05Wc1lUa3lxd2VaUXZoOV9OaV9WbHpmZlJlYnMtbmp4OFhITFhsQ25VX0N0R2hxVXdhd3Y4TlUzbTVaMDJfWEpzdmVPTURYek0tQlJfWEhF?oc=5) · Valdosta Today
- 2026-06-09 [Curaçao Community Training Event: Fan Information - fausports.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdW1jejJMTlVPNS1PS3JydjBKNXRKcEQyTnV6dENkNTVxTWVvT19MdVVSODV0My1FbWJ3OU5DNnZ5ajJvM1dVRGkzX3ZFQkJyZF9ncld1REVMWkh5YTRsMlF0Qm9UWXhyTjlLME04TUJoeE5QTWFYQ0hfaHBEUU1YSHpRYVRnSC1kRzJGR3F6dWJlSzBjTVJj?oc=5) · fausports.com
- 2026-08-14 [UWF to announce major commitment from PenAir Credit Union - uwfvoyager.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdG5vcGhxcTNYNHZNUmhyQ20wSksyRlJtTURKYnluRkQtVnNhOXZWUk9nU19EdnJseVl1Y2p1YmJyMndmVW53ZjNnMnc5SWpmanQxbkdXNTRKLVQ4c0pJcVItdm4zZ1JMRWdoaFJVUHdreER3N3VaMzdkNkhkY1N3a245ZU03M1Noa0Q5bU54ZkduUUJCenc?oc=5) · uwfvoyager.com
- 2026-01-08 [The Best Savings Accounts in Florida for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMid0FVX3lxTE93NVdUb0t1enAzT1Z5MG1WMHFvb0VkdUhZY21MalNzcnROanlwak1kWkhrUDBZbTdwYWw0cWg1UlNRaGxlMDFfV01mWVNERHZxV0V2RGNQSGQ1SUJFZjN1U2hESURBRnVKMFZXdWVlYjVZcGhvelpN?oc=5) · MoneyRates
- 2025-10-10 [Leesburg community celebrates grand opening of Campus USA Credit Union - Daily Commercial](https://news.google.com/rss/articles/CBMigwJBVV95cUxQc2szT19oYmdlTlBWYWpfbTR1akYwTFZNeWR1NGphTzJzR3kxbWVCcTNtVVFQekQ2YzVrWUlLNFZqendJMnJqUm9KeVBsM1cycnprTW9Ed0VlRVNSMExVWTJPWS00LWhUWnNqRGJGVXJFSlpBalNTX0tpM20zYTF3R295RE9jeWdrRFNsb2hZUThwSFBtaTdraW5nVmZuT0NrMElaTkVyUklPSXFmR2ZUQlltb1VreUstamoxWnBJYTZqU25qbUlkY1ItYmdpcGxtcmxCYk44ZGY4TWRrN3ZGMC1KX1FnR0xKa2hWd1NBNXd1YVRlbEVOZUdjNko0Y0JCSWc4?oc=5) · Daily Commercial
- 2026-05-27 [Initial Football Game Times and Networks Announced - fausports.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUnVqaWx4bkhOUEptMnB2cklCMDVhX3RWLW5PSTlfMTZqZ3Fyc3N2bXBlbFp5WUtGd0psaEhtcHhEYzBCbTNjdmJiY1NLSTY3TC1ielZRTGE1RXhVaXFiWE9NaUtpS0tHSkVGTVVWRldHMVE5Uk5WdmpiZTk2RU5kbjRfQm0xSnJRVExRUlppeTU?oc=5) · fausports.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67348 (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/20.json (key "67348", 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=67348
- 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