# CAMPUS USA
Gainesville, FL · NCUA charter 68391 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/campus-usa-68391

Who the members are: state charter, organized 1935, low-income designated. 162,812 members of 8,921,299 potential (1.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.97B |
| Members | 162,812 (-3.1% YoY) |
| Full-time staff | 459 |
| Net worth | $481.8M |
| Net worth ratio | 12.2% (p73 of band) |
| ROA (annualized) | 1.20% (p82 of band) |
| Total delinquency | 0.35% (p21 of band) |
| Net charge-offs (annualized) | 0.43% (p40 of band) |
| Loans / shares | 96% (p82 of band) |
| Cash / assets | 5.4% |
| Borrowings / assets | 1.76% |
| Net interest margin | 2.94% (p24 of band) |
| Operating expense / assets | 2.33% (p13 of band) |
| Vehicles % of loans | 46% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 253% (p77 of band) |
| Vehicle delinquency | 0.46% (p35 of band) |
| Vehicle NCO | 0.75% (p35 of band) |
| Repossessed % of vehicle book | 0.04% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 90% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 42% |
| Average share balance | $11,820 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $84.0M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $31,066 |
| Loans granted, annualized | $1.36B |

## Participation posture (from the same filings)

Bought $4.0M and sold $0 in the latest annualized quarter; $84.0M outstanding purchased (17.4% of net worth), $113.1M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 12.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling, margin squeeze | loans>95% of shares |
| 2020-06 | 2 |  | margin squeeze |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | net worth falling, loans>95% of shares |  |
| 2022-09 | 3 | delinquency rising | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | loans>95% of shares |
| 2025-09 | 2 | loans>95% of shares | net worth falling |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2026-07-30 [CAMPUS USA Credit Union surpasses $4 billion in assets - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMiigFBVV95cUxQa01iOFdoNmQ0dzVZNkZILVVUTGJSalhTNHdGVW12bUVhNG5ha19VZzVlRWQ3Z1VYUDdHcnFoZC1CY0w2aE5BM0R2ZlJYWVhIYU40QldScldIbUdyRk5qZ0RHNEFtLTBGcUQtak1rS2ZEVzZqNHdQNWdWczNvYVlMSTZxNl96Tlpwd1E?oc=5) · Mainstreet Daily News Gainesville
- 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
- 2026-03-09 [SOCIAL SCENE: CF Night at the Farm - Ocala Gazette](https://news.google.com/rss/articles/CBMicEFVX3lxTFBhT1JiWDZtNjI0QkhDVjBCdzdrTHlKM0dzS00zSVc0VjV4WV9jQUR4bEpSbVhTZjViMkEyaUY2bFhSalRCSGZhQWtoUTdBZnJHcUhjcFcxSjdYUGc2M0hHLXdwSVVVbkZCLVJSdXRWbmU?oc=5) · Ocala Gazette
- 2025-07-11 [‘He didn’t do anything wrong’: Campus USA faces $90 million discrimination lawsuit - WCJB](https://news.google.com/rss/articles/CBMioAFBVV95cUxNT1c1VEVnT3l3Qk5CcUZaTTR5MTFkN0JoUWphSGtkM0V3dVhHYWNaUnN6XzVZOE9HazZnZDZ0VnYyU19XRWROaXUzdWZJZjZCblR6R0pOX09KdU1wNjFZYllpd1k0UnpPX0tWV3FwbVNDUUlaUXNSb3g2cVJQYm12SktNTkN3ZGxXV2RVaXlJQ2ZPdXM1TkVqcDdSZHNnX2pm0gG0AUFVX3lxTFBXei1rd3Rya1M0U3NNQ2tIcWNWNVNYM203cnpwUHIyTHIxRmx4c3NkeVg1bmZrMGZLN25uUTN4S1RTLW95Uk9ZYWNoeGxyMnJQSlFSakh6SmhxVkNGR1BpS09IQ3dWbm5RM3Y4Y0RrMWZMby04WG0xSl9ZNG9haHUteTRVQWg3aFFJbkRKbEt5eGprNkdoZUpvUzZZWU8xS1V5b2dhTlFpZVE5N24yWGxDSThLQw?oc=5) · WCJB
- 2024-10-11 [Dig it: Florida High's Hunter Cook is the Campus USA Credit Union Athlete of the Week - Tallahassee Democrat](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQVXZueFUxYVZnQ2dOZVIwblZ6SGFQVmdLYXJFWV96ODA1a2tlQW1oZGNDU1NXc3g0SkM5Mm1zZjBxVXlKTDcxVXNHeDk0WHVnUE5KZmtxWF8yazJJQ1JlSlBXVGctNER6a1RpMmJSS3E2T3Nyako1NWNxNnVZZGtfUnJNb25lNE82ZngxclRpWng3RFVwYXExb2RwcXZjOW1Kdm9VeUdrTk84Vm5ZMzh6VmVUcXNENkhIRnloSTViQWhmelJlMGRvaG9zSnZJR0RyZUhmNTJjY3hkTjlZWVo1dA?oc=5) · Tallahassee Democrat
- 2026-07-03 [9th Annual Gainesville Indoor Pickleball Showcase returns on Aug. 8-9 - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYW1EMDZsVGJiUHQyZEZDTDFPUTEySjIxd1JYNjlRZkd0VHRBQjhmcGhkUFpkeGtKU2pJVUFtanFqdGFnRWV1T3RXaG11T3lpOHRWZFdmS05CSG93MkpUaWZrUTdfNzc5WkhudTRUaFJyZkhDV1Q4X3dCckV0TktsLXJzOXBVTldMSVZnN0VIY1ltZDBwb1RQWV95MlZQWGFLVW5GNGdn?oc=5) · Mainstreet Daily News Gainesville
- 2016-02-19 [SUV crashes into Campus USA on SW 5th Ave. - Gainesville Sun](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVWhyR3M3Rno4NGVqVlRIQXJtbnl4MTREVU9zWm1yNm83dkN4SVlrbFNMT2RrNVhfR29xS1pvdkg3aGtfaHN5WUpueWYxcXhZZ01jRzcwQXQxR2tmaGZXaUhaelN1S1B4SjFOckNEN0NHV0lTa2V1bTRuWXN5MWtGVFJIZzQ1Y1FuOFdzeE00cDlJQm5QZzAwVDlWa3V3U3pvakFyaWZKejRiV2trNlg4?oc=5) · Gainesville Sun
- 2024-03-08 [Takedown: Florida High wrestler Xander Hawkes wins Campus USA Credit Union Athlete of the Week - Tallahassee Democrat](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNSFpHWWd4Q0NVT05DM1o4bE5GOVZhbTdYTk9TNk0wODVZX3hVbG5sdzVjY0JWeXRUTDhYakFTODF4cmVONkhXODEtQ2tlUzBRcll6YmRxUW96a3BBVUFnUDhVbHdNQjdNOWVGWF9GUG9DeV9oUV9EakN3RFBYclZzRC1JVmhfUlo4M0l5MTlTTVFXTWNWWlc3NG5kRlFVckZ6aFlkeHJQTXhSU2VWZzBvdkZBRDNqazhkazRNMWNEWTBBM0RGbXZqdDh2WjU3eFc4SWxGUTU0dnNLdw?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68391 (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/39.json (key "68391", 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=68391
- 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