# LATINO COMMUNITY
Durham, NC · NCUA charter 68430 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/latino-community-68430

Who the members are: state charter, organized 2000, low-income designated, minority depository institution. 125,782 members of 360,000 potential (34.9% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.05B |
| Members | 125,782 (-5.4% YoY) |
| Full-time staff | 316 |
| Net worth | $250.2M |
| Net worth ratio | 23.8% (p100 of band) |
| ROA (annualized) | 0.67% (p47 of band) |
| Total delinquency | 1.34% (p91 of band) |
| Net charge-offs (annualized) | 0.51% (p50 of band) |
| Loans / shares | 114% (p99 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 12.63% |
| Net interest margin | 4.57% (p98 of band) |
| Operating expense / assets | 4.44% (p95 of band) |
| Vehicles % of loans | 20% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 3.09% (p99 of band) |
| Vehicle NCO | 2.06% (p85 of band) |
| Repossessed % of vehicle book | 0.33% (p92 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 27% |
| Certificates % of member funds | 35% |
| Average share balance | $3,544 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $18,752 |
| Loans granted, annualized | $153.6M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares | delinquency 2x band |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | delinquency 2x band |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 4 | net worth falling, repo signal | delinquency 2x band |
| 2018-06 | 2 |  | net worth falling, repo signal |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 3 | margin squeeze |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | loans>95% of shares |
| 2019-12 | 2 |  | leaning on borrowings |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | margin squeeze |
| 2020-09 | 1 | loans>95% of shares | net worth falling |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 1 |  | delinquency 2x band |
| 2021-06 | 2 | delinquency 2x band |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | leaning on borrowings |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 3 | net worth falling | delinquency 2x band |
| 2023-12 | 3 |  |  |
| 2024-03 | 6 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2024-06 | 3 | expense trap | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |
| 2024-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | members leaving |  |
| 2025-06 | 5 |  | delinquency rising |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2026-04-20 [Changes to allow immigrants to open bank accounts? What we know and what experts recommend - Enlace Latino NC](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPVEtFOFRMaUpILVdyRlRCNkRpRnRCVjREdTZnS3RKdFdxNzhHVERNN1JCUjEwQnZMaFpKb1RXclYtTmNaMnZSOTAta3RiMHVVN2R0WHpQNFJoTHc1WEkwVTJ2dFZKZWpMTDVrRVI1UEhRTEpIY2VPYjRsYXd3ak1BcXBrNGtkUWs1TTV2QlBmWnRPWGFrdjVtSUVlR0dpc1kxeElRdjZoZXhsUQ?oc=5) · Enlace Latino NC
- 2025-09-04 [Latino Community Credit Union opens new branch in Fayetteville - CityView NC](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaGZIRV9vR3RVbnJUT2wzT1BtQmdGanJiRUVJMWJ4OF84ZDZoQUk1RktnLXNTUm5xaDlyRE5haXNucGx5RDBWSHZVaTV2UmY4VnVWZ0xzd0FGOG9zYkRRR1VtTFVfRHg5RTBGZmZwdGtQcUNjOVByNm9YWWctNDlQZGJXZTdQLTVqM0l2cUJGN2oyVU9tS1ljYjk2Y2pRUUph?oc=5) · CityView NC
- 2025-10-02 [Governor Names Advisory Council on Latino Affairs - NC Department of Administration (.gov)](https://news.google.com/rss/articles/CBMiogFBVV95cUxOS3JXdUZHMVpwaFdhRm1xdFJJNkp3ZnZrcWRtdnU4NXQwa3BUZ2l2RHNnT2RWWnJpelhiX2x4RjhZZzVuMHpZelczX2tvWjRoeEs3WGl5eEVDa25xSi1SV1NVTUVCOEZJYjN3NEI5WVpyXzNLS2ZyeExfdHZ0M0pLVjdBT09ocUF0SGlaZk1NcWE0Qm9aWDhQTWRTX1pEVktCdFE?oc=5) · NC Department of Administration (.gov)
- 2023-09-28 [How Latino Community Credit Union is making more loans available to low-income individuals - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVlJQTEl5c2kwbWd6a2QzemRpZGI2Uzhfc3IwdkpHNU14ajlLQWJqMnl0eVk0TElGVmk1V3dvczZXU3lrc2ZMNGhuS1h1TDdSeFhHOEpFeWs1SlhKV0ludEYyWTRzOERobGtiZ0stWWc3aXNjbVFybHVsUzlaaGI0LUNyX0RDNmRaMHhidGI5VXNxWmJJdE96NzQ1N3lwamdNd3hKbG1VWQ?oc=5) · The Business Journals
- 2026-01-16 [Need help paying your DACA renewal fee? These are the organizations that offer loans. - Enlace Latino NC](https://news.google.com/rss/articles/CBMickFVX3lxTFAxNjBqQUk2ZTZJWUVWUlMwMHJILThoWXUtQ3pMN1ZGYVVJMWRta2Vhczg1aUx2TDFyWi1Mdm5wYXB0cXQ0RUI4N0JWd1E5Q19SUG40TTBxYThWX18zeWRvbHB0QlM5V1FVN1lkbFIxVDZzQQ?oc=5) · Enlace Latino NC
- 2023-02-01 [Vice President addresses importance of small businesses, community lenders - Elon News Network](https://news.google.com/rss/articles/CBMieEFVX3lxTE5TZGRJejdmc2c0TUpxX0EyZE44SUFjLUtpd012eVJZOGZOQzh2M1k4dllNSkFULV9vYU5haUxQSU1ha0hiRVZUblYxeFk5c0JneURNbmZMMGRNRTRhTzVGRngzUXQyVWVZNl9UVGpHRUlrNVg2UFptQw?oc=5) · Elon News Network
- 2023-01-30 [Vice President NC visit | Vice President Kamala Harris visits Raleigh to tout small businesses - ABC11 News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQdnp6SnVDZDVOR2VwSFlxT0REcjNpbnRUNk1lSDByWm1NYWhtNV9faXN1bThXQW5XRVQ1bC1Kc1pKSUNzUl81RXVRejlNWnA4ZVNHVDNwOW56OFdvMFlZX3dpbktUQ2R6VmZXUmFXRHRYcWpaZDZLSnl2UFp4QXVhbG1uYU04clJkYll6cUVsM181TnhHMlplMTNWY1NXeXNa0gGmAUFVX3lxTE0xWXJlUW9lS1R4ZXZIdThIeVBudG1OdnZWZ1pYcERBQjZaaFRBOEE2NVB4NWlsQXJVYnEtN041MW5MeUt2ODBtRVB5RXBBN1NfbC1BY0FOdVV5dWtJOEt5SmdlaWtvZkY3eERQYVNtcGJJWjlGRUx6NTdhWUpKZkhUSlBOR0ZCQ1o3NGotODVhLTVNUHZETElrb1M5Y3ZDTS0xTUtPX2c?oc=5) · ABC11 News
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68430 (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/14.json (key "68430", 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=68430
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide