# ENTRUST FINANCIAL
Richmond, VA · NCUA charter 68612 · asset band $50-100M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/entrust-financial-68612

Who the members are: state charter, organized 1970. 9,865 members of 1,282,066 potential (0.8% of the field); checking penetration 88% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $77.4M |
| Members | 9,865 (-6.7% YoY) |
| Full-time staff | 20 |
| Net worth | $6.3M |
| Net worth ratio | 8.2% (p11 of band) |
| ROA (annualized) | 0.20% (p20 of band) |
| Total delinquency | 0.52% (p47 of band) |
| Net charge-offs (annualized) | 1.14% (p92 of band) |
| Loans / shares | 62% (p43 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p77 of band) |
| Operating expense / assets | 4.55% (p80 of band) |
| Vehicles % of loans | 29% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 120% (p78 of band) |
| Vehicle delinquency | 1.24% (p82 of band) |
| Vehicle NCO | 2.07% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p34 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 16% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 10% |
| Average share balance | $3,559 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $6,680 |
| Loans granted, annualized | $13.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising, assets shrinking | losing money |
| 2017-06 | 4 | delinquency 2x band | assets shrinking |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 | assets shrinking | delinquency rising, delinquency 2x band |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | members leaving |  |
| 2019-03 | 4 | charge-offs p90 |  |

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

- 2018-09-11 [Two Virginia credit unions plan ‘out-of-market’ merger - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxPS2VTYjV1R1kzaHJlVEpjTU9HZS15bXV5SmlrMG9DTFZjcDJ1RDVyVVRpWXVITWt5Mzc1ZDFETVBVUk50TVlBVUJDU3BkdjJJRERlTzgtSkFTcDlEaTVmbnJINXQ4YlFwSm5ZNmFCN2xycUwxZTNWRDlBYm1ZQ0NNYnRFaE5mb0xYTWFyR3d1Q19iUWZqekNwNXdoTTN3TWdMTzdB?oc=5) · American Banker
- 2013-04-08 [Obituary information for Susan Adams - blileys.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFAyWEVtTTdsVE9HbVpQZTE1anBZdi1jQmV1WWdUWVlzZG4xTXdrUjh1SGwzSTJrZWZJWUVlNnJqLVFGakpkczdiM1dCb3ZMc2lnUG8tT0RGa2dnRTFmekdYR0QzY05jdmFCU0RB?oc=5) · blileys.com
- 2021-03-08 [ValleyStar names interim leader after CEO takes new position in Fla. | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNUUFXbC1LMkk4cENZbVhaa2JSTTNDZU44X0hkY3YzTXNEakNCREVsR2xGNUhJWXlVNzF2REtHdlZWTTUxVWdJeTdnQWZLMnhPcl9URVpnVEQtSUJETHVFcGpwdGpRejVQcU9jcGZqd25HOUh0NTQycVpwN0E0WjZXZVZDSnZFY25mbW9lOEdZSm1qZkl3QklLX1UzeTZObENucUc4VDhuZFhIQm9UenpZTkEtTXVLMmM?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68612 (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/4.json (key "68612", 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=68612
- 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