# BLUE EAGLE
Roanoke, VA · NCUA charter 68629 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blue-eagle-68629

Who the members are: state charter, organized 1948, low-income designated. 18,866 members of 602,854 potential (3.1% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $266.5M |
| Members | 18,866 (2.3% YoY) |
| Full-time staff | 66 |
| Net worth | $35.0M |
| Net worth ratio | 13.1% (p73 of band) |
| ROA (annualized) | 1.40% (p88 of band) |
| Total delinquency | 0.03% (p1 of band) |
| Net charge-offs (annualized) | 0.43% (p53 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p76 of band) |
| Operating expense / assets | 4.19% (p71 of band) |
| Vehicles % of loans | 42% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.06% (p6 of band) |
| Vehicle NCO | 0.59% (p48 of band) |
| Repossessed % of vehicle book | 0.02% (p56 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 38% |
| Average share balance | $5,794 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 37% |
| Average loan balance | $11,538 |
| Loans granted, annualized | $145.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | expense trap |  |
| 2017-12 | 0 |  | expense trap |
| 2018-03 | 1 | expense trap |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | expense trap |
| 2019-09 | 2 | expense trap, members leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | expense trap |
| 2020-06 | 3 | net worth falling, expense trap |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | members leaving |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | expense trap |
| 2025-03 | 1 | expense trap |  |
| 2025-06 | 1 | delinquency rising | expense trap |
| 2025-09 | 1 | expense trap | delinquency rising |
| 2025-12 | 0 |  | expense trap |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-11-03 [Northside Middle School teacher named October recipient of Education Impact Award - WSLS](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNUEVncXJMbEJZa0V0VWYwcXd5YW45Qi1NNEhHS0JBYUlyZm1xd2pYVWppRnpxWDVwOHRmUnkySk9pclFjTi1GQ1JWYll6WkJuODhDbmRqYjgyQl9nbG8zanFLY1RuSElKNF9reXk0RmNKdWxVemY1YkNwLVBzX0I5dlByelBOMHlmc2lhdVg4NmxKQWN5Ml9pUVpfajRxVzdDR0ZwRk9UdS1WcHpabHJRdUtXOHpwc1pzbDAzSmJJUjFpRjg?oc=5) · WSLS
- 2022-12-12 [Art with heart - Roanoke College](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9zZkI0YnJNRkt2dzhib2Z2V0tzSGVqNVBoWmtYWUNoSW03Y0g1YjhKZ2tva1d5dWdDejZmdHE1R2xfMWpFSGhfNGRfRGxNRGVtZUdSS2ZpLVZSQ1Rf?oc=5) · Roanoke College
- 2024-01-18 [Sydney Hepler wins Education Impact Award for December - WSLS](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcjFTaEFZQU1CbXcxX0JNNUtCN1hwSTdaUnJlNHpJWHk4cGZzZGFlSEtBaW5CM2RUTF9wbjB5UnlmNkx2eS1TS1hwbjEtNmhJN290S29ObWJfdzNZRnZIaUZpb1pSd1dSS2JvN3VRTUwtQ2VlMmRtaktRR1p2c2JMdzdpZDByaUF4NHMxcEZOdVI3c0l2ZHQ1TjRTZnEzdWM?oc=5) · WSLS
- 2024-09-10 [Barbara Carter Obituary (1949 - 2024) - Roanoke, VA - Roanoke Times - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTWpuQmhiYzk0YVJLZjR2QnRfdV9uUGdsZkhMQXItOHp3OEVFaGZkbFhBUXgxdk9nWkR5dnZBYzE0elpEVF82V2RhbmpqOHMzM01oczI3VXIwc1VJOXQwOU5uMFNGUG9pZXVMR21MM0VKTm1LMk5GR0I3N2FwTHNWRzV2cFozM2RTM2xFOEVR?oc=5) · legacy.com
- 2024-08-01 [WSLS Education Impact Award Nomination Page 2024-2025 - WSLS](https://news.google.com/rss/articles/CBMingFBVV95cUxNUzBjeVZEVTFDQlptYjFsY3h0VFRuRUxkWUppNlRwZU1EZkNfMFFidWVuR2NTcmFNY0k5c1VJLTdicWpxVHdoWnc3Z0RpTmlrUHVscWxCZV94SjBoZUYxb3hFWjlzSzA0TXJZckJDMW9XV3JFOVNIdmJxNjZlckZPYjVQV1BPVzR0LWJiNXljUm5UWk1xbFFHYjd0N3gxdw?oc=5) · WSLS
- 2024-03-21 [Moir Hill wins Education Impact Award for February - WSLS](https://news.google.com/rss/articles/CBMimgFBVV95cUxORm5BQXNxbzlRTEtuaDVsSGlYOXk2RjRETlI5elJQN0pfcEdPdGQ0WFE1bTR4LXduYkRGNG43dTZLQ3FDLWoyUTdPV3Q5NkRTQW5Mb3RpSVdRMDdKRW8wZkNrTTY1T21SUm1BcnZiYWN5VzRlbGEyV29jMktUZVB6aVFqSExrdWxWa19DVjBqbEl2eEFqTlJpQnZR?oc=5) · WSLS
- 2026-02-23 [Bedford JROTC’s Matthew Payne is February Education Impact honoree - WSLS](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUGhKeFNsWlVOYWgxMDh6WVpreEF6eWxtZEsxR1dYOHdCMzdHV1YwaHBCUkxxaHNhZHlLNVVfM0hfQmFQUXR5YUFWSS1UVEU0YnYyNk5FVlc4RWJKXzZkbmRJendkb1JRaElwYjJVVVNITV8tYm9jQjRqcmtUTVlJZDdkTmlzczZYZnJxbmZtZ1N5THpaX0FNck5YaW1TOWtaVEtKMjEzNFJKZU53SFE?oc=5) · WSLS
- 2025-03-13 [Hidden Valley principal Josh Whitlow earns Education Impact Award - WSLS](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRE5XUzhsNXV5NFhPZVBfWVNlMTFjN0dCd2cwLTEtX0MyS0dYVHNOQm1ZbmUtRXJaNmluTFhTWVIzUDIzYl9UOWdLYnpOY3U3Z1RxS2psRFM4QnRjT1V6a1JRLXlXWnRjMVBlQlFMVzlnUWREek43UWdzY2VSRnF3S013amRuQkFpRzFUN3ZyemozdmRzYWFrc1dLdGl1VkI4Tlo1ZnJLbndJQllSOEE?oc=5) · WSLS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68629 (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/21.json (key "68629", 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=68629
- 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