# ORLANDO
Orlando, FL · NCUA charter 68706 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/orlando-68706

Who the members are: state charter, organized 1936, low-income designated. 27,433 members of 6,677,132 potential (0.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 265.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $364.2M |
| Members | 27,433 (-0.0% YoY) |
| Full-time staff | 64 |
| Net worth | $32.6M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.29% (p21 of band) |
| Total delinquency | 0.78% (p66 of band) |
| Net charge-offs (annualized) | 1.12% (p91 of band) |
| Loans / shares | 83% (p74 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 3.57% |
| Net interest margin | 3.70% (p60 of band) |
| Operating expense / assets | 3.94% (p61 of band) |
| Vehicles % of loans | 28% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 62% (p44 of band) |
| Vehicle delinquency | 0.31% (p28 of band) |
| Vehicle NCO | 0.41% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 197% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 27% |
| Average share balance | $4,001 |
| Participations bought / yr | $15.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $20.3M |
| Loans outstanding per 100 members | 265% |
| Loans granted per 100 members, annualized | 350% |
| Average loan balance | $3,667 |
| Loans granted, annualized | $116.2M |

## Participation posture (from the same filings)

Bought $15.4M and sold $0 in the latest annualized quarter; $20.3M outstanding purchased (62.2% of net worth), $5.4M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-12 | 3 | thin capital, expense trap, 3rd-party paper>100% NW |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 3 |  | expense trap, net worth falling |
| 2020-12 | 5 | margin squeeze, members leaving |  |
| 2021-03 | 2 | net worth falling | 3rd-party paper>100% NW, losing money, margin squeeze, members leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | losing money, expense trap, 3rd-party paper>100% NW |  |
| 2022-06 | 5 | net worth falling |  |
| 2022-09 | 3 |  | losing money, net worth falling |
| 2022-12 | 3 | delinquency rising | 3rd-party paper>100% NW |
| 2023-03 | 2 |  | expense trap |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | delinquency 2x band | leaning on borrowings |
| 2025-06 | 2 |  | delinquency 2x band |
| 2025-09 | 3 | assets shrinking, leaning on borrowings | delinquency rising |
| 2025-12 | 2 | 3rd-party paper>100% NW | thin capital, leaning on borrowings |
| 2026-03 | 2 | thin capital, charge-offs p90 | assets shrinking, 3rd-party paper>100% NW |

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

- 2026-03-09 [O Financial Launches in Clermont, Expanding Orlando Credit Union Presence - South Lake Tablet](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWVNIaG8xVTI1V0lvdzJONVkzQ1BFOWQwaGhhOFQ0cHAxa25IOWFqcFJxYW1PRnJqNHJxcUNPdGZIMXgtTkN5dlI0N3RsdEJGbGdjNHNNMDhLQXJuM3B2U1BMbTBUcHdLWTM3X2ZUWG1xMDRKT1lGV2hXdTUzTXg0SzJoZjVhcUgwclpRR3BEUHRlc1d4b1E0MnhVY1B5cHRBa2xaNzZ0WFA?oc=5) · South Lake Tablet
- 2025-10-28 [Space Coast Credit Union opens first Orlando branch - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxPMm5VbjA3OGdHQTl4Nk1SUnJyTGxEeTBfWEFiTm5yNmg2WUFTaGNqdHptOU1vUktHdldrekZRY1RUODczblNTQlFEQkJsZlRHNF81WEZ1U0pjcDRoWDVsRXBuamt4a3h2MTFPQnNPbnNWUk9sRXE5bVNWVjQ1WFN1Q3JIRmN2LVQ1Mi1Bb0VBMG5KLXJaVk9J?oc=5) · CUInsight
- 2023-04-19 [Orlando Credit Union Earns Community Development Certification to Better Serve Central Florida - newswire.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQck1PLTg4eDdkM1duazBvaDg4VU9zTFNmaEJyaVFEbXVMeXl3QkZ3MVhELXNGRE5Qa3FSa3NySGxUNTRuaWxRWFpOUVk2ZjUtQjlVc3N2LWZZcUM4alVrZGZwRDAtb0pBUUlhc1FHQ05uRHdQdDktS3hCSzNWY0F5bkNNNkNiN1Z5Wm11Vk1JLWtTTnUxV3RCeUFUc0xRdURYRFpCbmRkdw?oc=5) · newswire.com
- 2020-02-25 [Member of the Month: Orlando Credit Union - Orlando Economic Partnership](https://news.google.com/rss/articles/CBMie0FVX3lxTE9vcUI5SmNia2Z2akR5NDliQTV1QWc3czY1N1h6UV9Xb2JEUXNfRGl2d0dZZzdYZTVZcU4wUS1Pdmh4d0k4NDl1UW9lSFNHbTMwa1BNUHQxRURnQUo4dEtteUJ5NEJtNlJJY3ZSdU45N1NMaEQ5ZjEwendOVQ?oc=5) · Orlando Economic Partnership
- 2026-08-20 [Brevard County credit union breaks ground on 3-story headquarters - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUWpVUTZkcXREbU1LRWVCdmlWMmxyUXRLVk1wYnRVWFNlTEt3TWRGSTE3N21la1JQYzhWT0tkQ1hFTFBWSHdHS1pBYjVXMWN0QVhITzdNTEJWbkk5UnRuSlNkVWRhaFZPSEE2RzlFVmFTSFFOWVBlRi1LOVNQM2piVXZlVFhVSVo0SWJFQlhiamhPSzVOSXBHclNlNGlTZXM?oc=5) · The Business Journals
- 2026-04-16 [Teachers Federal Credit Union Expands Orlando Presence with New Lake Mary Branch, Growing Florida Footprint to Three Locations - PR Newswire](https://news.google.com/rss/articles/CBMijgJBVV95cUxQMjl1RTB2b3JpZTRVR044ckQwX2FDaGdqYTc4OU1ubTgwRFVfVENZWk1oQ3Y5V1NoN3p2UHRncHpNYUJUN2NoMWZScHVfQWRiRVA5YWpIbjhYMDNCdmNzaGxMb01tTVozTEw4SmJTWXktaWw3WXBLMGpMNFQtTU9LNzViMF9QR01JY3BOZUhZYnZWLXQ2OTF4enZiSlVPTDIxY2FWOTZ4azVrYXlEYy1XS0ZKb1FRTkI4M3lhdkpnd3NkOEpOTHZMYmtMYk1pOUdNRlpieXJrSFpCUTNYNF96bVA5TXBmU3NRamhhYU5HRm5EMlMxUGhtQUdyU3V2UVlEcWhIYzJIdEZ0UjJaSXc?oc=5) · PR Newswire
- 2025-01-16 [Melvin Ramen brings lending leadership prowess to Orlando Credit Union - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxQakhYQWo5OEhBaHlfN0ZGY0ZmM2xGVFVfU2c2SDUtQmRleTV3Q2p3cFNRN3l5SHVRZlRfQkE0NU9xN2o2Z253aUNyRWhnTVJhVW43RDZOeWo4OENjSkI1SjZrS0Zzb2xFc0NJd183UjJlZ2lXdGF3SEhSVENqSjhPbTRWZmJRMUY2UmJ5ZFdIajFuTG94RXhHVU1VM09OVVExU2RIbV9CaFBQX1kzc2ZXSw?oc=5) · CUInsight
- 2025-02-05 [Orlando Credit Union Launches Brand-Defining Effort to Support Life Moments of Members - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYTNrTVlONVVfTTBDanJkTU5EM3hFRjlGcm1OLXdiaWk0WkpLQ1ZQZEJacWJ6MjBBcFlhc0ZoVVlrSFpNdE95b1hvWWVxMWgzUUc0RlZ5d1RaZk1PYUdudllsSHdmVkVfSGRBd0gzdmtHc3BfdFdFN005MDVvVUxqbnJKSGZvSmNkOU9xOEU0LTFQanUyanluSmR1Mm5KM0dkQlpyVzZfOER2Zw?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68706 (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/34.json (key "68706", 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=68706
- 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