# GEICO
Chevy Chase, MD · NCUA charter 6912 · asset band $100-200M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/geico-6912

Who the members are: federal charter, multiple common bond, organized 1950. 19,017 members of 40,000 potential (47.5% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $144.9M |
| Members | 19,017 (-5.8% YoY) |
| Full-time staff | 46 |
| Net worth | $12.8M |
| Net worth ratio | 8.8% (p28 of band) |
| ROA (annualized) | -0.25% (p7 of band) |
| Total delinquency | 1.83% (p95 of band) |
| Net charge-offs (annualized) | 0.64% (p84 of band) |
| Loans / shares | 43% (p10 of band) |
| Cash / assets | 27.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.72% (p38 of band) |
| Operating expense / assets | 4.00% (p76 of band) |
| Vehicles % of loans | 28% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p20 of band) |
| Vehicle delinquency | 1.50% (p92 of band) |
| Vehicle NCO | 0.05% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 10% |
| Average share balance | $3,841 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $12,120 |
| Loans granted, annualized | $9.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 2 | thin capital, charge-offs p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 2 | delinquency rising, members leaving | charge-offs p90 |
| 2018-03 | 1 | thin capital | delinquency rising, members leaving |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 0 |  | thin capital, members leaving |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | delinquency rising | thin capital |
| 2019-12 | 2 | delinquency 2x band | members leaving |
| 2020-03 | 5 | losing money, assets shrinking, members leaving |  |
| 2020-06 | 6 | thin capital, net worth falling | assets shrinking |

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

- 2026-07-21 [Cheapest Car Insurance Options in Maryland 2026 - WSJ](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZy11Z3RHSmtXcUpOR3RpRV81Smt2SnBYWG02UFdYcDFabVhiS2xuZUtXZVpha0ZUMGVpc1ZlbVRuYXcwZmlHZ0VMd0wzR19wUmUzRVFLY2xyX3YtcmVtcTJ5RkdfV3FLSmNGbnFQMHBjYXV5bG5HelVXWnZoOTkxcEdhR191eTQ3UjBuRW5OMXhkUQ?oc=5) · WSJ
- 2020-04-29 [BCU targets long-distance merger | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSGcwNnA0T00xck1UbGFMaUtfSDV5SUZjN0pLRzFIYWkzS2NCc3ZoNGlVN3FPbVpSd0c0RHN3Qm5FcEdodlVuN1VCREtPMm9pbWF4S09iZXFjd3JUcXA4cERrZmtyWkF0RFdUQlBXSmVUTkVOZXhqTU9EaWZrMXZlNEYxN2xqci1W?oc=5) · American Banker
- 2023-03-08 [Full GEICO High School Basketball Nationals Tournament to Air Live Across ESPN Platforms, March 30 – April 1 - ESPN Press Room](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPRHdzLUl2OU1wUEpkWGxyb2dhNXhWUi1EXzBFcGNWcENPZkY4LUJUaFVHbG9LRHZmMlhjVGRjbzVnSWpMSDJBTTNCUzJEbXZlOUUyUkJpR1pYdldoMkxsdjh2dDJZekhOX3ZVZmRvVklJYWtteldseENHN3hzbDJwbTdZSmtBZktrWXQ2SUlEc0lwYmFhRFhaSC1MVWhSSGZjd0MzVGFGcDZWN3RwbTNYdkdrUTNmMm12UFpMMl81MUwwd3NnaW1VcFM3TVhoTmxpeDlKTWpyMXoxaWdlbXFF?oc=5) · ESPN Press Room
- 2023-01-24 [Patriot League Men’s Basketball Notebook presented by PenFed Credit Union (1.24.23) - Patriot League](https://news.google.com/rss/articles/CBMixAFBVV95cUxNRktHd3JWWXBaVFdGVFlNeXBhX1JuVG4tNjNYaGdlcnM1MHRZeF9WZnItMEtIRDNRaXpMUGpvU1FBQ1VHbWpiVU84TjFjZG1PU0VOaS0xbFB6TklxS3RBb2laSjU0cG5uM1FUY2VPczZQbG1ybm1CdndVR000dVMxNXV5dXZ2X21OT0xHQnpOOGhobHg4QXE1eGpGdkFHb3k5NUg5V2ZaczRqWVU3OGZNTjd5T2h3dWg0Y2F5cElBNTFNaVdq?oc=5) · Patriot League
- 2023-10-24 [Geico laying off nearly 100 workers in South Jersey - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZ0JzUDBHVFhuMFI2bk9Ud1pTT2IzUUNqcDVCRFVzRDRUbGI0QVZ4RzlLNFR0aFVIN3I4RXpSckoxdmh4MjFUSjlLY3ZHRnUycUZvRnJUdGZCRkFRSE9jWi1JMkh1OGJpTUdKTHZKVzVTa3dwdVpKZ19nczFYTVp5d1FHUXlHVVVBYjdWZS1yTjBBQQ?oc=5) · The Business Journals
- 2023-03-30 [Breaking down the teams vying for the Geico Nationals girls' high school championship - ESPN](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOWnpuVmJ6N0JLcXVUTXRoVExYa2M3cTlKZ2xscXdZYm1faXlDZzk2dWV5eWdraHlSbnczeC1TX2RiTUVSeTFMQnBhR1ZrMHEtQ2p1dkQ5OUNCTzZYY3RnLVhWQTkxcGR1Y0xIR19YUnAwd2pRWmxkd3BJNWdCM1NNY1ZOeTRHU3VFTjdGcHV0NzNjS2lsT01leXZBYTM1MXdTZmUxU1J6YUNKbVRhWDZSb2hwN0lwUmM4UXRzWTZPVnBYYWQ4Y3Foekp0aDNlaWVW?oc=5) · ESPN
- 2024-05-19 [Geico Louisiana total loss class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMirgFBVV95cUxOTl8tVThMWFBxcGtRTUc4SExYeW5GT3lzOGZLQ0wtd0ZTeVd4VTl6UzRreXZWenBLWFlnQ1V0RU1LZ0dYSXN3NWZET2kycFFwbHFlNFdpdDBCdGJIZWlRQ2RPS25Wck5BZTBsQ1BlU2U5TnFjek5UQzY4dE94OUUxSlBYdTVKc1htekMwendxWFhYV2RUSVBsaG9PanBaemtHUk5YLUhRVV9oVmNEcEE?oc=5) · Top Class Actions
- 2022-03-29 [How to watch the GEICO Nationals boys and girls high school basketball national championships - The Detroit News](https://news.google.com/rss/articles/CBMigAJBVV95cUxQYXU0X2FfM1FrQnFTLVNTaWVFaUp2S3hDUndjY0NOVWlXZ0RhOC1yZ3JlMFota0NWd25vemJ3dkxTYWtlX1BKMm5YY0dJMXU1RW9WTHhwU0FPTkJLY3dmYmZGYnNzZWIyOWlHd2NzblltRzJwODl0UVV1UFhpeHdpY05Ec2NjN21RSTBpLVplVkVCM2FldV9nZDVyckUxSkExdkY0VUlwdTM4WWgzRU1TRmIwU3dIcGxodTNqOXlvaEdvbXFLRmFLUy03TWJ6Q3ZBNmNWM29WUDBucjZJUWNxNE00dlVibFNXcVRLQXFVTHJIaW9oR192RC02Y2lvdjVD?oc=5) · The Detroit News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6912 (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/0.json (key "6912", 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=6912
- 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