# ARLINGTON COMMUNITY
Arlington, VA · NCUA charter 7573 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arlington-community-7573

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 25,848 members of 1,387,178 potential (1.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *ordinary*. 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 | $540.7M |
| Members | 25,848 (5.3% YoY) |
| Full-time staff | 95 |
| Net worth | $42.4M |
| Net worth ratio | 7.8% (p7 of band) |
| ROA (annualized) | 0.19% (p16 of band) |
| Total delinquency | 0.64% (p55 of band) |
| Net charge-offs (annualized) | 0.23% (p26 of band) |
| Loans / shares | 92% (p83 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p47 of band) |
| Operating expense / assets | 4.09% (p74 of band) |
| Vehicles % of loans | 19% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 32% (p31 of band) |
| Vehicle delinquency | 0.24% (p18 of band) |
| Vehicle NCO | 0.32% (p20 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 47% |
| Average share balance | $10,001 |
| Participations bought / yr | $4.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.5M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $23,500 |
| Loans granted, annualized | $92.6M |

## Participation posture (from the same filings)

Bought $4.3M and sold $0 in the latest annualized quarter; $11.5M outstanding purchased (27.1% of net worth), $5.6M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2018-03 | 4 | thin capital, net worth falling |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | delinquency rising |  |
| 2019-09 | 3 |  | leaning on borrowings |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 2 | net worth falling | loans>95% of shares |
| 2020-06 | 4 | margin squeeze, delinquency rising |  |
| 2020-09 | 4 | delinquency 2x band | delinquency rising |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 2 | delinquency 2x band | net worth falling, margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 2 | delinquency 2x band |  |
| 2022-06 | 4 | net worth falling, loans>95% of shares, leaning on borrowings | delinquency 2x band |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | net worth falling |  |
| 2024-03 | 4 | delinquency rising | net worth falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | loans>95% of shares, leaning on borrowings |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-06-30 [Arlington, CommonWealth One credit unions merge this week, creating $1B institution - ARLnow](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSkdCaTdFUER1Tk5QbjVYaFhtYzFUQzNoZ2JyVGlVSDBnODBwQVhMSk83Ty1aNVNWOEJCQWxreEk2WVZyX1ZOODd3eWVLM1JlWGpNRElYMWFPVnBCaFU5cF9obFZwSWxaWUJ2NndKcXU2elRSS0ZxZXRJU2k3QUNYU1dXQjdqbEs5YW1XOGV3Wm5uaV9qb09seW5Ld0xQMkUyZmN2NTBTOENHR3NZcVZFVTJnZTlpdw?oc=5) · ARLnow
- 2025-03-24 [Arlington Community FCU selects Suri Thummala as CFO - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZkJnZ09wZ2lHczFaX25KLWx0Nm94VVE4Q1J0a212VlExSFJXM2taREl1enFHemRjbnVUcXd3a0F6bEpWdTU1NllUS1ViTFpabHFzMWRHZVMybUw0OXVBekdDVEJfRXlwaTJncXowSk9EckFObnB4QThiNTMtQW01SjFYR204RTVmVU5UNkVudTVsd2xOS3M2bg?oc=5) · CUInsight
- 2025-09-30 [Arlington Community credit union plans a merger and a name change - ARLnow](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQVBjd3pITTIyb3JhcUhnQW1JMzJZaHlvUTZzb2Nfd1BJdU8xeldXNElvOS12b1A3N0Q4T1JZakhSelFnUU1lRnpGdVdTeDJqLUJfcndZYndGWjBkV0U5eklzX1pHUW5oQTJGRFdWMUdrX1M0bXZYcjh0YUdzSkVCY2hQQzJkcVhHM0lrNkV0aGRwZUpuM0hFRWdmOFhXOVJublE?oc=5) · ARLnow
- 2022-06-07 [Arlington Credit Union To Merge With Alexandria-Based InFirst FCU - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxNQ3VpQzhjVVNwalBMOVZjZHQ5cy1BQ2lHdUxPWV9ka2dZWkNGbTgtRl9hUnd3NjYta3NVZVYyWG0xc1YxMkQ0bTVVcDBicEFaMjN3cWxVY0tQWXNwMVI4c1hyTERFRGVBYmlMNlhGOHcwR1ZQMWRYbzdreHlxRU9hQUdzWWRKbVdTR0RIRnh0Q3NfX0JaZWhiSHBFbDctQQ?oc=5) · Patch
- 2024-12-19 [Arlington Community FCU awarded $960,000 CDFI grant to empower underserved communities - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOU0dUdnpOUkxPSjQ4eEszeHZsVzZEejNIWDBiaXRJeHE5bXpPM2dmcHlkNmhmVWJtQTdUQmRMckljVE0zbnJWZzlTbHFBYVpyaWpOQlhielJsbTNKakhjeF94YTRDcmZWRUtweEg3cTRoaGI5eFYtZWVXcktRVUlscHdLbm5GOEpKTE5kZEFQQjN3TVpxS3ZDVXhvSjBRT2FVdzhuVWlJa2pKQUN2d0YzVVp0SHZFNHluLWw0NXg2TXlGQ2s?oc=5) · CUInsight
- 2024-05-31 [Best of Arlington Party 2024 Photos - Arlington, VA - Arlington Magazine](https://news.google.com/rss/articles/CBMiekFVX3lxTE9iS0dVR1p2TjNibkxQNWJNeFZCMXpVc3BlZGxDakl3OGFzelcwSzYzNlpXWVFTa3ZsYkl2QVhhblVhZEwtSkxuTU5zb2hmbTViVG02eC1GWF9vb09XdDBwZVdhVmtCSi1uMmNnaVdSOUk3bWQ5VzYyQm1n?oc=5) · Arlington Magazine
- 2022-03-21 [Arlington Community FCU announces leadership promotions - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZnlUMDlCWDlOLU1xajFFaVlFaHh5STA3eVpKa0Y3R0hRZHBsUXFvYTlwTml0Umo0dkVyNW5qZ2Rkb1lzRWgwZW4tLXVXa1NncW9ObEp6NTBHSVN4Y0ZIWWY3R28tSnB0VzN4NFNSZzltLWhnVnp1c0dPcWdhbUdxenNqZU0tZEU4NnRKSTc0UDNacEU2RTIwMjl6X1U?oc=5) · CUInsight
- 2016-04-12 [Arlington Community Federal Credit Union Announces New Chief Operations Officer - ARLnow](https://news.google.com/rss/articles/CBMiugFBVV95cUxPYXpHOGprYm1UMVlyTERDMUEySy05ZTFvRkxLdFN6dWcxMkNXcC1NR0x1ZW5ZZ1BGNExYbE5LaFpxd01EdXJDbUFCNjNPX1ZPX2FlMHliSjgyVVJQQUl5QUxqOTVnU1phRENsY0tnaFpDTUt0YzlpQ3p5OC0tQ29ZNHMza0hqcU1teFo5djU0Uy1JYWpJMzB2cTYxbE9UQ2NaRVhqT1lPaDN2S1JaLU9Tdk5zZUFnaXRRMGc?oc=5) · ARLnow

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7573 (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 "7573", 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=7573
- 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