# TOWER
LAUREL, MD · NCUA charter 8333 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tower-8333

Who the members are: federal charter, multiple common bond, organized 1953. 218,540 members of 218,540 potential (100.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.00B |
| Members | 218,540 (-0.8% YoY) |
| Full-time staff | 621 |
| Net worth | $700.0M |
| Net worth ratio | 14.0% (p90 of band) |
| ROA (annualized) | 1.06% (p78 of band) |
| Total delinquency | 0.33% (p19 of band) |
| Net charge-offs (annualized) | 0.28% (p22 of band) |
| Loans / shares | 86% (p48 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p57 of band) |
| Operating expense / assets | 2.80% (p29 of band) |
| Vehicles % of loans | 25% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 93% (p38 of band) |
| Vehicle delinquency | 0.40% (p27 of band) |
| Vehicle NCO | 0.80% (p38 of band) |
| Repossessed % of vehicle book | 0.20% (p82 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 22% |
| Average share balance | $9,230 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $22,265 |
| Loans granted, annualized | $1.29B |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | repo signal |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | 3rd-party paper>100% NW |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 | repo signal | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 0 |  | repo signal, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | repo signal |  |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising, members leaving | repo signal |
| 2026-03 | 0 |  | delinquency rising, members leaving |

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

- 2026-04-16 [Credit union sponsors popular Camden Yards feature amid brand push - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOMmpjWW5kSWdGYXdYWW14SS15Y01nMVo0WnFuX21PLU1ZRk1YWm43c3NwUFpmcnNLbjJGY2x4NHBYU1J1Q2d5N00xYWVFYjNoYm5LaEZFUEZEYno3RWd1NHBadlExNUJrLXNCUndfR3JlQXc4Q0RTQ09HZFhqUjlhMGg4UEhNWFRwNFUtcFdicTJSdjhGblZIYjZmenFUZmpNVFk5ZndB?oc=5) · The Business Journals
- 2026-08-31 [Dave Sweiderk - Maryland Daily Record](https://news.google.com/rss/articles/CBMid0FVX3lxTE1jQlVtMFdqWkdOYW9Kb19UTHBUZ0hQZEZQZnNuRXg5N0RtaFZmRzVCQXhEM2NGZ1Bua0J1akh4Tndkc3hwMk5pSy1xaWhWTmNfZk5KSnRTZDQ3bmxmb1M0Y2o4aUMxVU41V0lDMFFISWg2ZjA5QWRB?oc=5) · Maryland Daily Record
- 2026-06-30 [Every Pete Alonso home run to support Maryland vets through 'Homers for Heroes' - WBFF](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQZFdoLWNJMW11aDNNa1d2YnhqZ2NCSlZsek03NWRoRi1GM2pReEpudGhmTkdTd3RJYVRvclFkckFWaVRtYmJuc2htcjNSeWdaZ2pCOUE2TDdXaXhJSVEyWTY1dlRmZU5JWmJBRHotUXJ2T3FuSTQ4eWFIeHMtT3B0VG13TzA3Ymw4Nl83cU4yckNmODdqNFp0QjVxblVYTHlkNnZrT21FUDdJUUNieDVqOFI4SjkzbWcxcDhJcWxGLVAtR2dnWHFFNEZaTDg0Ylk1Qi16TDNKRjI?oc=5) · WBFF
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2025-12-30 [RICHARD (RICK) STAFFORD - Maryland Daily Record](https://news.google.com/rss/articles/CBMibEFVX3lxTE14SUdzVHJYNjVhNlNIWDc1V2ZfS09DYWZZV3EwQnh1dkctdUJSNmtqajNVTC16SWVIVXBGQ2tjdEphLVZudFFMRGE5TDcya19zWS1Fa01HWjdwdXdjSFpHUU4zcWR2RGo2dFRMVQ?oc=5) · Maryland Daily Record
- 2026-03-16 [Death Cab for Cutie announce new album, I Built You A Tower - treblezine.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWXRoSFNueUlDS3V4bUhmQ0tSUXUyc3ZUdWY0TTlsMnJLQ3c5aTZoUmFxQlF4R09WT2FwRVcySXRveWR1U1pHRHlfZUJ2c2lVRlhYNUNCTTMyWnEzOWxXOVRxaWRTV050d0steWs1NlFRSE81R19mZEFiUEt5X0ZQcnlBUXd3N2hfZkhxSkQ4UQ?oc=5) · treblezine.com
- 2023-03-22 [Tower FCU Intro’s New Brand, Logo, Website, Slogan - cutoday.info](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMlp2b2cyR2F1dFdWb2lYQVFRdU5qWVFCMUhNZlg5TkRlRVJzc3RseDl0V3BxYlVZb2JkTzFyazFYZnJzRjYwc1hYZHhMX1d5VWc3RjRQMEtRVzJmSERwZjVxc2JqVkN5T2hkWXBfay1iZWN5Y0d3bVhQMEFSZnl0NmRicUxlZ0x0djZmRA?oc=5) · cutoday.info
- 2023-03-23 [Tower Federal Credit Union Unveils Refreshed Brand Identity - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWlJaUWg2czh4MlFNd0VCNkFqMFZRMjhKbThvRmNXenJaaU9CV2NXMl9nWElqMHFmNHphUXFqRnZBbm9OSEtONWxwcnpGcTVSQV81b1NSSkVuMWNsR1kxd21hSWNqLXctOElnY2tKYjZuMjJfamUyR1NGTjN3MjRvNFBkQUpvNmdVTy1DRkdyX2RjLVVuWEIySDJ3aEttS0lqcjJTQ0hBRlNNYXZuWGpqOFgzdGpETGp5bFFYOXRGcXdyX3VGWmtWUUNBZw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8333 (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/13.json (key "8333", 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=8333
- 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