# WRIGHT PATMAN CONGRESSIONAL
WASHINGTON, DC · NCUA charter 8797 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wright-patman-congressional-8797

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 52,187 members of 72,000 potential (72.5% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $1.33B |
| Members | 52,187 (8.1% YoY) |
| Full-time staff | 149 |
| Net worth | $139.4M |
| Net worth ratio | 10.4% (p43 of band) |
| ROA (annualized) | 0.64% (p44 of band) |
| Total delinquency | 0.90% (p76 of band) |
| Net charge-offs (annualized) | 0.24% (p18 of band) |
| Loans / shares | 66% (p13 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p43 of band) |
| Operating expense / assets | 3.01% (p37 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.48% (p39 of band) |
| Vehicle NCO | 1.07% (p55 of band) |
| Repossessed % of vehicle book | 0.10% (p59 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 21% |
| Average share balance | $9,954 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.9M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $33,324 |
| Loans granted, annualized | $212.7M |

## Participation posture (from the same filings)

Bought $1.4M and sold $0 in the latest annualized quarter; $6.9M outstanding purchased (4.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 | delinquency 2x band | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 1 |  | delinquency 2x band, net worth falling |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | thin capital, net worth falling |  |
| 2019-06 | 0 |  | thin capital, net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | thin capital, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 2 | net worth falling | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising, assets shrinking | thin capital |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2016-04-06 [Rep. John Conyers' Chief of Staff Pleads Guilty to Receiving Stolen Property - nbcwashington.com](https://news.google.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?oc=5) · nbcwashington.com
- 2018-11-19 [Rep. Barbara Lee (D) is the 45th richest Californian in Congress. - Los Angeles Times](https://news.google.com/rss/articles/CBMieEFVX3lxTE12THU1c3JaRTNtVzl1WlJnSTRoUGRvYzNzRW4xMk84bXU2a2tsNEltMkVzQWxuVXBjVHc3WjBMZTcySGRJSjcycWhNRTRnSFVqTHZ1djlrZzNvZ2NEQmZva1hMYWJYRnNhTndBSm1ZRVFTSE1qZWpvNw?oc=5) · Los Angeles Times
- 2005-06-13 [Members Misbehaving: Congress’ Top Scandals - Roll Call](https://news.google.com/rss/articles/CBMif0FVX3lxTE9vVk1yaGdtckJLWUc2TjBWWGlzekttSEpBNFBEc1ZxM1EyUkFwVEdlbUxEYXRnYklESG52NjNVc1V6Mlh5RDJHdFRMNHJfcC10YzBsSlNLMndlWjNoWGVwWEpObl91akhmcF9hN3FMamFFNlRta2pYS2Zic2hpWDg?oc=5) · Roll Call
- 2011-07-20 [Former House of Representatives doorkeeper Molloy dies at 75 - The Washington Post](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNQk9kMzZSWVc5OXhWeHJ4NklETDZ3WFk3c2E1VnJQVEJReFZVU2doM2VjOUZySjZzNEFGWmtWajE0WXVjYXhqMzJOY0x6cHF0eFE2UWZ5Sm1hWWI1STNWY09GSTJEUDhXODg5emJZOURQVXRNOFRyVWp1OTZ0SmRIVGtjT0pJM3pvRUdKVm1vR0x1WXRTRmE0V0l5cEl0STRqZExuMWRtUHdxZHdmY3loeVpYcDhveWhGMDFORDdGd0ctdzBCTk56X3g0SkNONWJVbVVIM29iaTc?oc=5) · The Washington Post
- 2018-08-08 [Troy Balderson ekes out unofficial win, but Danny O'Connor doesn't concede: Capitol Letter - Cleveland.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE92MndnSUt1Nk1TdVhwZExERmQxRnN6U2tBTTI5Ynlqa0hCQ1VScmJxR1I4SFRMTHdmdmpqQjBaU1JDUlpTRDlkTEg5dWs5cjN3N0p4T3NYZkFjUUNJeGVQWmtmX21fU0p5Q1ROM0hIRnhHTldBUWk1YkpjNXRRZDQ?oc=5) · Cleveland.com
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2025-07-16 [Linda T. Sánchez Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQnF4eEJUbHhrT3AweFVJR2VUc3dVVVlXMEZyd2lqcWIwWnNIUjJZbTdSaHNqS3hTN3U3c2F2NW9wd29hbkNRWGxjczNIeHZyRzBfTzZGck5MNlM3ckZ1aFlobnpNZUdfV2t5R3IzZlFHY0kzT0JSNEhHTTFHVlV3YTgxNjlBSHpuWUtYTHlQZmRNRzRHRFJoQVBYLWtyQ0k?oc=5) · Quiver Quantitative
- 2005-09-01 [Congressional Holdings - Florida Trend](https://news.google.com/rss/articles/CBMidEFVX3lxTFBnVXpYcDRwVGZPbHB5cjVSbDBSb25CQUIwVGUzY2l1bEYyaDY2X2lGVzZ5bHNMekNoWkFxRi1sVWZGNWxUTGQtZkxGQnN5Z2h2a0hWMFZqVFYtNXFxT3lFRVl0RFpUdFlaVUVBaU5MRkdrc0RB?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8797 (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/29.json (key "8797", 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=8797
- 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