# POTOMAC
CUMBERLAND, MD · NCUA charter 9445 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/potomac-9445

Who the members are: federal charter, community charter, organized 1954, low-income designated. 3,806 members of 5,000 potential (76.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.7M |
| Members | 3,806 (-4.6% YoY) |
| Full-time staff | 13 |
| Net worth | $3.1M |
| Net worth ratio | 9.0% (p21 of band) |
| ROA (annualized) | -1.68% (p4 of band) |
| Total delinquency | 0.21% (p34 of band) |
| Net charge-offs (annualized) | 0.84% (p89 of band) |
| Loans / shares | 75% (p77 of band) |
| Cash / assets | 31.1% |
| Borrowings / assets | 3.37% |
| Net interest margin | 3.30% (p75 of band) |
| Operating expense / assets | 5.32% (p92 of band) |
| Vehicles % of loans | 80% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 137% (p97 of band) |
| Vehicle delinquency | 0.26% (p45 of band) |
| Vehicle NCO | 0.98% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 11% |
| Average share balance | $4,873 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $11,791 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | delinquency rising, assets shrinking |  |
| 2017-12 | 2 | loans>95% of shares | losing money, delinquency rising, assets shrinking |
| 2018-03 | 2 | delinquency rising | loans>95% of shares |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 4 | net worth falling, losing money, delinquency rising |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 4 | margin squeeze |  |
| 2020-03 | 5 | net worth falling |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 5 | delinquency rising |  |
| 2020-12 | 3 |  | margin squeeze, delinquency rising |
| 2021-03 | 4 | margin squeeze, delinquency rising | losing money |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 4 | losing money, assets shrinking, members leaving | delinquency rising |
| 2022-06 | 7 | net worth falling, delinquency rising, charge-offs p90, loan book shrinking | assets shrinking |
| 2022-09 | 6 | assets shrinking | net worth falling, loan book shrinking |
| 2022-12 | 5 | expense trap, 3rd-party paper>100% NW | delinquency rising, charge-offs p90, assets shrinking |

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

- 2025-10-20 [Man arrested after struggle with officers during attempted fraud at Woodbridge bank - WJLA](https://news.google.com/rss/articles/CBMiuAJBVV95cUxNdy1Mc2lwZ1FpZWZudlo0N2ZsdmtmcnFkT3RxcjhQSVUxMVpmYjE2T1NHQXRObF92aVJvWFNyaVFhYldkR0dPQ2k1TVczVmxpWUdjaS02emxWMW1UQ1V5eGJuckpPTkxqTDZoeDZyM1BncmZBa1BEaS03ZHpxQVB5T2NZaXZYQXZGSE93dXMyWlFEU3JPZDRKY1o3RlhFT1c4NkpMazRXNlZVbnYySktYaFZBSjZvWEg2bDZOWjBsWkx3M0RMaHpZUHM1Rzd4TktLOUk4b2FSNDg3X19QckFxTEVQNDZsQlVyXzlTbnQ4X3BfNGdWNW5nQ21UQWpTMmUzX25tS1czdFktbVdqQXNhamRGZGtDbFNpbUIydW9JX0U4WGpGWXN6OFcwX2NvdTVKLW5KNm9jVUg?oc=5) · WJLA
- 2023-06-01 [Chase Bank could be replacing former Potomac Yard brewery - ALXnow](https://news.google.com/rss/articles/CBMilwFBVV95cUxNR3FXV3FBR2pqYnRNZTY0UVpXYm9tLVFyMVZ0eHBaTnd6ZnVIcjgtX0RKTHhkZzJITzlHRktubklSckY1aVdoY2pBTWFERjlVWnFneVRueHM2aUstT0xpUTRvY0g4NTV1N0g5bkF6LW9ocW9VbjJSdURHTXV6WDk0bjNGUlF3TXVvc2hjcGRVVWJtWm13ZkpF?oc=5) · ALXnow
- 2023-08-08 [1 hurt in Alexandria shooting involving US marshals: police - nbcwashington.com](https://news.google.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?oc=5) · nbcwashington.com
- 2026-07-30 ['This place is sacred' | Runners warn East Potomac Park redevelopment could impact iconic DC race routes - WUSA9](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQcF9wemM1TGdJOUhfZFp4c21sc2s2ZU4yZkZ0TzVaLUdQdmNIN2taSjZJN0ZJQXZtejNULU5hNGRDM1VBRG9PQzlIdXRnXzhxQWM0ejBvdjJIN1E0c1VDRjVwRmdwemZ0clBCZUtzRVJCVW5VeFpEMlNodVNQVW1aV1ZJb2s5OXNYanU3am1XMFJfMURLZHV1OWRtZzAwcXpBZkYzTUszcDNGLXA4QUg0OWg4RFVJdXhGUkYzY1pzYWRUWndVSDg0NTRxNWh6VTA4RThnTmZ2U1IxbEMxQ1JXT19EM3BMTFF5UHdXRmtKQ1FsRWxhYUE?oc=5) · WUSA9
- 2019-08-30 [National Harbor | Zip Trip: Cold Stone Creamery Junior Reporter - FOX 5 DC](https://news.google.com/rss/articles/CBMihwFBVV95cUxQT29TZHl1d0JwTnZ1WjMtVkx3MGFGTDZoelpZU2VJU3NDc28xMURHMkRJNjdFYnd1c0hacnR1aGZiRHdIY0FWYnJJVHdyY3RnamJqX014MDdSYjd0Q3R0WFZleHU0cGtWMVdCN2lXZ1V5NjVUU2FIQVd0cUI4VnlCMEpGbUUtWlHSAYwBQVVfeXFMT3M5RUdLNm0zM0NyT20wSFMzX2JLVnUwRnU1YmlvUGJIUXAyR1o4OUVDRG5JTkRmMnBEd2NuY0hab0V1TlJ3d1ZSWm9pZUUxanZoRWVwcjFSWUN6VW93bkx5ZGczQWJGZHN3SHU5aXAtRmxJeVMwb3hfeHVmMUs3eXJYN0hBLTctSDZJSEI?oc=5) · FOX 5 DC
- 2024-08-29 [Alice Ferguson Foundation set to celebrate its 70th - SoMdNews.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNdV9UTUd6QjVMYnFSQUJNdEhZTmZkOGp3N2d1U0lxRnpienpWdTRXQXREYnY0UnZDUTJMODZwSG5SaktMb054STJCNDVGWnpMNlFJSzNnemd3bXRJa08xSEFGVVFoTmFOYUV2SlFWM2dEMFVVZU9zZ19KZldfWmViSThjUnZGR1l0dzgydUh5V0E2NlBPZlg1QnpOX2RtVHU0OFo3UjhCcnRKOWs2ZllUQXdYMEJCUms5ZDNkNXQ3S2Z3UC1zS2E1YnpUb3BKOHN5UEh5Y3ZkbUlPSFhUNFE4MU15aEpjTUZRemc?oc=5) · SoMdNews.com
- 2024-04-29 [Former Hagerstown hardware store to be condemned after part of facade falls in street - The Herald-Mail](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPR3BxR1hQOFZKMTczblREb1VFOExnR3psME5rYkVCVGtjZ0szSUZfSEJKUjhMd0M3bFlLVmVDbEZoeF9LR0dZR0pab1FhS19BS0Y3SGFXQUlzal9lNk5BVVdOWXJRWGs4OGl3QjlCZVlHZFVRSFAxbDlCQkVXcFFmT3IteTluSGI4QjlPSFdib1ZXNDB3LUFKaUlsUzUzRm5oMUs1VnZVSUJYSmRNOGhRM3VydVR5cm5TQ080RldWSVgyQVMwd3hfOHRlVk4tTUl4amVPZzBn?oc=5) · The Herald-Mail
- 2019-03-06 [Tammy Darvish's Potomac mansion listed for nearly $6M - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNbTVxQU9jWHZBRmVXTU9yOEtZMUJoRFpFQXBIQjYwd1VlaDlCV0R6ZUtBY2pGUjVuUDU3eXFpTXFnQUp6cXhxVHV5SnRKcDJwV2ppUVFaclpUNGhUNS0xZS1rRFF5NGJ0WkpXdGhIZk5zUUpaY1o2dHVjNHBYNDJRS1NlZEJNWDJPZnJfcTZOOWFINU9BS0xJbEc3Ym5VekdWTG1jdjEtY0V1TGpk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9445 (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/37.json (key "9445", 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=9445
- 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