# FORT MEADE
Fort Meade, MD · NCUA charter 95749 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-meade-95749

Who the members are: state charter. 4,355 members of 10,000 potential (43.5% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 16.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.2M |
| Members | 4,355 (-2.0% YoY) |
| Full-time staff | 12 |
| Net worth | $1.8M |
| Net worth ratio | 5.5% (p1 of band) |
| ROA (annualized) | -0.77% (p10 of band) |
| Total delinquency | 9.44% (p97 of band) |
| Net charge-offs (annualized) | 0.11% (p53 of band) |
| Loans / shares | 21% (p6 of band) |
| Cash / assets | 22.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p24 of band) |
| Operating expense / assets | 3.93% (p66 of band) |
| Vehicles % of loans | 25% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.34% (p89 of band) |
| Vehicle NCO | 2.43% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 3% |
| Average share balance | $4,482 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $9,230 |
| Loans granted, annualized | $697,868 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | net worth falling |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 7 | loan book shrinking |  |

## 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
- 2020-08-26 [Navy FCU merges Fort Meade Community CU - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdzFuUmVkVjR5alY3c1lxcWo0QjZzOEtXUF9qWUxMenc3Q2hQdEEzOC1oVTBGNDdXZTV5eTVUQUVMVTc1akJLQ3o1bFJwN3dXeEMwYzU1X05aSVQ2TTdRNHdFMERBM2NqVndzUlZwREY5MF9XbTVXVGtJTVNIR0tQWl95UFk4LW9uMy0wWkxVcUNvM0pn?oc=5) · American Banker
- 2011-05-05 [Fort Meade honors, entertains, educates children at Fun Fair - army.mil](https://news.google.com/rss/articles/CBMimAFBVV95cUxPVHNNalAtZTJDZzFJa05NekZaUURBQTNCN3NQa1ZGQW5ZcVBmWHkwblBsTXNPb2ZlSWcwenJjV19SNzJjTWdjMzlEaTJ4ZGJnRVpIR0NsU2dYZVZtRnFhOHdaanozZjNJTzVsNVBuTE9HNW4xMTNPUEpMam9Sai1VQXlhODNIMU9VQTFjQkMxUXVMNXRaTnluadIBngFBVV95cUxNUHJxSEtzN3RfSWhMRnMyMXgzMmduaVdDUlB5emhMWDc5WngxQjRKeFVnRk5CYzNhcXlLNjctSXdPZ0VQaUFkYTNEdGk5VlQ3c0pKSUl6UGsyc0N1UFh5eEdSRUdmeWNnV2Z6Z0hZemlHT201TGZKYkhvOU9jOEpyd0l1QXZKS1BkMjVhVVZEcWY5TFJqWHhvbXVTRmNYdw?oc=5) · army.mil
- 2024-09-23 [Tower Federal Credit Union to host job fair Oct. 8 - Maryland Daily Record](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTzY0TW1qNVBNUVZFNVkyWnpweFNWVktDMHpnSWk4VmNtbm85OVNaQWd1QW9sVjJVMUQxalNvREYzTDAwOFpBbW1JdnJrM2pOVzRJcUUxd1dSSWtzV09TNUI3dTNLMktlTWduczZ3VEdkaXhkVVNhYWUxS3pua1N1b1lsZl9ZVFdNcUtnSkRtNE9FZw?oc=5) · Maryland Daily Record
- 2016-01-27 [Getting started on Fort Meade - DC Military](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQSXhsd05jeDBwdTRQQUVqNlJuTERXeVRaeEFyMmFnMlAwS0FnN1V0U3BZbklFdTVnY0pKTTM5X3FOd0hyU2V6NTJOUHlTQk9yckZiSUNObjNxYXlNU0pLOVFmcnBaT2V4REJ0TUd4b1J6ZC1tcmZDbEZDNU84U3VVbUZtSExvUEtuMHI1dHREbTBzcDJLa2IzNUdTNEg5MmlEZTgtR1lhdWlJNkJBRnE1UlNlX2x5eTF2VEFQZGJXVUxNLTBzUHRqaVBUSDhTR0F6dFJEZ3dla0VyY3BoVFE?oc=5) · DC Military
- 2012-06-22 [Fort Meade celebrates Army birthday, Flag Day - army.mil](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRmF0SGxDM0lsS0s3TGs2NFdyWGhQUEZTZzNBNlMzRHUteXZZMTMyYVVnUm9pMG5ncWFEcFA1Y1cyWTJFZGlzR2RQdmNReEhVR0FoY3U1aUJjdm1za1p3YjBOUFdweGFPbEZvV1V6d3Q4cjg1RDdFaG11aVlIemM1U2JQTXVyd9IBiwFBVV95cUxPWHVEcXdlbTBhb25vTDk1RUNjdmRiVV8wUnhwR0ZjZGRJUlEyZ3dxTEVSMko4TEc3eVF6U2wzTzdFUkVWbDBhWDRJZmdNY3RhMFhlcXV3eWRRLWJoek1EZ0ZzazZiM3Q3azNVcjhvMGlHdHQ2VFNPeHNTZWdISU5Xb3JCOHhJakwxTV84?oc=5) · army.mil
- 2022-01-22 [Jean Coates Obituary (1927 - 2022) - Annapolis, MD - The Capital Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRkhBU3FDYVBMNmphSkUtV09TNGJzd3F1bFRaY1B4djRVNFBPVnNvV1d5QlhTalA3T1lPV2tMZkpDakZkREV4dmU5YU0wS0xqa0RuNnFveFoyb3FCN0N2SG5ZNjJQRjBJaEpOT3V3OEdhWWEyOUl0MjNpVmhUN2JuSDBMU2hqaXBwVFlYMXNBVEM3RlU?oc=5) · legacy.com
- 2023-07-31 [Rick Stafford - Maryland Daily Record](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5TRHYwLUxwd2FCN3NtRXVDbU9BY29CN0RrR1JiQ1RrLWNqTnRxVFZUOWhzR0VmNUYyWllIZU5yZUJNRk15Z3loNzhPOHZSYWZreXpiTXJNbWxkYXBoZlFPbU5WYkY?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95749 (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/5.json (key "95749", 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=95749
- 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