# BEE
SALISBURY, MD · NCUA charter 9893 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bee-9893

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 996 members of 2,750 potential (36.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *stressed*. 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 | $7.8M |
| Members | 996 (-3.5% YoY) |
| Full-time staff | 0 |
| Net worth | $1.7M |
| Net worth ratio | 21.9% (p80 of band) |
| ROA (annualized) | -0.34% (p17 of band) |
| Total delinquency | 2.47% (p83 of band) |
| Net charge-offs (annualized) | 2.20% (p94 of band) |
| Loans / shares | 46% (p32 of band) |
| Cash / assets | 34.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.01% (p55 of band) |
| Operating expense / assets | 3.52% (p46 of band) |
| Vehicles % of loans | 73% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.96% (p87 of band) |
| Vehicle NCO | 2.00% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 11% |
| Average share balance | $5,774 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $6,301 |
| Loans granted, annualized | $933,916 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | charge-offs p90 | delinquency 2x band |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 2 | delinquency 2x band |  |
| 2018-03 | 6 | net worth falling, losing money, delinquency rising, assets shrinking, members leaving | charge-offs p90 |
| 2018-06 | 3 | charge-offs p90 | delinquency 2x band, losing money, delinquency rising, assets shrinking |
| 2018-09 | 1 |  | net worth falling, charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | loan book shrinking |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 6 | losing money, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | net worth falling | assets shrinking, delinquency 2x band, delinquency rising |
| 2020-09 | 4 | auto monoline | loan book shrinking |
| 2020-12 | 4 | margin squeeze | auto monoline |
| 2021-03 | 5 | auto monoline |  |
| 2021-06 | 4 |  | members leaving |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 3 |  | net worth falling, margin squeeze |
| 2022-06 | 3 | charge-offs p90 | delinquency rising |
| 2022-09 | 5 | net worth falling, delinquency 2x band, delinquency rising | charge-offs p90 |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 | charge-offs p90 | net worth falling, delinquency 2x band |
| 2023-09 | 4 | delinquency 2x band | delinquency rising |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 2 |  | losing money |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 | assets shrinking | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 6 | net worth falling, charge-offs p90 |  |
| 2025-09 | 4 | losing money | assets shrinking, delinquency rising, net worth falling |
| 2025-12 | 3 |  | losing money |
| 2026-03 | 5 | losing money, members leaving |  |

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

- 2026-03-05 [The bees knees — Middle school students compete in Spelling Bee - Charles County Public Schools](https://news.google.com/rss/articles/CBMiW0FVX3lxTE52N0xSclVkMzhQME8wLXJweGJTT0JsMFhmaGZkZHNwWTZsNFZOd3Ryd0I3RnNYQlJoaU1UZ0twOXpPSThYaHE4RDJyOWRrVmE3Z3B5cGFNNXBEc1U?oc=5) · Charles County Public Schools
- 2026-03-10 [Eighth grader takes home top prize at Charles County spelling bee - SoMdNews.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNMzNYNEZ4ZlBDSUNPdUFQa0VOSlhiMnhaNy1SUzViOThoTTRDdEptc3BUamc1TlBPNTV5dzJkaVRlYnN3UWV3REhLRkNqeE1ybGtCTW1BeVFsUFFKM3JwOTFlc1hwRENBRG0ySlFOMElPQnE3Qlo3WWVqS2kyZ2ptNDdpYXlITkE1dFpDTHhkeUZVQ0pZRHE2QVhMRDZiQXBnc21pemViVkkxXzFmX2hqcUdNRDktenVNUkpGQUE4OVczZzdEN3hvZEYtSGpGbFJTVWl1MFc1RWo2T1VzRVphS1B5RzU?oc=5) · SoMdNews.com
- 2026-03-01 [Third time's a charm for regional spelling bee champion Arnie Parat - Amarillo Globe-News](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQVjNSM2l5OE9kMUZCYU1tRmw2a0dVVU5iM0V1MDZTWElEOTdUYkVUNmcxQTZ0SVFMUXE0N3d2dzYwZGlhTFdycnRhdXliR3RZaUhIVkNCSVpIYlo1Z08zenFCbC1kTDlkQkFpWk5XVnYwV2xVVUhLeFpHRUtWVnpZbVhtZkZiSVNTX3prQ0s4MFA3WC02ai1lSGhiMTE3dnJQdzMwS1JwSkdXS1pFT0ItdGlKaWp0cG1iZzBid3dTUFQ4UGhJTFc5TlRXTmw3b2JwU01IcGtLUlZXNUhQckVaSEVYd2xWNmd6d0E?oc=5) · Amarillo Globe-News
- 2026-05-24 [Windsor student ready for Scripps National Spelling Bee in Washington - Windsor News Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxPd0FPaElKcTR6WTBtVnFmYkY3MXhxYlphb3pReTJDaVdmbG56N1lyNk5XUGpuMVRtSTVRN2otT0RKR2ZDbDNLWEpLX2prNHN5SFgzNkw5WmZXNzF5RnhVa2J3U2hwT084OVlyWnNtZV9wcFpfc2xRN2xLVEM3ZFVwdU9WNVZSS1pUU29uUWJULTY5Y0RvakRIa2JoX29PX3NGRzVvRlRIa3hWemw4RGxHVklPeDAzb2JLS2xGQXhn?oc=5) · Windsor News Today
- 2025-05-16 [Local students compete in first Harford County Civics Bee - Maryland Daily Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQkwwcUtSWHRYOEFlRFdfUVRRSHQ5Qmo4WDJOSzhtbHdIX3RJTUFwMndhZnRKSHJtek5LT3RhTi1ydmNBY1Fka2lXY3JQclpwMXhKbVROSmRvd1owRmFRdkc5djZMcGI3YzJ3WGk1RC1ucUk0WGpqem1UQVU0Rmt6a2dpWDVtR1FJRmpTM3ZVaTV2eTkwUERxZU9xWno?oc=5) · Maryland Daily Record
- 2024-03-06 [2024 Prince George’s County Spelling Bee - The Washington Informer](https://news.google.com/rss/articles/CBMigAFBVV95cUxQSzl5WTRwZUlseDNZZzY1NU5mYTBQV3RfOVhyc1JQeWVBU1pfUEQ3ZVd6OTlVUkVmRXpjMFExRWY1UkMxZzd5S01vaHd5eWlCMGJDWGNXelB3Yl9fc0Mtb3VUdXJYcTV0bFh4by1OTnM2Zms4NkJEWlhwc1BIeG04cw?oc=5) · The Washington Informer
- 2021-12-05 [Obituary information for Bill R. Hensley - Holloway Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9OYXlQSk9ad1JkTEJORm51TEdQT2poSmVvMnp3amt5QzZCcVdTNTRFTHRIckxEeC1jSXpOSlpob25nQmhnT3UtRThkNXpvTjB4V0pUcnpZcmU3b1A0YUdJakpFMF9ScUtjQnJMc05tZWZBYmpa?oc=5) · Holloway Funeral Home
- 2018-03-21 [Informer Hosts 2018 Prince George’s County Spelling Bee - The Washington Informer](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcVF1c2RkWHQ2T1ZVTVNPM1lGZUhUSmkydUdQU0FiOGwzaEk4cHpKVHd4bGgxYUlGTHhWWWNQMTQxOTR6eHlVVWRtTVpsdTJwaVAzcDVGMnZLS2prZ2UxY2J2Q1ZvYzgzc1NLdHdvbUk5Q1FrSXpSUVM1V3JMREhGWVhOQXdJb2Y2SkstNFF3S1BiOHZ3?oc=5) · The Washington Informer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9893 (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 "9893", 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=9893
- 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