# ALLENTOWN
Allentown, PA · NCUA charter 10015 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allentown-10015

Who the members are: federal charter, multiple common bond, organized 1955. 6,963 members of 25,000 potential (27.9% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $126.2M |
| Members | 6,963 (-3.6% YoY) |
| Full-time staff | 20 |
| Net worth | $20.7M |
| Net worth ratio | 16.4% (p89 of band) |
| ROA (annualized) | 1.29% (p83 of band) |
| Total delinquency | 0.70% (p55 of band) |
| Net charge-offs (annualized) | -0.04% (p3 of band) |
| Loans / shares | 68% (p47 of band) |
| Cash / assets | 40.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p20 of band) |
| Operating expense / assets | 2.38% (p11 of band) |
| Vehicles % of loans | 9% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.77% (p61 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 87% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $8,769 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $38,531 |
| Loans granted, annualized | $34.6M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | delinquency 2x band | delinquency rising |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2020-09 | 3 | delinquency rising | delinquency 2x band |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 | members leaving | net worth falling, margin squeeze |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 4 | net worth falling, losing money, delinquency 2x band | delinquency rising |
| 2022-06 | 2 | delinquency rising | net worth falling, losing money, delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | assets shrinking, members leaving |  |
| 2024-06 | 2 |  | delinquency 2x band |
| 2024-09 | 0 |  | assets shrinking, members leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency 2x band |
| 2026-03 | 1 |  | delinquency rising |

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

- 2026-08-08 [First Commonwealth Federal Credit Union sets opening date for new Allentown financial center - WFMZ.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxQR1RkbEZfUTQ2SUs3dVBUNmF6VUYzTE96LXkwdGF6RVdWajcxWTJZc2JWWHVHNkh3T0xDSFBsTnVSMjFEekQxUTRPTFBzZEdWdXBiM2pCZ1g3OXk1UmNyeUlzMnNWUW9BUk1BWFlCVTRqcEplUHRBQ1VZZWhCajFyLUNoLTRtNmlESm43MWtZUThfbThaR0FQRnRKX3dRekNyeFZ6RFNTUmFZeUpxV0ZvUlFjY0N6LUs3Z0dEUUQtUEpKanlkZVRzLUVsc0JCaG5VQWtsUzZEcTE1YjhmRGRuc3g4eE56ZWQ3cTB1UWRnTjBVNmdJWlJtd1pQTHBVRzVSV2ZjNUtuQVVhcEtUOWxJU2VBODM?oc=5) · WFMZ.com
- 2026-07-09 [Philadelphia-based credit union expanding, first location in Lehigh Valley - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVG1CZlZFOEhUY2xSM0hPZ1pETWY2U24wY216U2ROcGEyWFZFSFNGOGl1VmZfRlkzLVhUODR2Z3dpZG1OZk9YVlFVd29hTDk4azRuT2MxU0JrR3RSRjlHZXM3YTk4TVp5VG1McVAxM3EzQXVKUUd6T3NOYjM3OEtUbE9WQklnYXBrVS1sSURhMTE4MHdGOE1JSUVrYWo1QzladFVaV0M0S2NLX1JEdzVZOEwwX2ZXVDM2MHhsT3hQbGpGczBjdG5B?oc=5) · Lehighvalleylive.com
- 2025-12-29 [‘Stronger roots in this community’: Visions Federal Credit Union opens new Allentown branch - WFMZ.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQSnQ2Q3NBWndPbTQ2QmktNzg0S2RaZm1jSlMzcm5WUWZkUXVCbzM3aVVHYWVyX1BPN251ZWxmVE55azdiZ2tVN0xxQmtTcGNTbG9CcmdLNHE1Z25CTlU0aTVqLUdISk5VaDFfNEpuWXNjMGctWkM4OC1YQnY3VEpLYmtvMERBcFJPUnR0VHRGYnY0LTdGaUsyUnZMckdCNWVmTnI5MTBCRkhtTDU5UzV6NGlHZ1M0TnBiWlRFcnZJbVp1ZW0xZlNVa3FLZVcwaVBYTUFHOTJKTm5MM2ZvbUE1OVp1d3BjaWdjLURHQUVmZ2djbWt4UHlxVEFMZGw?oc=5) · WFMZ.com
- 2026-01-30 [Credit union to open new Lehigh Valley branch in ongoing expansion effort - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxNc0REcDc2VXlocUFobU1RdDZYTTNqSDBNWVBZSm96QUg5OEtuckhCcExfR1l4bzFRVkNGWVlObFFaQVh4U29XX1lPRW9XNW5wUnIyZUh1R0Z6QWQzQ3VVWFhESlVFN1I2UW1tSlpMeWs5Qy1qVS1IYWRRQ1BMUm5EbTdySjNjblFfR2U3bWdfYXNzX3dYcjdGRkJMNWFrWWU2Rm95bGlseHppT0doU2NpT3BVUE03aHYtYUwtSHBwMUNwRVJVeEZJ?oc=5) · Lehighvalleylive.com
- 2025-11-07 [New VP Matt Loranger to oversee risk and compliance at Verve - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiywFBVV95cUxORVR2RFhfRlpSaW5VU25CU0hmSXpyaW5vdFNNWFA4RW5QLWg0bGp1Z3otOUdQNndFV24wbzZZSnFsVV8xZU83YWRpblc1d0dOckN6cmFFS1NmTGRXSnhVLW1BOS1UYXhaMlZ5QWRmVHZPLVFZdmVMekYwMjd3VzN3N2pzX20zNkd2X19MSUl2OWUyeEtjNjA3dkpoZHE4dGZxaElDRGNLQWp0NFJ4MVJEZWVfZE4wVXV1dGNuaTFtVVZ1UTM1OVRERkxLQQ?oc=5) · Oshkosh Northwestern
- 2022-05-20 [People First Federal Credit Union opens solutions center in Allentown - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYlJsR2JqY0ZVeW5teGwtUkoyUlFmSnpVZTZBOS1RMHZHWWt0ZTkyWERDTXZPY3VpQ3FiOHZQRE1xT3BTMTQzWVotNmoyeTlnRnlyODgwTnE1VUZDYVU2LTN3ZmlkSXZsay1PeElrOFVZaXdxcDFOWmJnRVRjT2dkUTdTQnEzWDFVYlZaRjgtTWFTWkx2SFlsTmJyOEdvWXg4T0lMVlQtRHJVVHZzRFhv?oc=5) · CUInsight
- 2022-05-19 [People First Federal Credit Union Opens Solutions Center in Allentown - Lehigh Valley Economic Development](https://news.google.com/rss/articles/CBMixAFBVV95cUxPRHB3cW9mMXdLZXhLS3JMMnZoZmwxd1dMY3NpU1ZnaXZYMzA3MGkxX2syTUE1Q3RyQ2l1ajAycnhIdi1UN05BbXhwcDQ1OUpoMXdMd2EtVHNRN01URFk0cWI1aUxNeTNSRWJZdFBBMHF3SW42MWVMVXpsSzRoU2tTS2NITWYxNzBzMVJRcG42MUloXzZ2dFhNTzZ2RWtNazBpWk5mbUtzbWVNVnlESDMwdTZ0ZG5zNWNwcXlsQmV6VktQN3pS?oc=5) · Lehigh Valley Economic Development
- 2023-05-16 [FIRST COMMONWEALTH FEDERAL CREDIT UNION AND BELLCO FEDERAL CREDIT UNION ANNOUNCE INTENT TO MERGE - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNN1p0R3M5d0pGVG9lOC05bVdycGhhNm9KU180TjhoSWphMTB4SDFMdnV3TW5vaW9oTXZ6dll5SkRSeEtXWmNaTVhkcGxScy0xN1AwSThwalFFOW9lOFJXcGJMU3RGS2hHZUlSNV85cDdJZXBzWXZ5b0NOZG5QTnFqUFFYUTZEZFJrcHNmZHNyUEhWeUQzWXJvU20tWWE1OWo5V2lOUU4xVDEtdkp1M0xqNHVaUG04NGxPaUZWUElFcDI3eVkzVWJMeDVaa0Rzakpsc0pGeGdIb1gxLWpBbmg2RTc3QUtELVk?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10015 (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/31.json (key "10015", 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=10015
- 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