# FRIENDLY
Aliquippa, PA · NCUA charter 10184 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/friendly-10184

Who the members are: federal charter, multiple common bond, organized 1955. 4,472 members of 15,000 potential (29.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $68.3M |
| Members | 4,472 (-3.4% YoY) |
| Full-time staff | 11 |
| Net worth | $11.6M |
| Net worth ratio | 17.0% (p81 of band) |
| ROA (annualized) | 0.77% (p55 of band) |
| Total delinquency | 2.48% (p96 of band) |
| Net charge-offs (annualized) | 0.27% (p52 of band) |
| Loans / shares | 46% (p24 of band) |
| Cash / assets | 18.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.01% (p18 of band) |
| Operating expense / assets | 2.28% (p10 of band) |
| Vehicles % of loans | 28% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.51% (p93 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 11% |
| Average share balance | $6,907 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,477 |
| Loans granted, annualized | $6.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 5 | charge-offs p90, loan book shrinking |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 |  | charge-offs p90, loan book shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 2 | charge-offs p90 |  |
| 2026-03 | 2 | members leaving | charge-offs p90 |

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

- 2026-09-09 [Girl Scouts of Eastern PA Debuts Patch Pals™, Its First Dog Cookie, and Girl Scout Sparkables™, Its First Allergy-Friendly Cookie, ahead of the 2027 Cookie Season - The Valley Ledger](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1PZldGVzhNeTU3eTJxMXZTZHNrMWktdW8yTVRQcnRyT09SS19KU0UyQmRsNEtMTm5rNTl4UEpNSmFIczREV0laaktmUFRTZw?oc=5) · The Valley Ledger
- 2026-06-15 [U.S. Eagle Federal Credit Union honored by nonprofit for family-friendly policies - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMiigJBVV95cUxQT2VsaUZaUE5jdEw1a0JvM3dIY2NOcnQxbTdnRWw1bmg3WmJMUnc4eTI3ejNaX2xERXBJMXZ5V251RlpsVzVkNXFpR0U0Mnl4M1psZHF4Y0pRUjk0cG5aZmI1clRPM3B1MU9kdjYtc1NmU0lVSWE0c0dqVU5jTUtpTDA4eExlX1NoUzJocTJrNkR5YmVzcmVoUXJvZnNuYS05Z0FReWlZbTh1RGVwVjRnenZBckk1cmRGLWtiSjg5X2Zld2trUm9Sa2FYMHMzRE9FUnM2ekpwVGhIV3hrdW5DMFV6RU1GLUxvbVF2ZmthOHdaTXJJSldhNmhCT3pHS3J1VU56clhDcFIxdw?oc=5) · Santa Fe New Mexican
- 2026-03-05 [How to choose a bank aligned with your values: A comprehensive guide - Bankrate](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONnBUT05xVWo3Qk90M0VrOTJvRkRUMGxOSFRHWVZmenJ3RE5teFE0UnZEUVhjTHVUVEJPbUFZLWZHQ19wQjlNX2x6dnd3aU9jWEtqNWNzQWpJQlJWc2tMVGJ0clBLY1NHSVhuSVFTMTZSYUMteWFqWS10b21IdmVfY1ZkQWFQMzho?oc=5) · Bankrate
- 2026-04-10 [Looking for the Best Credit Union in Pennsylvania? Consider These 5 Top Organizations - Grit Daily News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE00OTV0Mi02M01DcEVlTXJsVWxTVVA1XzdKdEl0b3JmeGp1ZlpRYnFZbEFNYkl1dDh5WjRicUdQdDV0TkFOVFBRb3BqZVNsb0VWQzRBSVN4QVhxTzVpLUZhVzdLNi1jXzg?oc=5) · Grit Daily News
- 2026-01-07 [Best Banks and Credit Unions of 2026 - NerdWallet](https://news.google.com/rss/articles/CBMicEFVX3lxTE9SUGl2YUZhem90ZDYtV1lvbHEwTURmc3A1QjNtQ0MxTnJfdHdhZDkyTVFOR0YtMlBUUmVkRGo2a2JFa3ZRQ3FzbzBxZDlpbm5vNVhobFJld0hUTVBhWW5OWTc1U2lOWEsxbkowOXZUM0w?oc=5) · NerdWallet
- 2026-03-05 [Carl Hennen Obituary - Rochester, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNjlQTEw3M3dzVTlja3E2a1VpRURldWlEbUFOdE1UUkhiZlBEVzBmSHVYR1ZkeENIS0pyYUxYV1RxVFNPSWFPYW9QMDJQVFlrYkd6emt3MEJmRmxOQjhKbnhTWlhRZVMtVVJwUnpGc1owQ3VpY2thTDR2UDUzcGlVQ2xB?oc=5) · Dignity Memorial
- 2026-07-17 [Donna Marie Fernandes Obituary (1964 - 2026) - Bethlehem, PA - WFMZ-TV 69 News - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPWjFLc2ZxNDY3cmdDQkRMaWZ2Q29pdWpzUFQ3bnczcXJxSjYwNlJiQWs1M3huT19rb1NFQWM4aXlNOGxiQlg5UHByYzQ1ZHVESDJyZjRjXzJ3Qk1tUUlRVy1pU1NxUU5QcE9oZ0NRV0xGRGFpT1F2Q1VsZjNEb05zcy1ubDcyaXVmcHV3?oc=5) · Legacy obituary
- 2026-04-13 ['Hairspray The Broadway Musical' appearing at Lincoln Park center - Beaver County Times](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPMmtGWVMyZThTZ0VNNEoxVGhaanlkRmVzRmFZMlBBaUtRQ0RYREpvSnBFcno4NkJjYkNsZEpnaHk1QmhTUlp3TVVscXlSZ1NfSEZxeTFWOVY5OEFYVEtZcTBwWUlNMUVqbmloNm4yR0xzanJsekJreTBUa1B3a2lScXJpNjZkQUxYSGNuQndXNVdvMTVRVW0ydk5MbUYwcE5wMzlBYkIwcW5CQ3hUY1J5YktXS3UwYXRrbloycG5zamVuQ3lyVVpCcGxuX0h1TDc5bkhaZ1kzajJpdk9sa0d5Q3QzRU9nWkZNbjJCYkVXVDVjZU0?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10184 (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/8.json (key "10184", 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=10184
- 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