# P C
PORT ALLEGANY, PA · NCUA charter 10704 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/p-c-10704

Who the members are: federal charter, multiple common bond, organized 1955. 1,402 members of 3,345 potential (41.9% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *auto monoline*. 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 | $14.3M |
| Members | 1,402 (-2.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.8M |
| Net worth ratio | 12.5% (p34 of band) |
| ROA (annualized) | 0.29% (p37 of band) |
| Total delinquency | 2.88% (p86 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 84% (p86 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.02% (p19 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 64% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.87% (p86 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 20% |
| Average share balance | $5,047 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $14,112 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **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 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | losing money |  |
| 2018-03 | 1 |  | losing money |
| 2018-06 | 2 | assets shrinking |  |
| 2018-09 | 0 |  | delinquency 2x band, assets shrinking |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 1 | assets shrinking |  |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band | assets shrinking, loans>95% of shares |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze, delinquency 2x band |
| 2022-03 | 1 | delinquency 2x band |  |
| 2022-06 | 2 | assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | net worth falling, auto monoline | delinquency 2x band, delinquency rising |
| 2023-09 | 1 |  | assets shrinking, net worth falling |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 4 | net worth falling, delinquency 2x band |  |
| 2024-06 | 4 | delinquency rising | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | members leaving |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | net worth falling |  |
| 2025-12 | 2 |  | net worth falling |
| 2026-03 | 2 |  |  |

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

- 2026-06-01 [Marlene B. Ambrogio Obituary (2026) - Allentown, PA - Heintzelman-Stephens Funeral Home, P.C. - Allentown - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxPODgydFg3T2NoNGhnUXVFX2hIeW5rR1VpcVNBQmJiN1N6QV9jVkVzSnZLTDE5LWJtZExVV24zOTJCajJQaFVLT01pZUVkOTgwNDBzc3FkWUgzTmFrSjlQWmlRWElqMFR1U1N4YWc5NDJwdW9jTS1YR3FsaWNrX1MtS08yck9XZw?oc=5) · Legacy obituary
- 2026-06-24 [Lucille K. Church, 97, Of Roulette, PA - Solomon's Words for the Wise](https://news.google.com/rss/articles/CBMicEFVX3lxTE1mYXpzbnhfLTAtazdaR19MR1VFQUxGb3QwZGRiTXhjVklYYU94OHl3Nm5CaV83SVV4Y0oxSlJFZGZOb1pSRnRyWHptMS1hdkxFN2FxcVBpVThkNVBRNWNManpxSWdDbUQtUWdiZjNqSDU?oc=5) · Solomon's Words for the Wise
- 2023-07-24 [Franklin Mint Federal Credit Union Confirms MOVEit Data Breach Affected Over 140k Customers - JD Supra](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTDZ5ZEliQWNjYmoxU2ZtSzh6VVA0cklxVnlpdGRHdkgyTTkyLUxjcDhKTWxUZHZEMkdOZXBBX3FxcmVnLXpGN3EyMHNGUjFtdTVMQnRfX2VneHctemhycWhQZTZYdTIzRVJHN3BMZWNQVE1YWXhWQl96VzFrcE56Q3J3MA?oc=5) · JD Supra
- 2024-03-05 [Maui Department of Water Supply fiscal division relocating to Wili Pā Loop in Wailuku - Maui Now](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOZFNIRWNHTHZvOGlNMmhKekw2b3c3QzhWVFpFUThIcmxQX3JxX0t5Nl96eHozNFhpbVVfNFVrR1Z4QmQ1cl9YTGlJa0xVdW0yX09zUGxVRHNEVnl0SkNOcXZkLVRBMkd0TV9ha2x2clo1cDVhd1RObW5rV2c4THhRdVRNeC1pOFV5eG5Kc1NVYnJ1NVJpT01UZklzVDRpaW9qV1UtUUItUnYzU2IwdThNTjhmdnphVG9r?oc=5) · Maui Now
- 2018-12-05 [Freed Maxick CPAs P.C. - rbj.net](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9laC03d2hmUzJvREt2RUpIVTZHUXlkcnMwS1NoWW8ycXdydVdsczdza2ZfWlpZRUtzeVdvTEthNTBMYzJLRF9uMDBsUWp1OFY3UkhlS295Q3Y3MkV5Z1JmWQ?oc=5) · rbj.net
- 2021-10-19 [Henry Goodspeed Obituary (2016) - Nazareth, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdjdIUTdwdC05QlRoQnRfeWFlTThsRlpjdE5KQk16OVNNemM0Y3dvbHZtb19pOVpjd1RsMFhHbnVCMHFMa2w2ck9qVWR4cnRxMUk5OHByWFNPVkt1aHNIaF94U3pCYmpjTk5uYWV1S04zSkp2eV91RC1xVEkxLWJTeE55MmlvQlh3YTVPRnJlM1hXTzhkOGgzbTdFbw?oc=5) · Lehighvalleylive.com
- 2025-06-26 [$23M TransUnion credit report dispute class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizwFBVV95cUxNdWgtanRXakFXcXpEczFLaThUdF9pbmFWUFI2WGhWZk81NS15YXRNME5wTFQ0bVNheFVmbGZPYlpKWXllMU5TWDNjMklQT0ctc0tTZi14UlM4SHQwMjlYcEw0YlVoVDNXMGVLcXFtdGFQVXJZbk1yckdYb19DaGZJaE5xZHhBSzlkSDVlallEOU1Ja05ZT3dtQlIxQXYwSmR5WTFsRWc2NDUwa3dXZU9vZWhsWjlDTmpnSlVuamYzRXRsZ1AyYkNROXpVcjdpN0k?oc=5) · Top Class Actions
- 2020-08-31 [Hawai’i State FCU Awards $100,000 In Scholarships To Hawai’i Students - Maui Now](https://news.google.com/rss/articles/CBMingFBVV95cUxPdVkzUkl4UzlVRUp1bVJZLXk0ZUJ0RUpHc2xhblFJcHh0aWRaOTZrbG43MzJSZ1lVcVBSRnNDTkNDN1RHUnFPR3pKS1Z1ZmtmSmVmdUVrVEZTQjdKZ0ppaFA1a0F3ZzBESWkyVHVZdkNjU2k2LTl4N2QyTThHanhxOS13R1hCN2w0cUhQalAwdVFVRmpwOXB6bGpDcUxYdw?oc=5) · Maui Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10704 (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/16.json (key "10704", 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=10704
- 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