# NORTH PENN
COLMAR, PA · NCUA charter 10720 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-penn-10720

Who the members are: federal charter, multiple common bond, organized 1955. 1,281 members of 2,800 potential (45.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 41.

**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 | $21.7M |
| Members | 1,281 (-3.7% YoY) |
| Full-time staff | 4 |
| Net worth | $2.6M |
| Net worth ratio | 12.0% (p30 of band) |
| ROA (annualized) | 0.93% (p67 of band) |
| Total delinquency | 0.80% (p56 of band) |
| Net charge-offs (annualized) | 0.44% (p74 of band) |
| Loans / shares | 27% (p11 of band) |
| Cash / assets | 73.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.78% (p14 of band) |
| Operating expense / assets | 2.32% (p16 of band) |
| Vehicles % of loans | 37% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.52% (p74 of band) |
| Vehicle NCO | 0.65% (p83 of band) |
| Repossessed % of vehicle book | 0.74% (p98 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 14% |
| Average share balance | $8,012 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,879 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **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 | 1 | delinquency 2x band |  |
| 2017-03 | 1 | net worth falling | delinquency 2x band |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2018-06 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | auto monoline | loan book shrinking |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band, delinquency rising, auto monoline |
| 2021-09 | 2 | auto monoline |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 | net worth falling | auto monoline |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 3 | repo signal |  |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | delinquency rising, assets shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 2 |  | delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - news-graphic.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOSTNENW81a1dFS1RERllubk8zcFhKR0lzRURjdm8wemloX0dqNklobEFOc2wzallsd0hnV3BnUVRzaWcyeUNsZzlFcGkxcEZhM0FRLVdhdDhkdmZmSTYzWE9uclFHOXhxZTBncjU5MW95dlhVQk9kbnhYU1l3MlhRWGdUT0VWcmtUTUM4SUFSSkpaaEZiMHNhXzNjS0RoenhEU1ZmcmVkSWtMSEpCMmwxS0VvUUgzVlRHZ0NtMlpjaTl0Q2thdHNOSjNHZTRmX1VPZXlPMW1FaGVJWUtKZDRfUHNwT1k1emRHWTJFV0Vzb1BVTWE4?oc=5) · news-graphic.com
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - Iosco County News Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxPM29XSUxYQmtrOGJsdEFwMTVKRzd5cGVmNkJkWXVnUU1kQWV4RWNfajlfa2Z1dHN5ZmhlUFBIX1dReXM0TUhla1lOYjlvalpmMDFLMjE1dFNtVnlIRHpnV1ZUUUk0VWdLOVFVdlNSdlNxWlZ2S1Q1UmJKTWNqdExNQWdyMTBVNjhjLXYwNUl2cmE?oc=5) · Iosco County News Herald
- 2026-02-06 [State police warn of fraud scheme targeting elderly residents - North Penn Now](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdjQ4NHpXcG4yVVlPMUlxWXg5SGUtSTdrNVlUZm1fLWxUcENmUGpuYTB2eDh4bTlLcFFwcWNJby1NdXJ4ZkRoSEIyRnNFVjhQUERZMzNuOVlSVWpzdFZfcm51akNZcEwweTNEMnVDZ1diV0ZPc3YtU3hEVVRVUTc5cEZFemlYdlpBdEswS0NObEtfYV9yei1RQTYtRUx3d1hZSGpTRFdSOF9idw?oc=5) · North Penn Now
- 2026-04-06 [Souderton woman lying drunk in credit union parking lot charged after assaulting Lansdale officer, police say - North Penn Now](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPazltS25sWGVCYmUzZ0NFSGpubDlwbVhrTjdQUVRYU2ZyVVlENHRUOEpMUkw1dHhCQzhheTlRcnZxMnhCVGlsY1RwUjRnaEtESl91V0VyWVViaDlac3VlTExzLXF4X0F3aVBQaUctcVJyNVlkdUtfSjAwSXoyNjc3XzU0OWJQa2hwZDZ3amxuVzZvS1JJdTVYcDBIWXZBZVNLMldVVVkyRzd5SWRLUmFjYUJGaUVicnozUjNEMlJyU3ltdG9lSWxaMGJVVTN4anZaSFFTRVFyaHpybFpLbHlENjNtUEt0azNs?oc=5) · North Penn Now
- 2023-09-21 [C&N Donates $20,000 Through EITC Contributions to North Penn YMCA - VISTA.Today](https://news.google.com/rss/articles/CBMibEFVX3lxTE1TOWtqX3RLaEdaNGIyc1E3Y0h1VUZUUjVXUnItekJaZ2U3UXpDZEhuRGQxM2piMU1UalFibURZOW5DNUJ6aGktYW9vODFoR2JtWmlxWkJUY0lEbktyWkMyWUl3S3pWakZnVUFkZA?oc=5) · VISTA.Today
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - themercury.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNNEItTE1Dd3N2dlJFamFEQXkzVW9JRHRWTGtfSW5hdDF0ekZPa2dfSHFDZnJlT2drdTk1eWhhbU9GSmZ4ZmNlRnFoOG9BU0xKd0I5Ukt4bFJ2Ujg1dWJ5N2hfdVhjVGVNMjVoX3pxc0N1dk9BTGZkOG5kZmt6WVZnWUlZcDliM1dTbmNnSXhPRlpkT2lxaE9mcnFHcHFlQlYtMC1yT3lUeWdDdnNLR2ZDWE9PV3ZTWThuM2dqTXcwa2pKNHJPQWRqSF9QUXVoa3VwWk55TkVaYkpEREQ5?oc=5) · themercury.com
- 2016-02-23 [Lansdale Business of the Month: Merck Sharp and Dohme Federal Credit Union - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxQcVhOSkM2OWJKVGM0UlJUeU9zVFk0Y1lmMGs5YjIzVVdsWFowdU44cUZGQzJpWXJ0QUZrc3FXTGotQmc0V0N6UERKY2h3S0RTV2dpc252elhjZ2tIU090T2lrbUJJSmFqb1NBZU1ZeGhvMGVxWU9YaTBHNEtWMnNSU0tsa0xLMVNkSjJodkYwMk85UlI0UmJmNXZoYkdpOHpDNTc0QUFn?oc=5) · Patch
- 2022-06-23 [Jim Hunsberger Obituary Jun 23, 2022 - Williams - Bergey - Koffel Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE85Yks0TllRRWdBM3ZuY3lndWd5MXVob1FwdWFHOU9HQWNqeVBVQkFkMzBacml6cUxpTWtWc0dUU0JTdzF6Y1d1QldQZ3NsWGlqa1k5eUdKbmhPblNydkFHWktfNFM0b08yVDhDb3B1OA?oc=5) · Williams - Bergey - Koffel Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10720 (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/32.json (key "10720", 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=10720
- 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