# UFCW COMMUNITY
Wyoming, PA · NCUA charter 10973 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ufcw-community-10973

Who the members are: federal charter, community charter, organized 1956, low-income designated. 15,563 members of 567,750 potential (2.7% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 26.

**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 | $179.5M |
| Members | 15,563 (-5.3% YoY) |
| Full-time staff | 41 |
| Net worth | $27.1M |
| Net worth ratio | 15.1% (p83 of band) |
| ROA (annualized) | 1.48% (p87 of band) |
| Total delinquency | 1.34% (p84 of band) |
| Net charge-offs (annualized) | 0.50% (p67 of band) |
| Loans / shares | 37% (p6 of band) |
| Cash / assets | 57.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p39 of band) |
| Operating expense / assets | 2.79% (p20 of band) |
| Vehicles % of loans | 54% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.11% (p76 of band) |
| Vehicle NCO | 1.27% (p80 of band) |
| Repossessed % of vehicle book | 0.01% (p65 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 15% |
| Average share balance | $4,881 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,128 |
| Loans granted, annualized | $14.5M |

## 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 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | margin squeeze |  |
| 2018-06 | 3 | net worth falling, losing money | margin squeeze |
| 2018-09 | 0 |  | delinquency 2x band, net worth falling, losing money |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 3 | delinquency 2x band, assets shrinking |  |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 4 | members leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 3 | loan book shrinking | delinquency rising |
| 2025-03 | 2 |  | loan book shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency 2x band |  |

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

- 2026-05-22 [Photo gallery: Reader’s Voice Awards ceremony - The Citizens' Voice](https://news.google.com/rss/articles/CBMijgFBVV95cUxQd2RpbHBKMW04VXhCTmF4TjZwUWFiMWdFaFdScUFGVFhTX3RaSDRIZVlKYjlMSWJCVG90cE9hemhKVnlpVHV0Y1g2clhFaVRZMkNiU3pjMFRxTTFuMTNCaE4wRDlUWmEwVURvanBQckNBLUdtUkdRbjMwYWY2bDZCLVZkWHAxbk1aS3QwYmtR?oc=5) · The Citizens' Voice
- 2019-05-06 [UFCW Community FCU CEO retires; new CEO named - The Sunday Dispatch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPT0Jzam5yT0hZZl96RFFQeHhlaTZac25tNW5xaGMyQzZObFJ6ZmlFRy00YkZiTS1vRVNhdkRoMlR2U3hiRk9xQkFWRGRSeEpaTlBoUUJVYVZldnlXTkgyU1I3QlA2TW51azVhYWRuVmh2LVMwcU9IbThlTVg0S0VHUmVxQWNxMkYwMW8zQVh3MVdvZw?oc=5) · The Sunday Dispatch
- 2026-03-06 [Tea & More opens in downtown Pittston - Times Leader](https://news.google.com/rss/articles/CBMihwFBVV95cUxPXzJOQ3hLbWR1aThQbk5BcVdscDBLVzFvd1hqc19WY2ZyOF9MdFBISHMtYnE3WVpEeHhINEdjXzFYcnRzZkhJSTlmdGVDd1ZsUnRYRnl1bjJrNFdIakdHaXFOZ0VCV1RlVkJyOHhLTy00OWdEOHRpbFRnWDV6RHlzTnBHMXJPSFE?oc=5) · Times Leader
- 2026-03-18 [Swoyersville woman gets prison for robbery ruse - The Citizens' Voice](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcWNFTS1JUWlyMWlfMVR3SFlncFBDQ05LSzBkQTRjNm5BSTBEaXZWOFhsbTJhSWtoMWhSa2hvc0ljOWxidWZpNjh0YW1LTThJRjlzT3ZnOW5aYlJhQTlwRElYWmNwb2dDZnFXWnVUYlBqQWdqSE1UNkhUX2ZfWTRYTXBiWW1XdTZ3blhER2lVQlZDVkE?oc=5) · The Citizens' Voice
- 2026-03-06 [Tea & More opens in downtown Pittston - The Sunday Dispatch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcEpwdUd3aWp2amNBaW81MDd3bEttWF9ja211czA5UDUwOEd6RjhIM3FZV1JJcjF6bkVUVnBXYkg1bnFfY2dTd2kwMUYzRW5ya2NnRUExMDBxZDhOcWRSdmREYUF0eFJoTERGMFFFVFBWaFA3LXVJVGE0cWpFbUp5Z3NhUDZKVndmaFdZ?oc=5) · The Sunday Dispatch
- 2025-01-27 [More student housing coming to Downtown Wilkes-Barre near King’s College - The Citizens' Voice](https://news.google.com/rss/articles/CBMiswFBVV95cUxNZ3F6eUdxdXRrS09NN2tITFpsUTZZOUhJTFRjMHFrUVhqdEJnQmt4Wl82YVRHd2Qya2R6VTkxV0JPYkJxcUpfRlU5S3V2S2ZKQUR4Sy03M0pjaEhDQUdNQllxcEJaNWt0R1ZRZ1dqTkJVOERZRjRNMExkSkN6Z01TSzdXUnJyM3B4Vk9OSDNFamJLOGFTMUQzSW56WGwzZTVkblBJWGU3TnQzZXdsbjJ5SEFWUQ?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10973 (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/29.json (key "10973", 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=10973
- 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