# CARNEGIE MELLON UNIVERSITY
PITTSBURGH, PA · NCUA charter 1101 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/carnegie-mellon-university-1101

Who the members are: federal charter, educational (single sponsor), organized 1936, low-income designated. 1,294 members of 13,130 potential (9.9% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.0M |
| Members | 1,294 (-10.9% YoY) |
| Full-time staff | 0 |
| Net worth | $1.3M |
| Net worth ratio | 10.7% (p38 of band) |
| ROA (annualized) | 0.26% (p50 of band) |
| Total delinquency | 1.13% (p70 of band) |
| Net charge-offs (annualized) | 0.30% (p75 of band) |
| Loans / shares | 19% (p8 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.82% (p21 of band) |
| Operating expense / assets | 1.84% (p15 of band) |
| Vehicles % of loans | 68% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.83% (p67 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 31% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $5,745 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $7,134 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 | delinquency rising | net worth falling |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 6 | net worth falling, delinquency 2x band, delinquency rising, members leaving |  |
| 2019-06 | 2 |  | thin capital, net worth falling, delinquency 2x band, delinquency rising |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 2 | loan book shrinking | assets shrinking |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 4 | margin squeeze, members leaving | delinquency rising |
| 2021-03 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 7 | thin capital |  |
| 2021-09 | 6 |  | thin capital |
| 2021-12 | 6 | losing money | members leaving |
| 2022-03 | 3 | assets shrinking | margin squeeze, delinquency 2x band, delinquency rising, losing money |
| 2022-06 | 4 | delinquency 2x band |  |
| 2022-09 | 4 | members leaving | loan book shrinking |

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

- 2025-12-12 [2025 INI Practicum Showcase Celebrates Student Successes - Information Networking Institute - College of Engineering - Carnegie Mellon University](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8xTlZTb1BEaTZwSWFDaWpQaEhEZkktUVhnNnN4WXJYNTZjVVJWRlpUbnlaRmFrZHM4Xzd5OWNkOVhjSEQyMnU1ckk3bmpJVjhqdlllbkdydEJGeVlJU3lwYVY1Zw?oc=5) · Carnegie Mellon University
- 2025-11-13 [Joseph Yurso Obituary - Virginia Beach, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOUjZBZEkyMDBFdHlrRzZVV0t0UE5DdG40MTFxWXBtRFZBNm9XUngzdmJZb282SDE5N3Nya0h3VjNUMFJfNUJCLUFGWjBWQ1hZeGFrZ2w5czRlSjdjVm1fMm16VVFlSFR3NGFmRmNuM3E4M1ZoV2RMekVXVTlkYWtSQW51ZDRFekRjLXc?oc=5) · Dignity Memorial
- 2022-03-19 [Valerie Kwiatkowski named Executive Vice President of Information Technology at San Diego County Credit Union - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPeWFnTGxxOV9JQzhXaGM1TkVfMmUxbnZlZFQ2LVNpWTl3SG0xdm4xZnJ4bzczQlQ3eTJwaC1oWXEwM0JnTzJuRXNCb1hMOVEtRXRUb3RVd05SZjRFbEhlU3ZsTlBQbllvQ3IwaWVhZ005ajFRRXhBN0JJaVB3Z3FwcUJrcDhnSXBkekx0RTR1Vl91clUxMVpRbXNKRTdyTmtwN2dNRXhYeERVdVdjNjJ6TDFua0s2Q0ZGOHlCekxhV2lTOHZpeGZucl83ZGVBYWdaRzhPY0E3S20xd1FRczVTU19MQlQ?oc=5) · CUInsight
- 2026-01-06 [Volleyball Ranked 16th in Final American Volleyball Coaches Association Poll - Hope College](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQS1tSjhYc0ZQTDktWXZWR0dkMnp5M2Y2d3hqX21xN29RQmNxQzBfR3E4SDR4R3p3ZWJPTXk0MU5JZ3ljSlB3M1FiSW5ldWJNNWtuc01YV2h4VFcxX0YyeUpUVVVaYXg0dEdEVnFvNnV4SHdjWl9IVHpoZnpucGZ2U3Q5ZjhlbFM4U09zU2FDOGRwMUxpUldNMTVNX0N0ZExnNnVLVU1ydENfQ3Q4Tm1RaVF2NVJOa1JMSnJJbDg5eFQ2NjFYaVR0cQ?oc=5) · Hope College
- 2026-05-26 [The City & State 2026 Forty Under 40 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMikwFBVV95cUxNN0Q1dTVBWFZOdXpjZlNYaS1ieUNpOGMwN0ZuVExpRVZGZVI3LXY3N0JlNWFaLTdoUzRZU1JiakVFZzJvNXNybTRFTWs5cXpWd3hvTG9NYUE5TWFRVmt0cEp2dmxYeHNCQVhiQWF0NjU4YzlRNGJMNm9SVzQ2WS1pZ0dOVnJPV09XS1pxRzZhSkVnSVk?oc=5) · City &amp; State Pennsylvania
- 2023-08-23 [A Marianist Heart - University of Dayton](https://news.google.com/rss/articles/CBMic0FVX3lxTE5RWTlTNDhxWnNhUDlZODFHZXJNak5qWjlIM1pUNGxrcEpPOGJzZ2RXMnhkQ29GeVFfYmUxMk0tZDRzdGhwV3JoMDRxMk9TQmZHTE5QcF9xdEoyYXVWMUk3VHc0QnBUYXVvUHV4VnpheFZ5WW8?oc=5) · University of Dayton
- 2020-03-25 [News Briefs - Carnegie Mellon University](https://news.google.com/rss/articles/CBMie0FVX3lxTFBndVBCZ1BxazRXT25fNTR1Q2ZVOGgxYjdvYnVVSnMxV05vUHZhNEx5VFZfYVBPV1AzUUo5alFBdlBJSXR4UFhfcjFGZGo1NkVKZW1ic0FxSHJZN1VwQ0I5aTFTczJaOEM0WHdNaHlqN2pYbHR3Ym1FRkdZcw?oc=5) · Carnegie Mellon University
- 2023-01-23 [Kulikowski named chamber’s Citizen of the Year - reflector.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQMFVyY25oTXJOY0t3NXY3aHVvdFI3SE9fTUw0cEpySnJndXN6VnN0NkptNHBPN2lvUE9FTDYyNWRvRTVGcVZFUnlaRWN5Q1cyMHU3UEs3UVRvVTNyaExnemV1Vks4SzNDWE9CVTVRbXVZRm5ScV9XSTFfLWtKRXk2MVdyNGctUmtLZ2xFMTZ5NTVMM0xFeUZURWNCdmNLaDBLWkpBYWw5cmlXM3ZzNGtUZUNXRU5QV21tQTFZdFE4QkpaWFpsbjBQRWdVOThzMm1COWc?oc=5) · reflector.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1101 (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/13.json (key "1101", 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=1101
- 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