# WIDGET
Erie, PA · NCUA charter 1117 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/widget-1117

Who the members are: federal charter, community charter, organized 1936, low-income designated. 49,171 members of 365,000 potential (13.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $485.1M |
| Members | 49,171 (2.0% YoY) |
| Full-time staff | 117 |
| Net worth | $50.4M |
| Net worth ratio | 10.4% (p36 of band) |
| ROA (annualized) | 0.56% (p39 of band) |
| Total delinquency | 0.42% (p32 of band) |
| Net charge-offs (annualized) | 0.20% (p29 of band) |
| Loans / shares | 62% (p25 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.95% (p15 of band) |
| Operating expense / assets | 3.91% (p59 of band) |
| Vehicles % of loans | 59% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 272% (p89 of band) |
| Vehicle delinquency | 0.22% (p18 of band) |
| Vehicle NCO | 0.17% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 20% |
| Average share balance | $5,531 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.9M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,334 |
| Loans granted, annualized | $103.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.9M outstanding purchased (15.7% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital, net worth falling | margin squeeze |
| 2021-06 | 3 | delinquency rising | net worth falling |
| 2021-09 | 1 |  | thin capital, delinquency rising |
| 2021-12 | 3 | thin capital, delinquency rising |  |
| 2022-03 | 3 | net worth falling | delinquency rising |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling, delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2016-08-28 [The Best Credit Unions to Work For - americanbanker.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQMWNGTDR5bS1sMHVYS09VY2Y2bE15aDZ4SFRNNlFUSXZ5bFlYLTBtNnNnNm9CdUJmTW03SWRDV1VnMEgwRmc0N29PSjN5X0ZvdHowbnBZcUFFd3gxS2xrZlQySFNuMWx6LVhJSENIZWhLaDFhMFQtNnVmRGNSRElUSEVndWtLclgyal9BV3VvWGw2WFNaaF9UR1hKcTNEa3JhT1d4aQ?oc=5) · americanbanker.com
- 2013-05-02 [10 Noteworthy Credit Union Name Changes: Vibe, Widget, Nymeo - The Financial Brand](https://news.google.com/rss/articles/CBMimAFBVV95cUxNc3JLdG9OMkJTZFptSkpBTDRRd19wT3dqYTQzdmhfM0d0N0FQdm5QY29uUDIyNExWcWlzeEhjYjJGUnFHd3pqZ1Fzb3FTaWhocXU3X0dDMktoQ19kMF92Y2tnS3RSQVA2VHFsNFJLOVRZZ1pDTFhnNzByTHhTNEFwbWMzeTBUcl9SNGZlTVlZMGFpYndaeU85ag?oc=5) · The Financial Brand
- 2019-05-19 [Credit union officer jobless after bashing Wabtec union - Erie Times-News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeV9qdXVNRDlTbV82Z0VhMlhYdW5SOFo1QVlHRUxiV0trc1lybUR1TWdiUnpDd01jNUJNdUozeTFWOHFtU0tPX2pLWFdWRHNtZ21QcTNtSHVIeEIzU1RqenZwNENUTGM3NXZGbl9NZzdVZk5tbm91Wno5Z09RamlmeUVSNkFmaDhodlJaaUVDQ2c3dDN1cV9kblJFaw?oc=5) · Erie Times-News
- 2024-02-23 [Can you get your taxes done for free in Erie County? - yourerie.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeHpHM0NsNm4wbUVOWFJVS09XcjBaTDFvMXJIbExWSWlmbkh4NkpQRkJvVUlQdnFadk1wQ2w5b25PQ0FlWnpkdFBHVTlUX2JZaFFVanFOTHpqYklMeWp3QUZUZDhxX1RwVk01dUI0VlRVVVFCY3NfRnV5Q2pIcTlDMWNkaHVlcEZrVVc0dS1pdXBLY3N1d0VXeNIBngFBVV95cUxQQ2VzNU9GX1N0bG1ZMGdWV2ZZOVJtV3BOeGZPSWEtWUpPSC1mMXVwN05CZ2YxZmxmYUszOHNPN0tYdGY4T3NNd2RuWGJEMUVJbWp3V3ZGd0E3Q2FFZXVRQk9MRmxpSk93ekFBZWRKU2JnME5SckxFbHpJLV9wNXZyRFdPS2ZpaTcxdWw0d01PbXE1SjFHdm9aUEZYV3Nsdw?oc=5) · yourerie.com
- 2021-10-07 [Rick Vogan Obituary (2014) - Erie, PA - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTEJaWTMtYjhoMDlSVzlqMURONDlGVW5ZVXdNbUhTZlFqTHNnUm0tVUZGWWJXZGhXNnlwb09uenVRUUJBa29IME5IVXlYS01BMUkxREp3VGFZT3BpT1I3ZDhndHg3VVJJb0k1WHNpMFJKQms5TndLQjA0Y3FaSDdqZ2xNQ3ZpWHltNWlB?oc=5) · Colorado Springs Gazette
- 2020-04-05 [Mary Casinelli Obituary (1947 - 2020) - Erie, PA - Erie Times-News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPcHNuQ0lPUl9jUENWd2QzQVY5bTc3MmR4aGNJWnNxOHlCR2ZhZGRQeEpCVHc3STRjSXBEV29EclBJR2FlQUVLN1VIcUxHRUtmdzhGRnR3T3hfWUR5Vk83bWRRYzMtWUktNVdKZFlHY3FlWk14eEZ3UFF2QlFVN19NLVpKWkRaMGpDZTJuN252X0hSd3hLZUE?oc=5) · legacy.com
- 2023-02-07 [Ohio man pleads not guilty to federal bank robbery charges in North East heists in 2022 - Erie Times-News](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQOE1wVFU0ZFVYNUVEZHNISWRHT2gtV0Z3RWI1WEhHQTE2bzlhaTBQYjBHUnh3TGlVbUdXbmc4aG81azhkVjhrZ2FOWVZZeGlvd3N6NEk1emdCVTFYb1hmdkVOUTR3QTdZNHJ4dUhhRjlWaEV3Y2w1c2lZRFo3eEpnM0dBNWdleHpuSHU3akpSWnRIcDVrdDhfeTBYY2kxR1NNTGowNVZIY3hCMzUtWnBqM0swenc5aXVDY2ZKZlQwODREVGlPaHVuaHUyUEVJakdUZGhMNkduZzRDZk1Fd3YtcEZnRmR4SDYwdU1R?oc=5) · Erie Times-News
- 2023-01-24 [North East police, FBI continue search for suspect who used note to rob Key Bank branch - Erie Times-News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNWG1aTVRTbTBYcjhnVDFKS1ZkbjN6M3lpZ3A1UGJfVkdKNDNFUGRGWXc1d1A3N0l6S0JTUWk0MzR1azNlMnB5UDRKLVZ2YkpPYVBZdXEwQUI2SEkwRzlfc3JoUzJ5QV85LUxnQWh0TG5INFdBY3NraVEyd3hBc1VVbkh5UkJoSk50LXpNbDVHMHVvTkZkRWRhcmJlRWtrcU1tVUhDNjhjVk1nY1U0TzNDNUhtbWpMbWplX2VnSG1Lc2YwLTZaU2tJTw?oc=5) · Erie Times-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1117 (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 "1117", 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=1117
- 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