# COMMUNITY CONNECT
Titusville, PA · NCUA charter 11172 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-connect-11172

Who the members are: federal charter, community charter, organized 1956, low-income designated. 2,867 members of 189,792 potential (1.5% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $27.2M |
| Members | 2,867 (-1.0% YoY) |
| Full-time staff | 8 |
| Net worth | $3.4M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 1.23% (p78 of band) |
| Total delinquency | 0.83% (p57 of band) |
| Net charge-offs (annualized) | 1.15% (p87 of band) |
| Loans / shares | 53% (p43 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.28% (p66 of band) |
| Operating expense / assets | 3.88% (p57 of band) |
| Vehicles % of loans | 53% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p88 of band) |
| Vehicle delinquency | 1.40% (p72 of band) |
| Vehicle NCO | 0.56% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 2% |
| Average share balance | $4,742 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $126,430 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,784 |
| Loans granted, annualized | $4.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $126,430 outstanding purchased (3.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | expense trap |  |
| 2016-12 | 2 | net worth falling | expense trap |
| 2017-03 | 2 | members leaving | losing money |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 | assets shrinking | delinquency rising |
| 2018-03 | 3 | losing money |  |
| 2018-06 | 2 | net worth falling | members leaving, assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 2 | delinquency 2x band, delinquency rising | losing money |
| 2019-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 2 | losing money, charge-offs p90 | delinquency rising |
| 2020-06 | 4 | net worth falling, delinquency 2x band, delinquency rising | charge-offs p90 |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 1 | margin squeeze | losing money, net worth falling, delinquency 2x band |
| 2021-03 | 4 | thin capital, delinquency 2x band, loan book shrinking |  |
| 2021-06 | 5 | net worth falling, charge-offs p90 | loan book shrinking |
| 2021-09 | 4 |  | net worth falling |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 2 | net worth falling | margin squeeze, delinquency 2x band, charge-offs p90, delinquency rising |
| 2022-06 | 0 |  | thin capital, net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency 2x band |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising, assets shrinking |  |
| 2023-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 | net worth falling, losing money |  |
| 2024-06 | 0 |  | assets shrinking, net worth falling, losing money |
| 2024-09 | 1 | assets shrinking |  |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-10-10 [Search underway for suspects accused of stealing nearly $60K from Pennsylvania ATM - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTjV2ZTZJVnVMUFN1dXJqc2hlclhHSTJUZTB4dDlYaEFVeEozYmxyRlVaSHVGU1dUb2R4MmdzWEN4QVZkZXR4VmZZTDFOU1JCdllteEdnajZqU3ZmQXk5ek5MZi1IQTIxdzRiZkozWC1UWU1ua1hUcXpRRm1jVlFLX0pncG5lcUg1RGlB0gGQAUFVX3lxTE01NlJuMUpyQThuZFI1NEd1RDZPMU1tZzR3Mmo3NHdEYmxuZ3ZzV1RoalQxSU5pSnVUYW9hZUppOF90b2NCYWhGSVdkRkxSa0lJUjJxaEkzcXZKY0g3NWk0TXZVVUFVekJwT3J3Z1ctWjcybXpLLXltX3hjZ0NtSHVVZTBzVFZWT1pBc21SaXZQdw?oc=5) · CBS News
- 2026-06-12 [Suspect Pleads No Contest in ATM Theft in Titusville - WFMZ.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOMXBEQ3RsUVpILVdreGk4OFYzN0FCUXlPTlRWdlc4OVpSMDZjUGsyWm9GNjhRY3BWM1h5Vm5UbnVHc202bVRfRVlsVU9uUlpFWWV1bkh6THNRSFBleF9aREY0S0NYbzR2M0kwYmZVUy0td3lqeFAtYWtJWjYxQWFXaXZGUE9RUkRiTlBwREFZR1V5WGVVQy14cGVGMXZmVGVrTXhZRGdiSjB5STBnMnA1R2pfYlFaLUZJTGxUXzE3Zi0zUHFhY3dsLXZlYXVLX2c?oc=5) · WFMZ.com
- 2025-10-09 [Police seeking information in $59,000-plus ‘ATM jacking’ - yourerie.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOWktMVdnREhNTXNCWEgzTXhueThyMks4bHpVbHZlREdjeGRqWHVjbm5XOVI2NlhaZEMyMTRUclhtblVTLXVmRG1IanRIWFR2aUhKT2tFVmZ5RUFweEo4NWkwcFlnYmhlUXA4WW5Hc3YwMmExc1BBX3RTd0oycVpVeTBnZ3ZqbWxvVEFLRE9iNkpnRlI1cE5WR09B0gGfAUFVX3lxTE9mY3JubGU3NFVtQVJvYzZlNGg4WHI5dThHdWo2elc3NkRzZzFhZm5TUFNSU3luMFVLdU1LMnV3dUZ0d2JPZjBoa0QxaThGMDl6c0k3bTc2VkxiOU5lNlRtN21EZThrdUtpQUxEdHREbC0wckZMTVBQSVc3aENnZXA3bmE4Njd1NnJJNWhSMkJxTlhUakFuQlplekFWcXlQSQ?oc=5) · yourerie.com
- 2025-12-18 [Multi-County ATM Theft Investigation Concludes with Arrest - erienewsnow.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPVGpOUmtNOFFEYWlmaDVURl9BRUozOWR2M3lFLUZHZjNoWHBTUjA1dHB3dV9wQVVhbDZQVk15NWUzREpVRk5uRWVsWlJOa3FHb2MzYWU1Qm9kZGdPS3lRcERYUFdNMmhEQUVfWUVfY3N4TS1vMjhUVFg2NjZWcGgyR0pENFltMHJHbUpqamdZRzFaSHJOUHU3TFhPYjU5SHBSZmJwOHJXczVtRmZ1U0U1cl9xV0RKb2RWNjQ3a3RFOGRXandSd2FmNW1CVFdNNUNTZ2VmQmx6eFU?oc=5) · erienewsnow.com
- 2020-06-29 [Why cyber insurance is taking on new urgency for credit unions - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxPajZ2Q1RNLTViVlBmc0RyR292WWV2YVY1QVAzMlNwakNNUk1hZ01taFlnUXdmTHBBV19NMFJmZGItZmRLR0pqLXJqVG04cUFGUkU3d3Vva0xEbkdQZGpSZVYwU1E1MHRwX1lWSS1rNVF1eWhwUy1WdXQ3Y1I0Qk9vbHRLbGI0eFRRaVZhZjNNTWF2cDNMMmxESzNUQk5BcklQbHYyMi1HbGdSbFJ1RGJEcw?oc=5) · American Banker
- 2023-06-10 [United We Read – Author Event with Pablo Cartaya - Franklin County Free Press](https://news.google.com/rss/articles/CBMifkFVX3lxTE4ydlluNng3dkR0QU5qVEh1cXJheG5KTkFHOU11azFobzB1YmNWck5zdGtrbm9oOG1fLVllZkQ1cUwyNGk0aVhkTnl2M2VETHVpTm1XQzVjV1AzLUpEcl9jRGRmQU04WGJPRFZQWWxNM2xhZ2NOUXUwWmx1NzFmQQ?oc=5) · Franklin County Free Press
- 2023-02-06 [Obituary for Burtis J Franke, Sr. | Gordon B Garrett Funeral - Gordon B Garrett Funeral](https://news.google.com/rss/articles/CBMib0FVX3lxTE5BeFh2Q2NkOFFKOEFlTm11VXkxMUVCVUJGcDkxdnppYy1nVGpsOVMwVHFxS3ZiWE9EcFRscUZkUDM2TVRFcllEMGRvSTlzVnA4OVhsaDFRM2UtZXNjSEVmRlNkZWMySWhQTVlIZnVMUQ?oc=5) · Gordon B Garrett Funeral

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11172 (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/36.json (key "11172", 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=11172
- 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