# ARC
Altoona, PA · NCUA charter 11304 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arc-11304

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 14,491 members of 36,000 potential (40.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $155.0M |
| Members | 14,491 (0.5% YoY) |
| Full-time staff | 30 |
| Net worth | $19.5M |
| Net worth ratio | 12.6% (p62 of band) |
| ROA (annualized) | 1.49% (p87 of band) |
| Total delinquency | 0.84% (p65 of band) |
| Net charge-offs (annualized) | 0.74% (p82 of band) |
| Loans / shares | 58% (p29 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p78 of band) |
| Operating expense / assets | 3.58% (p48 of band) |
| Vehicles % of loans | 25% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 19% (p46 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 0.18% (p29 of band) |
| Repossessed % of vehicle book | 0.02% (p67 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 47% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 10% |
| Average share balance | $5,461 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,031 |
| Loans granted, annualized | $17.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (8.3% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | 3rd-party paper>100% NW |
| 2016-09 | 2 | 3rd-party paper>100% NW |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | 3rd-party paper>100% NW |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 4 | thin capital, margin squeeze, delinquency rising |  |
| 2020-09 | 2 |  | net worth falling, delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | thin capital |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency 2x band |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency 2x band |

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

- 2026-08-29 [MaryAnn (Williams) Claycomb Obituary | Sorge Funeral Home & Crematory Inc. | Hollidaysburg, PA - Tribute Archive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRFp0MlhTdDZ5M0NrclVESWdOd1NJQWZkNDlRODZZRTlNQWd0X3JJOHA0UWZqM2NGcVVCbDR5M3p4enEwQ0k4TTAzNm5DNTBhaHNrOUNQSlVhRnJqcnZFeVFqTDc3b19XaEI1UlJJRXI4RHhNUVJIdTUxeDUyS3B5cmhlQXY?oc=5) · Tribute Archive
- 2026-07-20 [TruStage Discloses Scant Details as Cybersecurity Investigation Continues - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOOVFwS0xFS2NnMF9SQWxfRURZWlFsczVTR2EzR2VEeW0zR3F0SjNUZ2lQd1AwYXdLRERTVEl0WFpFTnNSYm9xbGRJSDR1cUZDMnp5TjRwZTRLTVRfZVRYNFF5UEk3Y2hfZlBJcS1LLW1fOWtuM28tZHVrUzNRTWRhcUt2V2RNaWZ1V1o2cTFiZks0QmxXZUNTZG05dUlPNTFfVWNMZEczSFJFaExaNHc?oc=5) · CUTimes
- 2026-05-16 [Community Foundation presents scholarships - - Altoona Mirror](https://news.google.com/rss/articles/CBMinwFBVV95cUxOVmtwNG9uRU9LSWZjbUEtdGZUUk81dHQ1MmZyNHMyUTgyZFRoMTlzeDE0S3JtYVg0X3JobkVkTWFYcXJha1FHZ2V2dlNnU3BvdFlOUElRZmhvUE1oTGZNSE4wZmpKXzFZWi1wY0o3ZGlSN1ZYX3EyMTliZVdzemxpYjZWTjdSX19FdjZXa1hSRklOcGNtMmNHMjJRUjBZQ2s?oc=5) · Altoona Mirror
- 2026-05-29 [Un tiktokero fue despedido de su trabajo tras desearle a Pam Bondi que padeciera «el peor caso de cáncer que nadie haya visto jamás» - Fox News](https://news.google.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?oc=5) · Fox News
- 2022-03-18 [Jeanne D’Arc Credit Union staff announcements - CUInsight](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcTk4N1dqX1l4Z1VSeXE4SjVaMkNMS0RQWXFfUWYyX09icmp0UFVfTkZCSmVxaDExUnRhRV9mRmoweGpZUlF3REk3TU5iR25kLThsRnI2MnBwNzZ1YkRnMXhaVVVhMnlfZlRVOXdOUWJZZjFVSGE3S1Q0bEpKUkRkNmlxYzBBdFdUWVZmTFhFc2M?oc=5) · CUInsight
- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2020-09-21 [CFPB announces advisory committee members - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQS21jN0FneDhPQUVjdUhmTEdpblpSMW5ORzRqeXl5aWYwSncxbDJmV3MtUi00QUdKRVhOMHRYWmM5TXJzam40X1NfTE9La0F2S1pVU2lxcXJ3Rmh3Qk1zeXgtaEpMQWFtV2Z3VHZmY0lOZUZPOTItdFAzM2kxenYwZFBRMjZFQXE1cUtqdGdfNHpDSTNGelUw?oc=5) · consumerfinancemonitor.com
- 2019-08-16 [Helping four-legged furry friends: Credit unions in the community - American Banker](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNExmSWN3WkRESUdYV0tHMG92R1lfN3h2MjZyWXJXbEU5V05UaU94azlaZ3VfVFBHa0JwcE5TLURnNndJWkw1ekE4OW00cU9KaGkwaFlPVEpCckV1ekg2WEJUekRmRm9rWmpJanFjSU9hVFJHaEctdno4WjFMT2U4QTlaSlF4LWJEQ3NidE5heW13d1pLbGlJaTdmZV9MTzRMSGZDVjJPS2cyWExfZTk5RTg1OA?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11304 (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/40.json (key "11304", 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=11304
- 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