# PACE
Huntington, WV · NCUA charter 11323 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pace-11323

Who the members are: federal charter, government (single sponsor), organized 1956. 1,200 members of 3,000 potential (40.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.6M |
| Members | 1,200 (8.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 47.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p48 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 76% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 0% |
| Average share balance | $4,719 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,083 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising | losing money |
| 2017-06 | 3 | losing money, assets shrinking | delinquency 2x band, delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 2 |  | losing money |
| 2018-06 | 4 | net worth falling, losing money, delinquency rising | assets shrinking |
| 2018-09 | 3 |  | losing money |
| 2018-12 | 2 |  | net worth falling |
| 2019-03 | 1 |  | auto monoline |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | members leaving, auto monoline |  |
| 2019-12 | 1 |  | delinquency rising, members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, losing money |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 | loan book shrinking | losing money |
| 2021-09 | 5 | losing money |  |
| 2021-12 | 3 |  | margin squeeze, loan book shrinking |
| 2022-03 | 4 | margin squeeze |  |
| 2022-06 | 7 | delinquency rising, charge-offs p90, members leaving |  |
| 2022-09 | 3 |  | net worth falling, margin squeeze, delinquency rising, charge-offs p90 |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 1 |  | losing money |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising | assets shrinking |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 5 | losing money, margin squeeze | delinquency rising |
| 2024-09 | 2 |  | members leaving, losing money, margin squeeze |
| 2024-12 | 5 | losing money, delinquency rising, loan book shrinking |  |
| 2025-03 | 5 | net worth falling, members leaving | losing money, delinquency rising |
| 2025-06 | 3 |  | loan book shrinking, net worth falling |
| 2025-09 | 1 |  | assets shrinking, members leaving |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 5 | margin squeeze, assets shrinking, loan book shrinking |  |

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

- 2026-02-21 [First Choice America looks back on a successful 2025 - - Weirton Daily Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMXBXYVdGdWFIUm1oNTQ3S285TVlWTjhPUWJJbVozQWVSTVlxTU5wSU9XOGtOZ2ZJa1piS2xaUGwwaWcxWGZzWHFPekl1RkI5bFd4SHFNLUNnM2c0QkMyWFVIQVRYVWVnTzhSZmE3aGlZd0h4WTVkeVZzbFFyNzY5b3o0U1N5dG11cnJKV0h3b000cE53MS1mUFoxRmoxZVZ1X293VnhSU28xSzlzeEE?oc=5) · Weirton Daily Times
- 2026-06-27 [US economy expanded at solid 2.1% pace in January-March, government says, upgrading last estimate - WV News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOZUJOSXI4YTZPNW5kSE1DT2NoQTV2M0s5cmRWQW9YbkNVUkRKcU9HY1YwZjVfcHU4NnVTODRuYy1VZWNhRjVhUEgxUGxlZ1pITTNqa01DU0Nsd1FOQXg1d0lVRkZsemxJNVlEMjNyUXlxLXhQT1ZCeWJqN1hWcHYwVkZmQkkyUnllekhEMlNmMGp0eWVwVC1xdDhZRTRaUlZlVUhlMVhOd1V3RElHdVhJdjZJanNIcmhkRmNvSjM1UFF6akQ2Sm44ZElqWGZaaEtxSl9xeUpIdm4yU0pudVg2aGRlcXpfSXlRZzFsOTF2VQ?oc=5) · WV News
- 2025-04-30 [States Lose When Credit Unions Acquire Banks - Tax Foundation](https://news.google.com/rss/articles/CBMibkFVX3lxTE9kUmRIaUpEYXlWMG9ZQ01lbi0yVjQ0bDMxR2swelMxNlRiWVd4X0NKcVY3U0NiMEpqLXJkS0JGSHhCLUJPSjIzZzBCdjM1cmhDZnNUR2N2eWVFM3ZnaU1BT2taWUZKeE9XbktQcWpB?oc=5) · Tax Foundation
- 2024-06-24 [Credit unions have been buying up banks. Here’s a running list from 2024. - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTFBOREJfRnRFejN3SWJuYmNiR0NuUUpINThmcE5BbFcxX0xUZnNLRm9ieEw1Uldjb1o3em9FLU4tUjhNV2V6Rm5aZHl6ZFVXZ050dFFOWFV3YjVLX3lBbGxMZFZTX25YSXMwNFMtVDhJZjJqM2NYem9yTGhTMA?oc=5) · Banking Dive
- 2023-09-26 [Monroe County Courthouse News: September 19 through September 25 - therealwv.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOZXBTWmJ3R0tmUjZYQXM3MC0tYXRVcV9DZ2pzWTFwNU1pQW5Xb1BNUTczbUtSYm9LNUZra0xpTERQTkhIb2dHcGk4QktrU3dnSXM5ZFdLekNSeEJLVFQxTlJfZ2xVTUM5T0M3RWpDc2ZhazB0OXVqbWtxZmh6OEcwNGdOamtPT3RtdjVCb0p3OE5vUnBVU1JvbVE1dm9CZw?oc=5) · therealwv.com
- 2018-10-25 [Business Beat: Grand opening set for new Huntingtonized Federal Credit Union's Lavalette branch - herald-dispatch.com](https://news.google.com/rss/articles/CBMikgJBVV95cUxOTGV2Vk9uWEw5UXVkalJOVU9MOUhrcGI3b2NrM3h1QW9WX0tuV0FIdmdFaVRCSzJnSEdiR0xBQVpITnNTNjFtZWE2SEtJNlo5LV9vVkxaa1hhalFJb2FLRlZTY2dOTTdTNlZPbTdzVGZzM0YxV2F4TVd3YUUtdHNwdkJZQkZtM09hX0xOckM1b0RxdWZ1VVQ1NUN3aUQ5M1hTSjNUTXZqckxqOWdIWEE5NmluaDFramRFcnZMWmxROWpKOW9YZFo2NEJMQThQRW1pTWs0UEJQZE1XM3R3YkdRV1lrbnctUnJ0V3czWHpWMzB6X2F4UnFHMTJoaFJEUnhaZEg0eFlSQXg4SFRqRk90cHdB?oc=5) · herald-dispatch.com
- 2024-05-29 [Los Angeles PACE renovations $12M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiygFBVV95cUxOOFJLd0hDdjh2SVVxOS0zOHhiNTI4NHk1R3hvTkpjNWhjQlVURGhVVkpSZWNJSE1IS3ZrbE1IcFNiS1prVHJVemsyUG4zSVp5NzExcVRNa3NEWnFodnF0TGQ4THlVbUwzU1hhM3R3RlcwbXVPMHk5RUx5Q1JveldRS1p3M2VRVGkzQzFzWl9JX2RqbjJ0QXp1bnRBaUkta01PNTFhdHFPUFRJTDBrZThzeUVSXzcxMWRHTEwtTV9YV204Q2JlclFKUEtR?oc=5) · Top Class Actions
- 2023-02-12 [Flower power: Toyota WV's new solar arrays advertise sustanability commitment - herald-dispatch.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOWmRuWG5OQTh4blB0SVJTOHFLZ2M5eGdiWldJbF8xX3VOVTIyM3ZEVFBJc29DS0lxUkljSVY1OHdIR0h6RzFtQWx3a2ZfV2VyRnN1RXQ5SW4wSHlfTmNNdThIQ2EyLXBrNTFNNzVHS1VXQmJGSDdSbVhOdnZZdmVnZmhfQ1dfV1RNaGdrak1IRG1RaWowR3JPS1VmZVBVTGR0a0owOFh6RWRsa1ZqTmdVRDRPbVczeHJON212ZUI3QVIwX0JfbW42Nl9zYk1JQ09STU5takwzT3N2VTFyM19WbC1UeC1TOUpObFBRb251d0pLMXVFMDBIQXRR?oc=5) · herald-dispatch.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11323 (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/59.json (key "11323", 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=11323
- 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