# YOUR CHOICE
ALTOONA, PA · NCUA charter 11972 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/your-choice-11972

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 1,398 members of 2,500 potential (55.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *quiet fade*. 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 | $13.8M |
| Members | 1,398 (-7.7% YoY) |
| Full-time staff | 2 |
| Net worth | $1.7M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 1.29% (p79 of band) |
| Total delinquency | 0.44% (p42 of band) |
| Net charge-offs (annualized) | -0.08% (p13 of band) |
| Loans / shares | 26% (p10 of band) |
| Cash / assets | 52.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p34 of band) |
| Operating expense / assets | 3.03% (p32 of band) |
| Vehicles % of loans | 60% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.74% (p59 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 8% |
| Average share balance | $4,953 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $6,907 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-09-01 [Best credit union mortgage lenders of September 2026 - CNBC](https://news.google.com/rss/articles/CBMicEFVX3lxTE1PbzV1YVozRlU3Sk1sNEYyU3FLOW1yV1NWRjdsZWpqLXl5c1kyc19BMHBzaG1yRnVQUElnTDNySnNhaEFCdXB0X0daUjVYZl9tUWJ1RldSZWlkMEd3WW5fUnRVWVJKNTBqaUFoZFBFaHfSAXZBVV95cUxQdTk3U2R3TlBLMzhnNXhZOUZ6S2xGUWljY1FicS1lQkZmV0hTZWNTZDd6VkNpYnhhaGJYeENFRUtvVWhqb1ZPN3lzQlVxenVoVWdlWC1DSnRVZ2RKOFp4Z05lY3Nhd0xmU2lRTlpKRXNyRDZvTDJR?oc=5) · CNBC
- 2026-07-07 [Molly Gill Culbreth Obituary - Little River, SC - The Citizens' Voice](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV0RMZTRGVDZJaHVxWWZIVnoxVUxlWVlXZVVvWVlSdktnMllTTnlPZ1ZFNmJsX2ZWS204REVFWTFma2ppRGNTN29FTjdBNjJ4TlRaaE45QnFjZGF6WW5Xb0lUV2p2Z1hkdngzOVFpWXdxYkVjajBGVWxOekxzQmVMYTJMSQ?oc=5) · The Citizens' Voice
- 2021-01-18 [Police: Tyrone woman charged for stealing over $45K from credit union - WJAC](https://news.google.com/rss/articles/CBMingFBVV95cUxPdlNRU1F4M3lvLVlpRTlFa1U1ajFFNTVkNUZfeGtoUm83dEp3eEpiRjlHeC0tWjdBLWlhM09VVGZhc293VjB1R3hsUC1YbG5oTmZDMXVxaDdfZV94dksyXzc4UlQzSEtWallmR2V4OFU1S0RRUHBDbno4aG5DT0FaR182a0NsWFlsQVVOdUx4Rm8xaHhrdFgtSVdYNGhVZw?oc=5) · WJAC
- 2026-03-24 [Kesha Announces Summer Tour 2026! - spin1038.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1RSlFvMlhvME9UVFJKUWpxNmRaUVZBWUo5TkxQM0Q1YkVnckd3N1llZEk3ZDdWc042S3NNa3JmMzRVTEhuV0R4Ri1VcWp1M3FlS1BqRk5fVkNaRzVJaGpYMzQ2TFFnNFpsQUpXU04tRU04OHZoWGM5bXNvQQ?oc=5) · spin1038.com
- 2021-09-25 [Michael Judge Obituary (2021) - Camp Hill, PA - PennLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxObUw0MG01Y1dCLWpNUy1ScTNudjkzNEJSVThRYThwd19wdEoyZ1R1Wk5QY1JZUlAxZTViSFBnS3l0R29oQ2VOd3FVMFJlZmVJRk92dWJsQzFiU2NwWThVS3RVajlYUnFrNWpjRzRqUFE3WE5WNU0yLUpGN3FzVGw4MGNGTjlZcVRDX09RR3M3M0xOZw?oc=5) · PennLive.com
- 2018-10-21 [Obituary for Charles John Wyberg - Copeland Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTFByYnMzTUtBWW1vVTZLd1NIdUxHR0JEMzk2QzZaNUtyeG4wRVJrazhEdDM3WUw5QnJLcEp1ck51VGFVVG1jY1IyYlA1dHVNMEprc0gxdF9YRnhLR2VsdWVQaWxVTDAzQi1sV3dKcA?oc=5) · Copeland Funeral Homes
- 2020-02-29 [Best 1-Year CD Rates for September 2026: 4.36% APY Still Available - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWdHhPbWJzNDJGd2pXNGZ2Y0wwSWlibkFqU1BJV21xNk04a1RKdlNFUXdCa3gzUGVoUlJHaWo4ZXdjeUxVdGpGSC1tcXo4VHNkekVuSDd5LTZOMHJIdG1QY0FxWjdqXzBa?oc=5) · Investopedia
- 2024-11-22 [PenFed Credit Union Review 2024 - businessinsider.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdVJTZWVyZEZLeUIyc3d6eGlkRTdqcmc4aUVVYk5ja1RCS21IMWdubnlTMG5DdjdUTnAxM1pZSkt0Vml3OVJEenpPc1NCNWhiMENsY2QxdUFad0VleDJHandlU0NaNU5GYXdlMFpjaDc2ckZnNW1VS0k3Q09ZUjFsel9BZEV5enNFZkgtVEk2OFRCU0E1dzJIQw?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11972 (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/4.json (key "11972", 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=11972
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide