# SS PETER & PAUL
ALLENTOWN, PA · NCUA charter 12195 · asset band <$50M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ss-peter-and-paul-12195

Who the members are: federal charter, associational, organized 1958. 65 members of 400 potential (16.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $221,007 |
| Members | 65 (0.0% YoY) |
| Full-time staff | 0 |
| Net worth | $48,798 |
| Net worth ratio | 22.1% (p88 of band) |
| ROA (annualized) | -0.34% (p15 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.49% (p1 of band) |
| Operating expense / assets | 1.74% (p10 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,460 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 0 |  | delinquency 2x band, auto monoline |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 | losing money | delinquency 2x band |
| 2017-03 | 3 | net worth falling, members leaving, loan book shrinking | losing money |
| 2017-06 | 8 | losing money, margin squeeze, delinquency 2x band, delinquency rising, auto monoline |  |
| 2017-09 | 4 |  | net worth falling, members leaving, margin squeeze, delinquency rising |
| 2017-12 | 3 | delinquency rising | loan book shrinking, auto monoline |
| 2018-03 | 5 | margin squeeze, assets shrinking |  |
| 2018-06 | 4 |  | margin squeeze |
| 2018-09 | 4 |  |  |
| 2018-12 | 6 | margin squeeze, loan book shrinking |  |
| 2019-03 | 5 | net worth falling, members leaving | assets shrinking, margin squeeze, loan book shrinking |
| 2019-06 | 6 | loan book shrinking |  |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 6 | assets shrinking, auto monoline | delinquency rising |
| 2020-03 | 8 | expense trap, margin squeeze, delinquency rising | members leaving |
| 2020-06 | 4 |  | delinquency 2x band, auto monoline, expense trap, delinquency rising |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | assets shrinking |

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

- 2022-02-06 [Sonia Bendrick Obituary (2015) - Andreas, PA - PennLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVTBBYmVkSnNudzRPYkxmOUJGdFprX1AxQk9vMDI5TWJwNmVkOFFQQnd4LU5VdUZJU2VwTzgwaEtuYWFKSW1KMlNwdVZzV2RJRzZ2MzNyUnM3dFpjVkxlOUc2cGdZcXItdW5CT3RfLUNfZWNnLUtSTFBwLWd3ZHdXRXdlNFdhY2ZVeks1bzlRSGtRVkk0?oc=5) · PennLive.com
- 2025-12-14 [Doris Ann Ieradi Obituary Oct 7, 2018 - Nolan Fidale Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5xY3lSOEozRjhxMi1EYjEtTURpMC1rMlN3NHJtTlRSbXZaY3VfZUdYUjJrNTNobklvY1EzMG01X1FqdzJpWnEwbGg3NlBCY2lYWXVnb2NOUUpDSVVweXFXLQ?oc=5) · Nolan Fidale Funeral Homes
- 2017-04-17 [Theresa Gierula Obituary - Whitehall, PA - The Morning Call](https://news.google.com/rss/articles/CBMib0FVX3lxTE9nOXZVZUZKRzZSVmZPWWxBTXhCU2JDMmE1MTBjd3RESnRFUGdObHhXNFhzd0JmLVZXMXZRWDJjd1NTNEppRGFBY1Z4d1ptN1hHTXhzbjJZTVJZY0tZRHB3aFhDTGJxR0hURE5zY2QwMA?oc=5) · The Morning Call
- 2023-02-02 [David P. Faucher Obituary Feb 2, 2023 - donohuefuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1YWnZRVUtlUGQzSFU0UEZtLUQ5UGFkYWFNVjlESTVicWRQWGZWSDEzY0w3UzFSeDcycHBlQU9vaXViMVcyeTJrV2VyRE9VSFdxVkVzNC1ScEp0dUpSY3pBZENqOVdrNTNzRzg0?oc=5) · donohuefuneralhome.com
- 2021-11-05 [John A. “Jack” Slagle - Daily American](https://news.google.com/rss/articles/CBMiYkFVX3lxTFA2WDJnT25TNldZUXVfWU82ZnI0OGo0UlpFZ1BlOUlLUm5XeC1MYmI0UlJBc2RtdENFbUFwTG83X0VKRFgzRWl3NFdNMW1kd0hVOFlCMGYwcDc2UGdnem1zNnpB?oc=5) · Daily American
- 2026-05-22 [Madeleine L. Pierce Obituary (2026) - Ridley Park, PA - White-Luttrell Funeral Homes, Ltd. - Ridley Park - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOY2ZuQUdodHBFRUZoQmdxdHJnZVkzN0hBbXk3TGNueDdvLWQ2RWlva2lxTFNZSWJSZ3V2N0pPc0kzQXQtajRWOFJvMDgzZThTOENnWXoxZzdpMWU5UDl5U1VjQ1hOU0NBZkhmNnJqQ0t2SmNlREpQX0lZeFlCaGQ4Ym5RNVdZZw?oc=5) · legacy.com
- 2011-08-03 [Marianna "Marty" Barrett - Beaver County Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTUN3MjhRYl95b1Fub01vZzVsMDJVc1hMRTFocXREeFBxckYydGx5OTFoanB6ZVcyeXZ4azh4Tkhpb2hkcHpTWDhtT2xBS01sWmlVWHJfYk9pSDVFM0VQM3BNUWVNbzZmSVc1VWVuRE91MXhyZXNSOHZHTmY0TXNvelpSYnlEN1FiOHYtSXN3?oc=5) · Beaver County Times
- 2021-10-07 [Richard Achuff Obituary (2013) - Springfield, PA - Delaware County Daily & Sunday Times - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRzFIeWdpWEt0MWtSWC05N3psN1lIQm5tdmd5SmhFMVI3Q3FUZU1IaEw0QVZCRVVsb0U3ZG52ZUhQcnBpckZld2ktanN1Z1pVQnlnT0hsdWNmWlRjWTN1YlBDMF9UeVlFWFl5N2NwTzdPY0FJQTAyNUNCUXRkVVRfYlNjR2x5WWlyX3Y1UlByZGVpZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12195 (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/35.json (key "12195", 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=12195
- 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