# CORRY
Corry, PA · NCUA charter 12643 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/corry-12643

Who the members are: federal charter, community charter, organized 1958, low-income designated. 10,783 members of 55,145 potential (19.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 47.

**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 | $115.5M |
| Members | 10,783 (1.8% YoY) |
| Full-time staff | 26 |
| Net worth | $14.0M |
| Net worth ratio | 12.2% (p56 of band) |
| ROA (annualized) | 1.42% (p85 of band) |
| Total delinquency | 0.15% (p11 of band) |
| Net charge-offs (annualized) | 0.44% (p61 of band) |
| Loans / shares | 56% (p26 of band) |
| Cash / assets | 41.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p42 of band) |
| Operating expense / assets | 3.82% (p57 of band) |
| Vehicles % of loans | 36% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.42% (p41 of band) |
| Vehicle NCO | 0.87% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 25% |
| Average share balance | $5,197 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $491,303 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,203 |
| Loans granted, annualized | $19.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $491,303 outstanding purchased (3.5% of net worth), $36,639 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency 2x band |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | thin capital, margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 0 |  | thin capital |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 0 |  | members leaving |

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

- 2026-04-02 [Ronald Rairie Obituary (2026) - Corry, PA - Bracken Funeral Home, Inc. - Corry - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc2sxc3ZFNTdWY1ItZjZyLVVKZUI1OW5qb1RjYWJCNlpyVEFCYXNOVTVGTDNubjhfV1laZkZRU1NOb1pFSUdNMzJYWllBelNtVVRMYjhvbGx0V3VOV1czYnFEZ3hTWXNvRmx3WjhOVXdGUklyRUtzZXU1aUo0V3hfRmJn?oc=5) · legacy.com
- 2025-06-13 [Armco Credit Union grows again, adds first Erie County branch through merger - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOX2ZvZy1HbU91SlNLTEM1dUtwQjB1cm4tRm5hMTdXQ3FzZ0c5MDdtSldwS2Q1ZEVudGlFLVBldzlNY1NVZFpQcFB3Mk9EWkdsajRtNHBlZHRPdE5nUlE1Q0UwZWxGeTNrWTZCc0FSbG1UVVVUQnNoZkdGWVZZUFVwdEZGZ0c4eU1nWTA5QmxsZFhTT3pSV0xxWkNSVU5laGZjcWhn?oc=5) · The Business Journals
- 2025-08-27 [Armco Credit Union announces Corry merger - thecorryjournal.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaHpwUmpJZndUZGRjajg2YXI5U0lLaDVqY0xRRTBESjQ1VlA0QTJ2S1B2WXpNUG5IYldYZW9YOTVNd3V2SHZfV2pqWEV5MWVxNS1hWndJM0szSmY5WG5EMWJQSHMxaUtna1BVaGtFVWtjQWNSdW9ldjl3UkV3TnN1MHJXQlYxSTFFUEhPMm1NU2hfTmNGU0ZTN2NVNDI1QVkxZ2IzTzVQNVVpZ1plbVZnQUdDQ19DMDY4SVNublY0bTY?oc=5) · thecorryjournal.com
- 2024-11-21 [Savers In These 7 States Can Earn a Better Rate Than Everyone Else—Up to 6.00% - Investopedia](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORzdQbzNkVlE2WmM0aUpfRWxDaWVhWC1qQlY3eno5WGtrQUFQc0s3cHIzRnlwUEc2ZnExeklhWlFHd0pRRGZxMktSQWxCUWs0NjNRSTM4d3A2RDhHRUlnRXV1OXFhX0VIS2JZaDN2dXNzRW9uNGdYUGl4Wk84cklEbWFNV2djbHBDS1RabDRxTmVwMVAxTGZRYzZwM1YxRnpPMHlGUno3ZksteFBkbzZlUldwTmJjM1gzVzJr?oc=5) · Investopedia
- 2022-10-07 [Chelsea Oliver pledges to stand up for rural Erie County, restore opportunity - Erie Times-News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQVXYtOTY0U3F4dDFMc0lDM09wNkpsTnczVDF3VFoza19SS3J5bU84V3A2MkFxMXN4ZHVsSk9PMlZyWFlOMmZ2ZUxkTnV6aHE0djdLR2pfSW5iN1J5SW5iWEpJUkFfamNCV1lQdmFIMmJHTkhQVDU3bVZtOFQzVFBSNV9BSXRBR0hFcy0wWVRxSzlWR1RmVEM2T2g4T1F2VnBqQ2hodGZMMmJIdWNpVFpTN3dZQVRxdUFUY1F1T3FPeDZkZzZPNTlBcEpIVDlZbHVYT1AtUQ?oc=5) · Erie Times-News
- 2025-08-19 [Armco Credit Union expands with merger, plans renovation after truck crash damages headquarters - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxORzFqUnRybGZSeTFjcl9JQVlObTRLRlBiZFFiT1huakFaV1lpWnNobmhSZkoxWXRtQkRnQXlyRTFlTE9pSGMtRnBRaG5JTUljeFhpOGdicEw1T1hZWXVBbHVMSHlYZmh5SERjdlVmNDFVZUdDWWlHb19Wc2JkRkFVUFhQSjJUbG8?oc=5) · The Business Journals
- 2023-04-15 [CFCU celebrates 65 years of strong community ties - thecorryjournal.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNZkc5Ukt5TndUTDlEYnVNSTB6aTlFekVwQWIxVGtoYlR3OFVFNkFGMGMxZ1RJenRvZmtHakVoeFBWUnpsTzV3T3EwTmJNbUFjcGNsdlVQaEpVX01EY2FCVzllUzQ2eWw5UmxWa0U5N0x4bGFhTE9PWGVfek13RXVCaktrNDczZ3B6aUFna0F6T0hUNDhFWE9KdjdLV3pIb3lFTWxPa04xUUFoX2M1VFZxRVdNc190dkx1VWJPSm5YQkxUZzhfTk5FbHB0T2toV2lCckE?oc=5) · thecorryjournal.com
- 2026-02-02 [William H. "Bill" Hall Obituary (2026) - Corry, PA - Bracken Funeral Home, Inc. - Corry - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPQjNVTnVIN2FuTWRTT3NWYm9lZmhXTkVaZWFfaW9uUFdrVDh4WndGRUg0S1ZyNW51Rlc5MDRuY056c3FwRVVlaDN6MV9zNFVXaHdJQXNrNWFMNVUyQVM0MjJCcVB6VWo2aWJOaG95M3lLZ0t3RDFwVE5NdTB2bHhybQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12643 (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 "12643", 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=12643
- 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