# SRU
Slippery Rock, PA · NCUA charter 12654 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sru-12654

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 4,449 members of 18,638 potential (23.9% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.2M |
| Members | 4,449 (3.4% YoY) |
| Full-time staff | 11 |
| Net worth | $8.3M |
| Net worth ratio | 12.6% (p48 of band) |
| ROA (annualized) | 1.14% (p72 of band) |
| Total delinquency | 1.09% (p75 of band) |
| Net charge-offs (annualized) | 0.79% (p83 of band) |
| Loans / shares | 65% (p57 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.40% (p35 of band) |
| Operating expense / assets | 2.90% (p28 of band) |
| Vehicles % of loans | 46% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 156% (p91 of band) |
| Vehicle delinquency | 0.45% (p44 of band) |
| Vehicle NCO | 1.85% (p93 of band) |
| Repossessed % of vehicle book | 0.06% (p81 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $6,690 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,599 |
| Loans granted, annualized | $12.3M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2025-10-07 [SRU hosting 2025 Homecoming events, Oct. 16-18 - Slippery Rock University](https://news.google.com/rss/articles/CBMie0FVX3lxTE92TU5qVExNQzloWWNZcUtoS0x4V21ubk9pcEhGb0pRNWctUFZHVXZXWkZkVjU2RTFBVnJrdDVjZFMtbG9YaWtLNmRaRUFHVTdjM3hxMUNSNDJlQXRZcHV3Z1dlS1BQQm1Id2dHQ2d0cVYwVWR4NFhqSmcyWQ?oc=5) · Slippery Rock University
- 2005-07-12 [Hall of Fame Class of 2005 announced - Slippery Rock University Athletics](https://news.google.com/rss/articles/CBMicEFVX3lxTE5HcnJkR0FpLXZYNy1MUjFtNEt6dzFzenR6UjFGX3RRN2xPMndJazdraTNON2JpOElZclhMZElGMHFSbjAyRlc1OUlSd0ViOWNrdGpCbDVRLWJ4UlZBZlp5Q1NOSzdLX0o1NUhmVUFtMFI?oc=5) · Slippery Rock University Athletics
- 2019-05-28 [Scott Hart Obituary (2019) - Slippery Rock, PA - Butler Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUVJVUDUzcFZ6dTV6S1dZbENLa1I5WDctWmhtUnZSS0FLT3ZsUTkyclBMMlhhVnIzVkFFcEhUdzFxRVpSMWRXRWFTS0dNOHhfZTVEOTRxQXlNRzFnZHlkejNzYi1CaGhweTc5YV92Q1pSZHFXR3NEQkxKRXZ1NkdCSTd0ckxBeDNtLWlTR1FB?oc=5) · Legacy obituary
- 2015-02-10 [W.G. Quast Obituary (2015) - Slippery Rock, PA - Butler Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQUI5cEJSVWRsRFRFWl9GZXpwUFlKazZ1WFZ4MXJIcGpBN0pZVjJ2VlUwMEc4ZWlKRWFZN2d3aG9wN3RINkdxYUpwOE1FaGJSUnFIbnB5T3ZDTXhzRTgtZzdLTmc3VGRNM1ZUZm1YVXhhUXJ5VGhFd0Z4eGdhbWJTWUVCWDBQQ3d4aTdoOQ?oc=5) · Legacy obituary
- 2013-04-22 [Robert Rhoads Obituary (2013) - Slippery Rock, PA - Butler Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVWhfRnowckRhLWtDNC1OczQ2R096UlRkX3RVeVZCTS1xZll1b2R0RXkzWUZ0WUlUNG9VS25oOU8yM2FUSkQ3SkVZZFBzTUdsUUNqS3JVRnF3enVGa0hwOE5CV2pVVkxrZzJJTW5IQUdnTjJ1N0VQUG5qeXRIN0Vfd1RGYXc5aVdpVWpYMGdUZDFfQQ?oc=5) · Legacy obituary
- 2009-11-03 [Judy Scheidemantle Obituary (2009) - Portersville, PA - Butler Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOR3BEcXNvX3JOcEdtenR1SmdqalRocW0zQWZLd3FuMWw1Xy10cEx1dU9GRS1pRnRtaGdDTDNDNWtBUmZFV0I2WG9GcFc1TG90REV1VnpoQkxuV1NocVYzcG0yZVkwTVlIMGpaSDhJTGZ4QTJiX1JPOVVCZzd1RE42dThMNE1rd2k0eGkxOUVYTmtuaHoyX2tCVA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12654 (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/46.json (key "12654", 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=12654
- 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