# SCHUYLKILL
Pottsville, PA · NCUA charter 12676 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/schuylkill-12676

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 2,350 members of 10,000 potential (23.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $14.5M |
| Members | 2,350 (– YoY) |
| Full-time staff | 7 |
| Net worth | $817,942 |
| Net worth ratio | 5.6% (p1 of band) |
| ROA (annualized) | -7.40% (p1 of band) |
| Total delinquency | 1.05% (p57 of band) |
| Net charge-offs (annualized) | 1.28% (p87 of band) |
| Loans / shares | 29% (p12 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p50 of band) |
| Operating expense / assets | 11.51% (p99 of band) |
| Vehicles % of loans | 19% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 1% |
| Average share balance | $3,552 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $5,221 |
| Loans granted, annualized | $902,192 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, expense trap |  |

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

- 2026-04-14 [Business Briefcase: Schuylkill County Spring Clean to run April 22-May 6 - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMitwFBVV95cUxNeGNKeFRoZk4zX2d4dFZpbEowa29EYWlFMjlDWkY0cnBWOXRfZU9OQThQNFZNSER6WmVSenptWnNCaUllR2FKOGl3MDZYaDVnNW9Fbmx1OU1OVXBiZlhxcll3ZkFzR0MyRk9peWZUakQ0TFF5OTBwNGxtSkZQU3RRdno4VHV3dnJTYzQ0S1lWM3hLM1B6eklDR3Q3Qi1BSzJ6bmxfVGxGUmtrdUhVT3pGNC1mRUNXZ2c?oc=5) · Pottsville Republican Herald
- 2026-05-22 [North Schuylkill softball goes on late run to down Northwestern - WFMZ.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQMkxrb29BMWs0NXU5bzEzR2dueGdaUnZPLVhMc1oxVXBXT0RJV05Ic1VsV1MwdzJQcXowak1tcUdJT1RQQnFWeEJCR1dLbUV1RmpySHFKYVE1MUhlaEVSa0RYZHdpcWtESEtNcW1PbU1XeWtkai1yQTlKYzdHME1nQzY2TjJNLWg0TXZfT1pQWEZHZjBSUmlNOWcyUmJmbGtrRGZBOGh3djlkd1BSRWQ2ZEdPNzQyTy1HYXlZXzNPZUFVdnE2WkhDVkZuVnkyVGpncXVkbkQ4TWg?oc=5) · WFMZ.com
- 2026-03-04 [Phone Scam Leads to $2,500 Theft in Schuylkill County's North Union Township - Skook News](https://news.google.com/rss/articles/CBMifEFVX3lxTE1LeWhGQmw4czVPYTQ3M1J4VEJYVWhMdHVDMlNEYkQ4RGY5Ul9uT3hibVlUc2dVeF9jN0p2WjBqcjFFdlJacGt2UzZzZG5XUlJLNlpncTlZRWhibVN3SDdnMUZMVW9LWmJ3eEF4cHk3QlJUeDVHSjRwSXd1Qnc?oc=5) · Skook News
- 2026-06-18 [Schuylkill’s America250 parade organizers want veterans as grand marshals - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTTJ5ck54aGJZaXFUOENNSTBsbDJfZ0NJMHRiMWlHdkcyRGlEOEJSV09qRHBKRWkzRlN0NGRBUFhHWFJVckFNLXlhNkQ1WVVoWTR2SHJ5SUhHdk1JWHZQUUQ1Y3MwZzhoemNhWDJDbUtmMVB4SVAzeFdobWw3V3dqenVVSnVKSTFLemhRRkI3c0lvTUF6c2lOUllVMkFDMmtob2w3V2RDemJKSjFLbm4wX1NXUGd5TWtf?oc=5) · Pottsville Republican Herald
- 2026-05-21 [Brandywine Heights defeats Schuylkill Valley in D3 Class 2A boys volleyball quarterfinal - WFMZ.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxObGo3UFRsNmduZ1FmT0lFT0pCVXowLXBJWFYwQmc1Sk9rUEk0NnZ6RVJQd21jVE1CX0xOdmwzTkNITnRHWXpkUmUtbFVjY1NmYnJGUGdhTmVoeGMxUDFOSlBZckV6Qi0yWEpEMHE2Vjlqamk4bHRKLUhxSnJhbmthVGloZ19PblM1ekFHUTRSbVpHbDZVbzNKYXl1LTYxOTllb0ZBODdETnRKcjdCQmxNc3F1NG9xemdNUzZ2engzZ0JFWXBJLVEzZGplRFRaVW1VVm9pVUg4Q1Z0Nnpnc2FuZG1KMlVrN3NjRDJQeVBmTHdqNFdxVkcweGJn?oc=5) · WFMZ.com
- 2025-03-15 [Sherman L. Barto Obituary Mar 15, 2025 - Kuhn Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE1OaFlfYl9FVnRPQUpfUVVjSDYtVlRiamsxZkhXMFdGa0JhYzgwY3VmVjROcWZhbDRfOERPSHdkNldyUG01anUwTE5TVnh2dlhXeDkwaUhGdnVvTTBUQVZ6TVFjZUtLdEJ6R1pz?oc=5) · Kuhn Funeral Homes
- 2024-08-23 [William J. Cerullo Obituary Jan 15, 2009 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE44RERGT0djNnB1MXBlVC1ZY1N2OEFUNk5Cbk8tSzJLZW9QMHpzWDdBemZURC1JV19kVXdqazJaRDlHamdFQXdyZXRtbi1TN2NWdlhBaEdoMW84aFowZ08xWkRXalczajg?oc=5) · Heffner Crematory &amp; Funeral Chapels
- 2025-10-23 [‘A lifetime of dedication’: HRCU honors Charles Lantz - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxONnNtVkthUFAzMXlwX0xqV3ZRdkV3aGp6VnpRbWl5OHlUQW9DZ3l3YjJPOUVJUkgwZ0t1QnRKNnJaRnl3MkNkUXFrRXVCLV82QW54Wjd2LUs2dHRjbDQ4Y0xzRUFxN29ncDVIQW94bUwxSmxjcERBY0stOUVYYUM1ajFONTN2eVJNbWwyLUpQVlIzdW9kSVA2dWpsQQ?oc=5) · Pottsville Republican Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12676 (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 "12676", 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=12676
- 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