# DISCOVERY
WYOMISSING, PA · NCUA charter 12935 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/discovery-12935

Who the members are: federal charter, multiple common bond, organized 1959. 9,023 members of 420,152 potential (2.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. 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 | $192.2M |
| Members | 9,023 (1.9% YoY) |
| Full-time staff | 24 |
| Net worth | $21.9M |
| Net worth ratio | 11.4% (p46 of band) |
| ROA (annualized) | 0.89% (p63 of band) |
| Total delinquency | 0.40% (p32 of band) |
| Net charge-offs (annualized) | 0.15% (p27 of band) |
| Loans / shares | 76% (p62 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p52 of band) |
| Operating expense / assets | 3.69% (p51 of band) |
| Vehicles % of loans | 26% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 90% (p67 of band) |
| Vehicle delinquency | 0.08% (p10 of band) |
| Vehicle NCO | 0.09% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 162% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 31% |
| Average share balance | $8,622 |
| Participations bought / yr | $2.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $22.5M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $22,419 |
| Loans granted, annualized | $33.8M |

## Participation posture (from the same filings)

Bought $2.8M and sold $0 in the latest annualized quarter; $22.5M outstanding purchased (102.6% of net worth), $7.1M sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 3.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

- 2026-09-09 [Carl's Jr. Says Wage Discovery Bid Targets Other Settlement - Law360](https://news.google.com/rss/articles/CBMinwFBVV95cUxPeXlQMmh2UE5FMkxjQ3c0SHJfZm8zaUtidmhNWHdnQlJDcWdQWk5iYXFOU1JmRG8ycnA3eFphWDJxOXZkYXZSZWZrYm9RRk01VE9OTnhUWVIzeWlkTWQxbWlPQmF0TlVzaHpKQUhab1ZUX19UbEM3YnZLQjVCTDB5d3hJOVd5d215XzRPQTUwekVhalRhZWR0UHhsWUIxeW_SAXJBVV95cUxOUFJJQ1lvRGNFNThkTS1JT1A3RG9uQW1WTXVxUGRNeVFNa0E2LUVualYwcXBDUTFKbUN5WTBWMmh2WEFTUGdEM1dobkNrQ1pvLWlKcFoyN0RobDVuMHo1em5udVlqdEUtM2pQSjFjLTlRaEE?oc=5) · Law360
- 2026-01-06 [Discovery FCU Helps Bring $8.39 Million in Housing Stability Funding to Communities - Berks Community Television](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQLXYzRENLNnViVnpFVXBkRTNXZGg4SHBybmEzR01ISUpiYmx4QldtTTJNdkp2RHlBSFFEa1puZm9BUDNwbnJoZTM2MFhoQVI2UklONG8zMDZwaDE1cVZLb3U0WXpfMW9CT0JfMTJqcVVmR216VWFybU9KWS1iZnY4MDQ1dXo3X0VBd2o2OGViWlF0bWJpLVNDcUg5ZkJyalBEeUMyZFNxenFxZHY3T05zYU93ZkQ5RkxRMDJ0blVRMzNRNzJhMndVTGJOQmdLbE5QZnFpMFVGUDg?oc=5) · Berks Community Television
- 2025-12-09 [Discovery FCU Team Builds Playset for Local Child Fighting Cancer - Berks Community Television](https://news.google.com/rss/articles/CBMinwFBVV95cUxPVV9IYVZHWnFMdm9JN3lzMENZMTZjMTViVUdmUjJoMFItU2Q4d2JPY1pKZHI0QWhMenQ1anVxTmtRcEJUZmlsbmVYcERVT0F6VDR1YkZWU0tJUm5KUVJWMXRoMDZaWU5LQmVuV0hNbE9SZWZfbHdWdmEydDdPLWVBVW92MG5jRDRkY1ZwVG5uaTlyZXMwYTBDdXJ3bGhHblU?oc=5) · Berks Community Television
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2024-08-13 [Discovery FCU hosts Community Appreciation Month, donates $2,100 to local nonprofit - Berks Weekly](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPa1FEQTQyOTZObkdNWGlCNExaX1paQlJzZGRvcXRVX1kzel9oZ1dZaHU4WG12Tzl5QTBScW4xNUZYekRWblh3d2dXY3dLaHJRQ21UWHpSU3VVaXRHNHRRVXkxVUxuWHBvZzVscFpUQWNXZXpod3ZId0hFMUNnQ0N4YTZxLXkxSkQ1T3FMSkZTZWtfNGFNelNxcl9LZlQ3Z2pRRk5jbV9sRlUtcVNYUG5lZzZ4ajdmSktjWHZr?oc=5) · Berks Weekly
- 2026-02-20 [$58.3M Pacific Life misleading illustrations class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPX3VLZ19KV25Od0J2TUJKV09OeGc3VXBCbFNNSU1EWFh2X2I1U1p6NHA2Q1A5TjVQVVVDUUUyTUtCd0VVYTdJT19tVmhfdE9tRkgyZzM1cHhlT3gwUTN0YUtKVm8tQXc4LVZiTklpLXZGRmhNSy12S3dyNFVqQUFISENWOUhFakdzVXJvMDhzSjNLdU1hdWJhWXZ3dnF1VFFqS2Q2YzJ2X3NyNnYyZDlsb1hwbHF5UHlHV09ac2twenRPY1cteDYyWDkxMTdVZi1ib1Y4VnJkb1E?oc=5) · Top Class Actions
- 2025-07-24 [Inside the Minnesota Zoo’s Splashy Sea Lion Show - Mpls.St.Paul Magazine](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9aRHhSbjVPVEpEVHpxaEdfbWRFNTRVMjBvdlRhY1p5c044Rkk2UU1qSzZ1TEcxNjI5eEVNSmk3RzJOaFdRY2tYN3Vuakt2UkFEanBjTkdIVHNPdlVkZFhDMm4tTQ?oc=5) · Mpls.St.Paul Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12935 (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/7.json (key "12935", 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=12935
- 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