# NE PA COMMUNITY
Stroudsburg, PA · NCUA charter 13458 · asset band $100-200M · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ne-pa-community-13458

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 12,351 members of 223,870 potential (5.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $167.7M |
| Members | 12,351 (-2.4% YoY) |
| Full-time staff | 28 |
| Net worth | $13.6M |
| Net worth ratio | 8.1% (p7 of band) |
| ROA (annualized) | -0.29% (p6 of band) |
| Total delinquency | 1.53% (p85 of band) |
| Net charge-offs (annualized) | 0.38% (p57 of band) |
| Loans / shares | 48% (p11 of band) |
| Cash / assets | 25.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p22 of band) |
| Operating expense / assets | 4.35% (p76 of band) |
| Vehicles % of loans | 16% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 175% (p80 of band) |
| Vehicle delinquency | 2.30% (p90 of band) |
| Vehicle NCO | 0.06% (p11 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 13% |
| Average share balance | $5,624 |
| Participations bought / yr | $992,204 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,896 |
| Loans granted, annualized | $13.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 1 |  | delinquency 2x band, net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 4 | delinquency rising, charge-offs p90 |  |
| 2019-06 | 2 |  | delinquency rising, charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 3 | net worth falling, delinquency 2x band |  |
| 2020-06 | 2 |  | delinquency 2x band |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | delinquency rising, 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 4 | assets shrinking | losing money |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 3 |  | members leaving, delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 4 | delinquency 2x band | assets shrinking |
| 2024-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 5 | losing money, delinquency 2x band, delinquency rising |  |

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

- 2024-05-24 [Utilities Employees Credit Union to merge with NE PA Community FCU - Reading Eagle](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb1pVOW1IYU44aHI1alBvYUFJQmRFZkgwdjBkdHRXUmtGRkRPRTkzSHMxVmxQWWExUVIxTTQwbFJIbFJQVDRUNmlrVzEycnZoRDVyWTJJWWtkazMzRjVpREFqRGRDbmVweXlueFMwNzVfMkVyUDhCY0tCemxUcFRidTY1MXo1WDdlRV8zLVFTMm9mY0VUdzRldmJjelo1R25VWkFFZlBnTUMyNzA?oc=5) · Reading Eagle
- 2014-07-24 [NE PA Community Federal Credit Union Foundation awards three scholarships - Pocono Record](https://news.google.com/rss/articles/CBMiogFBVV95cUxOcjRBTkZIdkhvbkRpcjhkRUE4aVhkbW1yTUxZQU9SS0xad1hNanVzUmJ6ZnZ4V1hCb1dkbnYyb21ST1VyMFhqcU9UQ3JyY2JOTnBHUWV2dWN0b2VkaVNNOE1GUlhScDFQdWlOZ1REeHNhLS1UM0ZjSWVNYThEWnNGVXRXN0dIZm5sT1VwX3lLbGo1SVBwVl9CaW1wUUxWMnhMd0E?oc=5) · Pocono Record
- 2017-08-18 [NEPA Community Federal Credit Union awards scholarships - Pocono Record](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOck81SWJGd0pkMl90SUQzY3RIanRHY09zNHl6MWk4b09fRFVpeWMzS19aQkdlVWlhdExhc3Nic2hQdktyTDdnejBVTkZvT09WZmh1d3p1aDZuTXFxSl9EaWthUk5LS0NQdzNfTTRDMTdrQjBRMkFuUmlfVlA2NHlGMkowaVIzOERZRGdnMU1wQ1J4QVA1Sm1JRkdyS1BfRnlHMXlGQzduRnE?oc=5) · Pocono Record
- 2023-06-06 [Caron Treatment Centers expand treatment programs - Lehigh Valley Business](https://news.google.com/rss/articles/CBMidEFVX3lxTE02T2Y3Z1FLcmFfT1BGYXNnZmd4VDVULWwxRFR6ZXptUEJvcmFmaUVnUHpRckN2V2oxMm9HRjhENl9zb0tjeHYyREdOaFljMHdLQlJDVE9FYzdDTEV0a3JtWmsyNXNjRGtxS0piby0xMnNCQW5Z?oc=5) · Lehigh Valley Business
- 2016-08-13 [Jerrold Fritz Obituary - East Stroudsburg, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQm5QNWg5R3lHTkhubDFSVUFsTnNFT0dYakUxV0dXNTdLLU5sZlVkbERDVXN0RHhUZTR5Vmh0OFc2SEtRdFp6encycTdqMmxVU0M4Z3B3dFhObTRMZG9seWdhQnhPTHAyNVFGSU5JSGlGOXVWWlBOLWRCU2pSVUFXeGJUNEI1T0wyUzlFaA?oc=5) · Dignity Memorial
- 2010-04-18 [Unique banking: Stroudsburg-based credit union marks 50th year - Pocono Record](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZzc0ZThyZk5oMWs5Qk81VzlxUGxMMmFIYVB6R0prVzM4QTZCRFI3eWgyN19UMXZrY0VibDlUQmhlRzQxcWhfejJKTmM2QVBJelJkbFR5ZWJNVlU2UzRNUGI0a1JPY1F0aS0ydnAwNUVaRzNBMnltWjlYS1hRdDdsUzhPZzlieFN3ejVWcTZfTHlCekc0Q3hrbFpMNXFxSFRhcXpJcXNzYkUxVEE?oc=5) · Pocono Record
- 2014-08-07 [East Stroudsburg district students banking on their future - Pocono Record](https://news.google.com/rss/articles/CBMisgFBVV95cUxNMGRySWNVbkZNUkdLVkMyZlZlWjlHQ3c4alVzbEg5Tk11bWF5Y0FFNGV2d0Q1WWZteFExTk56OTBqa05XVzZVelRXeXBNSmFjZGlJMWxfQW5oVWJ0UGRUdmk0QUJpXzNuNmVxVmhWVmZUQ1NSeWxSd1ZYLUFXcXJUNWg3Rl9mSFhVN0xWbURKLXRlb1I2OG94a1pSVDFRVnM3elhxMGJjVVNBNGlfSk1zRHRn?oc=5) · Pocono Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13458 (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/18.json (key "13458", 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=13458
- 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