# CENTURY HERITAGE
PITTSBURGH, PA · NCUA charter 1352 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/century-heritage-1352

Who the members are: federal charter, community charter, organized 1936, low-income designated. 18,935 members of 2,421,992 potential (0.8% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $288.0M |
| Members | 18,935 (2.8% YoY) |
| Full-time staff | 47 |
| Net worth | $32.4M |
| Net worth ratio | 11.2% (p50 of band) |
| ROA (annualized) | 0.86% (p62 of band) |
| Total delinquency | 0.64% (p54 of band) |
| Net charge-offs (annualized) | 0.09% (p13 of band) |
| Loans / shares | 73% (p47 of band) |
| Cash / assets | 1.3% |
| Borrowings / assets | 0.57% |
| Net interest margin | 3.35% (p35 of band) |
| Operating expense / assets | 3.16% (p28 of band) |
| Vehicles % of loans | 44% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 232% (p84 of band) |
| Vehicle delinquency | 0.25% (p21 of band) |
| Vehicle NCO | 0.18% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 120% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 37% |
| Average share balance | $7,417 |
| Participations bought / yr | $825,000 |
| Participations sold / yr | $400,000 |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,751 |
| Loans granted, annualized | $50.8M |

## Participation posture (from the same filings)

Bought $825,000 and sold $400,000 in the latest annualized quarter; $17.1M outstanding purchased (53.0% of net worth), $3.7M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 0.2% year over year.

## Flags firing in the latest filing

- **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 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 3 | leaning on borrowings |  |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 1 |  | leaning on borrowings |
| 2018-06 | 3 | net worth falling, leaning on borrowings |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | losing money |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | delinquency rising |  |
| 2019-12 | 3 |  | net worth falling, losing money |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 5 | losing money, margin squeeze, members leaving |  |
| 2020-09 | 4 |  | members leaving |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | thin capital, net worth falling |  |
| 2021-06 | 4 |  | losing money, margin squeeze |
| 2021-09 | 2 |  | thin capital, net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | 3rd-party paper>100% NW |
| 2022-12 | 4 | thin capital, 3rd-party paper>100% NW |  |
| 2023-03 | 3 |  | thin capital |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | net worth falling | leaning on borrowings |
| 2024-06 | 2 | delinquency rising | members leaving, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

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

- 2026-05-15 [Police: Robber used note on elementary school worksheet to demand money from Versailles bank - WTAE](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTWowWkFPTXpIU2lQMDk2ZWNidDh5U1ljSTZ2QUNDX1FxSjJLc05wOHNkak80ME1mZTMxSXF6ZW5ybXZQcXVYN3VfWnRBdl8zcExUWUxUbm1fWFJaVkl4d3RVN002ZWh2V3JLXzY5LVNMR09ZNmhLeWU2SUlGa2VyTzZVc0dzLWx0M1JCREVoR1VSYkJaZ3c?oc=5) · WTAE
- 2026-05-14 [Elementary school homework assignment helps identify Pittsburgh-area bank robbery suspect, police say - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQzZWT3d0SnNOVVVvcG1PWGppZDhGY0N2bW11OEVPOG13dU1oOFdJN2kteUJnNXZvbkJnai1nbERlX1EycnJETHNRRXBnZ3haU2dIa3Q3RFAyS1NFYU1mUTRBX05iaHZkdi1rTGhKZWUtR3pHTkxYMjBCbG5iQmtNNnR6THpKZk9xczR0STIyRURoRVlJSVoybmN6QQ?oc=5) · CBS News
- 2025-07-10 [Century Heritage FCU and small credit union plan to merge - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPTFk0Y2lwaTRLWjdtRFFLMkdwNWF2cmxFQ2dTM2k3aFUydHROZ19vRkZmYkIyeDJHc0drcmxadWhRajRTLThPWUtLZUtkenI1dm0wcE44ZGZIY3pnSTU4anZXSzJpOTF0ejZSenVJbmdUeEVWZkVrNzlsYkQ2NU9Sb3czU25vbzNFVi1GX2hKVk4?oc=5) · The Business Journals
- 2026-05-14 [Police use child’s homework to identify local bank robbery suspect - WPXI](https://news.google.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?oc=5) · WPXI
- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2026-05-15 [Pa. man arrested after allegedly robbing a bank using a note written on a school worksheet - WGAL](https://news.google.com/rss/articles/CBMipwFBVV95cUxPN3dvNTdPdWNRVlN1UG95NmwwM2xGeG9qMlZHazktMlNEOU5pYjdBc25ISVF2RkRNcm4tS0JnY3RGQUVzQndSSW9EOHNxWi0tSWVFYXNEdF9TN01fcUtxekxWSkZKazktZjRfN1cyUjEyX0poZHo5MnY3bXJkV3RjTnhwM2xJZWRDcTdVUUtJcWhaS0U2YU9ZTWRpN2kzQ2NxaFlZMzJOVQ?oc=5) · WGAL
- 2026-05-15 [Morning Roundup: McKeesport man arrested in connection to bank robbery; consumer alert on Prantl’s - TribLIVE.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxONk01cHlyMjBQdHBBaDVkZzI1NEdXWUtjT2tXRjFtb1ZVSUlBZ0swVXh0cXNtTWNlZE0yUURic09uV1NZUENtZDQzS1lZdlJudHpaSV9Oa2hYQlFxSG9Eb1d1X18wVTJpQ0c4VDFnc2JDNmpEQVZoeHkxWW9ZbGpHdEc1NFNlckcydFNhdUlYWFpVYXdnRlA2Q3pLV1hYRi1fVjNwNklzYUZhSUZwT19wRXVuM3hYMjdhNHlUTFZtekttYXVualV1SA?oc=5) · TribLIVE.com
- 2026-05-14 [Elementary school homework assignment helps identify Pittsburgh-area bank robbery suspect - Beaver County Radio](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNXzBuWjRuWW13OHhaTHpXZzktUkoxN2EySm9ZaDM2TjJJX0U0MUVPQkduZ1BfWXVfRlBnUVdaSmRmMTRBZFdRVzc2RDZZQ3V5YlNOVDNkUWpXazRWX0tEWW56ZXFPYmZERWhDWUtIRk0yX0xkYlFHM09QOVhlRGNEM1h4MWhENmhPT3habHJfa1NTWHNYdTdJV1Rnd0RUTGU5XzFiTFQwODBLTDFSZXZ1QS1Qd3hxTnNwT3d2bWRXQ1pUX0k?oc=5) · Beaver County Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1352 (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/8.json (key "1352", 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=1352
- 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