# GLASS CAP
Connellsville, PA · NCUA charter 13733 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/glass-cap-13733

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 4,712 members of 128,804 potential (3.7% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $45.6M |
| Members | 4,712 (-3.0% YoY) |
| Full-time staff | 8 |
| Net worth | $8.1M |
| Net worth ratio | 17.8% (p65 of band) |
| ROA (annualized) | 1.33% (p81 of band) |
| Total delinquency | 0.99% (p62 of band) |
| Net charge-offs (annualized) | 0.10% (p58 of band) |
| Loans / shares | 51% (p39 of band) |
| Cash / assets | 55.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.34% (p68 of band) |
| Operating expense / assets | 3.69% (p52 of band) |
| Vehicles % of loans | 67% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 130% (p98 of band) |
| Vehicle delinquency | 0.67% (p57 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 9% |
| Average share balance | $4,803 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,822 |
| Loans granted, annualized | $7.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## 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 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 3 | delinquency rising, auto monoline |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-12 | 2 | 3rd-party paper>100% NW |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | members leaving |  |

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

- 2021-10-01 [Bruce Norris Obituary (1955 - 2021) - Connellsville, PA - Daily Courier - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTG82VmJvNkxVTWJtTi1oMFE4SVF1ZmZfb0hMOEVIWk1XX2VMYXU3VzdPZWpaU1ZrSDNQWVhvZlRITWdUbXZ4dDNPMDVnaUhaTmxIX1VFa0lkdlpWcEdfNk9ZZC12X0VNQ1ptRnVNbDRVYkNZaUtDVkMyY1FBeGRodTBEQnhwbVVuM0FEWmJ3aHQ?oc=5) · legacy.com
- 2016-09-02 [Diane Tomasko Obituary (1967 - 2016) - Connellsville, PA - Daily Courier - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQS04tYmEzODVKNVhlY19pM1pOQ2JGSENRS1d6cktHNV9VQWlSUUdtVlAwSXJUR2hmSDZ3ZjBtQVlVZFJ3WUpEaGtEcHpVTTBLM2c3WnNtWUhzNmxhM1JvSnU1UTBibk8xT1JRTFJNQm5ENHFWV19NMzZUUmszWlVvazdWUEZBLVJZd0lzUmpPUUlkZw?oc=5) · legacy.com
- 2021-09-28 [Joseph Ranker Obituary (1928 - 2019) - Dunbar, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaXhUU3ZGSWYzbXJFZHdsYXBWZ3NqRGFiRE91VDRLaEszZTI3Sm13ZHd1V1EzWFQyT2EtUVZFb2JSTDhIREZwTzMxbF9VOWtCaGRsbDFEZHFKOU55cWxERmw1TnlDOGRNXy1Ub1Q0ZWFpVm45SGY2SXpXQXIxU21VTDN1THNTX215V2ZJZlE2NHRRdG5ZcGVnYnRrM3ltRUw1?oc=5) · legacy.com
- 2010-03-28 [Raymond Dye Obituary (1926-11-27 - 2010-03-26) - Mt. Pleasant, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRUprb0hHRnFpdXNZUE9od1M3N08tbHl2NGZTN0NOYVhIS2lWdkFWU01NMWUyNWM5ajNtM3c5ZE1CVHI0X0JPZXFJN2xZVG9BdUE3cEdpMEZ1S0wxRmh5V2tZSkdCemN6dnBIRm03N3pib2E0WVdFeVNhdTJqNnBaY0xZcmJfT0pPRVBpc3YxN0t3ZUdGYUNYOGlEWkZESzA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13733 (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/37.json (key "13733", 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=13733
- 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