# BRADFORD AREA
BRADFORD, PA · NCUA charter 13823 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bradford-area-13823

Who the members are: federal charter, multiple common bond, organized 1960. 1,386 members of 3,400 potential (40.8% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *auto monoline*. 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 | $11.9M |
| Members | 1,386 (-1.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.6M |
| Net worth ratio | 13.1% (p38 of band) |
| ROA (annualized) | 0.40% (p42 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | -0.46% (p4 of band) |
| Loans / shares | 62% (p57 of band) |
| Cash / assets | 44.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.75% (p13 of band) |
| Operating expense / assets | 2.49% (p19 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.14% (p38 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 28% |
| Average share balance | $6,045 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,612 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | assets shrinking |  |
| 2017-06 | 3 | loan book shrinking |  |
| 2017-09 | 1 |  | assets shrinking, loan book shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | losing money | members leaving, assets shrinking |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 | losing money | members leaving |
| 2020-06 | 2 | net worth falling, auto monoline | delinquency 2x band, losing money |
| 2020-09 | 4 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 5 | losing money |  |
| 2021-03 | 4 |  | losing money |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 5 | losing money, members leaving |  |
| 2022-03 | 2 |  | net worth falling, losing money, members leaving |
| 2022-06 | 1 |  | auto monoline |
| 2022-09 | 2 | members leaving |  |
| 2022-12 | 2 | net worth falling | members leaving |
| 2023-03 | 2 | members leaving | net worth falling |
| 2023-06 | 2 | auto monoline | members leaving |
| 2023-09 | 4 | losing money, delinquency rising |  |
| 2023-12 | 2 |  | losing money, delinquency rising |
| 2024-03 | 2 | assets shrinking | delinquency 2x band |
| 2024-06 | 2 | losing money | assets shrinking |
| 2024-09 | 4 | net worth falling, members leaving |  |
| 2024-12 | 5 | margin squeeze |  |
| 2025-03 | 4 |  | losing money |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 1 |  | members leaving, margin squeeze |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2022-06-07 [Joseph Jesse Monago Obituary - Corning Leader](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9SRlVpdnVXYTdtZ2xNTm5Hd3BIVURGdEU5SEVNTkoyM2IwTFBWaHBGOHlEbF93ZWlHb242N3hQYkZwdW91V3NadmFMZHZJTkJsNW1qTk5RVFBkdw?oc=5) · Corning Leader
- 2021-10-10 [Edward Chandler Obituary (2012) - Bradford, PA - The Bradford Era - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMzRvcElBWktDZ2JCTmNGXzRtRzdXcXNESkhhWG5RRFFjaE5URDJQNVZkdUtaRk0zYzllclA5YWx0QmpKaUhVSUJ4VmlpM1ZtVWFyaU1iOEVNU2dkanZlZGd2VVBDeTFxNXItUTZfblY3UnByWU9maHhENU5nb0JSUkxfV3lHbmNZQkJiZE84UkZEUEZV?oc=5) · Legacy obituary
- 2024-03-19 [Evelyn Cole Obituary (2024) - Bradford, PA - The Bradford Era - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdllNRFlqYlZjTEVFU2stVklJWUhIRkl2elo5WmVvck9rOExNYUpfT1FaM0dHS2RwNEg0TGJoUG95eHRscWdpYllXSzBmSUZMTkxYR1BITGZkTlB4MFR4WXdYMVNtc0djYkRPc1ZiZ3JSZXpkZ291VjYwZHdBRGJCMlpjUlktRVI4T1RUUWFBTQ?oc=5) · Legacy obituary
- 2014-11-19 [Ernest Retzer Obituary (2014) - Bradford, PA - The Bradford Era - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUmdxakdJUGF1UXhCSndKalEyck50TjdidEY0SDFmYk1ZYTRPOTA2c3AxZDNGbkVsRTdEbGduQVM3Y0FpbnVmNmpnWE90cGRKM0Y5NWwzd18yZ3diLXE5NC1HQUUwdDhsR1JwTXZLVTRiUUlmOWY4ZWlsR0RyYWQwUHJteXY3MmdXYUhIMWtzWE9Edw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13823 (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/63.json (key "13823", 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=13823
- 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