# VISIONARY
Bridgeville, PA · NCUA charter 14018 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/visionary-14018

Who the members are: federal charter, community charter, organized 1960. 3,075 members of 500,000 potential (0.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $41.1M |
| Members | 3,075 (-3.7% YoY) |
| Full-time staff | 6 |
| Net worth | $5.0M |
| Net worth ratio | 12.1% (p31 of band) |
| ROA (annualized) | 0.53% (p48 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | 0.50% (p75 of band) |
| Loans / shares | 46% (p32 of band) |
| Cash / assets | 24.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 3.44% (p44 of band) |
| Vehicles % of loans | 27% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.25% (p42 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $7,003 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $17,555 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 4 | assets shrinking, members leaving |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 | delinquency 2x band | members leaving |
| 2017-12 | 1 |  | assets shrinking, delinquency 2x band |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 0 |  | thin capital, members leaving |
| 2020-03 | 3 | thin capital, losing money, margin squeeze |  |
| 2020-06 | 6 | net worth falling, delinquency rising, members leaving |  |
| 2020-09 | 5 | delinquency 2x band, loan book shrinking | losing money, net worth falling, members leaving |
| 2020-12 | 5 | members leaving | delinquency 2x band |
| 2021-03 | 6 | net worth falling, losing money, delinquency 2x band | margin squeeze, delinquency rising |
| 2021-06 | 3 |  | members leaving, losing money, delinquency 2x band |
| 2021-09 | 4 | margin squeeze, members leaving | net worth falling |
| 2021-12 | 5 | delinquency 2x band |  |
| 2022-03 | 4 | losing money | margin squeeze, delinquency 2x band |
| 2022-06 | 4 | net worth falling | loan book shrinking |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 1 |  | losing money |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising, assets shrinking | thin capital |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-09 [West Shore Chamber of Commerce recognize women in business for character and leadership - ABC27](https://news.google.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?oc=5) · ABC27
- 2026-04-17 [Joseph Tedesco - Long Island Business News](https://news.google.com/rss/articles/CBMiWEFVX3lxTFB3U3RhV3M2QXFGbGk2NWNvNFhmUmlfMjlSWUJjQ3pSTWx2cHA5ekwwVFFUMXJVOEh1UmMxN1hxTmt0YlJQaC1CR0ZMT2gtNGZjZFZ5WDJ3M28?oc=5) · Long Island Business News
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2024-04-19 [Joseph Tedesco - Long Island Business News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE4xQU43clFwM3lyNU9qV29sVUd3anB4TGtPc19IYlE2VzZTOWU3TkdoaGdkVGN5RW5XNXhWSlAtZF9lSmQ1elZYYmEwQ3Q2OXZKc0VmN1JR?oc=5) · Long Island Business News
- 2025-03-21 [Jake Wesley Rogers Announces Debut Album ‘In the Key of Love’ Out May 9 - That Eric Alper](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMWZJVE5meXNJTlZLejdaeHRiQ01NeTZoa19TVzlDV2ZNMUNtMjczMHBFcnRZTkRWQnZFNWxRX2ZWQ2F6T2pkMHdBV1B4VV95S1QxZ2xTZlVpZUpSX29nZ29vZlg4SGNlMF93cEpnWHdKRVZVNm5wb2VsREV0UHRfZkc0bHVYOTIxOW1DRXBWOVZ6anRVMFR3ck56UUlyWmNzUDAxUUx5bTRtYmxpcnVCRw?oc=5) · That Eric Alper
- 2019-11-27 [Visionary Tech, Internet Investor Warren “Pete” Musser Dies - DELCO.Today](https://news.google.com/rss/articles/CBMigAFBVV95cUxQblk1UzR3LVIzSk5sMlNtQWh0QzdHNmpOcVA1SGhWY09wZE5nclFQY3ZsOUVMeFRJcHJ5LVZqTUZnVWRQOWhrYzRQUjdqell5dXQxQWNsQjBJWV9DWnlXLURDX1Y0XzNlQ0liX1pvNDFJM1AzZnlvUXFlUzJ1TVBsQw?oc=5) · DELCO.Today
- 2016-01-11 [Paddy Bogside Doherty 'a visionary who made world a better place' - Belfast Telegraph](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNY3RjdlBYQW5kNy05VXhlWWVBQjRGVWdqQ1NMYmFVa0xEQVZVRHV2MTFtQ0RHZmhsTlZSNEdnWmJaaExtcms5ZUNycHVLS3paM0h6QjRSYnNuWmRXV3RTMGVna0tJaFJfTDI2cWNIX2VhX19aYklUQW9xUEVPdnZEVlE3WUkxNXA0WnVseUl5SDhKX0prakVGWWlZODAyTEs0R0hKSjVOSTNBbXRYVzBLTkpseEtuUS03RU1NUXZqZVRZQS1VWGk4RWZfNlF4allnU2NB?oc=5) · Belfast Telegraph

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14018 (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/2.json (key "14018", 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=14018
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide