# CITYMARK
Plains, PA · NCUA charter 14074 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/citymark-14074

Who the members are: federal charter, community charter, organized 1960, low-income designated. 7,774 members of 152,000 potential (5.1% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *ordinary*. 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 | $148.3M |
| Members | 7,774 (-0.8% YoY) |
| Full-time staff | 21 |
| Net worth | $24.2M |
| Net worth ratio | 16.3% (p89 of band) |
| ROA (annualized) | 1.74% (p92 of band) |
| Total delinquency | 1.06% (p76 of band) |
| Net charge-offs (annualized) | 0.51% (p69 of band) |
| Loans / shares | 76% (p62 of band) |
| Cash / assets | 26.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.98% (p69 of band) |
| Operating expense / assets | 2.85% (p22 of band) |
| Vehicles % of loans | 47% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 8% (p40 of band) |
| Vehicle delinquency | 1.30% (p81 of band) |
| Vehicle NCO | 0.82% (p66 of band) |
| Repossessed % of vehicle book | 0.53% (p95 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 24% |
| Average share balance | $6,181 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $19,098 |
| Loans granted, annualized | $23.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | repo signal |  |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 1 |  | repo signal |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 1 | margin squeeze | loans>95% of shares |
| 2020-09 | 0 |  | margin squeeze |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 2 | net worth falling, delinquency 2x band | margin squeeze |
| 2021-09 | 0 |  | net worth falling, delinquency 2x band |
| 2021-12 | 1 | loans>95% of shares |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | net worth falling | loans>95% of shares |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 | delinquency 2x band | net worth falling |
| 2023-06 | 2 | loans>95% of shares | delinquency 2x band |
| 2023-09 | 1 |  | loans>95% of shares |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency 2x band |  |
| 2024-06 | 0 |  | delinquency 2x band |
| 2024-09 | 1 | repo signal |  |
| 2024-12 | 0 |  | repo signal |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | delinquency rising, repo signal |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2024-09-18 [Credit union membership grows, but for whom? - CUInsight](https://news.google.com/rss/articles/CBMieEFVX3lxTE1sQWR4b3BuOEhDRjBtYnVCSzdwMTFJX1l1UXpVRFZWa2ZNbzR3Z1Nuc1VIYUQ5ZmJ5RWQ0VWpRRjJuNnpqYUtJVm45UkI2UnNIbXpqSXpnVnVyV3VZc3hvSXM3b0huS0l6aWRJM1B1b3YxQnVlNnplYg?oc=5) · CUInsight
- 2019-10-21 [Citymark Federal Credit Union Wins Best Website at Evoke Marketing Conference - Issuewire](https://news.google.com/rss/articles/CBMivAFBVV95cUxONEFoVmlQeEttejl0TE1pWlpHaWxOMEMtRkVNSWtUSE5nRTYwMmF4WVd0SUV6UnJFcGkzNGo0WjVNMWRhbVFLbGtwZF81Y1NpYmxVNXV2eHRmb2g2N2xPY0ptNjBrdXZJUkNFa19aMUE4NS1IdGRDQUwtTFhZRkVEb3J6STlXQ0Y2Z1FLMkxyUURfWUNrNjAtWFpDV3JLNi0zOUNJYWMtVHRQR1M3ejBRU1RHX2hfcHRaOFVwVA?oc=5) · Issuewire
- 2024-12-16 [Credit union, Starbucks, Dunkin’ coming to Market Street Square properties in Wilkes-Barre - The Citizens' Voice](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPNEkzZEsza3ZYVG1WY3pRZ1MxRmVGTWM1SVlmX003c2V6b2dKMnA3djNrQU5TY2tYWncwQjZ4cDJZWEZmQndxT3dyRjF4dzNLeUpUQ0Y4WTIxcmhyeWdkRWcxQVAzdTcycW5sVkV2VVg1dHZZVThybDJCbVFJNTYxN0dyOFJpSFB2cW0yWkVlajUtaF9fNzhFUWxoUllETVJycEdodXM3R3VKbVI3ci1yMHJOOEs3anB1Yk5XbjRYQzV3c1IyNVliMA?oc=5) · The Citizens' Voice
- 2021-08-21 [Banks and credit unions modernize and invest as they emerge from COVID-19 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxPUlk0WmpWOUduWEh2YkswLXpIUXhObUJETW15VFU0aEo5T19VcTVnWlltNVA5cFQtVTdoSENMX0FLemhiQWZVcmFwdy1QMnZDdlVPZlM4NThGMUVmMWNhTVdBUmx0RVgxbmY0SVRIVEN6TWFqblZGUHVKR3M4bDRyMmh1VkhsWGNkektLcE4tdEdBeGpXRjJkazVQZjM5amlXLVRSNnZMbkJKUGlmQzN5LWQzZjZnckpTSnc?oc=5) · Scranton Times-Tribune
- 2026-07-21 [Clifton Dee Long - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxONmV0YmYxSHk4MGZtNGNHTlpXNkVORDB1TG5BRGlnWDJ5ZUxmX1BZM21hSndoeTVUc0JnU09ZYnlzX3FNV1h5bDZFU0xYcF82WUpqTlpLeWIyN0w4ZmFORVQ1TnZ4U0JvcklHNEZhOFlhbVVhRXpSYkgxREl5c0o1dA?oc=5) · legacy.com
- 2024-10-27 [Independent bookstores are stacking up in Northeast Pennsylvania - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMirgFBVV95cUxOQy1kbjIyUFhJcjhScXZWdktvbWlsaGpnYzhfdDFWN3hZZnpyQkMzTVItTGEwYjQ0ZEFwQ3laTE9xbENldTN3SkIzeVJJSmxqR1lJMlJkTWlaZkw1cVdfZUFmY0xTMVY0SUNRTXVtZVZ3bEk3S0xyQWc3Vl9Pd2NibHo1elZJSXREV2JzMl9ObzFwQUFhTFlaSUpobFFLcUVWQU14THBFNURqa01fSUE?oc=5) · Scranton Times-Tribune
- 2018-06-17 [Property Transfers - Times Leader](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5jOENtbGhDMFB2akRKSnkyVmdBZUE0NWc4VloweEpkcm9QNnJ1ZnVYT19ia09Xd25HOGVvQ3BKeDJvVUJiYi1VdE9EYnhKcDIyV1VJZHhrRy0wQQ?oc=5) · Times Leader

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14074 (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/58.json (key "14074", 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=14074
- 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