# INGERSOLL-RAND
Sayre, PA · NCUA charter 14425 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ingersoll-rand-14425

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 8,209 members of 14,500 potential (56.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $125.0M |
| Members | 8,209 (2.8% YoY) |
| Full-time staff | 27 |
| Net worth | $16.8M |
| Net worth ratio | 13.5% (p71 of band) |
| ROA (annualized) | -0.26% (p6 of band) |
| Total delinquency | 1.85% (p91 of band) |
| Net charge-offs (annualized) | 1.07% (p90 of band) |
| Loans / shares | 64% (p39 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.40% (p34 of band) |
| Operating expense / assets | 4.10% (p65 of band) |
| Vehicles % of loans | 31% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 3.08% (p96 of band) |
| Vehicle NCO | 2.48% (p95 of band) |
| Repossessed % of vehicle book | 0.23% (p87 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 30% |
| Average share balance | $6,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $15,996 |
| Loans granted, annualized | $32.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 1 |  | delinquency rising, members leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, delinquency rising |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 2 |  | losing money, net worth falling |
| 2020-12 | 2 | losing money | delinquency rising |
| 2021-03 | 5 | net worth falling, margin squeeze, charge-offs p90, members leaving | losing money |
| 2021-06 | 4 |  | charge-offs p90 |
| 2021-09 | 2 |  | net worth falling, margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, charge-offs p90 | members leaving |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 4 | repo signal |  |
| 2024-09 | 3 | charge-offs p90 | delinquency rising, repo signal |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | losing money, margin squeeze |  |
| 2025-06 | 3 |  | losing money, margin squeeze |
| 2025-09 | 3 | delinquency rising | net worth falling |
| 2025-12 | 1 |  | charge-offs p90, delinquency rising |
| 2026-03 | 4 | net worth falling, losing money, charge-offs p90 |  |

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

- 2023-08-26 [Ingersoll-Rand Federal Credit Union holds ribbon cutting ceremony for new Wysox branch - The Daily Review](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQVndTT0hLTTNoMWxjeW1wNnpPcXhmenhtcE81d1V5bHdLdFpHZzBEOFA4ZHBhUmZMWVhuVDMwdzNpSl9nT1VfcXJpT09NeUVBeTFVNzh0ekF1Tnd2ME16VzZPQk5CRFJ5bC1qbHNlZmFfMVh4MG1wVTByaDMtZm9mYmRUNmpXT3R1eEJSTnVXNFlURUdiNXY5S015ZUFGbGFscEVJX2VOaVZObDE3RDZWbnBiM0RmRDFZR3pwUVN6ZG5xc1lSd1dEN0YtU2FVTTRDcGpYYzFkT1htUnJUYlFtTWM3UDRacEt3eDhmSnlLaERfcmNZci1MS01pR01jWHFuMF9SZGNZQnU2b3M?oc=5) · The Daily Review
- 2025-05-23 [Pamela S. Yeager, 75, of Lehigh Twp. (Obituary Brought to You by Heintzelman Funeral Home) - sauconsource.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQNE1MZDk4aUxPUmlyVTVvZ2w1cUZqUFVVcEFSVmt3T2pLczZuaE41Und3dVc0cnFNVVhrSmYyRDhybGhOQ0dnWlFiVWtveVROb3p6VklKUTRrTTBDR05DZ1pIV3l2UVE3ME9jeGRld0VaM1ZIZE5sVVdELVlQbFpKeVE5dDZFNVVqaWg1M1BjOWV0VWY5Nmx0MFJrU1VBZm11TjVWVVdLTzhLbExsSTFacWRwZFBhRzNuYTY5ekt3?oc=5) · sauconsource.com
- 2022-01-03 [Raymond Swett Obituary (1920 - 2018) - Phillipsburg, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUmthUUVrdFZWOVE5YzAwNmg4eGoyTDNfYWxMclU1TW0xU3VBVVFic215WnhidzFTSGNfYndVRFJzRFNvZ1FiVk1uYldqV085MzhBdU5OcENCcTh2OTZRVzhNbGF4dWY0NXN1TDV2OXhmdHY1d19kb1A1XzlRR09aSm9sRkZiTm1ZV1Q1b2NZNS14czVicXFZTQ?oc=5) · Lehighvalleylive.com
- 2025-07-16 [Mildred Urda Obituary (2025) - Elmira, NY - Walter J. Kent Funeral Home - Elmira - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOa28tRWpjcC1rOWh3NU1IMW4zckp1RE41Vi1xTzhESldPLVhwcmZFTWlWdVJXcFJlTEo5UVgxWGlqM3JDOXhEYWRJQWliWnRxblFSWUpjR0R4anZjckZrQUpUTUxMMC1YVDZvdHE4U050RmlyMk5TbFdRQ1d4b29EVA?oc=5) · Legacy obituary
- 2022-06-23 [Toni Hixon Obituary (1948 - 2022) - Hollywood, FL - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTzVkZ0NKVExRdEpRNjRnbGdVQnVwdksyZ19acUdPX2RQaG9VanBHQW1kMVBJd3JaanhvUHJtdm1Tc3VPMEZTdzA3R05oT3BKVkR2eTFCLWFlUmtlNTI0ZE5iQ0I3SmJ3SDVBMGNZUkZzTDZSVmJxMDA3d2QwckpXUHdkNnhYdDlaeHRsZWswS3VHVlNy?oc=5) · Lehighvalleylive.com
- 2025-05-23 [Pamela S. Yeager Obituary (1950 - 2025) - Hellertown, PA - WFMZ-TV 69 News - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZGFiUGVIT3BsUVlTMF9JVjlSUU5CVU1kc0c4QlVZVkNUN0NveW9oNGp5Wm0tbS1jTk9HVUNtcFdCZVM4Z2RtOElZemlvb2kzV2pBaktVeVdtN3lzUURJNnp4ejdyTW40ZnloZnpHNE9saUJuNjVTdE93YVcyUGR5SURuVGZKWUNT?oc=5) · Legacy obituary
- 2023-07-19 [John Flynn Obituary (1937 - 2023) - Plainfield, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNUp2NHJUVHlzcVc4SHBheW1vbU9MRzZkWjRwX1RHNjQ4TW1XQjBxTjVjZ3pIa3BXTUdNVURiNnptSXExYk9Xam1Qd0RhWVhyeVVEZTA1VGR5Vk5nOXBMejhZSkVqZHlod1haeDByWVRyVlh1Y1lZdUpOQnloZTMxM1VlbndQQVRubzF0cGd3SGU4bE5B?oc=5) · Lehighvalleylive.com
- 2013-02-27 [Jean Kearns Obituary (2013) - Martins Creek, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZ24tRHQ3VEJia25uYjJmcFJOZWE2UEhXOFVta242aWJuN1lIdEtZM1NjZ2FUQjJoYnh2TzIzODU0dDctbHVsaFh1cEpnY2t1clJDeGhnZUlVZ3BkdDk2S1BpUWxHT29hSTYxMUw1UlZuWlJ3clJlVW9qNVpFVXJlZWdab2piVEI2SWhDWmdMR0xMSHFU?oc=5) · Lehighvalleylive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14425 (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/25.json (key "14425", 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=14425
- 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