# TEAM FIRST
LANCASTER, PA · NCUA charter 14829 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/team-first-14829

Who the members are: federal charter, multiple common bond, organized 1962. 812 members of 16,800 potential (4.8% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $8.9M |
| Members | 812 (0.4% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 12.5% (p35 of band) |
| ROA (annualized) | -0.87% (p11 of band) |
| Total delinquency | 2.98% (p86 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 44.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p53 of band) |
| Operating expense / assets | 5.34% (p83 of band) |
| Vehicles % of loans | 22% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.96% (p87 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 7% |
| Average share balance | $5,520 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,829 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | losing money |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 1 | delinquency rising | assets shrinking |
| 2018-03 | 3 | net worth falling, losing money |  |
| 2018-06 | 1 |  | delinquency rising, net worth falling |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | assets shrinking, members leaving | losing money |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 4 | net worth falling, losing money, delinquency 2x band |  |
| 2020-06 | 7 | delinquency rising, charge-offs p90, repo signal |  |
| 2020-09 | 7 | margin squeeze | repo signal |
| 2020-12 | 8 | loan book shrinking |  |
| 2021-03 | 3 |  | members leaving, losing money, delinquency rising, charge-offs p90, loan book shrinking |
| 2021-06 | 3 | members leaving | net worth falling |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 2 | net worth falling | margin squeeze |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 3 | loan book shrinking | net worth falling |
| 2022-09 | 2 |  | loan book shrinking |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 |  | members leaving, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 5 | delinquency 2x band, delinquency rising, assets shrinking, members leaving |  |
| 2023-12 | 6 | loan book shrinking |  |
| 2024-03 | 4 |  | delinquency 2x band, delinquency rising |
| 2024-06 | 5 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2025-03 | 3 | net worth falling | members leaving, charge-offs p90 |
| 2025-06 | 3 | delinquency 2x band | net worth falling |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2025-12-08 [How Servant Leadership Shapes Team Culture at Alliant Credit Union - Built In](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcTdQYVQtNTVRcm5VbExHRUtXMzdQYi1TU2JRUzVQS205ZG5oUEhkSWV5bENfSUt6YVdkMnM5c0ItRVY4VnNfb01xaXhZaDJJWE0zUVlYZC1FMjBTb2JYdEdVenN1Z2tCRlJWV05PbHlyRmtfNjREWlp4YVJaLWhabW9EWmZKT1Q1YlllVC1US2gtLTU5dTZyX2lFdFJQRzh6LVE?oc=5) · Built In
- 2022-04-14 [GOLD Credit Union puts members first - The Morning Call](https://news.google.com/rss/articles/CBMiekFVX3lxTE9BMjRJd1IwVHpYZ1VPZWM4ek93TEllQzlFOVl5UHNwQUFZU3poYWF0UzRhb21PZ2E4SWljTFFkRnlILXRBdW92WTl5TTNiWksydkxfZmVMZTB0MUtUYmd5d3VMUmF3LUVCYkFweHZ6UGRpeGxReG1pc0NB?oc=5) · The Morning Call
- 2025-06-30 [Colgate’s Diehl, Holy Cross’ Kenney and Bucknell’s Roberto, Receive Patriot League Award of Outstanding Leadership and Character - Patriot League](https://news.google.com/rss/articles/CBMikwJBVV95cUxOUF9OV29rUXJrODF0NERpSWdBOVktVFFnTWdBdWJINFdKZHdubXhqbEw4bnJXYk1OYlRTZExZTmVGQ3pyTHhsbVkzRWZ2c0NBbTlCZzQwZHd3RHdMbnVzdlBZMHlBU2pLRDVsam01R1hGbFNmOEdmVmNWNmVfTlJnUXhxUE1RdDFzZUNDdjBkVTJjRnFiZ3ZvSkZLYmpuRVJFUmZCaDEyMzJHd1psaFpfV2tsSkNWcG4zTWU2djBmeWlneXF0SVA1YmJTTlVpTVpkQTRWY05FZmtJdmJmX1lUQ3lFZkx5eDhoU2VwWlVJSnpXOFJOMTZGVWRYa1RNREUtY2wzN0VxMVV5VUJaN0ZzR0xMRQ?oc=5) · Patriot League
- 2024-10-29 [GCU Dance hosts successful recruitment weekend - Grand Canyon University Athletics](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUU9pVEdpVmFlZ1hFOUE0ckliX3ZSZGYyTXVuaVA4SFhVSDUyMU5qbVhVTmRUejYxanJZc1lwWEpmUFNYbEVYRWdUQnVEdFROM05JRFIxZGszcjdydHJvQUhNSGF5RG9JZThvOGpBVDhiU0xRTWNTTnJfaUFCYkI4QWZvWmtNbTBudnhjQUNydGxhUlpRZ3hUREhYWl9qNDJJVkJNczMxaEV1R3hjUmZzeVBpRlNza2t2aXBiR3BNcno?oc=5) · Grand Canyon University Athletics
- 2016-04-11 [Schafer, McCarthy: Service Credit Union Student-Athlete Spotlight & Weekly Roundup - University of New Hampshire Athletics](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPQVNFcGdheks3VDNRUHNHMDUtbXNKd1l3bTZOQkJ5T2k2UW9uNm1pR3h2TEFHZFFsNHdkblJWV0hOR2pvWElNVS12OUM3Wk5oR1NmU09SWVJkMmVaWEJzRkpPSkEzWHluSDRYTDh5V0U4cEc0d0kzdjlERnJaX1RxRlZSdjdtdS02U2t6ZnNENWM1bi1hdVp1YVFudTRsZTh0bUItbFFHaXN0UmR1REplcnhhb2dORnduZWlFSlhIdXpNLUE?oc=5) · University of New Hampshire Athletics
- 2020-01-03 [TruMark seeks to complete another acquisition, add four new branches - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdzhxcXEyb1kzSHBGalBIZHVMUnRhdVRvLXhlb2hHbFhaWXNKbHlaUmZjRjc5dlE4bjJ0cVNuUExld2ppLXhva0locE5MTEZqS3BDOE95amVWQzhkQnZHYy00UzJ5OVhhYmJOaGs2ZWpKYjU2OWt1WnVIVkl4U1Y3ajQ5NVRzRGVvTV95U2N0NGlCMFFzdE05QmVwSlBoSG41dkF4TC13d3lzNHluYXhkVQ?oc=5) · The Business Journals
- 2026-03-18 [Tampa Bay Sun celebrating championship Wednesday - FOX 13 Tampa Bay](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdDM1TldPemdlTmxSMkx1aE9ZRU9rQ3BwMWtWUjU5ZkxyOHFOOC1FZ3ZOZjhfS2hCcWwzZjNKdXBvMFEtdk1feTItSUJzZlhsUGJGeTJmSG1GYmJqX2FhYTg5R0U2aF9xaW83M19WbjZfMDNzc1REcjVVaUpLMXdkMXVoa2RiNFpOMURPakQyT25PSUVYV0J1NUtKc2RYWlBQcF8yZDQ1dW9TS2pDVk80TFN1WHnSAboBQVVfeXFMT19HZGdKUlRVWFFrX1RQYmNUdEN1bDNTU01nZTlNVHJraF9IZkVMWGxLeXczTVNIcGFzZHVNT1gyUnVRbGk2RURsOThPZTZ3OHh0U3l2cWw4X2RVeDlWQUlZSHRNd3lhb2dMQXBySzFTelJTcnVJQ2NlRE9LcGhvQy01Zi1wb0tJdDByMHo0eFo2SFRHMlJMa2F2ZG45SFhlTDBfV3Rjc0RMSWgyU1VzclJZenZtTVlFYXZR?oc=5) · FOX 13 Tampa Bay
- 2025-03-01 [Blue Jackets 5-3 Red Wings (Mar 1, 2025) Game Recap - ESPN](https://news.google.com/rss/articles/CBMiW0FVX3lxTFByUlkzU1VuMUVUX3ExWE5nZHI5aDU2SVlkMmZ0THVYSElPX3I2OEwtVkJFcUFqalRIZ0FZZHp0cUhqenVqQzljMHVrNTh2ODdMeG9VZXVQOWtJVzg?oc=5) · ESPN

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14829 (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/45.json (key "14829", 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=14829
- 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