# A.B.
Duncansville, PA · NCUA charter 14879 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/a-b-14879

Who the members are: federal charter, community charter, organized 1962, low-income designated. 1,054 members of 125,000 potential (0.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 38.

**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 | $10.5M |
| Members | 1,054 (31.4% YoY) |
| Full-time staff | 3 |
| Net worth | $1.5M |
| Net worth ratio | 14.7% (p49 of band) |
| ROA (annualized) | 0.86% (p64 of band) |
| Total delinquency | 0.09% (p25 of band) |
| Net charge-offs (annualized) | 0.36% (p71 of band) |
| Loans / shares | 59% (p51 of band) |
| Cash / assets | 41.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.85% (p83 of band) |
| Operating expense / assets | 4.64% (p73 of band) |
| Vehicles % of loans | 56% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.07% (p35 of band) |
| Vehicle NCO | 1.42% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 0% |
| Average share balance | $4,610 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,281 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2026-03-06 [Schedule - FloHockey](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBRamdmVjJRT0dZN0djRGVjdVVNRFI1NlFEVHp4am05TDlyMkR4Vmc0U1cwX08xMFMyNUpwaGdCRENWY3NuWDF0alNUX0s3SXdoTUxOUTdCMmJLbjQ?oc=5) · FloHockey
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- 2026-08-14 [GOO GOO DOLLS @ THE PAVILION AT STAR LAKE - 105.9 The X](https://news.google.com/rss/articles/CBMinAFBVV95cUxOblQxUUlMaUllY1lRdmlVOTgtM3dQck5XWmx2b1BlaXd5T3JKZ3puNURDSXR2UFpMbXY5amxYZ0piWTRRRFhsS3B3WHg3UldnSGRKOW4xTW0xbU93aE9zX3hFY29Tc2gteWhMZHp1eUNGZmNzRGZQRlhIdzZZQnhpQUlGYTF1SlNZUVZMbWtVcXJ6aVRvdXZFMWwyRU8?oc=5) · 105.9 The X
- 2026-01-28 [Ne-Yo and Akon to celebrate their hits on tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTWhnR1BVX1hRMGNYb1RmQlhOVmlXMEpvOGxza2NNMS1WUWZEUGpyaDNfeW1FUHJIV21NWTlkTkM1enJlQ2trdjdmNWZ1R3dORzQ2YWZIc3Z6dW5UVzN5Zy1oRUNRLUdfVms1WmhuY3ZXVkxRRWdUMUFaTWJUWGc4RkotUkVudw?oc=5) · MELODIC Magazine
- 2026-03-16 [Metric, Broken Social Scene And Stars Expand “All The Feelings Tour” Worldwide - That Eric Alper](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPY3BhS0VZOUFuaFVOMXpkR2kxX2hRTy1SSlhyak1hakxDbHdPNDEyU2k1UW5NVGxaUHV3UXRWQmJFWVhCdmFCMnNYaVRDaXZ2M2lXOVMwQXRob0J4QVZzbk1vRGs3YzQ2NlJ1RHgzOTE3N2xESnl5WkRsendVdHBEd3dkM2xWSHBxMUdmTGJ6WEM2UUpZNEZsQVc1dGV4WVBMR3lKTlYxSVh0WElGM1NqSGVsMzZ2U1pD?oc=5) · That Eric Alper
- 2025-10-07 [HARDY Announces 2026 ‘THE COUNTRY! COUNTRY! TOUR!’ - TicketNews](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQaFZUVTlDeUFQLUFOYktlUUExYkZwc0w2U3RYLWp6cXR5MUs5M3Z0N2EyREJjeHVOVDVWRUQ5MXU0Vmt6NDBvakNETGFTUGp1YjlZbzBfUlhVWEdUU1Rvb0Fac0VRZWFLdDJuVWEwSThpM0VBZjZtVFFQNS00LUJ4ZkNrRjNRbGlk?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14879 (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/31.json (key "14879", 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=14879
- 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