# GNC COMMUNITY
New Castle, PA · NCUA charter 1542 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gnc-community-1542

Who the members are: federal charter, community charter, organized 1936, low-income designated. 11,564 members of 50,000 potential (23.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $85.6M |
| Members | 11,564 (-0.6% YoY) |
| Full-time staff | 18 |
| Net worth | $13.1M |
| Net worth ratio | 15.3% (p72 of band) |
| ROA (annualized) | 0.39% (p34 of band) |
| Total delinquency | 0.41% (p39 of band) |
| Net charge-offs (annualized) | 0.19% (p44 of band) |
| Loans / shares | 58% (p46 of band) |
| Cash / assets | 23.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p52 of band) |
| Operating expense / assets | 4.28% (p74 of band) |
| Vehicles % of loans | 74% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 163% (p92 of band) |
| Vehicle delinquency | 0.31% (p32 of band) |
| Vehicle NCO | 0.11% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 22% |
| Average share balance | $3,826 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,227 |
| Loans granted, annualized | $10.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 3 | 3rd-party paper>100% NW |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | losing money, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | net worth falling, delinquency 2x band, assets shrinking, loan book shrinking | 3rd-party paper>100% NW |
| 2022-06 | 4 | delinquency rising, 3rd-party paper>100% NW | losing money, net worth falling, delinquency 2x band, loan book shrinking |
| 2022-09 | 2 |  | assets shrinking, delinquency rising |
| 2022-12 | 4 | delinquency rising, assets shrinking |  |
| 2023-03 | 3 | losing money, delinquency 2x band | 3rd-party paper>100% NW, delinquency rising, assets shrinking |
| 2023-06 | 4 | assets shrinking, 3rd-party paper>100% NW | delinquency 2x band |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | assets shrinking |
| 2024-03 | 3 | net worth falling | losing money |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 5 | net worth falling, losing money, members leaving |  |
| 2025-06 | 3 |  | net worth falling, losing money |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | members leaving |

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

- 2023-02-02 [GNC Community Federal Credit Union celebrates CEO Dianna Cecchini’s incredible career as she retires - CUInsight](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQVjVLSzlObnJzRGExZk5YZDNleU9uY29iSDJHa2VGYnVJMlc5LVZ5ZlMxTGJON3poN0ZuNHZBb0xBUF9pa2pXVXhrTkp6Z0NJWGlrbnUxWGN1bEphbEt1a3FOamNzR0RKV1NEUDNHcVRfTFk0T0hKQ1lJRnJvcFl0RW1jT3RxR2VzTElfeWpURlNNUzIwR3ZoNzIwaVBpOUFFeGt1T2NwU19UeFZGSWdDSmJDRm5Zd1B3R3Jfbng1Zy0zMFNEdDJac0g0R0hLLVN5dV9uUnpkYw?oc=5) · CUInsight
- 2026-01-20 [Tiffany Dian Booher Obituary Dec 11, 2014 - J. Bradley McGonigle Funeral Home and Crematory, Inc.](https://news.google.com/rss/articles/CBMif0FVX3lxTE1oZVE0cGpTcEtKVFhfeU9Tc2tBWjRVNmtCbGdzQTFwRjZSNVNmWGVRb04xVFJ6RmdLVlRuUjhxZG85WWxUbVNuVGZNSUxlbHZ2SG5jZTE4MjhSeG95bHdCQmFMRjBpRDg1b1FXVXdsbHJBY3RmTTI4SDhIRC1wUms?oc=5) · J. Bradley McGonigle Funeral Home and Crematory, Inc.
- 2025-01-09 [Dianna Lee Miranda Salman Cecchini, Canfield, Ohio - WKBN.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbEtQU3dfdE5zVWpEanBDWmxrMTFxei01QVYwanVXeG1qdWpfbG9sX1FSLXBNdF9wZDN1WDVual9kRFZMak5ZcXNjdFVIa0dWcXlRdWh2Ml9qaFg0bDBLVHVVcnRFcmUzT3JjbVpqV1ZFekdURFduc2hZbTFOczZocVJfcWgzNDBsM0R2Qm1fOW41VHfSAZgBQVVfeXFMTmVKdnlFTGRzaXFpV0pBa1FKbG03bC11Q3ZxT0RSSGVsR0tQeUctaDY2U2x0Mmk0TTBpclZFby1OOVFCaW5Yb3NTMGFxMWowR3B6LTBZd19XaFl1ai1mcWdTaENkVTdrSGprWWlvWnZLSWFJcU14Mi1aX3hKNWJkdXVhTWpJV29wLVFwSEdJMUhyT0o0NmFrVEo?oc=5) · WKBN.com
- 2026-01-05 [Leo E. "Dutch" Carlin Obituary Feb 18, 2017 - J. Bradley McGonigle Funeral Home and Crematory, Inc.](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbVgxNDZMX0l5SkRRWVZkVkw0NGlSUlBDM2E4bGJPaEp5di1DUzdRV0IxTi0tZGsyZjAxZUV2WDJBeWYzX1JLaTB5VjU3WW9xMjhuOXZEYjBKZExXMlc1a2l6UmpvYjA4RGU5ZUtTZElZNVJaOThxYzVsZ2w0aFgwb1JB?oc=5) · J. Bradley McGonigle Funeral Home and Crematory, Inc.
- 2023-07-02 [Kathleen “Kathy” Marie Tomasetti, New Castle, PA - WKBN.com](https://news.google.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?oc=5) · WKBN.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1542 (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/6.json (key "1542", 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=1542
- 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