# U F C W LOCAL 1776
PLYMOUTH MEETIN, PA · NCUA charter 15652 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-f-c-w-local-1776-15652

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 2,704 members of 33,000 potential (8.2% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *too clean*. 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 | $8.7M |
| Members | 2,704 (-3.6% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 13.1% (p38 of band) |
| ROA (annualized) | -0.42% (p16 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | 1.58% (p91 of band) |
| Loans / shares | 74% (p72 of band) |
| Cash / assets | 34.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.02% (p86 of band) |
| Operating expense / assets | 5.48% (p85 of band) |
| Vehicles % of loans | 31% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 1% |
| Average share balance | $2,259 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $8,321 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2023-01-17 [The 2023 Pennsylvania Government Relations Power 100 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQaGR6U1h3VWU0NzJCN19ZUFlfenJCS2hjVkJlemdlSFhsSUxub2IxYV9UekdFLUpBNmZ2OGlsOVM0QzFSUXdvVFd3anNiSkptQzFGNnlETkU4ZWdZV2NqNFd5RFJxR2YtZ09keXMzYWFQUnhyNkpndG5fS2NZWDFXaWlGVTFIR2d6T01CZ1hLYWpfaDhjRFNJZzRYcTR1VklrOGxFVk9hY1VVbGc?oc=5) · City &amp; State Pennsylvania
- 2026-07-25 [As JBS Souderton Shuts Down, County Leaders Push to Save the Plant - MONTCO.Today](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQTR3cy1ldGkyVEJEM21xQjAwTDZveXJkV3JsVjFGeElNTnA1YktyOVJXTWtVMFAxc0lxaDlZYktSNW9tWXNTVHRnc0k4WHA2UFp5aVpmQ2dUWVFfV0daZDR6YV9RQjJOSkNIMXp6WS1MWW9zNjkzOUlhRTZQOXp4RjduNHQ5MjQ?oc=5) · MONTCO.Today
- 2026-06-16 [JBS to Shut Down Souderton Beef Plant by August - MONTCO.Today](https://news.google.com/rss/articles/CBMifEFVX3lxTE92ZEttY0E1YmJxaEpSYjc4QXZMQUpCeklzY2lLMEVyUTZkdHhnVllnTHVsSFc0RDRiX0N1bDFKajY4dE9adE9mYXlhT29OVm9hMWttTHl2S2Q2by1Gei1nelhaVjdoS3FUNHBNbmZOTnU2UHl1ZUd5TzZWU18?oc=5) · MONTCO.Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15652 (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/36.json (key "15652", 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=15652
- 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