# BVA
Belle Vernon, PA · NCUA charter 16063 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bva-16063

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 2,201 members of 10,000 potential (22.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. 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 | $39.1M |
| Members | 2,201 (-3.0% YoY) |
| Full-time staff | 8 |
| Net worth | $3.6M |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | 1.04% (p71 of band) |
| Total delinquency | 4.15% (p91 of band) |
| Net charge-offs (annualized) | 0.84% (p83 of band) |
| Loans / shares | 25% (p9 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.56% (p10 of band) |
| Operating expense / assets | 2.61% (p21 of band) |
| Vehicles % of loans | 26% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.17% (p81 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 | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 29% |
| Average share balance | $8,309 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $11,156 |
| Loans granted, annualized | $733,140 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2026-07-29 [BVA Federal Credit Union expands footprint with community charter transition - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxOUUVlMGNxcDFwUEZaSVNTS0taS2RFcHhQbWJRcEV4VWctY3ZreEVaV0gwZFZHWXd4amJ5NzlNdjZMRHdxX0R0WFhEcmJWQXFjaGVQYVpSOXgyTnVxRVpVbHp0NjRxTk5ITDVQQkVTeDU4ZFpRYWZMdHdFYVNfQUcxaVRJSldSYmI1eks5bQ?oc=5) · The Business Journals
- 2025-12-12 [BVA Federal Credit Union supports local food pantry - Mon Valley Independent](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYWt1NVpVdWdOTk9MZE9Zb2NDSGo0NGlXMkNJS3NzaURKWnozcHRzOFlpWlVycjJpUEt6VWtUeDhoaXF6R1VLTXpsMWZYWjVxMlZFYlBtMlR5RGRxcW9BTFE0YXlEb3NGTVFfbVpXa2VJRlJ2emVEWldDNWZEQkI0a18xeFhyOGYyN1RDemxGSno0RkFycmtsSXk3WnRmSmowb1E?oc=5) · Mon Valley Independent
- 2020-01-30 [BVA tops off Idaho Central Credit Union office building - Idaho Business Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxQN2VyQUFvcmV1cFdlOUhHZDV4SWU0QUZHUjBuRmhuX3BqMHRxLU51dXkxV19xY3dSYm5WaEMxaDU4TnhwX093SjdCNGNLZy1xRktZNUp5eGJYMHlIOWwzUzdLWFRNa2dSdnBSeWRWQjlWeEQ3Q05rb3RBN01FUUl1c3QxVFhRR3ByUkNNTE9rWGhBVlZlWDlsOE8zSUtsOVJM?oc=5) · Idaho Business Review
- 2021-08-01 [Dale Patterson Obituary (1943 - 2021-07-30) - Rostraver Township, PA - Tribune Review - Legacy obituary](https://news.google.com/rss/articles/CBMiowFBVV95cUxOX05KN2lIWF9uSEozUVJkc0VMVzJkZTVMbW44WTFKNkdyTE1XUEhlZ3hVc05UbHRYSDkwOWplVVR4bHowemJia1I4Qi1ObVY4X1hKVmNKemFScTQtSWNuSmNibHJZU290aE14ay0tY2FuQy1DV2ZHcEszN255RnRpWDZENFVOOTlMOXhDVE42Sm5mYk9ELUxJTUZZbktOTUJBRDdN?oc=5) · Legacy obituary
- 2025-08-19 [BVA Rotary Club gears up for 5th annual regatta - Mon Valley Independent](https://news.google.com/rss/articles/CBMinAFBVV95cUxNOGF4dDMydVZDc20yOEhYVjJkWlFqcjNlSmhsVkVRVWltYUZWZjhtRWVYXzk3MGE2MWlsV0pjQ2lUUXRGWTRDbnVjclZNUm5TSVMzdmZHbHRTM292VVlhQ2FiampGcFNVS1R5Vm10YUVyanFBOEluLWdGbkE5ckNYeTBaR0dBeFhqSVpRaEtfUnpRY1MzWW1VVUxTT2w?oc=5) · Mon Valley Independent

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16063 (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/63.json (key "16063", 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=16063
- 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