# PATRIOT
CHAMBERSBURG, PA · NCUA charter 16574 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/patriot-16574

Who the members are: federal charter, community charter, organized 1965, low-income designated. 81,733 members of 779,194 potential (10.5% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.33B |
| Members | 81,733 (2.5% YoY) |
| Full-time staff | 222 |
| Net worth | $150.9M |
| Net worth ratio | 11.4% (p63 of band) |
| ROA (annualized) | 1.22% (p83 of band) |
| Total delinquency | 0.29% (p14 of band) |
| Net charge-offs (annualized) | 0.29% (p23 of band) |
| Loans / shares | 81% (p35 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p42 of band) |
| Operating expense / assets | 3.15% (p46 of band) |
| Vehicles % of loans | 57% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 94% |
| Third-party paper % of net worth | 349% (p90 of band) |
| Vehicle delinquency | 0.38% (p25 of band) |
| Vehicle NCO | 0.44% (p14 of band) |
| Repossessed % of vehicle book | 0.13% (p69 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 39% |
| Average share balance | $7,527 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.3M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $21,588 |
| Loans granted, annualized | $381.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.3M outstanding purchased (14.8% of net worth), $525 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | auto monoline |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | members leaving |  |
| 2023-03 | 4 | net worth falling, auto monoline |  |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | members leaving, auto monoline |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-02 [Patriot Federal Credit Union Announces Independence Day Hours - Franklin County Free Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxORDFGU3hlVHFoWmZGYlhpaU9oeDV5c3haTmJCblZTNlppTlYyRTBQVnEyUFFNMUNVVzZDS3RDemJINGRibnRSTHMyTzNseXZ2RlR0NWU5dUVsU1dodlVWWXlySU5xMzkwQzFtMTJrbVNqb3dBejlIVUVxNU82QnRKVUFUQ201bm9YcDc0Tl9SU0huQQ?oc=5) · Franklin County Free Press
- 2026-06-09 [Troopers seek suspect who posed as credit union worker, stole debit card - local21news.com](https://news.google.com/rss/articles/CBMirgJBVV95cUxOQ2VYQlpSU0M2OVdqWjlDcnNfOXFBUjE1dmhnM3ctQmZXQnUyRENuYVI2ZkxWUFlWTXhCWnFPcFlQYlR4VGxjVFFVUGFLTjBQdGUzbjVnQ0V0M1dWbXB0ZnZkYld2WDktcjY0QVNVaEo5OUdjdW0waTFfWEVsWFlINlZ5ODVocTlScFB0UW1RYVFYT3VTcDBfQmo3eDRRZ2dRU3FDWVNhQTY0eWdqMWtZUllwXzU0emV3QUNvYThWZHJYeEltbVBMWUVKN3JsV3pGbExGbTJsSlMwbWVZeDBhN29GRk9mSXh6TVExTWhYcXFBQ1NIZnNNQlk2YnlZZEZvZzVTTGg4cF8weHAyZ0I2VjBOWEtDSFpiSjFyaGZPa0N2WDZTU3NPem8wWmJ6UQ?oc=5) · local21news.com
- 2026-03-05 [Quarterfinal Round of the 2026 PenFed Credit Union Patriot League Men’s Basketball Championship Tonight (3.5.26) - Patriot League](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUkxRc0pfcTF4bl8wUWR2dVF6ZVJPS1VqNmgweGkwYWh6TEJkdGVTVVBtLXU0RXY4WnNTM3RRcWhESnlMajlhM0d2LVctaUthdHRRakxsb0lZZldOYkxwSlJBQzlSRk0ycU5USm41TFJTVXU1QWpQN3VUcEZ6dHpMckpoT0JQZFhhZ0ctWVBPdHNibnJIRGwxX0hMdkZkSWR5OERfVGhwRmNBTjB5M3hLRG03cmRxaTJod2xya3Vfd282Rk1rR3JMclhGVlE2R2kwRkFFV2tvdENsd3ZVMFk4dnd6eG5IeUFpSXc?oc=5) · Patriot League
- 2026-06-05 [Patriot Federal Credit Union To Host Shred Day At Wayne Avenue Branch - Franklin County Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxOTDY3OE5lREQ2UmdGbFlZa1RoRDd6dU9Eb3lDSVRGSVRERmJWNDJXMVFtLXhpbi1HUV9Hdk5pQTI0bkZGS0FwMGR2MXZtQUp1WmhHdVF6MzI2Y3pLWDdET25LWnFUaGtmNUN3Mm1FZHB5cEZ4VzVZdXJfd3NtZ2FEeHEyeUFiZGpCLW81clZRNWp0djA2U1ozczdkNTc?oc=5) · Franklin County Free Press
- 2025-10-16 [Patriot Federal Credit Union ‘finally’ opens an office in Greencastle. Learn more - Waynesboro Record Herald](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQcDZPcldBUDRzejJ4UW9GMEZ4NnJaYWZRUnROVngwOFhkQ1pxNnpTaVVjbFR1ZHZST1pyZUtqS01nUGloU3Y5MkFrQUE0a3l5V0FrQm5MNGIxTFJoTlczNm5rU3JYbDllU09salVCYVN5Mlh0V1hjTF9hcC1BdEFzUm9fVWV2TWRvbEVVdjlPRnBLbGR2aUduUTFSUG1aYW9DbHZLQTJDUGpFdHZTa25FLV9QWGdmenVKa1oya2ZhcDEyVXdxNnNpU0prNm0wcDR0WFVxRktpX0Zyb3g3enN0MjUzMXlvbGdEUzdscUFZbEI1M0Q4MjNJTw?oc=5) · Waynesboro Record Herald
- 2026-02-28 [Patriot League Men’s Basketball 2026 PenFed Credit Union Men’s Basketball Championship Bracket Determined (2.28.26) - Patriot League](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQQlptSTlQdF9lY3RUR0t1NXAyMUswMVI0NG9RcUZtbG1tejA4S1dGcTkySHFMRHBZZDVUUGtkYUVNczN0Q3BfTnlYSEltVU0zTHM1WWo1NXRTcXJaRlJkTmNIZEtzeDNIbXJaSWdKelFUb0NTdkw2RUstWnFjV1BndkpRSDJJSml0amlvekNZbzFUSkwxcWtHNWlPeXZWbkZtd2NoNFZ4Z1pkUGJsZXVLNjVZSVNOSVFEQktKb0ZSTEs0dUFwWEJqdXJXbWpVMjgyQU1BeFl2TmZrZUNDV093Y0ZNdVdUMFpnSWlSdVdB?oc=5) · Patriot League
- 2026-06-18 [Patriot Federal Credit Union Spotlights Director of Member Services - Franklin County Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTzcydzhPZGdnMGtOTDItbnRwdlRKUl9QbUJaZzVsSlg1aEEzVm5LYkFsOVkwQmotVmt0YXd2MXVqdkszd2R3SjNfYXVoQlhsLUxJc3dmR2tFZ2xjMnRRdm16ZEJXOXBMU3dRZl9CU1NfbnY0aFY2anJBVXZibnpVZEl2TlhKQ0wxcVVOdHBjMXhvaThPcHRoLXR3?oc=5) · Franklin County Free Press
- 2025-09-16 [Opening soon in Greencastle – Patriot Federal Credit Union - Waynesboro Record Herald](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQSUViU3VOa3N2aFpKeVp2T0JnQjJLbHlUSC00LUpDemI4YmpaZlFpUzc3ekxjRDNqeWFVLXB4MnhLSDhxcHFacHVyOUphbXFoTzFjMEVPV1lnSjhQZ0V0NVZwT1RQQjBfY1cxU1VseWdDUTg4TTVpNWVlcFhlcndRQTVTX2lGb3IzNXJwVTNpR244czlPSGJGR1FDbllqSzJXbEFCcWxEYXFDT3pXMHVxTU1aam5ySjQ3LW92QlFFVEx5VmZtMm9RaXhmdFUwa0JPc1k5WjB3Yng2d19jZWZ3Rnlub1BBbmlmSjRxOUxGaGwwbVI3M0xoeWlZVQ?oc=5) · Waynesboro Record Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16574 (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/62.json (key "16574", 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=16574
- 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