# LUZERNE COUNTY
Wilkes Barre, PA · NCUA charter 17323 · asset band <$50M · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/luzerne-county-17323

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 1,943 members of 3,000 potential (64.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. 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 | $20.1M |
| Members | 1,943 (2.3% YoY) |
| Full-time staff | 0 |
| Net worth | $1.6M |
| Net worth ratio | 7.8% (p4 of band) |
| ROA (annualized) | -0.09% (p17 of band) |
| Total delinquency | 4.82% (p92 of band) |
| Net charge-offs (annualized) | 1.23% (p88 of band) |
| Loans / shares | 38% (p19 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.04% (p25 of band) |
| Operating expense / assets | 3.52% (p50 of band) |
| Vehicles % of loans | 50% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.29% (p67 of band) |
| Vehicle NCO | 0.00% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 2% |
| Average share balance | $5,684 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $6,606 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-11-15 [Credit union employee stole from safe and blamed made-up bank robbers, prosecutors say - WNEP](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPR2ZNMGVtNzIydWh4ZTJYOGJ1eTUzT3F3Z3VvRlAtaTJ2RF80Z3B6NFF2X09wa1hYQ3ZoTDRjdDh3azNTVGVqc1RfcTJ6WTBqU3UteFBFTHBINkd4aVN2eHUtY0ZjYTF6SXJFX1BCWmNKRnh5NllYZGRDWnhuTkZhUlFIS0lmdTlyUFdmdVBhZU5vdW1PMUJVNG1kZHdUMHRGZG5FVktUM3B3cVRnRDJHbXVFZWZ5SlpTOVA2THJIY0I1X2taSGV5U1h5NWtoTXB6RzIxSU5HNFhQN3BzQVhkN0JaUnJtYzFWVnc?oc=5) · WNEP
- 2025-11-21 [Choice One, credit union chapter support LCCC Food Bank - The Citizens' Voice](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdk9UcEZDSXpHd1ZYcDF2bEVfTEktQ3Bnc1hCWk9JbW44UDVqQTNtc3NzV3oxRDYtOFgxbHFIaWVFZ1lKZ0JwSW1sdnpKNmRHYS1aQ2RjWTktZTZBRkQ5TEF5SWFOYWQxeVpxQjV6Y2t3STZzLUs5Yzc0Zy1fX3EzWk1FSjM5TWNBYXRzRTUwTGlKQjRxUExWZHJFN2I?oc=5) · The Citizens' Voice
- 2026-03-17 [Former credit union employee sentenced for stealing $16K by faking robbery - WNEP](https://news.google.com/rss/articles/CBMikAJBVV95cUxNRFgtM3ROWHhyQWVVWkNFMTl2NXJndXc5cnlOejctdENYUThFbnl4elRQVmdhX215bGpJYmZ5amw3NVQ4ek02cEJCVVJJT3p6N1ZvZ1dpLVozQWdnOVhxMGJVVjA3MUktYmdkVWFZUXhxbkYyaVhqUV9wTXBjRnZBZTZYa2NJdTlvV3loS1dxeTVZR0oyZFR1SW8tcG9TLTBnSXo4cUF5YjZxdmY0Yk9PUExFMEFMd1hxZGR6LXpjb08xa3N4MFdESm01Rmo3Y3ZkaGN2bEVxRFJLSXdxOUZmTmV4eEVka2lFV3NDYmVSbGlBR0Z4WkpJQk9hNEdFNkdLamxSVG5IQ3JqMnk4RE5ndg?oc=5) · WNEP
- 2025-12-01 [Credit Unions support LCCC’s student food bank - Times Leader](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQWdTNW16X0FENXdGcmJsRDNQcVNwdk96VWxEUS1uaWV0cmRCUGt6Y0xjV1VkdTN5cG9BdkNta2ZlTG0tOFdLc19qbktPcTN2d25mV1U1WUJhSVhhWk1kS3l5V1ExcFJMZjRhVWE0RWdFM0MwenJta05tbDVzUXo1dlNEdDV1ckIya21qZG5Gb2s4bF8w?oc=5) · Times Leader
- 2025-12-16 [Luzerne County woman loses thousands in online scam | Action 16 Investigates - WNEP](https://news.google.com/rss/articles/CBMivAJBVV95cUxPQWNtelJUMW1za1Q4TzdvLVBxbTBzc3BKbi02MVdNVWdtd1ZSb1cwMGVHdjFjTHp3TGJkNWpnZGM1ZVE2Nnk3UmFQdTZNYUJhU3Fmb1NjeHlMR1M0LWRVRm0tN2R2eGc5WEdEUHYya2FYdi1rM2NSUkxuX0NXRGNpNHNUXzViNmtDd3BJYVFfUFNBazdnOE9nRmEzM0YxT0FmWjFGMFpaU05WbHlDSGlsLUpxc3A4YURCdTlVNk1ocm1ialY4RGdyOVBCcWt6ZDBYQUUzTlNLTVhCb3pfdnRoUUlNZUZBcU9ITnh1ZjlfZk9oNmVPUXVzWlRKQ0lSRDdFby14ZGdtMkhraDgzTFU1cXpLTHRlblk5b252akNScDZuSDBRT2dkS2RwZ3BROUJETFZZYk1UWFZFTmZ1?oc=5) · WNEP
- 2025-10-17 [Luzerne County Court Notes 10-17-25 - The Citizens' Voice](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTDZnUjNMTjA4by1hRXBpcjVoZTlEcXlBQTVWWkxjWHNDRUVZZThYaHYxMHVRRDhJTmp1b2NFWlh3eG9vYzlNYkdrN2ZFSFZ3aDc3d2FpZkIyeldtQVZmQnV3d0N1NHBCZ3FuQVpQZmFLQ1NjX0RHRWFKMlI5UU9LZlhJbw?oc=5) · The Citizens' Voice
- 2017-02-23 [Gloria D. Lanning's Obituary, Visitation & Funeral Information - Parsell Funeral Homes & Crematorium](https://news.google.com/rss/articles/CBMiekFVX3lxTE5XWjRNbnUybUlHR01HTVFZc3FBcTkzYVp0LUg1UzNXRnM5UTd2Z2hXWS1zdVF2MmFXeUFOZUh3ZC1wb2lQRDZwdE9SbzZ4T29BWFhNTGx5cVJzeVRQaUMzQm1OdTljcFotdGRKWF9pSWlqQXhvX2hXSUF3?oc=5) · Parsell Funeral Homes &amp; Crematorium
- 2015-12-23 [Exeter businessman pleads guilty to theft charges in Wyoming credit union scam - Times Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxPVHEzOEFhTjF3cDZ6RUYzcXBJcGdoRGR3RF80WEtCT2FXWmx5S1RoMUlCcllSSVkzLXhneXUxZFNnd2ZqeWMtM21EcTFMZTZ3ZWptT2V1ajhZaFljX1YwN3VvdGVYa0ZwblQ1M2pUdWJ4TTNSQV9GRWNZbVlPNGppb2dwdlZ2dV9UeHpHY2xsM1dCaWg0b2JYUzBGWHBOX1k2ZlRnRi0yUWxUaVZGRXRTRmxXbzdETFo3ZUE?oc=5) · Times Leader

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17323 (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/43.json (key "17323", 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=17323
- 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