# W.O.D.
forty fort, PA · NCUA charter 17460 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/w-o-d-17460

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 537 members of 1,500 potential (35.8% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.5M |
| Members | 537 (-13.7% YoY) |
| Full-time staff | 1 |
| Net worth | $225,279 |
| Net worth ratio | 8.9% (p14 of band) |
| ROA (annualized) | -0.18% (p14 of band) |
| Total delinquency | 1.63% (p70 of band) |
| Net charge-offs (annualized) | 0.88% (p80 of band) |
| Loans / shares | 61% (p51 of band) |
| Cash / assets | 17.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p78 of band) |
| Operating expense / assets | 4.10% (p67 of band) |
| Vehicles % of loans | 59% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.47% (p71 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,129 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $5,330 |
| Loans granted, annualized | $863,444 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | capital below 7% |  |
| 2017-06 | 6 | net worth falling, members leaving |  |
| 2017-09 | 7 | delinquency rising |  |
| 2017-12 | 4 |  | losing money, members leaving, delinquency rising |
| 2018-03 | 6 | losing money, charge-offs p90 |  |
| 2018-06 | 5 | assets shrinking, members leaving | capital below 7%, net worth falling |
| 2018-09 | 4 |  | charge-offs p90 |
| 2018-12 | 5 | delinquency rising |  |

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

- 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
- 2025-11-15 [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
- 2026-03-17 [Swoyersville woman sentenced for theft from credit union - Times Leader](https://news.google.com/rss/articles/CBMingFBVV95cUxOUHg3bXQxZ3FvT1hOU3pwOFp1SlM2V1N6UG9ITTBkdGFJSXdIZGZtcE9Bb0FyVTJwSEVnYlJWamtVdlpTemsySk82UTFiMl91Rl9sYkJwNzJORElCdzRxSmMzQ3g4dzJ5VWxzS0dWSGp6S2VkTkM0SzdDaUtyb3FLbzdneWFJNWVKYWFNdHdJT3NnQTZ1QXloMTZCMG1MZw?oc=5) · Times Leader
- 2026-03-18 [Swoyersville woman gets prison for robbery ruse - The Citizens' Voice](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcWNFTS1JUWlyMWlfMVR3SFlncFBDQ05LSzBkQTRjNm5BSTBEaXZWOFhsbTJhSWtoMWhSa2hvc0ljOWxidWZpNjh0YW1LTThJRjlzT3ZnOW5aYlJhQTlwRElYWmNwb2dDZnFXWnVUYlBqQWdqSE1UNkhUX2ZfWTRYTXBiWW1XdTZ3blhER2lVQlZDVkE?oc=5) · The Citizens' Voice
- 2026-03-17 [Former employee sentenced for stealing cash from defunct credit union - 28/22 News](https://news.google.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?oc=5) · 28/22 News
- 2021-10-07 [John Humble Obituary (2014) - Plains Township, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbzJmaml3WmY1bFhfbFNlUW9CajJSaVAyVWRENE5aSGRhQ3pJam5RQm5mVmRsM1c5UGFqZGJ5cFV5bFVGaENCcEtFQ04xU0pIQ2o5RlBlcEx2eF9EdUp4LTFneW5VMzJTNEd4blNRRzhGd0JWRm5VOFlMLW9DeWVrNzUzeFA4VlE0S0FJclI0Zw?oc=5) · legacy.com
- 2022-03-20 [Colin MacLean Obituary (2018) - Kingston, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZXRPTjBDcC1yOEJtRjhBTEIzbUI1aUE4LWFYNmRzd3hhUG05clppZVRtcE8zRGlLbEktN1piMzFocW1jUC1mdlBNYzdLTXpnSmh1MlB6OXN3WGNUNUpWVDBIcEhWZko2UXhGWC00cVY0T2NHT21UaXlrMTA5RTJJbXAtSHhyMU95MDMwd3RlU1c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17460 (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/52.json (key "17460", 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=17460
- 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