# INSPIRE
Newtown, PA · NCUA charter 1759 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/inspire-1759

Who the members are: federal charter, community charter, organized 1936, low-income designated. 18,153 members of 2,250,000 potential (0.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $397.1M |
| Members | 18,153 (7.8% YoY) |
| Full-time staff | 44 |
| Net worth | $41.2M |
| Net worth ratio | 10.4% (p35 of band) |
| ROA (annualized) | 0.64% (p45 of band) |
| Total delinquency | 0.75% (p62 of band) |
| Net charge-offs (annualized) | -0.03% (p1 of band) |
| Loans / shares | 98% (p97 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 18.62% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 3.15% (p28 of band) |
| Vehicles % of loans | 10% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 245% (p87 of band) |
| Vehicle delinquency | 0.25% (p21 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 135% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 27% |
| Average share balance | $13,295 |
| Participations bought / yr | $4.2M |
| Participations sold / yr | $21.9M |
| Participations outstanding | $85.2M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $19,355 |
| Loans granted, annualized | $107.6M |

## Participation posture (from the same filings)

Bought $4.2M and sold $21.9M in the latest annualized quarter; $85.2M outstanding purchased (206.5% of net worth), $3.5M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 1.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | loans>95% of shares |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 5 | margin squeeze, delinquency rising | loans>95% of shares, net worth falling |
| 2017-06 | 6 | loans>95% of shares |  |
| 2017-09 | 4 |  | margin squeeze, delinquency rising |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 6 | capital below 7%, net worth falling | loans>95% of shares, delinquency rising |
| 2018-06 | 4 | loans>95% of shares | capital below 7%, net worth falling |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | net worth falling, members leaving | 3rd-party paper>100% NW |
| 2019-06 | 6 | delinquency rising |  |
| 2019-09 | 4 |  | net worth falling, delinquency rising |
| 2019-12 | 4 |  |  |
| 2020-03 | 2 |  | loans>95% of shares, members leaving |
| 2020-06 | 3 | loans>95% of shares |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 2 |  | loans>95% of shares |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | loans>95% of shares |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 4 |  | loans>95% of shares |
| 2022-09 | 4 | delinquency rising | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 6 | net worth falling, loans>95% of shares |  |
| 2023-06 | 5 |  | delinquency rising |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | delinquency rising |  |
| 2024-03 | 3 |  | thin capital, net worth falling, delinquency rising |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | delinquency rising | loans>95% of shares |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 4 | delinquency rising, loans>95% of shares |  |
| 2026-03 | 4 |  |  |

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

- 2026-04-13 [Inspire Federal Credit Union announces leadership changes - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxQaURpOGE0NWoxSWNaMEozektoNU85RHpvSWN4MjV5czVpNDFNem4xNlpDdXFmcDdoQjVUczJ3MVdwQTlDSmZ3YkVma3lmdFB3NzBOcWdEZVdMZDJQdy15NFhMbjFZdWEwLUpweTcyYm81dnRrVDNqbVFtdFh5TTVWR3JVMkZOVWktVURPOXREN3lLbjV4V3JZMjQyeUdqRlk?oc=5) · CUInsight
- 2026-02-18 [Bucks Beer Bash and Inspire Federal Credit Union Partner to Benefit Bucks County Charities - VISTA.Today](https://news.google.com/rss/articles/CBMib0FVX3lxTE1wRl90cGZZTzY1dVRIUFBpajRpYy1fLXdfc0NIZmg4VmVUVmZ6cmN6VkFNdHdkTGxBYjIzRWtIdU5lSk1LbjN3aTJ1NjBkQ1hoemlPMERqZ3JNZVluNnZwdlUwNUY2dG9ILWpiczd3Yw?oc=5) · VISTA.Today
- 2026-08-24 ['Clear The Shelters' Event At Women's Animal Center Saturday - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNcEJhQTI4cU5IN19jWmppTE9tb01yVGNJeE9VQU9Jc0JmcmpQU0ozcTZkNklZbTMyUUJjc2VZMmtpV1pUX0hNMkhEb0IzMDE1NmEtVzdHUFUtb2dIS3VIU2h2enhjTUF3dlllNExIYUJ1LXpBZnhWVUItbHRjajlEM0FqWjJwazQwRFRscEYtVU0zQ3c?oc=5) · Patch
- 2024-02-06 [Inspire Federal Credit Union Expands To Philadelphia - LevittownNow.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPX3dWRVYwZ3FrOEVLVFB0ZUNPcmtFTWR5T0VFVnE3aWpTenUzdWxqM0RVZkxfTi1pZkVkWnR0a3VoNXN2Z3JaOFR2aTUyYllHN3pWTTNkLUZLMHZTY2VYR1d1WEFCaFZNdEFqTm1WSVJJbDJOR2xQd0JUSlpCamJuZUh3NDc?oc=5) · LevittownNow.com
- 2026-07-24 [Newtown Classic Auto Show Returns This Weekend - newtownpanow.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVlhFNjNzZzBLa1lnWkFqWFhZaVo3dTdfNDc2U3NDbkF3SGZ5UnlqZ1RqcV9uNnJRVFlzUGZKQ1NaWU0xcDVSOTZsM2hjZ0VUdk5FNWU2QkpDTVVNZUg1Z0RWTTJ4dnJjanRsU2ZvVVItcUU0cXplRlBNNlZtY2c3UmkxVllmUHE2OF80?oc=5) · newtownpanow.com
- 2026-09-02 [44 Pets Adopted At Women's Animal Center Event - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVnZjMW01UzBQQll3ZXdEMkQ1YndCQ2xHbkdka2JsR3g0ODU3RG0tZ2ZZekt3bHZDVjVrMnNaaEtrd1VxNlNDbmpfYUhGbkhuWXVWSDhqLVlRMk4zOXlOazlubGkwZ1lEaml4SVFXZm1lcVdLcmZZQWEtQ0JadmwwN2R4eEpvN1hnWFHSAZ8BQVVfeXFMUC15ZEpJNmhBY25TVXljT2xzVWR1YW9jcFprelltNjBuMXJsWXdjenc3cEdQY0doNmM4Sm40Qjg1SE4wbjl2WGlSVWJ0bjl5UURrYjE5d0s1aHBTb2ZuN0pLSFhqclZyZ3Bod2F2cmRXZDBnT19PTG9jY1loUXJzMDlXUmFjY0JGWFNXLXBfMHo0T2FMYnlucGtobDNlWjNZ?oc=5) · Patch
- 2018-06-29 [Inspire FCU Opens New Branch - cutoday.info](https://news.google.com/rss/articles/CBMie0FVX3lxTFBIczdJNGtTZDdIU0pIc04xb2pBR2ItZk50SVdScGYxWW4yS1NjU1VGekNHcDJBZjJEV2pQQXVXTjctOThjYUpjME5xeWN1SDVuX19qN3FkeEJDQ1pfMW9OZFBEc0h0QkRDTXg3c3ppRThhN09mVW1iNkxtWQ?oc=5) · cutoday.info
- 2025-05-30 [Grand Opening Festival Marks Inspire Federal Credit Union’s New Branch - LevittownNow.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUHl4Y1VJcWVETVVabHQwRnh0WGJqdXVNd09Ga01LQzV6SUx1RGhqZ2lKNWpYUFlzUlB3RXlZaEIycC1MSHNXYWU5aUkzQjRJZDN1RFRCZUZTZ2x3bkwzdXljNFJwaG1TaTVTR01ZdHViZF9fZ3VnZ09GVy1icUgxb1BDRmJ4dXkxOFZYT0pzUXJCWTdxeFlHUkVnNA?oc=5) · LevittownNow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1759 (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/31.json (key "1759", 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=1759
- 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