# BEAVER COUNTY TIMES
Beaver, PA · NCUA charter 17771 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/beaver-county-times-17771

Who the members are: federal charter, service (single sponsor), organized 1966. 54 members of 54 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $230,490 |
| Members | 54 (-36.5% YoY) |
| Full-time staff | 0 |
| Net worth | $39,472 |
| Net worth ratio | 17.1% (p75 of band) |
| ROA (annualized) | -225.28% (p0 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p35 of band) |
| Loans / shares | 54% (p48 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | -220.73% (p0 of band) |
| Operating expense / assets | 4.54% (p79 of band) |
| Vehicles % of loans | 84% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,690 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $5,184 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | losing money, members leaving |  |
| 2017-06 | 3 | assets shrinking | losing money, members leaving |
| 2017-09 | 5 | members leaving, loan book shrinking |  |
| 2017-12 | 6 | losing money |  |
| 2018-03 | 6 | margin squeeze | loans>95% of shares |

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

- 2026-04-15 [Judith Anne Rubino - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1saS1ZcGNwaE1FQVFJTXhRcXZhM2JLUHRWeUFJSkxvcnlobm1QcDd5djdRdVZ5MDQ1QnFsUk9HZXB4bVM0Y1lxalhENm5scWIzT21WczBVa3JBdjJMaG1z?oc=5) · Beaver County Times
- 2026-02-10 [Katherine Ciufo - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE02QUUyWnNoY1BBUFNtNVdPaFpiYTFMNnFPaEc4blY2SzZ1WXdjd19FVlROQjZZY2w2RFB5TTBXNGVNTmcxZmUzRFEzS3lHMkhIRFctaVMtZWJkRGk1MG1V?oc=5) · Beaver County Times
- 2024-11-29 [Biz in the Valley: Aura Coffee & Company offers ‘homey’ gathering space in Aliquippa - Beaver County Times](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOYmJ4ZXFmRERUX3RsejM5X2dITEI5WUY4Rl9uZGJId3NYd0xwcVFsSFI5c3VEaGdNWVllSDZCNzlSb25nbWV1ckJXU0V1a2ZsQUdwUW05T0dyenNxdFAzejluaVZmN2k3WDVHZmhUaXE1VTdJZVdzN1hRUUVnenI1dmc0V185bW9mVU9zOTE4Y29mSHZqWV9IN1FQUjRKWjQtejQ3SXZBX2dsbGVyeEdsaENmM1llaDZ2eVo0djZxMmFOSEhRT3VCSHhKM25RQXhGTmI5NEsxU2Nudw?oc=5) · Beaver County Times
- 2025-05-12 [John Morelli - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1QOXVvM0ZUUWlUOXJhczdUZ3RFOEF4MV9pUnBhOVNDZVFPTW93RGlQbEVMMzZPTXZRWUJDVVBKQWhvTngzMWlta3BVMEo5blcxUkhiSjZRY21PTlFGYThv?oc=5) · Beaver County Times
- 2023-12-29 [Richard L. "Dick" Smith - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE00SkVhVnNTNTExRE9iSEJHUzgyOGxhUDhVbTVhcUlycUZ4Z3ROUlpSUER2SGRnOFc0N2hqanptNjhwbS1JLVZZd3JXTlFKWnR1V1pmc2c0MHZZZG5MbUR3?oc=5) · Beaver County Times
- 2025-02-01 [Biagio J. Pagani - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5zN2QwVXNkUVROa3NiQUF4eDVyRktoVEowRWdRSWJoclU5cFhmX0hxYXFlMVZFcUY4TDZjMjhYM1gtcUNYR19QbkRTSXBiZ3hEMHlINlZ1LXd3T2VKdUgw?oc=5) · Beaver County Times
- 2019-06-21 [Best of the Valley - Beaver County Times](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1ZWQng3VzhvQnlaM2hpdEloS0N6OXh3YnlFOTRERFk3ZDV3TFp0cjhlaHIwdF9aSHpJcEhTcnREVGNDRnFrazFHMkVnYTF1YW5rNWtOWTV3eHhSRGZ2d0RUWHNHOEthdWNsWmY4T3BETHNVSE41TmQydzIyMElVM2NQMjJISGRmdGdUZDZBazV2VG1xVkpiNE5kemxLUQ?oc=5) · Beaver County Times
- 2022-01-08 [Paula Marie (Miskulin) Dobrosielski - Beaver County Times](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9lWjZ4ZHR4TkF1X1NYWkxnVVdtaThxM2pud0hKbUI3cDZPdXZPRHVNUnJQU0lLV1dsVVROeUxKN2ZUVUNLYzdJX01vWGVtLW5iaEJRaDBuQmxZT2M?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17771 (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 "17771", 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=17771
- 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