# SUSQUEHANNA VALLEY
Camp Hill, PA · NCUA charter 18242 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/susquehanna-valley-18242

Who the members are: federal charter, community charter, organized 1967. 5,663 members of 500,000 potential (1.1% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 84.

**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 | $86.5M |
| Members | 5,663 (-3.3% YoY) |
| Full-time staff | 13 |
| Net worth | $10.0M |
| Net worth ratio | 11.6% (p37 of band) |
| ROA (annualized) | 1.72% (p91 of band) |
| Total delinquency | 0.05% (p6 of band) |
| Net charge-offs (annualized) | 0.08% (p29 of band) |
| Loans / shares | 60% (p48 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.33% (p85 of band) |
| Operating expense / assets | 3.15% (p35 of band) |
| Vehicles % of loans | 42% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 133% (p89 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 4% |
| Average share balance | $6,862 |
| Participations bought / yr | $494,128 |
| Participations sold / yr | $632,512 |
| Participations outstanding | $3.0M |
| Loans outstanding per 100 members | 84% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,637 |
| Loans granted, annualized | $17.5M |

## Participation posture (from the same filings)

Bought $494,128 and sold $632,512 in the latest annualized quarter; $3.0M outstanding purchased (30.0% of net worth), $233,471 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 3 | net worth falling, losing money | delinquency 2x band, delinquency rising |
| 2018-06 | 2 | delinquency 2x band | net worth falling, losing money |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | 3rd-party paper>100% NW |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | assets shrinking |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising, assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | members leaving |  |
| 2024-06 | 3 |  | thin capital, delinquency rising |
| 2024-09 | 1 |  | assets shrinking, members leaving |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | delinquency rising, members leaving |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-08-25 [Camp Hill credit union board member tricked elderly woman out of retirement savings: feds - PennLive.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOU09KTzI5NW1ySHJHaUlqZXhaNGJCdUU3T3VxbWRVMDlySEluRU1vanE5dUk1bWdPZFlFRTZrSHNOTGcxSFJWQzRmQndOcF9GS2E3VEIxamdNLWV0VUJHQjljLWVyMFJvMnVzWXlRSGIybVJIQ3hWVjE0QnFMWDhvZnlBY2ptRmRYdVFSVzZ1TjJzTFVRS3NlMmRpMW9uZl9BSmVkOWRwdXN2X1Q2UEhhUmtORUptZ1kzME1EX2FXbEdFODlPVUoyOGJ4YXM?oc=5) · PennLive.com
- 2026-08-31 [Pennsylvania credit union board member accused of using elderly woman's $1M on Kentucky hunting lodge - Yahoo](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTjNSU0kycDQwMUhXWWZ0RVZsZjhULVJnVm5icnlmYVFJSHluUXVZeTM4VU1wWWZ0eDdEbWxMNnQ1QUtCU1BfRWV0MUp2R1RrcEFVVmpDVnJNVTUzdjdTZVhURFpYOG8xQUx6QVdiYzRrQTVZZkplZmIxRUFPMWN4d2ZPTWRObzVkalBiMzJTWG5FUlpoRnVN?oc=5) · Yahoo
- 2026-04-16 [Susquehanna Valley United Way opens Wee Read children’s book drive - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQUJoYTd6ZGJnWWtNRTJ4QjBYdW1fV2RrSmpWYk5Zbk5EYnVXVktGY1JWSmR5WEdkcUI5b1ZGNnQ4NURDY1JPWlEyVmM5OFJXWmJnMDNwRG50cHFuRWxrSTQxNmhjSlZQLU0xMENaQXZrRWpBTy1wNmJicGJBejFhV1kxMzBKdFFnbUJEYktReE01UFFvWEVzVWY4dzhvWXUwWDhvdlpLNGZ6UVpDdm9Zcm1KTGNvV29yeVpRNFRwMWFNUnRwUm9pNy0tWVJGS0ZiZW5LLTBsc2ZaV2ZEek5pdVhSMEZBUnM?oc=5) · NorthcentralPA.com
- 2025-10-06 [Susquehanna Valley United Way holds annual Diaper Dash to help families in need - WNEP](https://news.google.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?oc=5) · WNEP
- 2026-01-13 [Members 1st Federal Credit Union celebrates grand opening - Central Penn Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTklWN3F6QUhMRDZHYUhsX1pLbUFQVzY0S192UXo3QWVaTmRzQ0tDN0VZa2Y2US1jS1BsYWFSQl9wLXYzYm43NFM5alZzbVpieFBmalZaQVAtbG1OczRabHB3MTRETHRwQ0tTUXNXdjl4OFl2elRhSXR5VzVXa3Z2UFcyODJsdw?oc=5) · Central Penn Business Journal
- 2022-02-16 [Three Credit Unions Name New CEOs - cutoday.info](https://news.google.com/rss/articles/CBMie0FVX3lxTE9FNWtrT2tlWGMxV1JRQ2w1Y3pPT3JQSFhCYjBHWVlUZ2E0T0FqOXJRZDVVbnlENXhWbjE3SXJQVzd0VzVqWXo4eEYyakhlRWdjbHlsRk1nNTVpM21hWlUwdVBsMXpEVm40Ml9jb2c0cDVUU05sQy11QVB4cw?oc=5) · cutoday.info
- 2025-01-02 [Virginia Lee Emery Obituary Jan 2, 2025 - Parthemore Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBVb243V0xQV2xreUJLUWY3ZXdvd1I4dVNkRThGMk0wS2NVQWJTb0MwaGVZX1BxQUgxcVFvUmxPUEluc3FzVHNKbWdGQnc0d3NFMVJOVm9wZ0pJVkk5NkZhRWNn?oc=5) · Parthemore Funeral Home & Cremation Services
- 2025-11-27 [Susquehanna Valley United Way reports record-breaking Diaper Dash results - NorthcentralPA.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxOb296d01zOWRxV0V5TjdNaGdLd1l2YzFJNFp3c0gzM3V6TW8xOF8yZ1kybnl4NTlOYW4yYXkwVVQwYVZuaFJXY2VUTjBGZWM3ZTdJV0NweDlUb181TGJTeXJxTFEyUVZlR3BzQkh4Y1ZZRUNFQmo1ZlVmc1ZjRUlZWkY1LUdWQkNNZmt3TXhuSnRVQTBDV2d1UlE5MHhsVXZrb3lQWWhhQ2YyUHlvcmdkSjJrbHJpV1hidVJ5Nm1iRmpGV2pKM1JCNGNPQnR3aTVwYW5JQ3hSX2RoQ2xDNV9IZ2R0a2tmdlFUdlI5M1EtNmxsa0k5Mkk0MlRsOGczOFJWTUI4TjVn?oc=5) · NorthcentralPA.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18242 (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/2.json (key "18242", 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=18242
- 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