# PITTSBURGH CENTRAL
SEWICKLEY, PA · NCUA charter 1853 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pittsburgh-central-1853

Who the members are: federal charter, community charter, organized 1936, low-income designated. 5,706 members of 1,557,749 potential (0.4% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $33.3M |
| Members | 5,706 (– YoY) |
| Full-time staff | 9 |
| Net worth | $1.6M |
| Net worth ratio | 4.8% (p1 of band) |
| ROA (annualized) | -1.33% (p6 of band) |
| Total delinquency | 3.30% (p85 of band) |
| Net charge-offs (annualized) | 1.05% (p85 of band) |
| Loans / shares | 57% (p52 of band) |
| Cash / assets | 13.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p55 of band) |
| Operating expense / assets | 4.96% (p85 of band) |
| Vehicles % of loans | 27% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.79% (p57 of band) |
| Vehicle NCO | 0.92% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 8% |
| Average share balance | $3,566 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,146 |
| Loans granted, annualized | $5.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |

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

- 2025-11-26 [Fred J. Fundy Obituary (2025) - Belle Vernon, PA - Parzynski Funeral Home & Cremations, LLC - Belle Vernon - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBpYnRqSzJJSGozNkZZYWVacWRWcmFHdWptSjZSRTNmNkZzY2piVmZoVlpNaDJXdFQtSE1rbnN4eVo1bUtIVlhZT2xBMmFlUm5FRlVDbU1oM1FvbDBBSzhZZkZ2RDQtbm9UcGtWNVQyaldHNXd4S25NVEcxczA1dw?oc=5) · legacy.com
- 2012-06-27 [Lending with grace: Breaking the cycle of payday loans - christiancentury.org](https://news.google.com/rss/articles/CBMib0FVX3lxTFBCZVFsQmJLanN0MnFPSWw1M2tDeXZLT05sU2tVcmRvWkpUQXJmMU9xSkh2U256dUFpRmg0aDd5cUFwU3dSRWlnUnRaQlBLZVE3M2c5SEhpaGY1VHpiXzBaVFlQek1qY0ZvUUN5bHl4Zw?oc=5) · christiancentury.org
- 2025-03-21 [KDKA Western PA High School Football Kickoff Classic games announced - High School Football America](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVTRWWVBydjNBTUVNbGs5d29TZWVkS0trczlRQ1dlTDRrYnBkcFBlVERZTmoxOWJ5eFFQSUFMU2hOb1NJV2lNS3BRc1Q2WGI5VUtOVk9QSlVmWGZ4ZHVEUTdBdk5zLXF1djM2dGQ2S0NJTGpPYWZZSEJBeTM5MnlpVTNFTGhIRm5OaHlud1pfd19yeVJXT3lHMVZPelFia3BFdW9ScHpCc0ZEVXc?oc=5) · High School Football America
- 2014-06-03 [Bernard Easley Obituary (2014) - Shaler Township, PA - Pittsburgh Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNcHgzRzRkZ0hhampzZGpVOTFhSFBwVjVyTmNCc1JYMFdsNnFVNFpQdFBOREtVZnF3dXNOSXhTTlIxalJXOFVNZVJ5SFBZX0lndzVUU1liZUNOdWZiSTRrbW50eW1IQlZLN1F1ejJyX3RxeGZNd0lLcUdETkVHVEQ4SFZvM0ZWc3QzRmFsZnZZMGpRY0MyaTh2QUJzZjh1N2JUTWtKd2pPNjlkdW4yRWpWRWJR?oc=5) · legacy.com
- 2023-04-22 [COLEMAN E. DONLEY - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMzdDNFoxazJNNWdabTMzVVVoS1hSaHc0ZE1URHNTZTJZZzI1YXVkNjJiVHQwM0w1T3NMcWpaVmVWcW5MSGpVcV85cjRzT3VMb1YtMllvcU9ieGRFYVBRQTFsWGVPbHpVUlVONzJ1S1NCLWZFaXE3a3ZZbWs2SXZWVW56andzNHBCWkYwV2tMNmkydw?oc=5) · legacy.com
- 2023-05-05 [ANNA V. WALESKI - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOc1lsckR6QnR3YjJ5WlNuQnJ1ZGR3bDhhWS1femRzQ3lpa3hDSW5HWUxoU0hocXdnNmdfdEZjNGxpYzNTNUZBUXdaUzVHMUl1S25mSlp4X1djc1RSR3duZFhSSUZlMUU5R2t4SlhJbjFGSldpZUUzdnJPbVhZMzN2dHp4X05mX3NCVXZzOEZlaw?oc=5) · legacy.com
- 2010-12-09 [Wayne Sherman Obituary (2010) - Pleasant Hills, PA - Daily News - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSWxvQXE2dmVKQ2VuMFFJNjZCSWkydFhwREwtX2wwdmVPdHotaUZrTWl0NG5UWGlRUUgxQnRkeTZMeE9Fc18xRFBLY1BPOUVXMUtHbmVYbFRNYkdncmVEQ3ZZdUVkNWU3eWlKNVBJckR2U1BjVHRaZXBEQWRvLVhzczRhLVFrU05uTk03cFk3QTI4T1h1OUpGLTdmVkw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1853 (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/61.json (key "1853", 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=1853
- 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