# TITAN
Pleasant Gap, PA · NCUA charter 1882 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/titan-1882

Who the members are: federal charter, community charter, organized 1937. 4,510 members of 198,487 potential (2.3% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $68.9M |
| Members | 4,510 (-0.3% YoY) |
| Full-time staff | 5 |
| Net worth | $10.5M |
| Net worth ratio | 15.2% (p71 of band) |
| ROA (annualized) | 1.53% (p87 of band) |
| Total delinquency | 0.07% (p9 of band) |
| Net charge-offs (annualized) | -0.02% (p10 of band) |
| Loans / shares | 54% (p39 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.81% (p11 of band) |
| Operating expense / assets | 1.47% (p2 of band) |
| Vehicles % of loans | 38% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.06% (p14 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 18% |
| Average share balance | $8,787 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $399,641 |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,467 |
| Loans granted, annualized | $10.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $399,641 outstanding purchased (3.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | delinquency rising | assets shrinking |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-10-03 [Titan of Two Mile: Respected Park Director Luke Kauffman has died at 46 - thederrick.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQbGZaVTdyLUdwT21VRlZwT2l1a3pLSXY2aXlsTnd2VllEWnpYd09NRnZXbEtrSzM5V1lqOTZEbW0xcnNfdUxsOG9iaVVkeEFUSUhnYkd5T1VlbTZyRU5lbXVYN3RhbU1LMTFmT3dsNC0yNGE5M25FUXllZXVtQVFlVWdJX3VpSFB2SjhJZnpJOVhkeHg5MkF0cS1QTk9yeUFORVAxVDdydlFaTDhNV1hwaUp5TVNTcTl0VlQ4Mms0T0hVS3BPSEJpUXVFcF9OTVZvbnBDc19QeG1qTzVwTE1oS1pQbDJ5THc?oc=5) · thederrick.com
- 2017-11-06 [Clearview Student-Athlete of the Week: East Allegheny's Kyle Whipple - WTAE](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUExVclNEbUpmU1lzZjZzY21IdlgxY1hreVFTaHh1V21DMG1RWkdaSEpDcW5aVzdGTnhBMklNRW4zVjQ4cHl0ZnhGM3dTQnlXaE9PSXdRTmRxWHB0NG5uVWEydmE0b25NUF9yYnRrWGh1Tlc2dk1Id3RMNE5UVzBzRDJzNkZaREJ3TnA5cnpNVU5qYktybGpsb3dTR0didDd0U1ZlT1VR?oc=5) · WTAE
- 2008-09-09 [Bucknell's Caitlin Cavanaugh Named Patriot League Female Cross Country Rookie of the Week - Patriot League](https://news.google.com/rss/articles/CBMizwFBVV95cUxPWlJ2Vms2eGI5RXFHX3JMbW8yaWR4ZEdpZy1WWDdSdnpLblpSUnBjN0VLQ2FfeWlUalJXYmd0OG9NVGRlMk96a3AwY1otZi1hbkhhZklIVUtianNJUGNEd1hodERIVTkyNzBraW13dzJqdFh6NGJKNEdxWS11cFVMWEs4azJLOHZjajJzQ2VOLTU4MmdLbGNzSVJRV1lvdGZaWko1aW1oRFczamxaUkNXZ1FON01qQVU1VGgtTjBaM0xUOU1TUTRZVDJOUWN3SDQ?oc=5) · Patriot League
- 2025-04-24 [Heritage (HRGG) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1vQmhmZEczcjBqbzRRYnV0R2xWQ1F2TndlZ2l1WHVUTU9pOW45UHF5aUc5Si1iYWQxaHV3djlqUngycnJaM0hOSk9FbU5xTFBPMmdv?oc=5) · stocktitan.net
- 2025-06-16 [Warrington’s Windtree Therapeutics Acquires Waste Management Company - VISTA.Today](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yLWViNUZxQ2lXRXVpNEFJWmVWbW1MUEJvcndMX3RQcXlsOTdXc2xfQ0xmZGlteWRLVEFLUzRXU2ZHcXFsNE10cXJvbGVKWk9SZ2k1a2NLMEFqU3cxR0o3QmdONlIxbWptbjA3YjUyd3RGamMtQVA5cmt3RjdfeG8?oc=5) · VISTA.Today
- 2011-02-15 [Elmer David Marocco - Beaver County Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPc2hlZ29lZDVqd2NQNUQ5azNZQjMyYXVCX3RVMF9CX2ZDR3Z0Q2NIRlc3NG95amVlVHAxMlQ5VzJPVjRwRExnZ190NHFQSGJFU3Jnb0R0MnFpLTV4SGxrTDdkQWVyRTJqZFZOUE9wM1hxWFBHWVZ2cHgtdDVNNmJkYUhPUDM3a09QR0E?oc=5) · Beaver County Times
- 2017-11-06 [Clearview Student-Athlete of the Week: Jeannette's Ciara Gregory - WTAE](https://news.google.com/rss/articles/CBMioAFBVV95cUxOaUZOSWoyX3prQndabDkxaDlFeXduVW1SV1NkT0N4RFNmOHUtLVU1eWxIRVVfdDg1bGFwc3FVNHc2cFYtY2ZfYXJrd0JSSXh6SXlhdUk4NzhBUFlWSW5LQTN3eDhzYkRxVnRCV205OWtOLVRqYms3WkRWeGFnemNCZlpaazc4Y3hjdmhSZXBra1ZseGJFVHNVY1lFMHZOd21R?oc=5) · WTAE
- 2017-11-10 [Clearview Student-Athlete of the Week: New Castle's Shawn Anderson - WTAE](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZVpNOE9MUE1seUxjVUVMX0xRZ3FtSVJPRm5CMnYyclFDQmRsdm5xZEI4UFJfSWNxUXcwaTdqT2JaZFk2d2VMV3poMWRFS2dDYURZV0pKQ2hUR3YtUzgxYk5PVW9nS1F2TmJGcWp1a3Bxb0JNX2xvcEVvM0xqa1RVc3JGbjhvZTVvQmJuTE1xQVotNF8yckhRSjg4b3R5MVU1RllZ?oc=5) · WTAE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1882 (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/26.json (key "1882", 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=1882
- 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