# NEWELL
Newell, PA · NCUA charter 19045 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/newell-19045

Who the members are: federal charter, multiple common bond, organized 1968, low-income designated. 904 members of 22,558 potential (4.0% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.8M |
| Members | 904 (-1.6% YoY) |
| Full-time staff | 2 |
| Net worth | $607,170 |
| Net worth ratio | 10.6% (p20 of band) |
| ROA (annualized) | -0.16% (p20 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 60% (p53 of band) |
| Cash / assets | 44.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p52 of band) |
| Operating expense / assets | 4.73% (p74 of band) |
| Vehicles % of loans | 89% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 3% |
| Average share balance | $3,586 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,550 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 2 | members leaving | losing money, repo signal |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 4 | net worth falling | charge-offs p90 |
| 2018-09 | 2 |  | delinquency rising, net worth falling |
| 2018-12 | 2 | margin squeeze | members leaving |
| 2019-03 | 2 | members leaving | margin squeeze |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | delinquency rising | assets shrinking |
| 2020-09 | 2 | loan book shrinking | members leaving, delinquency rising |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 4 | net worth falling, losing money | loan book shrinking |
| 2021-06 | 5 | thin capital |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | delinquency rising, members leaving | margin squeeze, net worth falling |
| 2022-03 | 5 | delinquency 2x band | members leaving |
| 2022-06 | 5 | assets shrinking | delinquency 2x band |
| 2022-09 | 6 | members leaving |  |
| 2022-12 | 5 | net worth falling, charge-offs p90 | delinquency rising, assets shrinking, members leaving |
| 2023-03 | 5 | members leaving | charge-offs p90 |
| 2023-06 | 4 |  | net worth falling |
| 2023-09 | 3 |  | losing money |
| 2023-12 | 6 | losing money, delinquency rising, assets shrinking |  |
| 2024-03 | 4 |  | members leaving, delinquency rising |
| 2024-06 | 6 | net worth falling, delinquency rising |  |
| 2024-09 | 4 |  | losing money, net worth falling |
| 2024-12 | 2 |  | thin capital, delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | assets shrinking, delinquency rising |
| 2025-12 | 3 | assets shrinking, members leaving |  |
| 2026-03 | 3 | losing money | members leaving |

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

- 2026-01-08 [Vicki Jo (Newell) Mardis Obituary (2026) - New Cumberland, PA - Parthemore Funeral Home & Cremation Services Inc - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOd3FpLUxxTU9obDdDTlpWWTJNa2NkbnVVWGtCNmV0OU91elY5S05nRDhwUk1Oai1UN05VMHl3UjNUTS1heTFMUlg2VkRWXzZOb2k2Y08zM29UdEZkaTNBMng3bXZUVXpJSFdMTFA2eEVNaFFZVkpyUlJGcUF3eV95LQ?oc=5) · Legacy obituary
- 2026-05-19 [Ronald Schielke Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQ3pYWEJOeThwRmlWTVJpMERuaV9XVzVERnVNbTV0cEJnTDVqaF9QQnVvVDBZbFlBRDMwVWx2NjFYSjJsTXFQTnJDNDVhT2tiYkhVRUVLVXpGS0FGTWF0RlROS1lSN2VVcDNYUlVaSkY5bERJdFN1bHZvZ3hEaERKZHZZMHU?oc=5) · Dignity Memorial
- 2022-12-20 [Romualdo "Romeo" Gino Gallo Obituary - Visitation & Funeral Information - Shikany's Bonita Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE5YNm5XV1lsYnJTMDNOX2VsOVd3a1JxS2JEa0tHRkt1Z0h6WTlEWGNPTUoySGRHeGdlZVRSRmlrcjJxTFVQOVJvVF9OcTlQNTVSQnVLclN0Z2pTaVpjblEwOHR3YldSSWIxWWQzb0ZFNk5ZNEZYNERQTw?oc=5) · Shikany's Bonita Funeral Home
- 2016-01-10 [Newell: A peaceful place that folks call home - Herald-Standard](https://news.google.com/rss/articles/CBMipgFBVV95cUxNeDV1aW5xRWg4ZEVNcTZzU2d0S2ZQNDZBS2tBX05uRWdDR2ZIR2NZVndyS1Z0T01VYzJSR0czQ3NkdlpoOHJsMXVfT3FaMjd0NHJuUWozWF8wN3NHS0stQTFfTUxOcGNLN3N0TDFiVzZIMmdoVEQxRHFFS0NHWHZtaTdEWVRVbWt2WkdBVno2eXdOSk5sRnByQi1NZEt3RjBqWnJ5Tkh3?oc=5) · Herald-Standard
- 2016-07-26 [Erma Ruth Tilghman Obituary Jul 26, 2016 - Williams Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5LZ3Zwd3RkM3l0ZW1aUUpTLW5ReHItazNiYlRJaXdqMV9kOExyRkdfY0p1ek15YnluNDlvT0o4OGVqTDZ0bTRiMlAtSk5TSHUweDJNZ0gySE1OVzNETmVqVw?oc=5) · Williams Funeral Home &amp; Crematory
- 2023-08-24 [Abondolo & Newell: Stop Kroger-Albertsons merger to curb prices and protect essential workers - Long Island Business News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQeW42WERxMlMxYV9mN3dleDFONlQ1SHR1R3AzOXZIYzFpVlhBZHZ5Q0VMblFWQVBjenZBcVlqNWJtcVFYS2dWbjh5V0NOQ2t4YkowUFlhQklHYUhpaXJHZE9OcTdkS1ZzcUNzdktKQzYtbXJOX3pfSDdhVHJPUkdxQ3dsdDJvcGNOWE9CeVY3aHU1MldwT280STVwdktrSFhpOVZaZ05rUVJhdXA1aTJEdzk4N0t2b0w1bGJZ?oc=5) · Long Island Business News
- 2013-09-15 [Family Reeling after Crash Kills 1, Injures 4 - WNEP](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOd05fcFNjazZlT3NiNkRXcGc1bjRLQS1oWmRjY0xfZjBTZG5LTDFLN2RGUEEzMnM4cXhxaTNZeDM5alV0WGhpOU51enhQWEVVSVlIUkpPOXh0U2dkRVFmcUc1NUEweXNISU1ONHp5RVRjME9pVUc2anV6QmhtdThzbW1qU0FMX21LUFl2R3hoaTN1UVB0MDNLTGVTelo0d3RTQU9LODFIdHNyNEJqZkkwMy1HRGtxSlpTdFB3ZUxKVUhTYWNTa05PTF9nNi1iRnMwOVBiek13SFU?oc=5) · WNEP
- 2017-01-28 [It’s Your Business: January 29, 2017 update - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbF9hVS1ab0dmZVpyN2pLeUJ4bWd4QU9IdTZmQzI1cjBLckZvUXA3bFhhRFd2VlN3VXdJWWhYTkxNZC10dkt0NG5qRzJRemJtdi1QVFh5YnNtcTI1T2JtYVFLcEZ4VkRXazlrZkRGam1ra2w2aG1aUS1yNnd4RTMwRTk3d0lTTzMwaU1mdzJ6bXhkZmVzRzRWS2lCYm5mUnc2VlNTbEI4OF9LYmM?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19045 (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/37.json (key "19045", 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=19045
- 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