# YORK EDUCATIONAL York, PA · NCUA charter 19429 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/york-educational-19429 Who the members are: federal charter, multiple common bond, organized 1969. 2,787 members of 15,575 potential (17.9% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 54. **Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $46.0M | | Members | 2,787 (3.4% YoY) | | Full-time staff | 12 | | Net worth | $4.6M | | Net worth ratio | 9.9% (p16 of band) | | ROA (annualized) | 0.43% (p43 of band) | | Total delinquency | 0.12% (p27 of band) | | Net charge-offs (annualized) | 0.64% (p79 of band) | | Loans / shares | 50% (p38 of band) | | Cash / assets | 17.6% | | Borrowings / assets | 0.00% | | Net interest margin | 3.32% (p28 of band) | | Operating expense / assets | 3.93% (p58 of band) | | Vehicles % of loans | 28% (p17 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.30% (p44 of band) | | Vehicle NCO | 0.00% (p35 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 49% | | Credit cards % of loans | 2% | | Unsecured % of loans | 10% | | Commercial % of net worth | 0% | | Core shares % of member funds | 78% | | Certificates % of member funds | 15% | | Average share balance | $7,718 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | $11,392 | | Loans outstanding per 100 members | 54% | | Loans granted per 100 members, annualized | 22% | | Average loan balance | $13,644 | | Loans granted, annualized | $11.2M | ## Participation posture (from the same filings) Bought $0 and sold $0 in the latest annualized quarter; $11,392 outstanding purchased (0.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.0% year over year. ## Flags firing in the latest filing - **delinquency rising** (`aq_dq_rising`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | thin capital, losing money | | | 2016-06 | 4 | capital below 7% | | | 2016-09 | 2 | | capital below 7% | | 2016-12 | 4 | capital below 7% | | | 2017-03 | 4 | net worth falling | losing money | | 2017-06 | 2 | members leaving | capital below 7%, net worth falling | | 2017-09 | 1 | | members leaving | | 2017-12 | 2 | members leaving | | | 2018-03 | 3 | delinquency rising | | | 2018-06 | 3 | | | | 2018-09 | 2 | | delinquency rising | | 2018-12 | 3 | delinquency rising | | | 2019-03 | 1 | | members leaving, delinquency rising | | 2019-06 | 3 | delinquency 2x band, members leaving | | | 2019-09 | 2 | | delinquency 2x band | | 2019-12 | 2 | | | | 2020-03 | 3 | delinquency rising | | | 2020-06 | 4 | net worth falling, delinquency 2x band | delinquency rising | | 2020-09 | 4 | margin squeeze, delinquency rising | net worth falling, delinquency 2x band | | 2020-12 | 3 | | delinquency rising | | 2021-03 | 6 | net worth falling, delinquency 2x band, loan book shrinking | | | 2021-06 | 4 | | members leaving, net worth falling | | 2021-09 | 5 | delinquency rising | | | 2021-12 | 5 | | | | 2022-03 | 6 | net worth falling, members leaving | margin squeeze | | 2022-06 | 4 | | loan book shrinking, members leaving | | 2022-09 | 3 | charge-offs p90 | delinquency rising, net worth falling | | 2022-12 | 1 | | delinquency 2x band, charge-offs p90 | | 2023-03 | 4 | losing money, charge-offs p90, members leaving | | | 2023-06 | 2 | | losing money, charge-offs p90 | | 2023-09 | 2 | | | | 2023-12 | 3 | assets shrinking | | | 2024-03 | 1 | | members leaving, assets shrinking | | 2024-06 | 1 | delinquency rising | thin capital | | 2024-09 | 1 | assets shrinking | delinquency rising | | 2024-12 | 0 | | assets shrinking | | 2025-03 | 1 | delinquency rising | | | 2025-06 | 0 | | delinquency rising | | 2025-09 | 1 | delinquency rising | | | 2025-12 | 1 | | | | 2026-03 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2022-03-17 [The York Chapter of Credit Unions awards two scholarships! - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxPS2dobGZPMXZQQnRBRFEwZk9kbDFUQzRRYVRyM0JWRVVlN3RDNmVPazREZWF5ZWtsc0RMYy11THdqTGc2cURfODFYd3BDRTFZcmhVdkNwZDR6QTRNZk5PejNHSGlGd19HaEZFcW5IMFZBODlpNkV5Z1FIeVByWi1Fc3NWUDRKRkZZNU1LVkhWV1BUdjg2bG9lT2FuVGViWDRzY3c?oc=5) · CUInsight - 2023-01-24 [Natalie Nardecchia Obituary - York Daily Record](https://news.google.com/rss/articles/CBMiUkFVX3lxTFBYb3ZfaDZpSHk3T0ZpREphelBfZ3UzZkxlZ3VNdXo4NTJUc01PaVpLN3dtNUNPREw5ZWowM2gzUmFjSzdYMWFiM2RIOGJfU2N6Wmc?oc=5) · York Daily Record - 2016-07-19 [Dr. William R. Eddins, Jr Obituary Jul 19, 2016 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMibkFVX3lxTE14azE4UnJJTnc5dHREX1JxUzA2MlFDSlBKY0dOcjFmN0pVQ2FxTUdVN1J5VXpYakh0d2VZWjM4YzNkTjFtenBiUWhYUDBha0N5S2x2TXhGcVN6X2JRSHd6VkQ2T0ZxTUlYbVJXZXV3?oc=5) · Heffner Crematory & Funeral Chapels - 2022-09-27 [Luz Jasmine Sanchez Obituary (2022) - York, PA - John W. Keffer Funeral Homes and Crematory, Inc. - West York - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1ha3ZvQnZ0THY3bFh1Znh0eVdCa3dRSE4tZnZMQ1c0SUpBc2I1TnJ1TTdaZVVtdEc1aGlHcTB5SGtVQ3ZHako4SnBwMXpRTFpVOVR3dlRGSzZLRDRBdTRjQ1RXcmhkSXRqaTZhdHJTeG52WjlEaExCaFk1bzMwYzA?oc=5) · legacy.com - 2017-12-15 [Ronald H. Provard Obituary Dec 15, 2017 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5relI3am9GaEE5WExodkNZMk5KaHd5cml4ZTB5OEVra09IYTVGRDRLRTZUT1NrY3loRFB6VWp4YWphaXhkUW13SnNVMi1fNXpVX2J3cFQtS0pYNS1RdW9Ed0w5U2tvdw?oc=5) · Heffner Crematory & Funeral Chapels - 2017-11-10 [Weddings, engagements, anniversaries: Who's celebrating in York County - York Daily Record](https://news.google.com/rss/articles/CBMixAFBVV95cUxNU0ZKWWlROVZraFdMVlZEVzNKY1dlUVFYYllLVXIxU0F1UGUwRTQxZHlOb3pXLUhkYnU4aUl0ZHdkYXNnUldYNHd5RG42ZzFVVUlpbDgzOG1RWjhONGNVblRZbTFaaE04bHdZdnkybmYwd2hsa2Z0MzlmRHBMR2FzMlZBVEJmNDhNVWc5b2JMSGJPQzU4RGE3VlJ2Yk1tTm5tZmtYWV8xTTlmaXFqN1gyOE4xSElTWFJmaklDcWMzR0NSdUow?oc=5) · York Daily Record - 2025-07-21 [Buffalo Wild Wings Go, Forman Mills among new retail sales, leases in central Pa. - PennLive.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOaUVrZHFLT0QxV204aW10clE0VFlsenYxWVB0UlR4TGVUbHBFLUxScHg5UEZLR3FGUEloTU1KeUoya0U3MlNhNC1BWTluNmlFRlVNTEYzQ0JhLXZFcmNGRWxvY3FHX0pjdDdfMFl3UHNyOWx3OTlDejBkOEZPekQ4azlydFJtNllBRHljd1JYdTdDZVpRNW04OHZUX2FtMk04T1o3MGlfcGYxR05fZlNiY3hwNVVFSnB5eFJZU0poU0hzZkI0T0JrQ3NrWkM?oc=5) · PennLive.com - 2007-05-20 [Virginia Ember Obituary (2007) - YORK , PA - York Daily Record - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNWlplWWp6QlVkajFPX2labVA1RVRzT3RvRTB5SGRPX1VCazNaZVh1MmgzajlNLVlVN3ZhVU9aTk1ubDYzX1d5UmpvSURrdGx4R0NrdWtfZ1lYV2ZOaHo2ZENCVVNvbC10MUhzaHBHTUNOWGdWb2N4OWh4SW8xQjlWdVZXNk5COE5KZHc?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=19429 (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 "19429", 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=19429 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide