# STATE COLLEGE
STATE COLLEGE, PA · NCUA charter 19483 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/state-college-19483

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 1,884 members of 5,900 potential (31.9% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. 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 | $21.4M |
| Members | 1,884 (4.2% YoY) |
| Full-time staff | 4 |
| Net worth | $2.0M |
| Net worth ratio | 9.2% (p21 of band) |
| ROA (annualized) | 0.83% (p81 of band) |
| Total delinquency | 0.03% (p18 of band) |
| Net charge-offs (annualized) | 0.06% (p38 of band) |
| Loans / shares | 54% (p50 of band) |
| Cash / assets | 21.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p34 of band) |
| Operating expense / assets | 2.27% (p22 of band) |
| Vehicles % of loans | 36% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.07% (p36 of band) |
| Vehicle NCO | 0.12% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 2% |
| Average share balance | $7,830 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,713 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 0 |  | thin capital |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |

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

- 2026-06-02 [Dorothy E. Winfree Obituary (2026) - Mt. Union, PA - Heath-Anderson Funeral Home & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVkpNeENRSHBrajR3TDMzXzFWODdnUEdhMnZxVWRmcmloV2JEclBHajBfZEkzZi1rMDBsUVN6S0l4bHRPTVlUMXlkXzJvZFdTdThXZUpCbjA3YW5JVVlVclJpcTY3MG02SXJybkgyYVF2cmR6bWpkemNnaDUwb0xING5GSGU?oc=5) · legacy.com
- 2023-07-10 [Arize Federal Credit Union to Build New Location in College Township - StateCollege.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOaDIwZ0RQa3ZnVFNJN0NNWk5nSnk4LVYwSGIwemd1LWdlMGVEN0RCMFNaZXoyUEVYRmZxNEstMEFUUDBBTzM0czdHVEpkMzY2dXlIRUFNeTJNTUZ5bVZ1ZXBQd1hzTUs4cUl6Ti01RExZZkstR0xtSEdXdXFCYnJzYXV5SzJqUUZqeF9xZnh4ZVpqNFMzY1BqY0pFS3NwTHk4MW5JakVFa0VNeEozWHdDMUczTE56ZWM?oc=5) · StateCollege.com
- 2023-08-30 [Pa. colleges make millions from alumni credit card deals - WHYY](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaV9ZeVNYckZVOWRhOWpDLU1tTnhhdHB4YXZGM3BaM3RRZWlYbVIybGViLTYtSFh1WWhIT1VJQUM1WFJPQVZNMGRZUnh3WGtlX2tQd3A1SjVsTlVPVVhGaDI0ZWJGUjdEdFhjUEdUU0VERkJ5ZVBWSGlnU2dleXZNeTlweWJvX3VrWlNWNlFOcWZBT1JtSFNUTQ?oc=5) · WHYY
- 2017-08-11 [PSECU ELEVATES PARTNERSHIP WITH PENN STATE ATHLETICS TO KEYSTONE LEVEL - Learfield](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRExHbGhscFNmOS1LeTFpNDZ3VUlrRmlwUjZMYzhkWUFya3FxM1ozbXpZOVd0T2pLRW1PN0NVZlhMX1A0V3VsZ0RVRVBFN1VLRWhhZURYQXBYR0lZOFo5dHlRWXJYSzc5ZVlRMW9ueFpkRlQ5b2VIMnhtbVU3Rk1FQXcwQVlfd2pudWxUYk5UUnVXTjVXdDFfV1R3cE1tQkhxcFc1cXl5cHA?oc=5) · Learfield
- 2021-11-03 [Horizon Federal Credit Union continues to grow - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcVRETlZ1T2xlbnhrVEVhVUF3b2VySmVzSm10ZG1zYlpwd3l2NGxlSkZQRm9OdzFyV3k5blhlUFNwb3NtY1EtdGh2NF83VUdBM29CYldEalJCQW9tYXk4RzRjcFdPd0xFRHhLTEZ6R09nNTFaU2N0NVFLVDZtN2ZFeFlENHZpTjg0VVpkei1adEFOV19EbXRNd1FIM0h5QkI0OHpJd2hCeldKemR4NmN3?oc=5) · Williamsport Sun-Gazette
- 2025-04-21 [Meeting Members Where They Shop: PSECU Rolls Out Retail-Based ATM Initiative - CUTimes](https://news.google.com/rss/articles/CBMisAFBVV95cUxPVnB3Z01GWThVZDJ1Nzh6Q2JrNFZ2NmhfZDNuX3VJdzZqcC1yZklaVDVma2JqLU14Qzd5Y1FTQnluRzdJMkRzc24wUW1Db1c0WVVYdnJacU85aGd2aEktTk1zUmt0MDA4X3pNbldibW1XVU5uSFo1Y09UV2UwVkREQnpjSmVCbjZFd0Z4eU80UjV4aUlQQ0V6WjMyVWtUTUFOeW5LZktQLW9KYmZ3NXkxTw?oc=5) · CUTimes
- 2022-07-07 [What’s new in 2022? Here are some firsts as Arts Fest returns to downtown State College - Centre Daily Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTWZESjhTSjViYTYzcHQ1cHB4em8xVWVOQVZlelptMmdTbkxzdm9lSFlxVXg1T19uVG1xNER0Sm56SWRIUUk3a3FJNmlsUElaY09DaHRmVjZxa3dHbjdmR0FVWHk4bDZrMmttODdveHEyVHViUWdNelpoeGRkTkptRVhFU2RzdnNQQTN1R9IBjAFBVV95cUxNN0ZiUFpBVkxyclA4OURnYU0yUGpzYnduZW1MX0RUUGU2Mzl3TWtYbEZ2SmZkUE9fTTJzYmdSVkhKZTN0RlM3VVgzN0NMZUozMVFTelN3b0JiY2dxSTF2ZXJmN1Zhb1pJN1M3VXI5Wk9KLXJHMGNJS2lLWW83ZEN6ZElhcmdsWFBINzlDbw?oc=5) · Centre Daily Times
- 2022-09-30 [PSECU Welcomes Colleen A. Williams as Business Development Manager - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMirgFBVV95cUxNUXhHZURSMW0yMXZ3RDF3X0NEbTRBTTRxaWZwa3Nsakh6c3NtLUJPaFBkMmV6M3dVSmNSalZkYVdkd0hEQkluNENzM2ROdmVYNThWMTV0NXlBMnlqWjZHaURPUnV3MmYxZDVERllqeWFnRWtOZUJiaWZlR2E5Q2N4ZV9YMVNwZ0tPSHdsTVVUaU5xZXlvYjhlTTlpZlpvUzF6bk0weDZPcjlRRVRXenc?oc=5) · Pennsylvania Business Central

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19483 (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/27.json (key "19483", 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=19483
- 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