# LEBANON
LEBANON, PA · NCUA charter 19510 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lebanon-19510

Who the members are: federal charter, community charter, organized 1969, low-income designated. 36,292 members of 143,257 potential (25.3% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $538.0M |
| Members | 36,292 (3.2% YoY) |
| Full-time staff | 84 |
| Net worth | $51.8M |
| Net worth ratio | 9.6% (p35 of band) |
| ROA (annualized) | 1.70% (p96 of band) |
| Total delinquency | 0.64% (p56 of band) |
| Net charge-offs (annualized) | 0.54% (p62 of band) |
| Loans / shares | 85% (p63 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.66% (p98 of band) |
| Operating expense / assets | 3.26% (p33 of band) |
| Vehicles % of loans | 27% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 163% (p66 of band) |
| Vehicle delinquency | 0.88% (p70 of band) |
| Vehicle NCO | 1.67% (p77 of band) |
| Repossessed % of vehicle book | 0.06% (p54 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 119% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 35% |
| Average share balance | $6,374 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.2M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $24,530 |
| Loans granted, annualized | $170.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.2M outstanding purchased (27.4% of net worth), $693,697 sold and retained. Sold in 3 and bought in 6 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 3rd-party paper>100% NW |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 3 | net worth falling, delinquency rising |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | delinquency 2x band |  |
| 2022-03 | 2 |  | delinquency 2x band |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | thin capital, net worth falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | delinquency rising | thin capital, net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-30 [Lebanon FCU Promotes Matt Gehman To CEO - cutoday.info](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPanJuLWJsMTE5TXlhWmUtY0hNS0tabWpZV0I0TkNETm1rSV91QVdLS19Tai0wTHBFb0pwd2xyMzFfejZwcE1fTllDTkxhQzFTbWFTQWNqVkJMZS16SnctUXNJRDRLcnpPOWIxRkQzR1V4VkZZX19BWk50OXRYRWNpRWJXMlloZVNI?oc=5) · cutoday.info
- 2026-05-26 [Woman loses nearly $10K after giving envelope of money to Uber driver in Lebanon County - local21news.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQY3BMam10U3pBeVdIcURJWEhGeldQX0RieEdadEJzUFhhOWNIQ0g3OVQ1dy1QN2dERzNmS2xCMlRfNkVTcGtPcnNSbkc1V0VGVndyLVdaNUl1YTk1N21sTWdrZEJPMklKX0tmVnVfTElZSnA0REFkbjEzcUdoNjRCS1ZHU1BUMm5RM1RmWFlSUEIxYXVvTm9xRGpBbFBKX0xVWWs3NmRHUFBJdVBwYTNvTFBCWGhxZjNyeXBaRTRR?oc=5) · local21news.com
- 2026-06-29 [Lebanon officials announce street closures, parking regulations ahead of whistle-stop visit from Big Boy 4014 on July 7 - fox43.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQb2ZjLW11ZF90eGVyU2UyalRJdGZ5MWlkbHZpLWpReV9nRXhOSVZiWVc2SnpDS2pXaHNJNnllMDlWbW1TZ0w4QnZfeFNyRXl3Y2ZDajBCRGRmR05hMEU5UUlSYlFNUU05M2MxN1ZLbHFQci1WbWtoR25WMzdYQ2lEeEk4cmQtZS1ockRGZVlsUDNwRFpNcmdJT1ZGT08yQ21qSmQzTHdJQUotX3JNOEVFSXJKWmVUY19OakR3cGh2eThTRmRONlc0NTNlR3NsbExDb1ZBeFBLVTJ6RmRvOEoxVk5tZ3lwUGZ5NGxiRmNGdWpNbmM?oc=5) · fox43.com
- 2026-04-28 [Mary C Kuhlman Obituary - DeBaun Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE5Jb0FaQ0RWWW83UmNsdzIyRUxPYkVhMzJ1Q1lOTmZadUJrLTdLM3FOUXpTTVZkY2NFYnRueTdHdnJkX0JFVVd5QUFOQTNhRVQ2djUyaVgwM2VaU2w4MzZqTTdOaXB3YTFONWc?oc=5) · DeBaun Funeral Homes and Crematory
- 2022-06-01 [Lebanon Federal Credit Union announces new President/CEO [Paid Press Release] - LebTown](https://news.google.com/rss/articles/CBMijgFBVV95cUxNcjNGVkxnaUgyWFBjQll5a0diZ1JuR1hjc1BKLWRQcGRwNUFsVWwzLTZYbFJtbmJVYVNLUGF5MVR1anVLRGxDNzZNaXJhbUY2MlF5MTVMcmszYnFmaXpZd0FJNEJUQ0lPV3BqaUpaQVFndDZEekgwWjAwNzFlUmptTzYtaGZUMUZSa1l1aVBR?oc=5) · LebTown
- 2025-08-15 [Daniel Wolford - Central Penn Business Journal](https://news.google.com/rss/articles/CBMiTEFVX3lxTE5XVGI5aFRLbnl0TjhNMWtzZTRLV2ZEbXVqQndERDFuY1hFSkZ0bkwwcEFkc0l1cF9BMy1fRXJiR3Atbl9WYTVFblVOMjE?oc=5) · Central Penn Business Journal
- 2025-12-01 [Man allegedly used stolen identity in bank fraud - fox43.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQejBDT3VMSEpTRUlqMF8taS0xekc4ZFJIX0ExMEVYNkE0ZXcybDNoRWdZdWZTaW1sMndDZG0xM19VYmRBcWg5eTFtVERCS0ktekEtS0M3V2ZHakhybTVMUGc5NnVfOFBsdkhud3ljb3pvV21iWTYtSEM1SWlhMTN1cU5relR0UTNtZjhta0xET3czZ2F2eGtkY0RJUE5IdFdyRm9SZ3hfN3FNUThGSC1zOHV5cFFqUDJ6cmIzVkVFLVRidUVqcGNKdmQxcE1GYnJVRS1BYlRyd0Zuc3lyTU9fUjJDbEE4TDNKNTJr?oc=5) · fox43.com
- 2025-12-15 [Police charge caretaker with stealing N. Lebanon woman's funds - Lebanon Daily News](https://news.google.com/rss/articles/CBMixwFBVV95cUxPVzNaVmVzSW41aTU2TGZwbUpXX0JndldIaTdDbzFldVZOUkp0dk1wWlVYNlZKc2szaEc0QmlvMjI2MVZWTGk3bnlWbWFVV0RaSlIwRjJDVDFKTkFkZXN4WU5QX3lTV3RHSkVwXzRWNElyY21Ca0RpbFNPTnoyLVY0bUhiVnJaSk94WXVXYTNxWHY3R004UHB2MWtMdElQcUEtcXJFV0RIQTRCekdRZi0waVY0Y0ZaeUJlUjQ0SkJJVUlEVGV5NVFv?oc=5) · Lebanon Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19510 (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/54.json (key "19510", 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=19510
- 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