# PRIORITY FIRST
DU BOIS, PA · NCUA charter 19655 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/priority-first-19655

Who the members are: federal charter, community charter, organized 1969, low-income designated. 16,889 members of 868,999 potential (1.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $179.4M |
| Members | 16,889 (2.7% YoY) |
| Full-time staff | 40 |
| Net worth | $22.0M |
| Net worth ratio | 12.3% (p57 of band) |
| ROA (annualized) | 1.52% (p87 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.22% (p37 of band) |
| Loans / shares | 76% (p63 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p54 of band) |
| Operating expense / assets | 2.87% (p23 of band) |
| Vehicles % of loans | 58% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 147% (p78 of band) |
| Vehicle delinquency | 0.56% (p50 of band) |
| Vehicle NCO | 0.08% (p20 of band) |
| Repossessed % of vehicle book | 0.01% (p66 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 25% |
| Average share balance | $5,293 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $15,258 |
| Loans granted, annualized | $95.0M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | thin capital, delinquency rising |  |
| 2017-06 | 1 |  | thin capital, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | thin capital, margin squeeze |  |
| 2020-09 | 5 | auto monoline |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 4 | delinquency rising | margin squeeze |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | thin capital |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 1 |  | auto monoline, delinquency rising |
| 2024-03 | 2 | auto monoline |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | auto monoline |
| 2025-03 | 2 | auto monoline |  |
| 2025-06 | 1 |  | auto monoline |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2021-07-31 [Obituary for Elizabeth Ann Moline - Shugarts Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9pU2tDUmRMMWZqT0wwNnN2clozS21nQmRvU0JGSHhIZkhfcUtYSW0tRVNGUjNTZGVhSlZVeGdTUU5XUGQ1bUFHS1RFWXNqUnlSTndiMHh4LWtfR3dUY1E?oc=5) · Shugarts Funeral Home, Inc.
- 2025-04-25 [FRIDAY FACES: Get to know Mikaela Loy - The Courier Express](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPR2diMld5aWJmVVJkUWlYRXByVlhNSGtPQzdQQmlfTTMwRkdKc2FYaGg2UFJ2WEhHdEdKbnA4NGtjb051N1ZTanVmS3hueGtJb2EtTUc1LWpRdnB2eDZ5TlI5QjdsQ3JPb01reHFSN3l1MkVjT1lldlp0YXRCY09fal83V3JiU3g3dkxZVjNfVTFzY1JETjZlZkVJOTJOTUQyWmdTeVVhM0RJbEJCQmVKYjR6RHBQandReTFnczZ6alNwYnc?oc=5) · The Courier Express
- 2019-10-10 [Priority First FCU Makes Donation to Brockway Foundation - exploreJefferson](https://news.google.com/rss/articles/CBMitgFBVV95cUxQLXNKSnYwVG9sRWl5Um12U0tmSHpQSEVrQWRhSWhBSzRKM0NlQVZ6c2JkU2E5enI0TDdwZHhOd2F5elIyb2xZUDhpR0o3S0pXWmlidlZPWk9QejZHMTVsLXFJSnR4aXNSY1lQc05FM01FdzI1eW14VEh2Ny1VRVVSNzFVd1l6cWhjTXZtU1JMYVp6LUJVWUJXUXV1dURtYWpWOW1BUUVKSGQ5T1NjMWhRNS1hNWx0UQ?oc=5) · exploreJefferson
- 2022-06-14 [Clearfield Jr./Sr. HS announces scholarship winners - The Progress](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOTjc1em9Nc0drUjBFc216UUdRSU02ZFg1WWxnZERWa1M0Yk54OTZfR1FGV0hwVEV4cGQ2Y25VNTBoOU5sTWNNa2x2d0wyM0VoNVgtTmVGQ1FydXpyaWFBZEI5ZkFLNnJlZUJRRGF0ZlEtTTJhY1pfUEhYTmZKUVdTT2ZmYnBFZGpkVkZtTVJLeUpTbWFZSFNCSkd3dGVWTGNzYkJldFlYd1R4MmtkZW9oY0cwUzVMRE1GN2ZoQU40TjJfazRQc2piOW9YcFlYeGdoZHd3RjRFaUxVdlJsdEs0?oc=5) · The Progress
- 2024-03-28 [Brockway students experience how finances impact their future - The Courier Express](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOREs3TDlWV2JXRGlWZ2pkZzFSazAwLWxEZXVraF9SSF9nN0JQNEcyOE84eS1GeE1EcGt6NW1qTS1SM2gtblpKbnI5RjFWcnpEbWNXcVlXLUtBWWhkbjlLbUYxU29uWWJXeFZxQW9MZ0ZjNVh2QkkzbXBwb1o4OEtkLXZxSEk5eHM5d0Fab3FLdDBTMkRCckNrT01kaFh2ZU5wMHZQSE03Z25faDJ5TVl2UDJIc0Q5X1pNY2FvSjF1YUhMb3BSZFpjbHQ0dDFrc2FzWUlneDhaSVdUWWpoTVNrVTZuYXBrWnpqMEMwNQ?oc=5) · The Courier Express
- 2026-02-26 [Plans advance for solar power facilities in Clarion County - The Courier Express](https://news.google.com/rss/articles/CBMihgJBVV95cUxPY2JGVzlUWXhYVzdTTnA2c0dCQXVvWi1FeGFwaWFzRWdkekVhWXdxZGJoMEpLaEhjdVFoNXJXMTlRLUphNGpyenpkcWNrdWE5WGpPNWxtNHNvRFdna0VneURvMVQ1TUQzZEs4SWtiX2Nja05ETWRKajVOYkkxOFdOTVpVY2NUUmJSdDBwckVxQXl4eW1UVGZ3V3BDbURyNHZCWGRjbDF5ZUktVnhKckZaWGhfb1BBZVQyTTlIcnFnbW5FZVM2LWM4dDFJbEFBZ1VyTTRuWXlTdVRtM1YySzRGOFZwOW5ncmozOE1aU24zOXVCZGFmWi1DSTZlLVN3Mld5Ykd3Y3hR?oc=5) · The Courier Express
- 2022-09-29 [300 senior citizens gather for annual picnic at Jefferson County Fairgrounds - The Courier Express](https://news.google.com/rss/articles/CBMilgJBVV95cUxPVjdraV9BMVE0eFVaQi1KQUgtU2xGZlJfSU5UX0ZqeEt3U0hMZGROYzdwamduNjdaOHJJNjJxQThFNjNQZzFaSlBYak9ZRnpadFZSamVYQkhheUtJVnI0SmlwUHNJQUFHZ2JrckotcDk3eVhBTXpxQ0htSTBwOXcxQnJRREdpemFSWlhhVG5OT0lqX3c1NU5RQlZzQnZDM04yQ2NkUUxGZTVZWnpGZ2ROcGRJMnFvRnN6WHU2WmpLMVJiSVhpY0k0M04wT2VLeGl1MTB2LTY2SDZKVXNfRjY5X1dHYURJdl96cVVoRF80d0gwd2dKc3BrMjRmZTNjaVotUktWR09ZSjZkSmNvQlY4anNRY3o1Zw?oc=5) · The Courier Express
- 2018-12-20 [Letter from Santa to Brookville - The Courier Express](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPVEdqcjd0dGp6c1cwTElqQzJ2UUsxZHFSSU5CLUlJWUJNTGRuVlJDYy1FcHR6TG55U1diN29VbWVNMEFSb0tnZHZnQWY4anhXak9QRWJYSThnT1VtXzlhM0pDc2dMNlN2Zk53aFhMM21yNHpBT2EwajdWVE5WbVY3NnBteUlQTWJWaDM5VVh6c0ZKWTU3TDNGMzRuRnY2a05RcDBZMDA1SzBaNHZWZ3pVbDZ0emZRT0E5Qm1BaVBJT05ZMElrczV5YlhwLWM5cWNWeUJKMnpJVlZRLUoyNHdYamw4ODBuN3JLcFZiZ1JxUW1sWXJCSXc?oc=5) · The Courier Express

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19655 (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/7.json (key "19655", 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=19655
- 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