# PENN
Philadelphia, PA · NCUA charter 20207 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/penn-20207

Who the members are: federal charter, multiple common bond, organized 1970, low-income designated. 6,604 members of 10,000 potential (66.0% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $54.6M |
| Members | 6,604 (-0.4% YoY) |
| Full-time staff | 10 |
| Net worth | $13.3M |
| Net worth ratio | 24.4% (p98 of band) |
| ROA (annualized) | 0.25% (p25 of band) |
| Total delinquency | 1.92% (p93 of band) |
| Net charge-offs (annualized) | 0.97% (p88 of band) |
| Loans / shares | 44% (p19 of band) |
| Cash / assets | 14.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p85 of band) |
| Operating expense / assets | 4.90% (p87 of band) |
| Vehicles % of loans | 14% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.48% (p82 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 7% |
| Average share balance | $4,369 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $5,507 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | net worth falling | delinquency 2x band |
| 2017-03 | 4 | losing money, delinquency 2x band, members leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | net worth falling, delinquency 2x band |
| 2017-12 | 0 |  | losing money, members leaving |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | delinquency 2x band |  |
| 2018-12 | 1 | assets shrinking | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 2 | delinquency 2x band, delinquency rising | assets shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | margin squeeze, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2020-12 | 4 | losing money, members leaving | charge-offs p90 |
| 2021-03 | 3 |  | losing money |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2022-06 | 3 | delinquency rising | members leaving |
| 2022-09 | 4 | assets shrinking |  |
| 2022-12 | 2 |  | delinquency rising, assets shrinking |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 4 | members leaving | delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 4 | losing money, delinquency rising | charge-offs p90 |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 2 |  | losing money |
| 2024-12 | 4 | losing money, members leaving |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-04-09 [Finanta Opens First Credit Union Branch in Reading - Berks Community Television](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWDRrWjdDSVZ0dm15SWpyamVnc0dobHE0eXdZZUtENEFzX29FNDFmV2dnaTVURlVydlNMbXcwRUlRRHRWc2kwQXpwaGFrTlFaSjlvaUJkVnRzcmpkTm1faURqVFI1ZVg4UFJhMlRQMzNVc3BpVk9ZdTRMUzFXSjZzMHJXOUNkV2NNeEI0?oc=5) · Berks Community Television
- 2026-06-23 [Penn State Federal Credit Union donates to Centre County YMCA to combat food insecurity - WTAJ](https://news.google.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?oc=5) · WTAJ
- 2026-01-30 [Penn State Federal Credit Union Announces CEO Transition - pabusinesscentral.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTllwalYxMkVPdmJndlI1R3NpUlJOXzk1cVlNR09ya2pRWFlMakhKUGxZRlhjREJHdGZtallFUjFMQjZ6NUNwLW1iOWg4YXlTbjNJT3UyY21seWRiSXBqQ0NsYVZVYk5MMnR5UEcxd1ZMUGhOdXpUbE9wbno1bjFMMVBLY0s0VDQyRUtCV2RjaFI4akRwLTJpZDZiZllEeGVuMkIwYw?oc=5) · pabusinesscentral.com
- 2026-04-07 [Members 1st Federal Credit Union celebrates its members - readingeagle.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPbEZQTG1hN1ViUGd5YlRrc2M0X0duTm1xMXBLbmlsd2VyWnNDWlkxQlBQamhBRjUzeG1qN0FpOUNDZzB1TlRZMENZV0dkRnBpTVJLNk10RmdraUN0VDc0Wmh3RHlSM011eElHdXlsWWF0XzlHZWhLUTc2MVFNRjhLNS1Mb3dnNzc5MkEtTWZCaGM3STdmRHdCbkVYYlBUZGc?oc=5) · readingeagle.com
- 2026-07-13 [Dauphin County-based credit union to open 13th branch - PennLive.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZFZwSlJGZUtRd0VvVTE2eEVXbVR1WUIzaDY2RTNyLXpHRVl5T2E2a1doR0t6ZkVTbmJqX0hwVXF6NzFNaGFMMlRkZTRJXy1BbUFNaVVBSURwanlNZ2xXdmRPTURacHlERUhVOXZ4MXpiX0xlMGc2TUI0SGUySnNWYXJ4dEthbTJRTHJUSFR0VUZQcW9TUzFXdWVuS0trbVN3a2c?oc=5) · PennLive.com
- 2026-03-04 [6 Credit Unions in 5 States Appoint New CEOs - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUmk1VnNUSWhkQXVMQVBpbDRhTE8tVjZmaFNPWkpmYkpXbW1FZnBvN2R2SlBJTnk0M2VyU08zNnNVUlpSTXV5UVpaTzBMMHNxcW9GNHhWTHdVNHZJZnlfV01uN2dZcjZzSm9Zd3k3OHVsY3ZBb2JqS09YbVRQNW1HWEJIUkU3Y00?oc=5) · CUTimes
- 2026-04-13 [Finanta cuts ribbon on credit union in Reading - readingeagle.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNRlYzUEh3R2d5THpqYmEwempFUUZEYWtURk45THlPdHhLX2pzZkxGS3RJLTA0WDRBSzBiNHpKN1BoYWdYSHBxdVVkUzlTRlB2dWVfNERTUXRDUGpaRlhfOUFvV1ZKR2k0Um41SGhEMzlpb3BCSTJNRUtrdDllS2FJZkNsLXM1YXZyYU1fY3hEbkM?oc=5) · readingeagle.com
- 2026-08-03 [Central Pa. credit union location to transition to ‘electronic branch’ - PennLive.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOaWYtbWExN1owN3hjelJ2YjlmQWwzMl9TX1luQy02RmtaRS1ReTlyTDdyMnh5RS0yTmFpWFFfb1cwT0Y4VENRVElhQW5YR3RrbmxPM2J5ZVVrb2YwakpfU2RQMml0dXl2aXVJRUdOYlpPZ083WHQ3YVpla1ZyRWRVQm9mZ3BfeHdLaHJzb29wYTVNWXEtUXFwV0RtUWFTbW90dm1oUGNGODhSZHNuOXE4NEhNMDk?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20207 (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/47.json (key "20207", 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=20207
- 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