# HILL DISTRICT
Pittsburgh, PA · NCUA charter 20354 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hill-district-20354

Who the members are: federal charter, community charter, organized 1970, low-income designated, minority depository institution. 3,820 members of 13,000 potential (29.4% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 12.

**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 | $16.8M |
| Members | 3,820 (4.5% YoY) |
| Full-time staff | 5 |
| Net worth | $4.5M |
| Net worth ratio | 26.6% (p89 of band) |
| ROA (annualized) | 0.83% (p62 of band) |
| Total delinquency | 25.54% (p100 of band) |
| Net charge-offs (annualized) | 0.86% (p83 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 51.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p21 of band) |
| Operating expense / assets | 4.42% (p68 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 27.56% (p100 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 8% |
| Average share balance | $2,481 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 12% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $9,299 |
| Loans granted, annualized | $1.1M |

## 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 | 3 | expense trap, delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 4 | losing money |  |
| 2016-09 | 3 |  | losing money |
| 2016-12 | 5 | thin capital, losing money |  |
| 2017-03 | 4 | net worth falling | expense trap, losing money |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 | expense trap | leaning on borrowings, net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | capital below 7%, net worth falling | expense trap |
| 2018-06 | 5 |  |  |
| 2018-09 | 3 | leaning on borrowings | capital below 7%, net worth falling |
| 2018-12 | 4 | losing money, expense trap | leaning on borrowings |
| 2019-03 | 3 | net worth falling | losing money, expense trap |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 3 | leaning on borrowings |  |
| 2019-12 | 2 |  | leaning on borrowings |
| 2020-03 | 2 |  |  |
| 2020-06 | 6 | capital below 7%, net worth falling, margin squeeze |  |
| 2020-09 | 5 | delinquency rising, leaning on borrowings | capital below 7%, net worth falling |
| 2020-12 | 7 | capital below 7%, auto monoline | leaning on borrowings |
| 2021-03 | 4 | charge-offs p90 | delinquency rising, capital below 7%, auto monoline |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | thin capital |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | delinquency rising, members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 4 | net worth falling, charge-offs p90 |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | losing money | net worth falling |
| 2026-03 | 1 |  | margin squeeze, charge-offs p90, losing money |

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

- 2025-10-24 [Rooted in resilience: Hill District FCU’s story of community and commitment - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWnBjUUFYM1dWNDBUZUFzLXhSeDRzMlZicmVsNkdJRlh1c090UGVwLVNnRDUzWnJuODhLTkxhU00wUmJfR0lyeGNFLVdvMnl0MzJjenRhV3VZSkJJZFNQTWc0ekpsd09VbUVJdk1tNVc0UWptS2o4TzJpWWppSlMxMTE0Z1ZsLXhwZGRWZzZIZVBITVQxUDN6ZVFDakx4eV9lRFE?oc=5) · CUInsight
- 2023-02-10 [Hill District Federal Credit Union one of few remaining Black-owned banks - CBS News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNlhSOElSYVZNWFJTU0laV3RZN3o4dGhhaFhPVVotVlQydEJyQ2lVT1NtazRwcGZrUHZfcC1FMU9wQzdWUndjWlJjVmdQWTFXbU9SVXFmdVZFU0ZVX2RlSlBSOUJmVk1xbGowN2RUTTk0b0VfXzZFVTc5NGJqQmNGVm1fYkJOLUJnQnd3SHRTaHVldU1sTEFaY2hMcmpXaE9nSExmaW1n0gGrAUFVX3lxTE0yV3hTT1djSF9YYzVzLVd6UXpISXlqUkVsTTlwVHpIRWUtSHRwdWNGaVZKSHBPbEhIeHJVX2Ftc2tTMW05WEpEX0pYcHhZMGIxdDY0M1FWeDMzdDA2cUYwWVJMYmhVRlNXMjI1SUo2TWMzUGpZQjJ6OTh0R1VoZlptYWtUb01zSldHYV9RdUVuUXE2WHpMSjNhTWwzczllbDZZbmNvazlDUTk4Yw?oc=5) · CBS News
- 2023-12-14 [20 People to Know in Banking: Richard Witherspoon, Hill District Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMFJaYXpkSlRoRTg2dVA5T3hyOXJtQmE3Rm45Nm5PUmVoU0trdjhOOXVud3BvZ19McUlVeWxBbDFmMjcxbTRxOUR1cEpEYk1ndTd3RHMzTUlIS0lLMWpzU283a2dLMjI1djYxcVBLNF9TSmRfNWt6NVNyVHZDZ1hnNjVFcWlsS2l1STd6aG5sdGVlMDY5VS1FdUFJMFlERHE3Qm91dUZEMWl5R3RG?oc=5) · The Business Journals
- 2020-12-10 [Hill District Federal Credit Union having banner year in 2020 - New Pittsburgh Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOHhCenBDQ1JNaUx3eXVMRWpaZ0Nabng5cWNHRWdxU0dneGNaZjRIOVVqTHNLRHhRZGZSVmpLb3c5MWtvVXF2RFRRU09fNGtZUU9aeENCelpnWUl3MjlSbTdyaXRWeVNBcW4taWdkYWwwUk1KbUpFZGtXVkZjSEdTbnFQWFVoOXFFYnYzSklDeHNIQmtZemxuemUyYzhwWmc?oc=5) · New Pittsburgh Courier
- 2023-03-24 [Hill District Federal Credit Union expands in more ways than one - New Pittsburgh Courier](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUnY0SVRGbzQ5clhTQnM5a0FEWi02QURDc3hyMW16aERNNXI4VGMyd2tmMlVfODl2TExqQjJsRE9aQlM5cVowY3BuZXNuZGxVaE1IMWhGQXU2RWQzTHFId1dPcC1PZG1PQnhPSjZ5dmJHNkNzYkttdUdsa0tweW1Kbk9UMXcwSGJMMEtsLUFsUWV5LWdlQllueFAtU0szcU10T2FiQW1PTzFsVUVxTmc?oc=5) · New Pittsburgh Courier
- 2024-07-10 [Dignity is being unplugged in the Hill District - Pittsburgh City Paper](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSkczXzFXZllwZFF3MERsRzZRT2lnQ2M3eTI3cTJ3MDBaWTVSaWJxRjdyTlJwZmhJb1l1azV6c3diN3V6TFU4NVpNUGlUVmgxc3BTUnpiNVdMSFFKMFpTbGpvd0ZWb1MxM284enplVHZaSDctMG1uVUJUX3ZOTmQ4cjh4Q0J6eFl5YUdoNUVWWkxFTXBMZXlFOQ?oc=5) · Pittsburgh City Paper
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2019-07-11 [The legacy of Hill House: From settlement house to real estate player to nonprofit in dire straits - Pittsburgh's Public Source](https://news.google.com/rss/articles/CBMiggFBVV95cUxOem95OVA3SkVlcWNBRlc5dldnTm9PYVgxcEIyeWEyVVc5aUpscVRWMWtPMllRNkdNclBGeUcwVkhZOTZZNFVEaEtOZWVHX000Qmw1bHd2Um9BS051aUhwMjVUWl9sdEl0eF9sbTEtVVpZMndiRk41dDU4ZUo0VGU5ZE1R?oc=5) · Pittsburgh's Public Source

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20354 (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/2.json (key "20354", 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=20354
- 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