# ALLEGENT COMMUNITY
Pittsburgh, PA · NCUA charter 205 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allegent-community-205

Who the members are: federal charter, community charter, organized 1935. 21,845 members of 1,584,230 potential (1.4% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $282.2M |
| Members | 21,845 (-10.6% YoY) |
| Full-time staff | 62 |
| Net worth | $48.5M |
| Net worth ratio | 17.2% (p95 of band) |
| ROA (annualized) | 0.14% (p13 of band) |
| Total delinquency | 0.73% (p62 of band) |
| Net charge-offs (annualized) | 0.35% (p47 of band) |
| Loans / shares | 80% (p64 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p42 of band) |
| Operating expense / assets | 3.66% (p48 of band) |
| Vehicles % of loans | 45% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 97% |
| Third-party paper % of net worth | 166% (p74 of band) |
| Vehicle delinquency | 0.63% (p55 of band) |
| Vehicle NCO | 0.37% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 32% |
| Average share balance | $6,528 |
| Participations bought / yr | $17.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.5M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,956 |
| Loans granted, annualized | $52.2M |

## Participation posture (from the same filings)

Bought $17.4M and sold $0 in the latest annualized quarter; $9.5M outstanding purchased (19.6% of net worth), $0 sold and retained. Sold in 2 and bought in 6 of the last 8 quarters. Shares -5.7% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 2 | assets shrinking | delinquency rising |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 3 | assets shrinking, members leaving |  |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 | delinquency rising | members leaving |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | assets shrinking |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 3 | members leaving |  |
| 2021-03 | 3 | margin squeeze, delinquency 2x band | net worth falling, members leaving |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 4 | assets shrinking, members leaving | delinquency rising |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 3 |  | assets shrinking, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | net worth falling | members leaving |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 1 |  | delinquency 2x band |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | members leaving | delinquency rising |
| 2026-03 | 3 | assets shrinking |  |

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

- 2024-01-03 [CUSO Financial Services welcomes Allegent Community Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxOUE16UXdMNFFvTFA2U1BOamJ2X29KcGp0MG1ObHg3UEoyQVJ4aXNwV1pkcnhNTE1OdkxvZnVJYUVOWTcyQ1BPR3VBVGpZRko2MHZBMVdIelJPb2E2Mlp5aGpfNzgzenpxSi1XVERjdlFPRUZCaVE4Q1NiWHR6bHI1OFZadWZFcUdmVmppdnJSaU5jZ2NwaFZ0UTJjaVU5d1lCX09iZ0ZrTTl3ZUxPNlRudnJRMA?oc=5) · CUInsight
- 2021-02-02 [Allegent FCU Acquires Riverset Credit Union, Pittsburgh, Pennsylvania - Business Wire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQVWJGSnAzZ0ZzOURWSFp6eW1rUVRaTGlGZDRHdUY2YnU3NlBmakpOenJQWm9fV0dkT0dLZjFUMWNTaWZfSl9peU9zaGl4bmhWRmQ0bENnSjQzSlhBWGxzdXRUdXhIdHdmbGtxd3JXYlRUNGlRb3RiVG1VczhqREZhSGI1dlNNa3ZyZ1NRTjZQaVpycDdqSm95ZE9FQWFvNzlqSlRrRWdVbFlXQWJSWUYtNnljc1l1c1IxeDVyNGFCc0VjUQ?oc=5) · Business Wire
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2020-07-09 [Two of Pittsburgh's largest credit unions to merge - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMk1ldlQ0blE0Z3dHRkFaZHVwb3dsWHRlbkp2T3dqQVcwTS1Fbmlsb2JnN1VCUV95RFlyYUtiR1VIVWxrODBiQVl0czk3U2ZwYmlYWHQ0TUFheXNZb1NNMkJVdUtZeEd3UVNaczNvSnF3QlBCQ1VnSmt5SFY4YjRlcVdycHZPbWhvMlpjWDBzTW9BYVczclZpZQ?oc=5) · The Business Journals
- 2025-02-28 [Newsweek says these Pittsburgh banks and credit unions are the best in America - WPXI](https://news.google.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?oc=5) · WPXI
- 2026-03-25 [Audacy Provides 331,657 Meals to Greater Pittsburgh Community Food Bank During Seventh Annual “Giant Eagle Feed the Need Radiothon” - Audacy Inc.](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPcW8tOGdaTjZmWngzRUN3VGdDUll1MEFMWU13dUhDT2M4czhrTmNUVUZ2UjI4UnFHNFUtR0VOYUsxcXdfelNodDNiN29ZdjRKaDJaWTYxLTNSYm5KbnNFSDhmVHpHb2NSNGxjMEU2a2tXWFViT0lLRXFPNDJDaUhnd3VfU1JSYTdmQ0ZQM2t0X3BDUm9COXh5ZXFpNXdjbWFyZXlJTVZYVU9yS1BwRks4cHgydEVXQ0JiQWI5R21NR1Ruay1JRk9rUXdGdkhfUFBVcGNNRjBuSzY0aGw3ZkhTVEF2NGM0ZGx5QWxZazhB?oc=5) · Audacy Inc.
- 2025-03-21 [2nd annual KDKA Radio High School Football Kickoff Classic set - Audacy](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeHZzS3ZsN2ZGdzVKMGl3UExFQlRxZ0VKT1cyMkFMRllsQkhJclhfd0NlakZGUnZQOV85dDZVZ01lQTMzZlEzdTYyNXgxNGZkdFRTalUyYlF3ckpwMWl6U0lNenExOWVWYTJBakJfTXF0ZmJ1Z1l5OV9kT2o2WDNzSFRYNjlhT3V6WGh5cXhOR1E2ZUxZdzNNOTNxeFREX0pJN3JMTg?oc=5) · Audacy
- 2024-03-26 [These Pittsburgh banks and credit unions are the best in the U.S.: Newsweek - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOYXQwMDlHTzdwdWZlVkJ3c2xtUEVoeXdheU0yRGV5bEVNdjhpS0F5VHhZaFRrNjAzUlVoU0pmUnN2NzlDUFlQM1FHV0VuT2FSWXdXU21mUWxDZEdhUE1lY0ZldDI3R1BZWDQxRDdHcDZTLWdybVR1ZU1JS1UyVW96c3hMOERiS19JOFlVWEFxMTdIZmNEVURzVUpLMThyNUZB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=205 (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/13.json (key "205", 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=205
- 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