# CHROME
Canonsburg, PA · NCUA charter 20558 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chrome-20558

Who the members are: federal charter, community charter, organized 1971. 15,454 members of 2,394,971 potential (0.7% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *ordinary*. 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 | $224.1M |
| Members | 15,454 (13.9% YoY) |
| Full-time staff | 52 |
| Net worth | $33.8M |
| Net worth ratio | 15.1% (p89 of band) |
| ROA (annualized) | 0.39% (p27 of band) |
| Total delinquency | 0.77% (p66 of band) |
| Net charge-offs (annualized) | 0.30% (p41 of band) |
| Loans / shares | 78% (p60 of band) |
| Cash / assets | 17.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p90 of band) |
| Operating expense / assets | 4.92% (p93 of band) |
| Vehicles % of loans | 25% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 79% (p50 of band) |
| Vehicle delinquency | 0.31% (p26 of band) |
| Vehicle NCO | 0.44% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 85% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 23% |
| Average share balance | $6,603 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7.6M |
| Participations outstanding | $13.4M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $14,066 |
| Loans granted, annualized | $42.6M |

## Participation posture (from the same filings)

Bought $0 and sold $7.6M in the latest annualized quarter; $13.4M outstanding purchased (39.5% of net worth), $11.7M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 16.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | loans>95% of shares |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 | loans>95% of shares | net worth falling |
| 2017-12 | 2 | members leaving | loans>95% of shares |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 5 | loans>95% of shares, leaning on borrowings |  |
| 2018-12 | 6 | losing money |  |
| 2019-03 | 6 | net worth falling, loan book shrinking | loans>95% of shares, losing money |
| 2019-06 | 4 |  | net worth falling, loan book shrinking |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | members leaving, assets shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | leaning on borrowings |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | members leaving |  |
| 2024-12 | 2 | loan book shrinking | 3rd-party paper>100% NW, delinquency rising, members leaving |
| 2025-03 | 3 | delinquency rising, members leaving | leaning on borrowings |
| 2025-06 | 0 |  | loan book shrinking, delinquency rising, members leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, expense trap |  |

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

- 2026-01-05 [CHROME Federal Credit Union appoints Broc Sleek as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSkMzQ2NlRmpiY0lHMHBWd0VQT050VWtUaGFIRlc5RzBxS184VEE1YzBUTjRIR0VsdnBiQXl5SC1YZzlLVGhrbWJBRHpqOTR5cHFFZVpkRFRIMk5jVlB6X1gxNTZ5WU5Iakd3Z0h3VVFZdFFoa0FCS1prMi1JV0tJR3JRRGk0b0pYQ1lXeC1FbGFyanlaaERkUjRPOFFfYU5rbGxHWGp6bTA?oc=5) · CUInsight
- 2026-04-11 [CHROME credit union hitting 55-year milestone - Observer-Reporter](https://news.google.com/rss/articles/CBMiowFBVV95cUxQM1BLcjRndzN4NzJPbmZDN0VfSXV0MjE5RTVJU21wTnhWYjVHOWw3MDdMWi1YMGJmTEk4dW10c09CSmhtbno3bXQ4VkQzeEpPMTBCSlN6NFdjSUZQOF9EZGpWckh3VFFTVnFBbUlab2dGdVlBbEZEY3BEOFJSSnFwcy1sSkVVUUdKWUd6eGZKUnotaXFjalVsMnRCTXgzeGNVWm1J?oc=5) · Observer-Reporter
- 2026-02-12 [Chrome Federal Credit Union opens first Pittsburgh branch - WPXI](https://news.google.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?oc=5) · WPXI
- 2024-06-13 [THURSDAY, JUNE 13, 2024 Ad - CHROME Federal Credit Union - Sewickley - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2021-03-31 [How Big Do Credit Unions Have to Be to Survive? - The Financial Brand](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWHExMkNubkxFV080NDlHM3NQRlhzTU1jdFpkVkRSd2U0b3dPdFlwN3pBVWJ0c1QwYjJXT0FFdHNHSi1fZk5yNWJGbWt6OUR0d2pReGNUSnRFbS01dzFRZ1VuY2xqUTdKUk1qenp0cktTazVWMGp2SlNBbFBVaXBMYVJ0Mncxbk1kU003eWJkYUo0MjhzSFNUYVh5WXZXcUxaNG9QazAwSUUwek50UkIwa3dpOA?oc=5) · The Financial Brand
- 2026-03-07 [Merger brings together CHROME, Alcoa credit unions - Observer-Reporter](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVEtDR2hrUnYyQURWa2RsX294RXRKZ2lsUmZGRzBXVHFXU3Y4anlVNGFQcW9hb0pnVlFLNmhWcm1ZU0gtaUNZSFVucmdCa18wSklZMEVhN29RZ3ozTTVGNWJsd08tbklXcGljbWctTnZQYXM4ZFR0M1hreVNnYVBGLW9NWkYyOFRKa2xVLVJaVERqZlRGZ2tBWHZ1RzZ3aEppS3l2MGgyTWM?oc=5) · Observer-Reporter
- 2023-12-17 [CHROME takes home national award - Observer-Reporter](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaHpMRVFvSk85Z2xRbjl6aE1Gc2VySkJKb19FM194SmFFX3ZpLU05Q3dCMERqaXFsQkc1b3V0b1F6M0hnMGdRS29Rd29MSF9zc3ItWlFrZTlJNXBsekhTeUVqTENaQzB5ZGpKQmpYZzNVYlBBcjl6dV9YdkQwUXZvSDJULWVtTkJBRTloMzdwbUswZw?oc=5) · Observer-Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20558 (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/14.json (key "20558", 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=20558
- 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