# WESTERN PA
New Kensington, PA · NCUA charter 21140 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-pa-21140

Who the members are: federal charter, multiple common bond, organized 1973. 1,533 members of 3,000 potential (51.1% of the field); checking penetration 1% (share draft accounts per 100 members); loans per 100 members 257.

**Verdict on the desk:** this could be *participation buyer*. 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 | $23.7M |
| Members | 1,533 (19.6% YoY) |
| Full-time staff | 3 |
| Net worth | $3.1M |
| Net worth ratio | 13.3% (p40 of band) |
| ROA (annualized) | 0.08% (p28 of band) |
| Total delinquency | 2.49% (p83 of band) |
| Net charge-offs (annualized) | 0.15% (p61 of band) |
| Loans / shares | 54% (p45 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.33% (p7 of band) |
| Operating expense / assets | 2.27% (p15 of band) |
| Vehicles % of loans | 41% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 47% (p94 of band) |
| Vehicle delinquency | 1.71% (p76 of band) |
| Vehicle NCO | 0.37% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 46% |
| Average share balance | $9,392 |
| Participations bought / yr | $650,896 |
| Participations sold / yr | $0 |
| Participations outstanding | $954,508 |
| Loans outstanding per 100 members | 257% |
| Loans granted per 100 members, annualized | 335% |
| Average loan balance | $2,811 |
| Loans granted, annualized | $1.5M |

## Participation posture (from the same filings)

Bought $650,896 and sold $0 in the latest annualized quarter; $954,508 outstanding purchased (30.3% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 1.3% year over year.

## 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 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 1 |  | members leaving, net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 2 | net worth falling, delinquency 2x band |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | net worth falling, members leaving |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 1 |  | delinquency rising, members leaving |
| 2021-06 | 3 | net worth falling, members leaving |  |
| 2021-09 | 3 | loan book shrinking | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 3 |  | loan book shrinking |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 4 | losing money, assets shrinking | members leaving |
| 2023-06 | 4 | repo signal | assets shrinking |
| 2023-09 | 2 |  | delinquency rising, repo signal |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | members leaving, loan book shrinking |  |
| 2024-12 | 6 | net worth falling |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 4 |  | loan book shrinking, net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 1 |  | losing money, assets shrinking, members leaving |

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

- 2026-02-02 [Lower Burrell zoning board to consider credit union’s proposal to move to old PNC Bank building - TribLIVE.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5lWVZZM1RhZEk5Vm5JNGg4T2F0c0hJb05Ca0NoVFJId3MwT09fV2dramVBYzYwa2lxX2VSTU1kZnktYkk1UlZ5Ymp2WXlPclVuU20wa3pn?oc=5) · TribLIVE.com
- 2023-03-13 [Mercer Credit Union, JA Give $10K to Hermitage School - Business Journal Daily](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbi15TmhIcHFCQWRDVnI2VDlXNGF2S3VkaFZReVFOZHc4R3QxbVdDZUp2R1pBcUFKQy1ZNWNjb2VLRTJjNV9DQUV3akswaThER19NTEZQZWpnZkVlTms4bUdpMS1JN01fYlBndlM4VEgwdnlVdDcyQTlPcWxSY3pHc3EzRF9nb3ptblVRV09R?oc=5) · Business Journal Daily
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2024-02-13 [Mercer Credit Union Grows and Gives Back - Business Journal Daily](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaDQ4R1d6QkpjajRCVjJUb092Ym9vWlNZM2tJRFNDeDFVanR2clpLbUNuNEZ0cGVqdS1kRExDYWF5aUdSS0ozYXgxVk1CTG9qbVdqN3hFQzRicDNNLXRrcGZGeFIta3VkZGpCX19TMnFxYi12b2o4eTR2X2lrc0d5OXNJRndaOVQzMVE?oc=5) · Business Journal Daily
- 2012-02-07 [Eli Matiash - Beaver County Times](https://news.google.com/rss/articles/CBMif0FVX3lxTFBiQ0dCN2pvVERmaVdIcXhiX0drYzcyNzFrdWY4OHBKZTBpZjhGY0RDQUpUU0VOV2ZkajhvTUN1Y2dNUmFiUHN3MHpGa3hQXzlkV1N0cDZXdGI1NFhZMmVWaHhSUWduWllvQ0RFNHhvTUNrX1Jad2Z0NHp0LVpoM0U?oc=5) · Beaver County Times
- 2008-04-13 [Sydir Michael Tymiak Obituary Apr 13, 2008 - altogetherfuneral.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVVljS19yb2dOTHBaQkZTMURLNHJBOG4tN1p2Mzljb1p6WUdYSVJVeVpPSGoxd1JjRGV0ZXMwYlVGWUVrNmdLZkdldXRobmRmSG9DQ3BhYjJ3QUpiVkZmTTJKakdfbVBYbHg1Rk9zN091NFl0V3dONXZjMDA2cC1QSWgxemJGdXBSR255b2c2NlRfZXBUdU95S3BKTklBLWRJU3FCMFZxYlBTN1YyT1FQS3VJcEQ5MVFZdmc?oc=5) · altogetherfuneral.com
- 2021-08-01 [Dale Patterson Obituary (1943 - 2021-07-30) - Rostraver Township, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOX05KN2lIWF9uSEozUVJkc0VMVzJkZTVMbW44WTFKNkdyTE1XUEhlZ3hVc05UbHRYSDkwOWplVVR4bHowemJia1I4Qi1ObVY4X1hKVmNKemFScTQtSWNuSmNibHJZU290aE14ay0tY2FuQy1DV2ZHcEszN255RnRpWDZENFVOOTlMOXhDVE42Sm5mYk9ELUxJTUZZbktOTUJBRDdN?oc=5) · legacy.com
- 2025-03-21 [KDKA Western PA High School Football Kickoff Classic games announced - High School Football America](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVTRWWVBydjNBTUVNbGs5d29TZWVkS0trczlRQ1dlTDRrYnBkcFBlVERZTmoxOWJ5eFFQSUFMU2hOb1NJV2lNS3BRc1Q2WGI5VUtOVk9QSlVmWGZ4ZHVEUTdBdk5zLXF1djM2dGQ2S0NJTGpPYWZZSEJBeTM5MnlpVTNFTGhIRm5OaHlud1pfd19yeVJXT3lHMVZPelFia3BFdW9ScHpCc0ZEVXc?oc=5) · High School Football America

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21140 (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/20.json (key "21140", 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=21140
- 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