# WYOMING AREA
Wyoming, PA · NCUA charter 21345 · asset band <$50M · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wyoming-area-21345

Who the members are: federal charter, educational (single sponsor), organized 1973, low-income designated. 398 members of 600 potential (66.3% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 12.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.4M |
| Members | 398 (-5.2% YoY) |
| Full-time staff | 1 |
| Net worth | $792,671 |
| Net worth ratio | 8.5% (p11 of band) |
| ROA (annualized) | -0.01% (p19 of band) |
| Total delinquency | 0.52% (p48 of band) |
| Net charge-offs (annualized) | 1.25% (p91 of band) |
| Loans / shares | 11% (p3 of band) |
| Cash / assets | 24.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.27% (p2 of band) |
| Operating expense / assets | 1.24% (p4 of band) |
| Vehicles % of loans | 46% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.13% (p70 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $11,942 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 12% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $20,368 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | assets shrinking, loan book shrinking |  |
| 2018-09 | 3 |  | loan book shrinking |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 2 | net worth falling | members leaving |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 3 | members leaving, loan book shrinking | assets shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | members leaving |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | loan book shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | members leaving |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 5 | losing money |  |
| 2023-09 | 5 | charge-offs p90 | delinquency 2x band |

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

- 2025-06-17 [Anne E. Gober - The Citizens' Voice](https://news.google.com/rss/articles/CBMic0FVX3lxTFBSSzVkU285d3dEeHRKNTRmcEZ0SUZKcmZoQXFzQ2E5ckxhVjhaNFNtMF92ZzE0XzBmck9EeVE2TXVhdWxybjhmSUtSbll0dHBGakJEUEpFNHZEU2ZpOGd3SllNMlJkSUpFQlAwSkFJSVBEejg?oc=5) · The Citizens' Voice
- 2011-09-01 [Michael Birosak Obituary (2011) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdUJQVzl5NnpFZnZoZkRneDBqWWdKeW1jenAyNTQ4RlRIeGtRZkFmRkppMW5wQlIxcVROVmUtMk1wU0VLRGFWUWdwOEltbGNLUUhPUUxieVFfa2xJTEMtUzdVMWNWWnZpTkFWQkZBQTdDdzFScm4tWFF1UUlmaHgwbWJUanhqRHU1ZVRneFRxNDZaa0E5elE?oc=5) · PennLive.com
- 2025-01-16 [John Borzell Obituary - Scranton, PA - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxQUTRQY3YxWXlocHhXaEVyNlFIems0WTMzQlQtS1VxUmo1NWdrUTcwVTR2NG4xcDZCLTBQZzBmR2NQckFHb1FvWGZqQVMweTA4MVlzbmRBb3ozUlRzakRYcXpDT05BcVN3U1lZMzBpQ3JscXdidElnbDc5bEVxbDRJMDNLWQ?oc=5) · Scranton Times-Tribune
- 2015-10-16 [Benefit for the family of Anne Gober set for Monday, Oct. 19 - Times Leader](https://news.google.com/rss/articles/CBMinwFBVV95cUxQakQydEpGVVBOQmYxWlMwYUVNZWJ2Q0IzcU54TnFXZE0tZEFrZVhib0NET1c0SVZXLTcybXRBa24wMDNJbl9yYjBOZ2REckhOOThDWXZEb2ozSTd5VS1MOTU3c2lzeU5QcHRxYUZVWl9JaXJZMFYwVEdfVm02NGw3bDFiVjB4eGtiOWJXeGFUZ1BDZXk1STVwcThfR0hyOG8?oc=5) · Times Leader
- 2015-07-30 [Anne Gober - The Rocket-Courier](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1rUWRNZm5CWDJNclRHdWNfVG9tU0hURXhfVE50UmR2UjM5LXJRLXZJaUNNcjZ2TDNwc1IwZVl6c3Y2U01EZE9QdjVPUk5RcVJjUmVUZ0puVURQU3JOOWhVTQ?oc=5) · The Rocket-Courier
- 2016-09-03 [Vigil pays tribute to strangling victim - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTVZYUlh4Z1k2WlViVGpGQklaVGt1dzd6WEdKRDlyYUZTMzBzRzUweFVib3lFVi1mMWV6ODg2TktFNGhjLTY3RHp0MEQ1MTVmelZtdV9sOTNzcjVZMXY4UkRyM1dTcFhEYU94UTZfT0ExV3Bzc0h6MUJ6Y1FPU1lTRWxGVUtlalFjMm5lQg?oc=5) · Scranton Times-Tribune
- 2016-09-03 [Family hosts vigil for man found strangled - The Citizens' Voice](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSlVsSV9lR1p1V2hIVFhpcUFMcFdBOGIyR1JlbFpaQjVVRm1uanpTMWxEVGdHbGhzTXRvYUJvdk5JczVQTmh0WHhiQURsbWlSdW1qWVlLSUcwcmRMcF9aU09wRjVwSzF5Smk5blg3eGpYUzVDODFGZGNwWFJrQlhMVDJTTHN0eFpCUERuUA?oc=5) · The Citizens' Voice
- 2016-09-01 [Joshua Rose Obituary (2016) - Luzerne, PA - Citizens Voice - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNLUEzNV9PSjNLWV82WVhWTVFsNzBmdFNkUTR3aDFENU9hZG5vdmFheDFiNDRuVkNZVEFUdjJSOTd2eVVvUFBFRW5jUkw0eUdOVTlJb1NiSkdSMV9sU3ZaN2ttak9mNTdiMXZUQUxJWFYtMmVSYXNjU08tVkRJRTRfVjRpdEpxYUxWUl9CNVZkXzVfUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21345 (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/33.json (key "21345", 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=21345
- 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