# C. B. C.
PHILADELPHIA, PA · NCUA charter 22312 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/c-b-c-22312

Who the members are: federal charter, associational, organized 1976, low-income designated. 275 members of 350 potential (78.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1 |
| Members | 275 (– YoY) |
| Full-time staff | 0 |
| Net worth | $1 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | 0.00% (p27 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 3 | thin capital |  |
| 2016-09 | 3 | net worth falling | delinquency 2x band |
| 2016-12 | 0 |  | losing money, thin capital, net worth falling |

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

- 2023-08-27 [Best Credit Unions to Work For 2023, ranked 36-70 - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOUVQWUxTdGQ0bmdxdE9DUGRNSTFuRW13TW5hSlg3TzBsU3FsYjBVVlEyNmV4dFlFZnRoVXJIcjZ0dnc5ak5hTWZNQ3JfQlpWVnBpc0ZjT0FjMHp4NENpM2VjM0NQMEhqeHJVbFUxQUMxMDBIc0Jvbk1XVkozcDdvWjVGMW1NLWNRWVVQYnNGeV9TUQ?oc=5) · American Banker
- 2025-08-29 [Where to Find the Most Affordable Credit Card Options in Pennsylvania - TheBurg](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPYkFmMWZIOTE1X0ZESzcxN1M1OERNVzVPNGhyYTdOMnpkMTVlY0pta01XaDhUekhsei1XdF85emMwUmxnQ2N6czNRVGNfd1NvSWNqeWpMVy10V2k5WVRBYUl1NFA5dWZScW1DeEhiX25OcXl3VHMyRWkwb0dHOTdMVVk5X0kySnNSTXFONFg3VW5RRWlOcG9sQzA0X0RwQlFNejB1elZ3ZXFvSnh6T0N0cEJENlBtdWpP?oc=5) · TheBurg
- 2025-12-02 [Greater Vancouver looks set for lowest year of housing sales this century - CBC](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeXoxZ1FjWlpWMUkwYXJOS0Vsc3djTl95SVdDb0R3bDgybm43enVwUEhWZU13YldCSEJPQy0wbnMxRW4yYlFjdjJMeEFQSW5EOUtnX2hGaDItN0JqVHJQSWhWNlhJaGFrVEhld1NFLWx2U2QwNjBQY3k1U0tfZVV0R2c2MDNJc25wMFZYSF9kZ3ZQVTBLenJ3S3A2cGY?oc=5) · CBC
- 2022-08-30 [Best Credit Unions to Work For 2022 - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcm9zTEJkQ0FYOHVjRENIMDBVQ241cnE3MG9Ha0Z2NDFyVXRQRDZPd0t5RUk1aENLTWNzTHBtY3R0dTdhRUw0UTROU2ZDcU5sa0NrTHdzUzZhSW1zRlpnQlAtdGhZalctYlktZTFrRlUyZXFsLUFQTVNpWDlucFlJZDBsdUx0UkVKcXBJLQ?oc=5) · American Banker
- 2024-08-25 [Best Credit Unions to Work For 2024, ranked 36-70 - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxONnYzbzc0N2YzamdpM3ZvRXJuYlhDbDlBajdUeVBzUV9XWHRRblJ3RzNsRmtFbExxY0lZNUZJZHZSMC0tajVzSmdwM0dMOHlzelEwQXY5bDJjOVFFR2Z4YzNvNzNrTWVJWnI4Z3ZhYlBUWTZKaUtTVmJuemZLc3dCN2JDYXlHaUMxUkhhRjZvT3k4QU5ibTI4?oc=5) · American Banker
- 2024-02-13 [Neil Young announces new tour and album with Crazy Horse - CBC](https://news.google.com/rss/articles/CBMidkFVX3lxTE9iOG1vYzhfaktqTE1PV2hraXlrTkR3XzMtcEs2b3h3VWtWeW10MEpqcVJybFZvOExyR0hqcjIxbWZ0NkZEcWd2c2tEeUgwNXJoWExSeGdEdVg1QVZ2bElMTEdETnhEaWNpSHY4UXQzQjl2WUloN2c?oc=5) · CBC
- 2009-02-05 [Frank Cingrani Obituary (2009) - Redding, CA - Redding Record Searchlight - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcGRubDFMakIxa0FKSEVUR05tZkNUc0tPamd2cTBxQ1R2NW5pX01aeGk2alM2aXlWY0dndW50WW95ZWg2a3E5cjdKUFlvdDVPd2dzTnVYUXo1V1dOOHlfbnllMy14elZFdURhOGtyd2dlbUtQSGNwM05NVE9KT1dmM3VyZUI3Vzh3ZXctQVdB?oc=5) · Legacy obituary
- 2026-06-11 [Chinese firm buys Palliser Furniture months after Winnipeg company complains of unfair Asian trade practices - CBC](https://news.google.com/rss/articles/CBMifkFVX3lxTE9peFJqbzI4YnhuRGhRQ0FKUThLcHZBN1pYdFVySjVsLTZtYXVQNnpLd3VPQUtFZnRPekpvbHhlYXZwVy1aQmEzR2VXVW1oMnMycmROYVM5a2Y5Wnc0WGFXMnFxeEtnUXF1T0pLakViMUt3YjI0dDZhajVZOVk0Zw?oc=5) · CBC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22312 (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/40.json (key "22312", 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=22312
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide