# PEOPLE'S CHOICE
DURYEA, PA · NCUA charter 22534 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/people-s-choice-22534

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 1,103 members of 2,000 potential (55.1% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 50.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.9M |
| Members | 1,103 (-7.8% YoY) |
| Full-time staff | 3 |
| Net worth | $277,260 |
| Net worth ratio | 4.7% (p0 of band) |
| ROA (annualized) | -0.44% (p10 of band) |
| Total delinquency | 2.51% (p82 of band) |
| Net charge-offs (annualized) | 0.87% (p82 of band) |
| Loans / shares | 71% (p62 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p59 of band) |
| Operating expense / assets | 5.51% (p88 of band) |
| Vehicles % of loans | 50% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.22% (p70 of band) |
| Vehicle NCO | 0.77% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 5% |
| Average share balance | $3,497 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $7,242 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 6 | repo signal |  |
| 2016-09 | 8 | net worth falling, charge-offs p90 |  |
| 2016-12 | 5 |  | repo signal, net worth falling, charge-offs p90 |
| 2017-03 | 9 | charge-offs p90, repo signal, assets shrinking, members leaving |  |
| 2017-06 | 8 |  | repo signal |
| 2017-09 | 7 |  | members leaving |
| 2017-12 | 7 | members leaving | delinquency 2x band |
| 2018-03 | 6 | delinquency 2x band | losing money, charge-offs p90 |
| 2018-06 | 5 |  | delinquency 2x band |
| 2018-09 | 6 | delinquency 2x band |  |
| 2018-12 | 4 |  | members leaving, delinquency 2x band |
| 2019-03 | 6 | losing money, delinquency 2x band, delinquency rising | assets shrinking |
| 2019-06 | 7 | members leaving |  |
| 2019-09 | 7 |  |  |

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

- 2026-07-24 [Antique & Classic Car Show Rolls Into Newtown: Here Are The Details - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPZTFBSXlnY0hudmVFcnAwRWdtWndOZVJNdWY1cnYtbHBYb1hzblBwdW5JS1NOUVNvRzl5Tmptc0g3d0hqM1VadWlfdHFHZF9TWVR2bDdVN3JweUg5QVRUWldnQlBULXUyX19UTjh1elJ0a2ZLVUZmMVVuZTdfMU83dGU1YkppbHJVV19oNmlpaTNQU2JvaGVpazdwTmdkWnlGUmFxcnlZT2w?oc=5) · Patch
- 2026-07-28 [1970 Dodge Charger Wins Best Of Show At Newtown Antique & Classic Car Show - Patch](https://news.google.com/rss/articles/CBMirAFBVV95cUxQRm1CZUFSS0g5bkVhWkRySk11aDJZYkVLd3M1VW9PakJRTm5pbEdxRC1JY0tva3Mxc3Z0S3NmNTBNeXVHZm45ai1DeVlyOE1nWVR2UnlXQW1KNnprRy1INF9PWmcyOWphMUFDSTFNUXNsSjBwcG93T2NNdjhTUVNOTF9YQnZRSUE3U29qTk95TnFOdEs5WVBrTEFUdmdLM2dCdHU5TVExTWFhaloz?oc=5) · Patch
- 2026-09-10 [PHOTO GALLERY: The People's Choice 2026 - The News-Gazette](https://news.google.com/rss/articles/CBMiygFBVV95cUxOQ3V2YjN0a2lYZDdBTjVCZDdqRExzaU9mSFhkbE9EQXQ4dUpuM1FmcmFNZ2cycVVFNEdHVk9HcUhKSXBCeEFlZzZUT0NMdS1HYXRVZHpfdVFRd2dIMUI1Y0Vfd2ljNTUtb3hjdXY1VmVIRkpuVlBXWDVWcUJsdVBSNTBwTHdLOVM3QUZmb0pWMXN6aDNIdVRhRGRaZEVBRVE5M1NGR1NkMzdtaTZib19YM2x1NXZwdXpBWGl1U3VSWGxoMmJCZF81c25R?oc=5) · The News-Gazette
- 2025-12-17 [Financial regulators letting consumers down - Money Management](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVlpRSWd1ajJDNF9FeHAtQTllSWhVajJHakNqTGdBTjZnanQxRlJ3ODlXc3FlMFljLUdoQjUwdUNpWHVvTnFKc0t0eF9vM2I5ZGxxU0w3VVp4UjF6dTRIV3JlcTE4aUlTOEJXZUtwODhMaVR0alFzVkR2SG1FbWdFWnFLQ1hZdw?oc=5) · Money Management
- 2022-07-07 [What’s new in 2022? Here are some firsts as Arts Fest returns to downtown State College - Centre Daily Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTWZESjhTSjViYTYzcHQ1cHB4em8xVWVOQVZlelptMmdTbkxzdm9lSFlxVXg1T19uVG1xNER0Sm56SWRIUUk3a3FJNmlsUElaY09DaHRmVjZxa3dHbjdmR0FVWHk4bDZrMmttODdveHEyVHViUWdNelpoeGRkTkptRVhFU2RzdnNQQTN1R9IBjAFBVV95cUxNN0ZiUFpBVkxyclA4OURnYU0yUGpzYnduZW1MX0RUUGU2Mzl3TWtYbEZ2SmZkUE9fTTJzYmdSVkhKZTN0RlM3VVgzN0NMZUozMVFTelN3b0JiY2dxSTF2ZXJmN1Zhb1pJN1M3VXI5Wk9KLXJHMGNJS2lLWW83ZEN6ZElhcmdsWFBINzlDbw?oc=5) · Centre Daily Times
- 2023-07-10 [Arize Federal Credit Union to Build New Location in College Township - StateCollege.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOaDIwZ0RQa3ZnVFNJN0NNWk5nSnk4LVYwSGIwemd1LWdlMGVEN0RCMFNaZXoyUEVYRmZxNEstMEFUUDBBTzM0czdHVEpkMzY2dXlIRUFNeTJNTUZ5bVZ1ZXBQd1hzTUs4cUl6Ti01RExZZkstR0xtSEdXdXFCYnJzYXV5SzJqUUZqeF9xZnh4ZVpqNFMzY1BqY0pFS3NwTHk4MW5JakVFa0VNeEozWHdDMUczTE56ZWM?oc=5) · StateCollege.com
- 2025-09-05 [Our Pick Of The Best Home Loan Rates - Forbes](https://news.google.com/rss/articles/CBMidEFVX3lxTE1wMU12ZS1STmZpdG1ZcXhTOFJuVF93RTAtMWk1UkhBc3BtOC1CakVnY1VBT25KNjkxMjV1anNYZEo3SUNyNFRVR1FsS0xSV0FkTVdlWmxicnVUaGZsVHpXUkRuQXFuT2V3alRnVUVFNXVFdHJk?oc=5) · Forbes
- 2026-05-14 [Salvation Army honors volunteers at annual luncheon - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMiowFBVV95cUxOY1lheDZobk1HczQybExnVTBUTndhVVdVNUVaSW5SUXY5a19ydm14bVNHRWxETWFtU010YkN0X1BSX3hOR1lCN1NCanlROWJJOXY2VTJBVGdqa1Z0N0lRMV9KNVlOdnJBcndPeTFUNTNjLV83V0V5UzQwTE83T3ROenFrOERJN0RNR3I4Q0ZHbjlpbEphSFNSZVV0MGRfUThfc0V3?oc=5) · Williamsport Sun-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22534 (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/6.json (key "22534", 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=22534
- 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