# B. BRAUN
ALLENTOWN, PA · NCUA charter 23725 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/b-braun-23725

Who the members are: federal charter, manufacturing (single sponsor), organized 1980. 881 members of 1,500 potential (58.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 4.

**Verdict on the desk:** this could be *auto monoline*. 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 | $2.1M |
| Members | 881 (3.5% YoY) |
| Full-time staff | 0 |
| Net worth | $475,481 |
| Net worth ratio | 22.8% (p82 of band) |
| ROA (annualized) | 2.35% (p96 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 20% (p6 of band) |
| Cash / assets | 78.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p32 of band) |
| Operating expense / assets | 1.09% (p2 of band) |
| Vehicles % of loans | 83% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,713 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $9,243 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | loan book shrinking |  |
| 2018-06 | 2 |  | loan book shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | loan book shrinking |  |
| 2019-12 | 1 |  | loan book shrinking |
| 2020-03 | 2 | loan book shrinking |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | members leaving | net worth falling |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 | net worth falling | loan book shrinking, margin squeeze |
| 2021-09 | 3 | loan book shrinking | net worth falling |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | members leaving | loan book shrinking |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | loan book shrinking | members leaving, charge-offs p90 |
| 2024-12 | 4 | members leaving |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | assets shrinking, members leaving |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | assets shrinking |

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

- 2026-03-23 [2026 Plan Sponsor of the Year Winners - plansponsor](https://news.google.com/rss/articles/CBMiV0FVX3lxTE41SGdTQlhiRTJWV3g2bVhBc2RsdjVvOWl4TkRUSTdhbERVY2Nab3U1WmdWNUxJRE4ybWI3ajFEWWlRdS1QWDhQRmtqZGM3RzFIZUxaX3JTbw?oc=5) · plansponsor
- 2023-10-24 [LVHN’s Nite Lites Benefits Lehigh Valley Heart and Vascular Institute With Masquerade Gala - Lehigh Valley Health Network](https://news.google.com/rss/articles/CBMirwFBVV95cUxOaEcxOU52Sjh2MGJJNDdISkNCOHprSDFneXlUOFAzUzRreWhvWlpOeVFNRTd4RERZbHpveGpNU20xeS1HQm0ycTNJRFNvUkF6RDhiY19sOXRXQWZzQ2hLclVJUVlpSlZSeDhLaUdiRVFmbVJQTk1wZWZmeDZBQ0NhenhITkN2by1SOXctWjJtN2tLaFp2MzhDLW5UanAxZFgtYW55RjB2cVdma2Q1eUU0?oc=5) · Lehigh Valley Health Network
- 2019-10-08 [B Braun buys Lehigh land for new headquarters - WFMZ.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQZ0dZTXhVN1FuaFBlSGM3VV9Pc3NlNzVFN1Zsc2hHMjNRSjc1el9CNzNrZlB0cVg2Ny10M1lUUkp3SDFIeXBaN0VOQWVhTDRqWWs4QVpNSVQ2eVZiMnpMM1NRa0xFc09TeWdoMk9ZVWxkZFRvc19kUmp0WnlwV18yZHBMQ2xRdEJiRHZCbWx5NU52dmd5YkVjNF9CQzFBVTlFTmx4c1MyZGV2cnNJMkpiYWx1THJuMzFMY2k0LTlNZG5hUm8?oc=5) · WFMZ.com
- 2024-05-28 [Thomas Glass Obituary - Northampton, PA - The Morning Call](https://news.google.com/rss/articles/CBMibkFVX3lxTE50WEhBMC0wOHNvWFFhTVFtdGZ6WUR1NVg1VFhEWHdjQ0szamd3SmpmVVFtbWJJYXhoSUp1d2NKZ0R6NVhjRkkxdHB6cFE5UndwZ2tKejhXd3QtdDZXWmFFZGFhTERWMUE5WVV4SVFB?oc=5) · The Morning Call
- 2024-03-25 [Meet the 2024 Lehigh Valley Business’ Power 100 - Lehigh Valley Business](https://news.google.com/rss/articles/CBMicEFVX3lxTFBkYTAzanA3YnhkSUJmYTRaZkVJSXVzU1l1V2hpMlJrajM1bXZ1dGpZMjVoeHA3WUQzeERrRWtmbFgtNDlwR3YtNGN2OHAtS0NLbFZUaEsxUXlaUW1mTFdDZTBfb0JySHB6Z21mNl9JSlk?oc=5) · Lehigh Valley Business
- 2026-02-26 [IronPigs Announce 2026 Promotions - The Valley Ledger](https://news.google.com/rss/articles/CBMiTkFVX3lxTFB2bHJXZXRBWmZtTGZLSXZQYm9mY3lrbzJ4SUU1M1JxVW0tenA2Ykp6N3l6T0hRbUJ2T2I1RXNNYkIwcVNqUFluY0R5RGhjZw?oc=5) · The Valley Ledger
- 2018-12-20 [First Commonwealth to build headquarters next to Movie Tavern in Lower Macungie - The Morning Call](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMzctME5iYzFMb0FFNndmNjhWRWdxVUZTZkJieVNsN2NrVFptaTBSaXRmbjZrLVlQTkV6eUFJMEJ4SHF6b2ZMUzVTU0U5ZHRWQ2tYNWFVUDJYV2owczhEbVZRSjYzaFNBcWs4azBROGZIRF91eE1SdHZhQXpoYTVteFlMQjNOVExQMjlKZzF4cFRaMWVlT1hUa1FCRnpHUFJEaXlaQTdDYk05bUowOXB4MXZzTQ?oc=5) · The Morning Call

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23725 (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/45.json (key "23725", 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=23725
- 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