# BLUE CHIP
Harrisburg, PA · NCUA charter 24385 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/blue-chip-24385

Who the members are: federal charter, multiple common bond, organized 1948. 4,032 members of 6,000 potential (67.2% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $44.1M |
| Members | 4,032 (1.9% YoY) |
| Full-time staff | 12 |
| Net worth | $5.6M |
| Net worth ratio | 12.8% (p39 of band) |
| ROA (annualized) | 0.37% (p35 of band) |
| Total delinquency | 0.05% (p21 of band) |
| Net charge-offs (annualized) | 0.86% (p82 of band) |
| Loans / shares | 62% (p53 of band) |
| Cash / assets | 42.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.71% (p77 of band) |
| Operating expense / assets | 4.95% (p79 of band) |
| Vehicles % of loans | 60% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 68% (p95 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.93% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 11% |
| Average share balance | $5,799 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,664 |
| Loans granted, annualized | $9.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | delinquency 2x band, delinquency rising | members leaving |
| 2017-09 | 3 | net worth falling |  |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 1 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 2 | delinquency 2x band, repo signal |  |
| 2019-09 | 0 |  | delinquency 2x band, repo signal |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 3 | net worth falling, delinquency rising, repo signal | charge-offs p90 |
| 2020-06 | 1 |  | delinquency rising, repo signal |
| 2020-09 | 3 | losing money, margin squeeze |  |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 1 | losing money | margin squeeze, members leaving |
| 2022-06 | 1 | net worth falling | losing money |
| 2022-09 | 1 | delinquency rising | net worth falling |
| 2022-12 | 1 | members leaving | delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | assets shrinking, delinquency rising |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 0 |  | members leaving |

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

- 2026-01-06 [Mary Wilsbach Obituary (2026) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRzU1NXJlTWxteG9CTDBfaV9fdkgyVEtZSmJIWDlUOGJpRlFUZV9RM0hicVJ4ZUVxd1ZSSDlVVjVmUHlzTW1VMVZ6TW81T2FJOHJ1NkU4WkQ1REdLay1NWGJubWktaXJJWWctb2VpbjVaWEszcjFORHp0SXN6OGF2MVpvQ0NfNHJXSFpTQlZtNkZkU0U?oc=5) · PennLive.com
- 2022-02-16 [Three Credit Unions Name New CEOs - cutoday.info](https://news.google.com/rss/articles/CBMie0FVX3lxTE9FNWtrT2tlWGMxV1JRQ2w1Y3pPT3JQSFhCYjBHWVlUZ2E0T0FqOXJRZDVVbnlENXhWbjE3SXJQVzd0VzVqWXo4eEYyakhlRWdjbHlsRk1nNTVpM21hWlUwdVBsMXpEVm40Ml9jb2c0cDVUU05sQy11QVB4cw?oc=5) · cutoday.info
- 2021-04-16 [Mary Lynn Tylenda Obituary Apr 16, 2021 - Parthemore Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9DVkdkWjkzVUlZUUEtQ1RfcmVTVlgyUURJbkFVMVNQSTBrYUs0WEJTMlhINlp2TE5kb1BwSFZ4MlZVS0VWNU5QNzNoQ3kydi0zd0NZR1JZdjNyQ09JQUQ0S3dfWHYydw?oc=5) · Parthemore Funeral Home &amp; Cremation Services
- 2011-05-26 [Polish & Slavic Federal Credit Union Welcomes New CEO - PR Newswire](https://news.google.com/rss/articles/CBMirAFBVV95cUxPOG5YM3V3d3paNDdJbEoySVVfSkJQeTQ3WU5yZXltbFBQcWw1dWxQUHIydzJIa0hsZWQxdS1VdTZkYmNVQV8zZU1JeExrVVB2S09VMnV4TTdzNjFIbXpDWnZlWHJaOUlPLVc4VGc3Y25OWmgzVjdseXZ4MWY1YTcybTFEUWUySXpsWGpLSUpyd3ZaTHdaQUZiR1piakl3bnlYSE44cW9FMnMwdGM5?oc=5) · PR Newswire
- 2019-02-28 [Camp Hill man allegedly stole money orders from workplace, deposited them into bank - fox43.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxPOFZubUlvd0hhWVF0YzI0SHhWZnl0WHpvU2YwM3dPd2w5STBQeWxVT3B2MXVyNl9SdmVnazFlMEJRazIwVnlvMEU4MV91cnA1dllQQ2FTcXpMSUFtNFQ3alE4RlNwcTlpTHN1Xzg5MjBKRnNScFppamVCd1oyU2R6UlJBWmtzUm8xN2hhTTNDTnVLNzBUanFWUmRVYmlmd1lkTEN3RV9TV2xLbjhBMnRPcUxNRlE2YjRGX1FKR1dpMm5MSGZUa2pCRnRFa0YyTllQRTU3aHVoYTdqMGpsbXVScnV5U1lmR19QSXVDakt1MS1TTVA2WXF1XzVoMnd2ZHBTcS1v?oc=5) · fox43.com
- 2023-09-28 [Best Blue Chip Stocks Right Now • Updated Daily - Benzinga](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1zZDNYNUpFMmtRVmhnNko1WnFwZVdTdVkxYWp2OU03d2lITHRsc0dqYmktVGZvRGpNU0NwOTVFODF0YkhHSkVJLTNuRFVKeFlMYzAtNlNzQ2k4RzJfYURkVVdR?oc=5) · Benzinga
- 2021-10-04 [JoAnne Balistrere Obituary (2005) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQU1RtSERJQzRTTTNlWkdvUDFOLVUweFRvaWswU1RGekRaeUJTXzh6Y2s3ZmtNeTJ4dTRsQXIxMWdZMGNzcDE4UUpkM1NiOWhSaGk1eWdCb01FSEgxN2pDLWdudllfVE9jVFJ2bGRQSjUyek9oSmxYRUUtbEdDVERKUHplWUttMWdoX1g3bEZSN3JzRU1pRzhBYQ?oc=5) · PennLive.com
- 2021-10-18 [Myrna Schaefer Obituary (2015) - Hughestown, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMkYwWkU4OHFQOEJWR3l5VnRuaHl1R1hpQjlpcm5fUEd5RXFuNHRhSFJOY3h3SG1PN0hyT09vVllrT05lUzB6eDJTdE9kOF81TmpYM3c4UDRpX2JYQkF3empVa013MjRRYk5RSVhPMkc3cHc4WGM3Z1FDUHl1cS1BNW42LVN1SUJDRFdKYXhxejFVNE0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24385 (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/1.json (key "24385", 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=24385
- 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