# KEYSTONE
West Chester, PA · NCUA charter 24562 · asset band $50-100M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/keystone-24562

Who the members are: federal charter, multiple common bond, organized 1939. 7,135 members of 60,194 potential (11.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76.2M |
| Members | 7,135 (– YoY) |
| Full-time staff | 19 |
| Net worth | $5.2M |
| Net worth ratio | 6.8% (p1 of band) |
| ROA (annualized) | -0.86% (p2 of band) |
| Total delinquency | 3.69% (p98 of band) |
| Net charge-offs (annualized) | 0.24% (p42 of band) |
| Loans / shares | 39% (p11 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p21 of band) |
| Operating expense / assets | 4.02% (p65 of band) |
| Vehicles % of loans | 16% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 168% |
| Third-party paper % of net worth | 145% (p85 of band) |
| Vehicle delinquency | 0.28% (p29 of band) |
| Vehicle NCO | 0.07% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 10% |
| Average share balance | $5,837 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $9,258 |
| Loans granted, annualized | $3.3M |

## 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`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 6 | capital below 7% |  |

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

- 2026-05-18 [$59 billion State Employees’ Credit Union signs with Corelation, selecting the KeyStone core to enhance its member service experience - CUInsight](https://news.google.com/rss/articles/CBMigAJBVV95cUxOYVdreEQwYUZQZ0dneGlyUGxxdUFyakE2d1VNMktJQkhoTGdLVVcwMUhOTExtdnNXTTg0Q2dOOE9QckJSMlY3SjMzckhVUXFQdmRYekxWbXJQTDFveXptaU16VnVSanRZWk9feEhnVHNyTmdQS2FBUkgyTkRscEFpNllJQU5WZVIzd3VjRklldmgzSHV6NzJSRGU2VWpvUUVmZ3h5R0tzZ1ZXUjFUTzI5V0JVTVdpNWNZNHg5Q0xNVlBNOUZLR2RLc2NFMTc3SlJXQnlYdFhGMUpNVlYxb1hvd0xPcVZhMDZyUU9iNTJTWW43Y2ZoOFdWek1ubEJBbTJB?oc=5) · CUInsight
- 2026-06-04 [California judge dismisses Pennsylvania credit union from identity theft case - Courthouse News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOazJLdk9vV0RER3J6YjJseWg0UzU1R1FSUExLU2hDcHZwNG9oSnZmZ2UxR1BDNmx1VWdGSGZuU0xqb2FfaUQ3aEZyal8zOG8tcG1tamVxWnNhUFNNVXAzeFAwZ1BqMXV1ODBfM0hIcHJpcGdRcVA2ZGNEdTBrd2NaSk9rTVVCX1NYaVdRc0cwNXd0T0pCV3lmSEhGV2wwUWJGUzgwa1pEeFU?oc=5) · Courthouse News
- 2026-05-07 [Pennsylvania Treasury Partners With Fund My Future PGH To Boost Education Savings - Franklin County Free Press](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQnJzYk5GTWdWRUVjRWh3Q3FHTlVVLUdkRks4V1RLelpRT2lzWV9acXZXWDRRWVd2YlFERDNSQ0xZbUIwREc1R1otREtlY2RSOGEtbkdySmdBTjFkdlFsSWY1cURrTTFIX2F5N0t2U21RWGVjZVpYVDRsaXFBb2szSlNxWjJhSWljUUJPOGd3UVBPa0ZRUG9Oalh5ZHFON2VuVUNLRlRZLUR1N3Na?oc=5) · Franklin County Free Press
- 2025-03-26 [Utah’s Mountain America Credit Union taps Corelation for KeyStone core - fintechfutures.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPbkk1QkpuTFB1Skdudl9UcGlWNHdaS3NOU2xSLWxEMjNDdXRfbVBJajVkcl91NjNmNzU2Nm5xNW1VQ0sweEt3S0VlTVFXdTRuX0UteUxORXk3N3V3ZU9FT0lYQXlmUWxMNWg0TF9OUUNrSlRsNVRvNlBTUjlsN3JNeFR3MGJVQ3RUNk52ejRCVjU2cG1BQ3dybk1sVHVJcmpZLUJSRDloMy01YktBRENtNEE0TmkyWm1nQTBKSWhzQWtzbDd3WVFOQWpZTmpSa3M?oc=5) · fintechfutures.com
- 2024-04-03 [CULA boosts Keystone State coverage through new relationship with Citadel Credit Union - Auto Remarketing](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTHlveW0za09VZDlBQ1pVRWZJRk5JTEQzZTlBVzgwVEpjZ0ROTk9ncF9lb0Y3ZE9rODZJSFdXQ29EX2RFelBTdGMzbGR5LVRiNlg3ZlRCUlNQc0d4TkhIQ3pLb3NKa0hGclI3Tlg4U3JNMDBTTFZnYWJ4cWhMLXRGenpGcGFONkhieHdpb2UyYVE3ejdLdjZWOEFWLS03NE9EQUIwcmpNWXhiN1Y3VkU1QUtka1RrYTZVVkh4blpHWDh1NTVyWGRMWW1laVBIZTg?oc=5) · Auto Remarketing
- 2017-08-11 [PSECU ELEVATES PARTNERSHIP WITH PENN STATE ATHLETICS TO KEYSTONE LEVEL - Learfield](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRExHbGhscFNmOS1LeTFpNDZ3VUlrRmlwUjZMYzhkWUFya3FxM1ozbXpZOVd0T2pLRW1PN0NVZlhMX1A0V3VsZ0RVRVBFN1VLRWhhZURYQXBYR0lZOFo5dHlRWXJYSzc5ZVlRMW9ueFpkRlQ5b2VIMnhtbVU3Rk1FQXcwQVlfd2pudWxUYk5UUnVXTjVXdDFfV1R3cE1tQkhxcFc1cXl5cHA?oc=5) · Learfield
- 2020-01-23 [Philadelphia Union Announces New Partnership With Ardent Credit Union - Philadelphia Union](https://news.google.com/rss/articles/CBMipgFBVV95cUxQU0lnaEN1aDJqOU56d255ZzF2bnJxX3BiVFE0RlNyeVM4Sk0yQmJQZGdlc0ZFNTNneUtER1RWeHVpaWgxRVluQ3BuZ3lsYnEwemxfYWhNcjRJa2h0UUZXS3lGbkFtT01QSHBWbF9TcUxWVGR0aDBQbk5OY05KbkNJeFFjZk1wRmN0YVJyZHNzY3dsVm9ydkVPTVRMWUtpekNQNkZsUFl3?oc=5) · Philadelphia Union
- 2014-12-05 [Keystone State Emerges as Rising Clean Energy Leader - The Pew Charitable Trusts](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVE4wU1ZIWXZfMHBDNzgtcjVDV2dQYlRsajR3R2piaThJR0xDNWVMdGxwajVZUzJkUGpKaVRxT1kxNk41OUpoTTU3QkxMeFVRVXVnVXVKWFJnMk5MX1N5QTVrZld5c3Z4ZGNUcy15MG9mYWlnUXNyZTFvMGR0aGFVMWozOWRyandma3FDbjhvZlBCSlRDNE90WTd3YWE5RkgwSVVjcHg2UWQ5NjkzNzBkMXpXbjkwQmRR?oc=5) · The Pew Charitable Trusts

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24562 (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/50.json (key "24562", 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=24562
- 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