# MC
Danville, PA · NCUA charter 24929 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mc-24929

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 13,794 members of 70,712 potential (19.5% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $249.7M |
| Members | 13,794 (2.8% YoY) |
| Full-time staff | 42 |
| Net worth | $29.8M |
| Net worth ratio | 11.9% (p60 of band) |
| ROA (annualized) | 1.55% (p92 of band) |
| Total delinquency | 1.62% (p93 of band) |
| Net charge-offs (annualized) | 0.46% (p57 of band) |
| Loans / shares | 78% (p59 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p54 of band) |
| Operating expense / assets | 2.55% (p14 of band) |
| Vehicles % of loans | 21% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 88% (p53 of band) |
| Vehicle delinquency | 2.13% (p94 of band) |
| Vehicle NCO | 0.56% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 31% |
| Average share balance | $7,988 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.0M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $22,793 |
| Loans granted, annualized | $50.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.0M outstanding purchased (36.8% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-09 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 4 | delinquency rising, assets shrinking |  |
| 2023-12 | 2 |  | delinquency rising, assets shrinking |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 0 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2025-03 | 1 | delinquency 2x band |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2026-04-16 [Susquehanna Valley United Way opens Wee Read children’s book drive - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQUJoYTd6ZGJnWWtNRTJ4QjBYdW1fV2RrSmpWYk5Zbk5EYnVXVktGY1JWSmR5WEdkcUI5b1ZGNnQ4NURDY1JPWlEyVmM5OFJXWmJnMDNwRG50cHFuRWxrSTQxNmhjSlZQLU0xMENaQXZrRWpBTy1wNmJicGJBejFhV1kxMzBKdFFnbUJEYktReE01UFFvWEVzVWY4dzhvWXUwWDhvdlpLNGZ6UVpDdm9Zcm1KTGNvV29yeVpRNFRwMWFNUnRwUm9pNy0tWVJGS0ZiZW5LLTBsc2ZaV2ZEek5pdVhSMEZBUnM?oc=5) · NorthcentralPA.com
- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2026-02-03 [Tim McGraw Books 2026 Summer Tour - Exclaim!](https://news.google.com/rss/articles/CBMidkFVX3lxTE44RktONjVZUm5DUUxHd3d1ZWVic3lGWFZDOEJxSXdtcGV5TEZjc0sxamFYTno4clQ1Rkl6YTVSMTIyZkt1ZlEwXzZTX2FwUDlaUVlKbWNYTUZYd2pyQ3NiVzBDcnhkdW0wTkxmdV81MFkxUUN4S2c?oc=5) · Exclaim!
- 2014-04-02 [M-C Federal Credit Union to celebrate 60th by giving back to community groups - The Daily Item](https://news.google.com/rss/articles/CBMihwJBVV95cUxOVmNpcV9RMGplcnJmVUJLeU5WZWtSQUExUlJ5aVVLUFdleXVrVF9veE13UFVITTdwanlaNXBINXd6cEZrTlg1WXg3anp3alQ2X2Q5bFlCMndVdGcwVTd3bThMSFJCdG50UGllQnFTcEtEYWg0ZjBtT291amYwTHdfbkpocDAxcWRRV3I0VGQyTko2TkdsRWozYlRHUk5ZY2tKY0VkaEZTTEFiM1hyUW5FaDZ3YVhLY1RQZEI4MXc3NEE4LUxYLVlfbWRjSW9udXdBbHNDTHBhWV9LMVFEeFI4OGw2WDlPb1V4WHQyMFM1LWVISERoUmM1M2VZQktRY29zenItQ1lrbw?oc=5) · The Daily Item
- 2024-04-26 [Rose Williams - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMiaEFVX3lxTE15MFlrcF81TXdBRzF2VUZUTFMyX2FCU0Jta2JXWC11M1BPaW5OVy1ZSU9qWTBGS3htM3JuWW1iX2huYjZZQlR3WW5HemJudmhobWQ4NWcyTmV5b1d0bDRxbmlWZUtaVlZu?oc=5) · Pennsylvania Business Central
- 2015-10-17 [Cheryl Ann (Williams) Walter Obituary Oct 17, 2015 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMic0FVX3lxTE9oR2ZJYlQyUkFOMmg3S2RVcGN0Sy1PcHdPNURpR1pvOXZvd0FmVWNzUzZzWFFjWFNacTZKQWFVME1CN3dCWTBQZkRkeU4tbDBiUlI4a0p3UndZMjU3SDE4aEdsQmU1dkcxcG1GYi04N2E0Nk0?oc=5) · Heffner Crematory & Funeral Chapels
- 2014-04-05 [Mourning Three Young Brothers Killed in a Fire - WNEP](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPMzE3WDZBa0JoMWtyWXZaa2p6QmlvazFwZEFmc09yUW1vdjZEX0p2dVFwUEc0S0tiekk5RlcyUl9UUVJyVTFESWNuX3U3MVRwOU9nWGtCTXlsUGRXaG81Wko5RUFQX0pXSVd0WE5rT0dMRnBVdEVUb3RaaVZkcjRXWm5CMnFFVmdJYk82STgwMWkySjhhdE5USksyaEluNG4wZ0p5UHJ6STVHNU9XSmt0Vmc5d3NDdVZPNjlXWVBhbjgxNDJnSV9NOWQ4a2l2UXd1UmNGeXJPaDV4QW16NWc?oc=5) · WNEP
- 2025-12-14 [Students experience financial reality with help from local credit union - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPendWZHA4aWpzbEFIai1VS1hMc0x4Snpmc1VqWnc5dXh0SjRtLUpfRElpWTVzTC0yZXg3dkp1UDJvaWx0SlNJaUgxQTM5bFc1SUNVM003UWdRQUI1RjFnNnU0RkZOekRrMnVGeURDWEcxWUZJdzdjM2F0U2I2QURtSFdJZ2cyRTZJelRjSTBLbkhDRDN2TjFKOVhPVmdobXF5NkNodG9JVFkzZzZnTWU0UGxqY3QxZ1F5VzdrTDBFRW56cXExSFB0b0EzSlRFVzZCTG9LMmh4bkdIbUpBbXpBTklpLWtTUmhVcUl1QURNT1o5ckVT?oc=5) · NorthcentralPA.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24929 (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/33.json (key "24929", 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=24929
- 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