# MOONLIGHT
Worthington, PA · NCUA charter 24978 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/moonlight-24978

Who the members are: federal charter, community charter, organized 1947. 3,883 members of 65,558 potential (5.9% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $53.4M |
| Members | 3,883 (– YoY) |
| Full-time staff | 10 |
| Net worth | $9.4M |
| Net worth ratio | 17.7% (p84 of band) |
| ROA (annualized) | 2.15% (p96 of band) |
| Total delinquency | 0.06% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 85% (p90 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.14% (p76 of band) |
| Operating expense / assets | 2.47% (p14 of band) |
| Vehicles % of loans | 56% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 117% (p87 of band) |
| Vehicle delinquency | 0.10% (p16 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 7% |
| Average share balance | $6,698 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,906 |
| Loans granted, annualized | $16.8M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-09 | 1 | 3rd-party paper>100% NW |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2019-10-12 [Thousands turn out for 35th Moonlight Run & Walk - Palo Alto Online](https://news.google.com/rss/articles/CBMirAFBVV95cUxQN3hBMGkxWlFMZTBLRHpFd0EzaU42THNsZzJiNU1BVnZlVWFNX1NGa3I5d3lVTHVkX1hEVGhFd2s2aTdxU1dEV0hxTWVTLXc2RG1aS0xHal9QOVVOc3lEcTBrVkxGM0hhNFUwQ3BhMzlKZWxRWHhyUTJHekNVcWhXbS1DYjlreks5ZXlZVmFuTGNJMFVqS0NaOE9QVGdDRzQ2M1V2MlRiQi1lemdQ?oc=5) · Palo Alto Online
- 2012-05-11 [Michelle Smith Obituary (2012) - Worthington, PA - Advance Leader - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNN0VJX243dkRIYWJ1VWJYUzZFRGxxdE9PSjNvWktYVTFTMEctQUl5Q2dUdFpROW9ZYkNvWHltUy1rc1Z2VEpWLTJTYTMtb05GcmVZdnRkQWs3cF91YzhPUlAzU1E3S3R5Zkt3YjV1N29KcHdFYXIySGI5blBSbV9DaVI3NnM1VVV5VnlJMlhpa2RkaU9sYnFjVXB1VFV5a1hoS0Vn?oc=5) · legacy.com
- 2023-09-22 [Palo Alto Weekly Moonlight Run & Walk race night guide - Palo Alto Online](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZksyTDltODBVZ3I2X1piWHZ1N2QzMUpGTDlDTmJIeTg2aHB0S1dkNXlib1RwSzl4aDhFMXN6RlpPMEY4UjJzbllZcDJiM1ZSaUpuWnozd1VzVDB1NDB1emY3RFV1RG45UWk0OVJlVkhmc1JqU212SEdpZkhhTkdobFpibFFpX3hfTk92bmZQbU1MbllsODNLNktIaVlCVi10WEE?oc=5) · Palo Alto Online

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24978 (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/18.json (key "24978", 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=24978
- 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