# PENN EAST
SCRANTON, PA · NCUA charter 2742 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/penn-east-2742

Who the members are: federal charter, community charter, organized 1938, low-income designated. 21,622 members of 625,428 potential (3.5% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $277.6M |
| Members | 21,622 (-3.0% YoY) |
| Full-time staff | 50 |
| Net worth | $29.2M |
| Net worth ratio | 10.5% (p38 of band) |
| ROA (annualized) | 0.69% (p51 of band) |
| Total delinquency | 0.19% (p12 of band) |
| Net charge-offs (annualized) | 0.16% (p22 of band) |
| Loans / shares | 47% (p4 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.88% (p11 of band) |
| Operating expense / assets | 3.42% (p38 of band) |
| Vehicles % of loans | 37% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 132% (p67 of band) |
| Vehicle delinquency | 0.05% (p6 of band) |
| Vehicle NCO | 0.14% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 14% |
| Average share balance | $6,584 |
| Participations bought / yr | $0 |
| Participations sold / yr | $9.5M |
| Participations outstanding | $2.8M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $18,774 |
| Loans granted, annualized | $24.8M |

## Participation posture (from the same filings)

Bought $0 and sold $9.5M in the latest annualized quarter; $2.8M outstanding purchased (9.6% of net worth), $1.6M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 0.7% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 3 | net worth falling | delinquency rising |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 | delinquency 2x band | losing money |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 | margin squeeze | delinquency rising |
| 2019-03 | 2 |  | margin squeeze |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | margin squeeze | delinquency 2x band |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 4 | loan book shrinking |  |
| 2025-03 | 3 | net worth falling | delinquency rising, loan book shrinking |
| 2025-06 | 2 | delinquency rising | members leaving, net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2023-03-07 [Penn East FCU opens to serve your financial needs - Wyoming County Examiner](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUi0xZGd5STF3N0ZmUGxTTG0zZnE3azRoTEktemxEWS01Q0RvOUhLa1owMGY4UUdvbG1HYTZHNnBTSEFaR1VMRTlfcl9pbjUtZUFFNzJTZkQ0WHJ4YVpzb3BSRHdtQzZmNkpPaktlWFVQLTVaWlBhaTRBeWhsUU51YzdfTWlteS1iV1FVRVp5RFpwZw?oc=5) · Wyoming County Examiner
- 2025-06-17 [Truck plows into building in Scranton - WNEP](https://news.google.com/rss/articles/CBMijwJBVV95cUxPMlNQWnluUERiNE1VNDNrRzZhaVZEVi1jUWRFanpVOVJZVnJYcS1NZ0Z4UF9uSUtpNTBfbGFwQWI4YkQ5cUlsTUc4b1R1eFNlaVphdEt0eWtNaUp4LWphRC1Wa0V1b2ZOYndCYy1EZnhVbzVxbER0Zkp0NkdnUC05V0o4bGlOblpvSElaYWRvSmRxaFJrc3dGZjBneFpJdGdMV1pndFJFanFxbzFlaHlaVi1nc2Q0V05jZ0xtQzVKdU1KblMyTHJSYXJrdm5OaGxKbnRoeEpZN01nU2duTmpSU0RQczFVeGdtNHN6OUs1dlIxczBKY0gwa1ZkcTEwRDRmdXBPQmVzN1FqaDZvVkRr?oc=5) · WNEP
- 2026-07-17 [Penn East FCU’s 2025 Milinda Project First Responder Award recipient - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZ09VQW5XdUxUUjBCSFBOWUxOaUxjZDgwMWo4Zy1UZUJLTDFFckJYZFI4LWpocE40X1F0NHByR01TeWJ3X3N3MHBGZjRLSVpmM2lMbng3VEdHRmN1cjBGWXdvZ3gwVGV5RTBCX1M2Sks0N2dlR2JaRWhXczlUcmxOWmxLbWh5V3hIY3NmLU1NLTZ4ajRPc1FEVWdIMzhsQ2JTNjA1bWVOd2lFRlVwSkNyOFpn?oc=5) · Scranton Times-Tribune
- 2019-06-03 [New officers and directors to serve on the Pennsylvania Credit Union Foundation’s board - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOOWRCMy1jc1ZiS25nZkNVbWlXSWRtWWY5RlRKQWxEclV3X1hjMkJfRTJ1SzRrTTVDR2UwNVpWaWU4LXdicXNWYlBTVmVKODdoWHVPYVJlT2tiQjgxUWN6ODZhWUlTT3dleGswTEF4RllEQkhzckwxR0xEVG5xbEQzR1hIaldPNDY1NFNYcDJBSlNfREFjcndncldZM184MmczSVlzN09PM01pNW9VRER0bHRSYVpZajBGaU5yMFdoZkxrODFOQnc?oc=5) · CUInsight
- 2019-04-08 [Penn East Federal Credit Union is newest Keystone Commons tenant - Abington Journal](https://news.google.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?oc=5) · Abington Journal
- 2024-10-27 [Barbara Mellander Obituary - Newton Twp., PA (1942-2019) - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxQZzkySWpQYWxLdGpBeENyOF8tczhIdU5kTXEzYjZDQnlHdHRjVGNIcVVVbnFueWNLUzZ5TUxkT1JSc0J6REEzTTViSXZzT2FEUEVISjF1Q09zZW5OeFg2QXdPQXVwSE53NXNmeGZzd050TDFIS1hneVVGUTZCM0J4WWJRTzIza1U?oc=5) · Scranton Times-Tribune
- 2023-07-01 [Margaret Bowen Obituary (2023) - Scranton, PA - Scranton Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOemVwUzNiOG1KR0lyclVGVElYNnpxVi1BdHBtRFFkN0kwR28ySDlLYnp5Wmd0TWtLMDg0VDhxNTZTSnlLT0VtU3ZqVjVacEluYWxTSGFWLXZ5U3QtMzBENmRpNS1FaktVQThYaWZIQ3ppZ1VqQjExUE1PNnhDSEl4Z2RfNTFqc0hra3NETzlkRUMxeElRQ0tIRHlB?oc=5) · legacy.com
- 2021-05-31 [Joseph Corcoran Obituary (2020) - Roaring Brook Twp., PA - Scranton Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQWngwbDlxVC11dnd6MEZmQnpLYW12VWdidWc1ck1vYWNGZWg1eVc1YVBSR2lXOWVMYUd5VkpXc3lZRlNtdHFCR1lOaGl6Sm1pM3dGNHdyT1phdnpjTXM4c290eEZEZ3lsMGFDZl91SWliMUFRbko4NFRqclhsblVpSXVWSnkwUU5QeUtDazFBclp6dWgyREdobFJB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2742 (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/54.json (key "2742", 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=2742
- 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