# HERITAGE VALLEY
York, PA · NCUA charter 303 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/heritage-valley-303

Who the members are: federal charter, community charter, organized 1935. 13,546 members of 1,106,160 potential (1.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132.3M |
| Members | 13,546 (0.1% YoY) |
| Full-time staff | 26 |
| Net worth | $10.0M |
| Net worth ratio | 7.5% (p2 of band) |
| ROA (annualized) | 0.49% (p37 of band) |
| Total delinquency | 1.27% (p82 of band) |
| Net charge-offs (annualized) | 0.82% (p84 of band) |
| Loans / shares | 51% (p18 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.01% (p71 of band) |
| Operating expense / assets | 4.83% (p84 of band) |
| Vehicles % of loans | 27% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 94% (p68 of band) |
| Vehicle delinquency | 2.31% (p93 of band) |
| Vehicle NCO | 1.67% (p87 of band) |
| Repossessed % of vehicle book | 0.50% (p95 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 20% |
| Average share balance | $5,173 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22,584 |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $10,857 |
| Loans granted, annualized | $19.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22,584 outstanding purchased (0.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2019-06 | 3 |  | net worth falling, losing money |
| 2019-09 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 5 | thin capital |  |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 4 | losing money | expense trap |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze, losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | expense trap |  |
| 2023-06 | 3 | net worth falling |  |
| 2023-09 | 3 | delinquency rising | expense trap |
| 2023-12 | 5 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2024-03 | 7 | losing money, expense trap, delinquency 2x band | leaning on borrowings |
| 2024-06 | 6 | repo signal | net worth falling, losing money |
| 2024-09 | 7 | losing money, charge-offs p90 | repo signal |
| 2024-12 | 7 |  |  |
| 2025-03 | 6 |  | delinquency rising |
| 2025-06 | 5 | net worth falling | expense trap, losing money |
| 2025-09 | 5 | repo signal | net worth falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 | net worth falling | 3rd-party paper>100% NW, charge-offs p90 |

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

- 2026-03-04 [Richard Thomas Obituary Jun 23, 2019 - Charles F. Snyder Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFAxRTladUU1UWtCY193VjJvajJuZUxRaVY5RmdyMFp4cXk4S2RsR0pfUUluVk13OHR0Smp6Y1dZN0ZHdVhyX0xjSzR3MElWZWROWmNaV2RBNzV0d2pjX2dXUTNkQlpKLWFPV0M0?oc=5) · Charles F. Snyder Funeral Homes & Crematory
- 2013-05-31 [York man sentenced in series of armed robberies - fox43.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPZ2tGdTNXZDBvQ3c1OE9EbjRZZDZwSDd0QkRrNWFSOTVYQ1lBOXllTHJvR1pLNUVNdjFaNXBqVTY0VER3UXFTT1p3N0dTekN0WXA5TjBpTGZrdnIyMlVidHlQTmUwb2E5MzdpZ3drTFdNUU56aXM5SHA4bGNKXy1DbnNDYzRXdUxldG9WV0Q2bDNBeUM4d29vN1VRazZEUkVuS3NpeW15VTJOODUtUWFsVDFsT3BmVDcxOWVwc195YW9Ed1c2cmg0WGdnUkdROTVackhTYng0Ty1GQWlMeWdMWi1qZGR3VFpWLTJtMHdR?oc=5) · fox43.com
- 2019-06-21 [Best of the Valley - Beaver County Times](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1ZWQng3VzhvQnlaM2hpdEloS0N6OXh3YnlFOTRERFk3ZDV3TFp0cjhlaHIwdF9aSHpJcEhTcnREVGNDRnFrazFHMkVnYTF1YW5rNWtOWTV3eHhSRGZ2d0RUWHNHOEthdWNsWmY4T3BETHNVSE41TmQydzIyMElVM2NQMjJISGRmdGdUZDZBazV2VG1xVkpiNE5kemxLUQ?oc=5) · Beaver County Times
- 2008-10-01 [James R. Dunkelberger Obituary Oct 1, 2008 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMia0FVX3lxTFBkUlc1ZWZKeklzT2RnYklUNTdsVUp6cTdfUWZjNEE0SjY0RHlLdDJxb1d5STFpa0NqZUptUkhTb082R2ctekg1YVQ5RGRXU0l4Yy1xMVhuS0E3U3Y1R3BMZDYxZnFYSERMb2Nv?oc=5) · Heffner Crematory & Funeral Chapels
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2013-12-05 [Alfred (Fred) Guy Clerici - Ellwood City Ledger](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbFRhT0NXUldTcUxtaGdUcVJvZTJzQXZ2RDJlVEhxMHVVazhSc1pqM1NkdDY5VFhIMEQzeFZCMmxmVVlXQkZ4ODRfOHU5NFh4NGk3OUN2cHgxbGE0U0c2bWNxSXRHcEhYdjBTalhhbVpnMkN4Z2U2OWJRRTZueF9JU3JGa1BQQVEzX2s1ZFpaNVFQZ2dHN2Y0?oc=5) · Ellwood City Ledger
- 2016-06-10 [SNAPSHOTS: Week of June 6, 2016 - York Daily Record](https://news.google.com/rss/articles/CBMitAFBVV95cUxPcUlUOEl1RDFBVTVfUEktSWhyM1JnUzg0d3NpR2Z2RlNyYWI0enN0RlhDODBHMXJlMVFqemQxa2I2d245eEVaazlVaUhwWGJCcFVXUWk3RFZWdG8zUm5rV0d0VHhicDRTNGZEUUFGZXBhSlZhTkt4SHRwWnB4RDZXbjBVeVF5QlFkSlVsNktSdG9nT1dkSE10b1dNU1hqT2xJYk1zRDA4bTVPQWNYVVZIQnE2S3Y?oc=5) · York Daily Record
- 2013-05-31 [Bank robber gets defacto life prison term for midstate holdups - PennLive.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOX3RCMWM4c01heE1WSG5oandaLTJPWFFmR2pOVHhPa0ZJVzVJU2VGR1JIWnhDaTB1Uk9lWUxGVFFnZG1qVlprb1VrYl9BcmlKYXlSNzhOWkNaTGpKNS05S2VoQ3hmbHI5UUV6cjBkRXI3aTdLM1FzYW1Sd040YkREdTdn?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=303 (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/47.json (key "303", 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=303
- 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