# HEIGHTS COMMUNITY
BETHLEHEM, PA · NCUA charter 3153 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/heights-community-3153

Who the members are: federal charter, community charter, organized 1939. 1,740 members of 300,000 potential (0.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.8M |
| Members | 1,740 (-19.6% YoY) |
| Full-time staff | 2 |
| Net worth | $592,494 |
| Net worth ratio | 5.5% (p1 of band) |
| ROA (annualized) | -2.86% (p2 of band) |
| Total delinquency | 12.97% (p98 of band) |
| Net charge-offs (annualized) | 0.47% (p65 of band) |
| Loans / shares | 48% (p29 of band) |
| Cash / assets | 25.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p44 of band) |
| Operating expense / assets | 7.33% (p96 of band) |
| Vehicles % of loans | 25% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.76% (p76 of band) |
| Vehicle NCO | 0.94% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $3,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $7,588 |
| Loans granted, annualized | $750,264 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, margin squeeze |  |
| 2017-06 | 5 | losing money, members leaving | margin squeeze |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 | assets shrinking | members leaving |
| 2018-09 | 4 | delinquency rising, members leaving | assets shrinking |
| 2018-12 | 4 | assets shrinking | delinquency rising |
| 2019-03 | 4 |  |  |
| 2019-06 | 6 | capital below 7%, losing money | assets shrinking |
| 2019-09 | 3 |  | capital below 7%, losing money |
| 2019-12 | 9 | capital below 7%, losing money, expense trap, delinquency rising, loan book shrinking |  |

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

- 2023-08-09 [Convenience store planned for site of old credit union on Freemansburg Avenue in Bethlehem Township due for review - WFMZ.com](https://news.google.com/rss/articles/CBMingJBVV95cUxNbDFrMWVyaEUwNUFfODM1Z2VWSXhVa3E2clBSUFF3dE85X0RBWHhsMUtZZmJTVDhuZ1ZvNUk3SEUtUE5BLUFwZ0MxN3NORHJSNmJKWkhoT2Q1bEVrNjdFUlpPZTVtengwMDVoVjd2YUJMelg2akotRVlsU0hQSERWbjRramZ2NjgwbGFraFZJZHJMZlVwWkdqNnZJUEhnNXRnN3dBZC1SeVUwdzlNNHR1WFZJMEdlUV9BVUVPenVzZFRDVGRTSklObGJhdTV4b0JBdkYyNHpwUzRqYVI1X28ycEhqU1pFTUlFRHJSSEh2VEtZSExzQXpSUHZkRnpYdVJCYVJnYV9mOWk1MXNnZTkteGE3Q05nak45M2d1aXln?oc=5) · WFMZ.com
- 2012-04-19 [Donna Hawk Obituary (2012) - Easton, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRFM3em5FQktwX3NzeEZRSjFWYjE3enNLM2tpSUtpUVRaTUgybnEtcWxleXhtc0RpZVItUGdtaERyZWp2dkp0UkptajItYmlnYXNDWktYenFvMjhDTkdIQl82aHNuU2xUbWxZUHB1aWZxMHJVMmNjdUdZbDhVcncyeFcyRExWbU5yT21TS091SWlQZ3My?oc=5) · Lehighvalleylive.com
- 2019-06-30 [Janet Kramer Obituary - Chattanooga, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNaVdnaWNGY1REc0ZldHlLY1dxN0x4bHR5S3kwWWZwUGVGcnU2cy1IdXBoRjN5YjdxQkVlRm9BRTZBb1VTZGdsbFFZdUpHMHZCRG5aOXFINklZRTZyYXc2RFR0VHBiWm1rYURFTWljQ0RENDBtOWk2aWVzZHg4VXo4ZUxodzg?oc=5) · Dignity Memorial
- 2011-08-12 [Fallen Cop Arrested Accused Killer Years Ago - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMijwFBVV95cUxNT1VybFV3azUxLU5aN2FPYlNSamFRRjdFdFV6Z3F0M3FDVEFwN18wa3YyRF9BX0dqMHJiNnM0MjJBVnpEdk8wVlQ5SFAxNGh0LVM1ODdoQjI0U3o0ZGZZMUNvbDk4eWozSHRWUWd2RG9WMkJHSGx2VEZaSFBIVDh6c0RYM2hwS3h4dUdQbE1XMNIBlwFBVV95cUxNZUloaVBEaEdFZ2V0R3l2ajdhUUl4NDY5azAyX0FOLVYzTWpnNzlrb3F1Y2Q5WkZURnJIQk12NUZlY2x1S05xTHY5VnAyYTRuT2JhVlBhYkZ1U1JZS3dBb05yUW1TRENiaE9xLVJlQmx4MWpBN2o1ekRUc3JFcW9zYTRKOE5VZVl3c1I4ZVVrdmxpdVdMWEQ4?oc=5) · NBC10 Philadelphia
- 2023-05-18 [Bethlehem Township to review store proposed for Freemansburg Avenue - WFMZ.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQU1MtODBiajhkRTM5ZWZKamR0WUlPVXJ0R2RCX2NkamZNN0ZfaTNPSUd5RG5DeGN1X2VaSU1OWGtMckZ4ZXlzUUFYWVdHaTZxUkRPUGRLbHlaNVNlOGVhR2hTNG96dklRQTh6Yk1hRmppYUc1QXgtd3NDeTNHVGxOdjZxRDZkaTRPRkpjLVJGNTVla1RzQ3RJWUpMajQ3ejdKYlJxRzdPeXJPMXA2YlFwa24wVTBqY0hUb055X1lxMHRIQ3NEWXdOa1VudXFuaGxXQTVtSHBOOE9wR2ptdUYzWkdRajhmcExuWnNxTkVqbkZwUms?oc=5) · WFMZ.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3153 (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/17.json (key "3153", 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=3153
- 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