# TOP TIER
Clarion, PA · NCUA charter 3655 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/top-tier-3655

Who the members are: federal charter, community charter, organized 1940. 17,598 members of 859,473 potential (2.0% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $267.8M |
| Members | 17,598 (7.2% YoY) |
| Full-time staff | 50 |
| Net worth | $26.7M |
| Net worth ratio | 10.0% (p29 of band) |
| ROA (annualized) | 1.47% (p90 of band) |
| Total delinquency | 0.61% (p51 of band) |
| Net charge-offs (annualized) | 0.14% (p21 of band) |
| Loans / shares | 82% (p70 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p22 of band) |
| Operating expense / assets | 2.40% (p10 of band) |
| Vehicles % of loans | 39% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 178% (p77 of band) |
| Vehicle delinquency | 0.27% (p23 of band) |
| Vehicle NCO | 0.34% (p32 of band) |
| Repossessed % of vehicle book | 0.12% (p76 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 67% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 50% |
| Average share balance | $6,851 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $28,317 |
| Loans granted, annualized | $79.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **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 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising | net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

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

- 2026-02-25 [SPONSORED: Top Tier Federal Credit Union Will Once Again Be Awarding Five $1,000 Scholarships - exploreJefferson](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQc0JDSURMdFhGSTM0c3F3dldoazVWMkExVldKcnhqajNxVUtHVW90b25IbS0wb1ZnOXg0c2M3WUpHS0Q3c0h2QTlDdkFrZlZzWE9jNThpNG9SazlrejA4dXF4bTR6ZzlISDczYUMwRjUzMlZnYTA0bmZlSG5EZGNfQjREQ25PV0dWakZ2ZG53Z3JDbnhqSmNzTld1QTlmYUNTbmZfc3lDbnhQTWFwVTZRd1RoYXM3b2dSb20zWEFpQ1lOeks4ZXVtRV9nOFMwM1pUQzRkQWlDQjhhbi1hVHptMkttSXpHR0pZRGxTSQ?oc=5) · exploreJefferson
- 2025-02-03 [Business Review: Top Tier Federal Credit Union maintains community centric focus - thederrick.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxNUzNiX196bVJYbjFpVmpRR0ZDSlBjTTZlQTI1WU5DVHloYXFrZ0FyRnVRNUtOaHRLNWtnZGpacGZiYmcwbFE4ZUZKYVlhZFE5Y2dzNE5lempNSXBZSGxvcV9DWWRTdjhaVk5CNnd5S1d0UURHYnowMXR0a293U3lDZXE4d1VXZmpMWDE4ZjlQNVZrYnl4YjFuZFVPLXQ0eGF3RkZIcEpsLThVUkVIOEQtZlJNRmFfNVlYY3MyTjlJU2VubnZnRjFGbVA5MndHelF5bWxOa2gxdVg2UGxjbUJ0T0ZhUHdSSi1rNktrTnF3OUtBdE9ZSXRsaFdBWDB1LWt6SVE?oc=5) · thederrick.com
- 2024-07-25 [Top Tier purchases prime spot for future growth - The Courier Express](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOdHRjYVRnUlhwRmRsWlBXc0RTdlRvNGh1eWJiVEFqMzdBS3VZNV9BQ3hkU3lTdGxGaWlZcXY1UU5mLUI5a1F0MVNNQVU4OFJkUWE1RzM3UEdDOENEZWVxc3pBaXZncWpneDRURU5PVGZrUmJTVXlGNTlxZDUwb083em55M0hLY29Bam5LYXlOUnU4bnEyWkJIUDFYSzE1TzB5VklQWUpXR0loU2hMOEJnVzJPTS1zbldjbUZLdFVIYzdPQVpoZDltVzdxQVFyc3VpVmt3dVhXM1c4SWc2UHU0UkZLYWthUGZlZVNXR2xTT0F4VkRXT2dj?oc=5) · The Courier Express
- 2026-04-16 [Jefferson County Adoptable Pet of the Week: Lilly - exploreJefferson](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYmpvLTZGYzJxZ1VNS2c3Vm54SE4zQkI2WDJlUzNQRVRuWW9LWGk4T1ZiUUUySm9Dd1FFVEx5dGVkSzJZSDNneXIxRHVfNjNTU3l1WThQU2JMU1dCUzh5YW5nWVowbGFvQXg4NlRneUo0WFM2MTJxQjZIV2N2U0Y5Zl85ZWc1THhGNlNwX01ySkI0NEdqSExnUEtWRFpHWGNFRGh2Wnc2NE43RmVHSVk0M1VLYkFHUQ?oc=5) · exploreJefferson
- 2024-02-05 [Business Review: Top Tier Federal Credit Union reports membership growth, expansion - thederrick.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxQSkZLQ1d1SXVCOVE5R2Jlb2tkdmNmMDNjVEdxVFptdXgzVWxiTlZOdVcwY2g5cHB5cWtaNUNxWF9JU1NBeDhucm95WnJ1X0ZpRzc1LU1EUTdhaWo3MXNrZHZka3E3UVkyaWRsQ25teDkxUmVJbElveXhjaG14T09kOHcyTVFfaGd0bFZITkNXWkh2a3FocWkweHFoQ3BvQnYzSjVreVRrbW4tWXBJNTlUb21iLTJDdk9UY1FTYVRDUHNEeVhVXzM3Zlh6ZDFxOWJIeE9lNmhJNlBhelhITnlDQW1ZSzd3QWdVbTJ1NXZqdGJLV2tVamgyNGFKSmhDZWNxUUY5Wg?oc=5) · thederrick.com
- 2022-07-28 [Clarion Federal Credit Union rebranding to Top Tier Federal Credit Union - The Courier Express](https://news.google.com/rss/articles/CBMimAJBVV95cUxPZDFrckZvTkxmNjZZdk5sRGcxQnRNeWpad1lPTmJiTnp2bW8yN3p0SEpjTmlxVW5zbDJ1cWVoN0kzcGdZNElHZlp6SGFlRTh1MzBCWWg5bVZvTG9mVG5zcmNCS01wRzRUWlgtUlQtWFlnTl9FcDhoXzlTbjdFNFF0R0pkYWFoU2l6bndfWTluVm1IYWYzeEhHZkFvdFUtZG1TbzBhcUNxOTBGX0ZyQ2t5aUJ5X2F6X2pVclE2bEsyQ3pLRndIbFpFSXFveUJyYndvNG1xV3VsUlZ6eWFBSE9mOGJJYmtCYUl5U05DYUlNS3dkUzUzUDNrQVp5TXFYYWpCVVcxQXlWU3JXUHROLXZOQzRjbl9CaTJz?oc=5) · The Courier Express
- 2025-02-18 [11 new banks now work with Google Wallet's contactless payments in the US - androidpolice.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5jUExRTThJaVc5RzlSZnFkVGxlZVJYNUNTeEdUektFendvd2tIVnJodUs0TW5MUmtrbS00cEZTOHBSdklRNXdfQlVRVUt2enplSl9YZmN6NDI3eUoxYnd4blZwVmczNmlPbTlDNUx2OENmbV8xVV9xcEJDX2x1QQ?oc=5) · androidpolice.com
- 2025-05-08 [Top Tier Federal Credit Union’s Brookville Branch Celebrates 10 Years of Service - exploreJefferson](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNdXNNTUtNWllPdWFmSGtrM0haWHZYSndYS3JjemlhbTBieXhUV3ZweHI3OU55M2cxcE10NURtWDVncEtkYzNIV0RwenNZNUItclRZUkd5dUZiZ3JaZk9aTHAxMHB1M3pwRVc0RG8zVllqSVI0Q3dZUkFEU05FRGk4R0FqNy1iWHpkRlhGYjhVSzk0N3dlS2dESDdaS0syU1dOT3NCaVFFdk5wZjdkbkdhZG9KMnQ3bjBLVjZ6ZW1FamZ3Sm1hUEZoR0pldkRRUzBreHlnbHN0VFlYV1U?oc=5) · exploreJefferson

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3655 (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/7.json (key "3655", 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=3655
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide