# NEW ALLIANCE
AMBRIDGE, PA · NCUA charter 373 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-alliance-373

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,881 members of 345,000 potential (2.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $113.3M |
| Members | 7,881 (6.9% YoY) |
| Full-time staff | 20 |
| Net worth | $9.6M |
| Net worth ratio | 8.5% (p7 of band) |
| ROA (annualized) | 1.05% (p71 of band) |
| Total delinquency | 2.35% (p96 of band) |
| Net charge-offs (annualized) | 0.45% (p62 of band) |
| Loans / shares | 61% (p33 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p47 of band) |
| Operating expense / assets | 3.38% (p40 of band) |
| Vehicles % of loans | 26% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 80% (p65 of band) |
| Vehicle delinquency | 2.00% (p91 of band) |
| Vehicle NCO | 0.69% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $6,995 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $14,076 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 2 | net worth falling, members leaving | losing money |
| 2017-06 | 2 | delinquency 2x band | net worth falling |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | 3rd-party paper>100% NW |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 2 | losing money | members leaving |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-09 | 4 | losing money | delinquency rising |
| 2020-12 | 4 | margin squeeze | delinquency 2x band |
| 2021-03 | 5 | thin capital |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling, losing money |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money |  |
| 2022-06 | 4 | delinquency rising | losing money |
| 2022-09 | 4 | delinquency 2x band | 3rd-party paper>100% NW |
| 2022-12 | 4 | 3rd-party paper>100% NW | net worth falling |
| 2023-03 | 4 | losing money | delinquency 2x band |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | net worth falling |  |
| 2024-03 | 2 |  | losing money, net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 4 | delinquency 2x band |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | members leaving | 3rd-party paper>100% NW |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | delinquency rising, members leaving |
| 2026-03 | 3 | net worth falling |  |

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

- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2023-11-02 [Pittsburgh Police investigating Lawrenceville armed bank robbery - CBS News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUjNLclZxLVYtTXNQRWRXS09XTG9DcDE4VzNsMEUyRThJdzNKVTBtYnVuZTdUd3lQbUJQZnlpWUppNFQycWx5NGg4SWlUbk5MeVJHRXdYX0p5MW5QZHd5dndodkdobkxRb0pwcHRMT3FXNS12WDEyMTFyQXl0d0N3RzJzSDBLdTVBLUczMGNqaGJSNDdwb21GT29xYTBLNFNMT25FdTJfdm3SAa4BQVVfeXFMT0k4aXgyN2lrdkFhWGlJWENnajFpeEVJX0xSbGpueEtaTDcwTjJiQTBKSFNXdHB5b2F2blJwUE1WTk8yTE0xZlhoLUxkeldYeWJHYkM4SElyUE91UEVmdUZSclc5WW8wVUFJMFhNOXBFR1ppUUtVRk5FRWdxWXdTV2VMbWFSZnQxV25zbmRVYXFTbUFPT1kzREtJZ0pubTR6dzlHZnBDOUV0VFktSzFR?oc=5) · CBS News
- 2024-05-10 [Pittsburgh Neighborhood Guide: Lawrenceville Roundup! - madeinpgh.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOOEtZbTlxNng2UkJRcjBlSl9BZmxGWFVZdVNCRmhKd2dtZE9EemozUExDLWt2ZkJ4WmVXRzl4U0dGQ1o2MmkwSG9TRlhETE40akdxOFd2TGs2T1VFODlrOEI2VlYxU25GN1VRa1EtMVk3WVhwaVY0M1BIUXpzUWlxd1F0NGh1bVFjYnVYa1F5MlRlT3YyLWc0cA?oc=5) · madeinpgh.com
- 2019-10-05 [Welcome to the real world - Beaver County Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZnlnT3VFdVRSamUtREZIdVk0dkxyanVGR2ZMaHVmLUtYaXFoQ1lzeGxQT1VtTnJVZU0zUFdsX25SZVhBM1lZVkt6UUJxOW5oYVhfYlNsMWRJT2hvYXVXMDh0Q1FGSGo2YTczZW9EdzVGbE9pSUcwb01BclprX1ZxbTJ2anU5cmdaRWJUdEVDNTA3ZzdJTEFGZw?oc=5) · Beaver County Times
- 2022-06-20 [Ambridge New K-9 Officer, Ryker, is on the Job - Beaver County Radio](https://news.google.com/rss/articles/CBMihwFBVV95cUxPc055YmFpRVVLWWwwMWgyUXp5RTVnaGtOQWNIREVZVmY4SUpDZmItUFhlODMwQ0VHRkNTUy1VUUpGVHdaUU9uUVVMc3pEMVFmZXRVUjF6TmJ4MWZkVlA3YmU4Vk8xM09iOENTUUhGU3JPajU2NEJTQlpDcVc3NVFlLUhBTVpGNVE?oc=5) · Beaver County Radio
- 2022-01-08 [Paula Marie (Miskulin) Dobrosielski - Beaver County Times](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9lWjZ4ZHR4TkF1X1NYWkxnVVdtaThxM2pud0hKbUI3cDZPdXZPRHVNUnJQU0lLV1dsVVROeUxKN2ZUVUNLYzdJX01vWGVtLW5iaEJRaDBuQmxZT2M?oc=5) · Beaver County Times
- 2022-10-25 [Michael P. Murtha - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9ObXotamlQNFdTZUtfRkF1bzFaSTdOeWJCYko5aVZBdTdwYzItQjVDSEM1ZGd3Mnpxc1E1RldwMGo1WWZqZTJ0ZmJZZjNQZDAtZkRCVkZMWnZpMXhqdk5V?oc=5) · Beaver County Times
- 2013-05-30 [A Beat for Life to benefit Mars' family - Beaver County Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSDE5VVlTdmRyQ1hwR0pTWXlRcVhuRDVCeFAtUDJ2SDFrVjVwT3FkZDBwYi1HejBqMkxMU3BnOHpPUlIwbmxoaDJXSWozM0pDdnF3cnIzR2dTRWlfaEU5eDROX2kydWFKbFpEVks4UXV3Qzg2U0w2MVFNS250VXBKUkd0eVExTUtydTk2Q0JqYkQ5cmI5Y2pPcGVINUI?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=373 (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/53.json (key "373", 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=373
- 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