# BEAVER AVENUE
PITTSBURGH, PA · NCUA charter 3838 · asset band <$50M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/beaver-avenue-3838

Who the members are: federal charter, service (single sponsor), organized 1940. 701 members of 1,800 potential (38.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 65.

**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 | $4.1M |
| Members | 701 (-0.7% YoY) |
| Full-time staff | 1 |
| Net worth | $67,065 |
| Net worth ratio | 1.6% (p0 of band) |
| ROA (annualized) | 0.97% (p79 of band) |
| Total delinquency | 8.21% (p97 of band) |
| Net charge-offs (annualized) | 7.46% (p99 of band) |
| Loans / shares | 94% (p93 of band) |
| Cash / assets | 15.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.43% (p94 of band) |
| Operating expense / assets | 4.67% (p79 of band) |
| Vehicles % of loans | 67% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.59% (p96 of band) |
| Vehicle NCO | 2.74% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 0% |
| Average share balance | $5,679 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $8,269 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, losing money, delinquency 2x band, charge-offs p90, repo signal, loans>95% of shares, auto monoline |  |
| 2016-06 | 6 |  | repo signal |
| 2016-09 | 5 |  | charge-offs p90 |
| 2016-12 | 4 |  | losing money |
| 2017-03 | 7 | losing money, charge-offs p90, assets shrinking |  |
| 2017-06 | 7 |  |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 7 |  |  |
| 2018-03 | 9 | capital below 7% |  |
| 2018-06 | 9 |  |  |
| 2018-09 | 8 | delinquency rising | capital below 7% |
| 2018-12 | 10 | capital below 7%, repo signal | delinquency rising |
| 2019-03 | 9 | delinquency rising, loan book shrinking | loans>95% of shares, losing money, repo signal |

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

- 2014-07-09 [Carl B. Zito - Ellwood City Ledger](https://news.google.com/rss/articles/CBMihwFBVV95cUxQOE9JNFNQSjUtekg0MG01WW5qa0RJVkxQdXJGUzE1ZlVoRGxUYlA0NTZTYWpJTlZjdWgyUHZ4aTg0UnotaFhfMnJ5a0xGWnY3ZWpDRVp0ckYzWXFhV0FObF9WUEU3cGgwc1YxVnlKRUlwdzRKSElySzgyd0hfMmtNZGcxemtydUE?oc=5) · Ellwood City Ledger
- 2010-11-18 [PHOTO: Car Wrecks at Atherton-Beaver Intersection - StateCollege.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbHJRVXg2U2hCTnlJRVZxUU91OTh6VUdyQkZXTlRFYktoWG5lWnQ3VDhtemFYYjBoRHk1VHBScGtUMGloaF85UVBpbHpCaUxqQXRuUl9pVWtjUUQ5cHdhdm5JOFZoN2lrQ19BUzQ1OGQ0dndkMDlCM0Z3TVpfbmRfaFRCX3RNVGhXakd6OEpYVDBwamkxZkpIYlpDd3dZdEk?oc=5) · StateCollege.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3838 (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/62.json (key "3838", 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=3838
- 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