# ELLIOTT COMMUNITY
JEANNETTE, PA · NCUA charter 390 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/elliott-community-390

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,045 members of 287,767 potential (2.5% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $54.3M |
| Members | 7,045 (3.7% YoY) |
| Full-time staff | 20 |
| Net worth | $8.0M |
| Net worth ratio | 14.7% (p68 of band) |
| ROA (annualized) | 0.72% (p52 of band) |
| Total delinquency | 0.39% (p37 of band) |
| Net charge-offs (annualized) | 0.06% (p27 of band) |
| Loans / shares | 71% (p69 of band) |
| Cash / assets | 35.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.28% (p82 of band) |
| Operating expense / assets | 3.84% (p60 of band) |
| Vehicles % of loans | 69% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.39% (p40 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 8% |
| Average share balance | $4,224 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $12,600 |
| Loans granted, annualized | $6.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | repo signal |  |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 2 |  | repo signal |
| 2017-09 | 2 | auto monoline | delinquency rising |
| 2017-12 | 3 | repo signal |  |
| 2018-03 | 3 | net worth falling | repo signal |
| 2018-06 | 2 | assets shrinking | auto monoline, net worth falling |
| 2018-09 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | net worth falling | losing money |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | repo signal | delinquency rising |
| 2020-06 | 4 | net worth falling, losing money |  |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 4 |  | repo signal |
| 2021-03 | 4 | thin capital | losing money |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | net worth falling, thin capital |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | thin capital, net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | thin capital, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 | auto monoline | delinquency 2x band |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2024-03-21 [Four children and one adult dead after fire in Jeannette, Pennsylvania - CBS News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNM242Y1h6THh1bklGYURBWVA1UGs3ZzAzM2psZEZ3Z0YxMm8tWldRcDVYeG1iUVF2ZGt0X0JmVW52Sl9DUHRweFl2ZW1NQUl5ZkVUbE1Id2lBUk1fa3l3TzI3SkhoYTNaLXBqeVFfSzEtNjZkZC1fck1ObVdCUmRjbnI1VEZERlE3Yll0VDFCRzlucXF2bDVPd0pWdkdPb1ZUR1E0QWFB0gGrAUFVX3lxTE9Ib0VacmMyWlZPTV9VWGZ0V3FIdXl3TjBsTlRpa2VCcFQySGxKOVpPTkVkLTI5N2ZmQjhJMFZ4OEdlVG1pOFVsY3hHVV9oanZOelkzN2Q2X24xeFdvQTU1WEFTMmtJNWtQdFBxNjhkaU05UjZRbzVuTXAyU1dhSDBKNlBOMi11WXRtbzByeDZXZ0RYSDNTZy1JelY2NDllQWNJRFNFb2JhNTJhOA?oc=5) · CBS News
- 2024-03-20 [How you can help the families impacted by tragic Jeannette fire - WPXI](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPU29IaDIwY1YwOFo3c3NyMzAxZ29QdGJOckU1QUNaa0Zrc0VEc3VjeG5MOGFITnB5eThnX0Y0dHo0emhPR2xHTnNrZTRPaFBfZzBWZnpUdGZYbXI0eERGSUNmeDRXaGd2LU9OVVpYVGFPU3ozWDBzOWFWMU9nUXBZNmllTGNyZTFidm5FaWlYaXdQckExY0dHWXF2Si1CZVE3ajRGaVRZVldSbFVhTkEyQ1lZR1FpaEtnTnYw0gHPAUFVX3lxTFBNOEd2SmpkVjladjduSkxsUXcwRVFxLUxCZUZ2bHJyaGlDU0hobVRBMG9Xa256emowdVZOWU9xdWhNZlhXTTZBRDJxcDFETWsyVTNoeXVpNERpX0gyUGNmenVSWDlrOXNEcW5xTWNfZEU1UVdiZF9VNFNnYlliZkUtS19mN3N0c3dOSVVIUExELTFtN3M4d053WXo1WVF6Wi16N1oxQ3c4eFdSWjlXTkhOYks2dW81ekxUSzlpM0NNYVR2MDVJUEVNcnpTWGtvQQ?oc=5) · WPXI
- 2024-03-21 [Family, neighbors, community come together for Jeannette fire victims, survivors - TribLIVE.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPOF8xSzJ2cnhONUxDMDVpOU5YME1fZFYtUDJKYmstQXdwNW91dVRFQ2Q3NDAya3ZkY2xSeko5enBtcWhydlVnbWtSbHB5eDdhNHlIeVZBNjBWOW9YSjRjOE5SaUtHX3Z6blkxS0hPUFJ2S2JMVUhXNzliRUlhd0VQWUJIS3NyX2M0MHRfVjk4YjFaVFVhRjRXUDlmU3FpV0hybFA1T0RTMmJoY1E2X3dWNUZERDVUSDFQR1poVmZBVzQ5OU5Q?oc=5) · TribLIVE.com
- 2025-01-22 [Judy Rugh Obituary (1943 - 2025-01-17) - Harrison City, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOODVjSnVEem5NaXRBc21KTWJEeDM0QS1Xa2l2cGZWOUc0aVBRSm5FcGE4b19hTjVqWTRVaGhqYkdMdDZBY0x2WjZSbGkyZ19KNElYVHBRdDR2TDRTSXVTQ0xpcGdHT0dxN1RXQm1KMjlONnNiNjVRZWtwVEo4TGw5T2YyX29KdkZiTFB2QU0zR0ZoeDJ2bTQyRm0tNVk?oc=5) · legacy.com
- 2025-12-22 [TribLIVE Best of the Best 2025: Westmoreland County winners - TribLIVE.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOem1tTWxzM1R5RXBVTHRMakdLc1p6QjdWVW1NbXpmeDV3T3NnMlZpVXljNW5sRG11dzFxZDU3ZjJVeWZPZmtsdFprMWpXNUFGWkdycU91cnNJaFM1cFYzSEhCdHU2bW9rcHRYa3llUVppZkY0elU5Tk9sZm1SaHVlRHlkdWJTMldWREsyMWVEQ0lKaHJ6ajZWSUZNV0ZIQQ?oc=5) · TribLIVE.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=390 (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/6.json (key "390", 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=390
- 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