# PITTSBURGH
Pittsburgh, PA · NCUA charter 422 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pittsburgh-422

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 1,297 members of 53,000 potential (2.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. 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 | $11.3M |
| Members | 1,297 (-11.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.2M |
| Net worth ratio | 10.8% (p22 of band) |
| ROA (annualized) | 0.45% (p44 of band) |
| Total delinquency | 0.98% (p61 of band) |
| Net charge-offs (annualized) | -0.32% (p6 of band) |
| Loans / shares | 35% (p18 of band) |
| Cash / assets | 66.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p34 of band) |
| Operating expense / assets | 3.84% (p56 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.73% (p58 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 4% |
| Average share balance | $4,367 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $6,733 |
| Loans granted, annualized | $905,764 |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 4 | net worth falling, repo signal |  |
| 2017-03 | 5 | thin capital |  |
| 2017-06 | 5 | charge-offs p90, assets shrinking | delinquency 2x band, repo signal |
| 2017-09 | 3 |  | net worth falling, assets shrinking |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | repo signal | losing money, charge-offs p90 |
| 2018-06 | 2 | delinquency rising | repo signal |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | net worth falling, delinquency rising |  |
| 2019-06 | 1 |  | net worth falling, delinquency rising |
| 2019-09 | 2 | delinquency rising, repo signal | thin capital |
| 2019-12 | 1 |  | repo signal |
| 2020-03 | 1 | margin squeeze | delinquency rising |
| 2020-06 | 4 | net worth falling, delinquency rising, repo signal |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | thin capital, charge-offs p90 | delinquency rising |
| 2021-03 | 6 | delinquency rising, auto monoline | charge-offs p90 |
| 2021-06 | 6 |  |  |
| 2021-09 | 4 |  | net worth falling, delinquency rising |
| 2021-12 | 4 | charge-offs p90 | margin squeeze |
| 2022-03 | 4 | delinquency rising | charge-offs p90 |
| 2022-06 | 2 | delinquency 2x band | repo signal, thin capital, auto monoline |
| 2022-09 | 3 | repo signal |  |
| 2022-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2023-03 | 4 | delinquency 2x band, delinquency rising, auto monoline |  |
| 2023-06 | 1 |  | repo signal, delinquency 2x band, delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | repo signal |  |
| 2024-03 | 5 | net worth falling, delinquency 2x band, charge-offs p90 |  |
| 2024-06 | 4 | delinquency rising | net worth falling, charge-offs p90 |
| 2024-09 | 6 | assets shrinking, members leaving |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 5 | net worth falling | delinquency rising, assets shrinking |
| 2025-09 | 4 |  | delinquency 2x band |
| 2025-12 | 2 |  | repo signal, net worth falling |
| 2026-03 | 2 |  |  |

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

- 2026-06-16 [Clearview Federal Credit Union plans new financial center, its 28th site - Pittsburgh Business Times - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWWNRQ2NNR1I5aG0xQ2x4ZFNYYmZpalZ2SUpWazZDb01RTnFoOV9JQlBDSFdvam02alhvVkRqQUk4bkNXX0NKZWlvNTY4SGlfQU5CSTRxeHl1VEp3NHY5cl8tUXkwaDd3WTMtUnRDVlUxSXEyRF8xSmZuRkhOZzdaWjVoLWJzTkFIeWtRcDVfMA?oc=5) · The Business Journals
- 2026-05-14 [Elementary school homework assignment helps identify Pittsburgh-area bank robbery suspect, police say - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQzZWT3d0SnNOVVVvcG1PWGppZDhGY0N2bW11OEVPOG13dU1oOFdJN2kteUJnNXZvbkJnai1nbERlX1EycnJETHNRRXBnZ3haU2dIa3Q3RFAyS1NFYU1mUTRBX05iaHZkdi1rTGhKZWUtR3pHTkxYMjBCbG5iQmtNNnR6THpKZk9xczR0STIyRURoRVlJSVoybmN6QQ?oc=5) · CBS News
- 2026-04-15 [Armco Credit Union plans new branch, buys former First Commonwealth building - WPXI](https://news.google.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?oc=5) · WPXI
- 2026-07-29 [BVA Federal Credit Union expands footprint with community charter transition - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxOUUVlMGNxcDFwUEZaSVNTS0taS2RFcHhQbWJRcEV4VWctY3ZreEVaV0gwZFZHWXd4amJ5NzlNdjZMRHdxX0R0WFhEcmJWQXFjaGVQYVpSOXgyTnVxRVpVbHp0NjRxTk5ITDVQQkVTeDU4ZFpRYWZMdHdFYVNfQUcxaVRJSldSYmI1eks5bQ?oc=5) · The Business Journals
- 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
- 2026-05-15 [Pittsburgh-Area Bank Robbery Suspect Nabbed Via Child's Homework - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNS1ZvOVdZRFNyTnZUeTZKbmtLMjRqa0EtZWkxN01vZVpjM2syem94R3U5RDl1eXkyd1R4SkVncUZkb3JJRlllNmlILUNmZHI2QnVCYjhkS18yNWM1YTd4WERGYmIwblZQSHRVUGtIVkJEbS1TSW1TNmtjdFlHNEoxcUtmOUtkZFpWQmYtcU5Cd1NvNktybmx3RGNFM1ZFYmhDNzZn?oc=5) · Patch
- 2025-11-28 [Pamela L. Suber Obituary Apr 26, 2022 - J. Bradley McGonigle Funeral Home and Crematory, Inc.](https://news.google.com/rss/articles/CBMifEFVX3lxTFBUOFVpd0p5bUd0VF9sd0dLQlFvNFRzbERoWHI4aGZ6QWticW5EOUtkWjZGMWY5MjRsRXRZT2Z4aTJWbGNNSk0xWnByY2tEQ0llVlduTmgxeHhrUV9ZMnJUbm1fTm1zbXJEdFNaSlVlclR1dWVmMkgyb1NjbnA?oc=5) · J. Bradley McGonigle Funeral Home and Crematory, Inc.
- 2025-10-02 [Gingerbread House Competition Accepting Entries Beginning October 1 - City of Pittsburgh (.gov)](https://news.google.com/rss/articles/CBMiswFBVV95cUxNLTFpSG9rTHIyMFpPODZTNkx3MEJuSjhNM3BLMkxsQUdkVDBlQ3hQaUFPLXV5QWZINFV6Y1NWV200TnMzOF9USXFvYW1jWXlPamRzaFRpdy0yOERndV9mdlQ3dmdLMXBYZWRyN3l2YVV6bHphSzRIZFItMnUyVHhGNFRRTXNVOHVlaUNsWmdEMFFJVmpLOW1BQXJqN2o1REo3QVpHZEpGZDZ6WFVRbnREMW9FZw?oc=5) · City of Pittsburgh (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=422 (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/38.json (key "422", 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=422
- 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