# CITY CO
PITTSBURGH, PA · NCUA charter 4233 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/city-co-4233

Who the members are: federal charter, government (single sponsor), organized 1941, low-income designated. 4,038 members of 350,000 potential (1.1% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.7M |
| Members | 4,038 (-5.8% YoY) |
| Full-time staff | 5 |
| Net worth | $1.8M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.20% (p27 of band) |
| Total delinquency | 0.67% (p49 of band) |
| Net charge-offs (annualized) | 0.29% (p61 of band) |
| Loans / shares | 60% (p47 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p61 of band) |
| Operating expense / assets | 4.82% (p79 of band) |
| Vehicles % of loans | 44% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 177% (p98 of band) |
| Vehicle delinquency | 0.66% (p56 of band) |
| Vehicle NCO | 0.56% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 8% |
| Average share balance | $3,852 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $8,696 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | losing money, charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 1 | charge-offs p90 | delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | delinquency 2x band | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | delinquency rising, charge-offs p90 |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | losing money, assets shrinking | delinquency rising |
| 2019-06 | 4 | net worth falling | delinquency 2x band |
| 2019-09 | 3 | delinquency 2x band | assets shrinking, net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling, margin squeeze | losing money |
| 2020-06 | 5 | delinquency rising |  |
| 2020-09 | 3 |  | charge-offs p90, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, charge-offs p90 |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 6 | losing money, margin squeeze, loan book shrinking |  |
| 2022-03 | 7 | net worth falling, members leaving | charge-offs p90 |
| 2022-06 | 8 | capital below 7% | loan book shrinking |
| 2022-09 | 4 |  | net worth falling, members leaving, capital below 7% |
| 2022-12 | 1 |  | delinquency 2x band, losing money, margin squeeze |
| 2023-03 | 4 | delinquency 2x band, delinquency rising, 3rd-party paper>100% NW |  |
| 2023-06 | 4 | assets shrinking | 3rd-party paper>100% NW |
| 2023-09 | 5 | losing money |  |
| 2023-12 | 8 | charge-offs p90, members leaving, 3rd-party paper>100% NW |  |
| 2024-03 | 4 | margin squeeze | delinquency 2x band, delinquency rising, losing money, charge-offs p90, members leaving |
| 2024-06 | 4 | members leaving | assets shrinking |
| 2024-09 | 5 | assets shrinking |  |

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

- 2025-04-15 [Judas Priest and Alice Cooper Teaming Up For Fall 2025 North American Tour - Billboard](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVm5RMEZaSzE0R1BlTmRvdWJlRWNxUndOYTN2anV5ZWhYSmdmZFhwN3dEbUVHSWdvSDgxX0lrdUtNek93X1VBaVAxTWFKODJobDB2VjdVbUw3YnZnR29WbkpNdEJSV2F0UzRPYVpEeV9xeG1aSTNuMGhFWDZDQmQ0NmFTZEMwc2ZxOHBjTDFpQXdESlRJSmdqZmFwazZPeWV3VkdYT2JmQQ?oc=5) · Billboard
- 2022-02-15 [Phish bringing summer tour to Pine Knob - detroitnews.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeGRSNW1GZzdvSVJYTk9BZTZkQVBpb1pBeFlFbi1VU3NWMXlOdVpwTjlTcjI4SEJXREFHdXFfeUJocGVvZTMyX1ZjR2tXZGlyM3YxekYwcmhjaUxEY1k5aGhTZDRtQmJSNWZVNUZiOFVITUR5ZVNJMzlaS2NEZ19TRWk5Q1E0MmxJYmFNcV9jY2FoZFRVdDEtZDNla2xUc3p6ZzltWkNZRQ?oc=5) · detroitnews.com
- 2023-03-27 [GODSMACK and STAIND Announce 2023 Co-Headlining Tour - Icon Vs. Icon](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdnlZRHYzNGMxV05zVWVYOXVwcWY5UkYxOGNpVU9MQVVCQjdYeGhRdGpieWFuRWxYQmJILXVmNkJaZVh3N0ZDbHhObkppN3o5czNwMm1fblZlcW1GSWowWEVlRGJXbjVZcHR0ZVdDMjNUMlBRUnNZaGlYNmIzaVZTYXpjS0JTQVRHTDBSbTJXU3lqNTJxa3fSAZsBQVVfeXFMT21EQWZNYjhPbTdPV2RMZ3N6ZnlYWXBrWDRkZTFzOVpDZ1ZJRjJTbGNTcjFuQUVqdUpSckVhYXFPSmMwVWplT2JFSGJyMG51SGhSYzdsODBnOHhoYWZQT1dJUHdnOGp2YzUzR2FnNC1xZGFRUnNGWGJWNmthcUxJZlBhZW5xcDJhYlRfLVlxc1I5WndxLXV1b3NSSHc?oc=5) · Icon Vs. Icon
- 2023-03-27 [Staind And Godsmack Announce Coheadlining Tour - antiMusic](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTEVTY2VNakdSWmV5blhEeFFDUDVTNGZyZkxWWVJxenYwTWkyUGtrRzNjOFRZX25BOXkzTmJQbnpjYk9ab2lkVURiVXJ1VV8zSFFURHBnd2pCeF9kbTFLcDRqVDMwdngtLTRoVkdqOThva0FvQUloTmo3TE9uMzFrY1BHWlkxdDdyMVExd3VB0gGMAUFVX3lxTE10WndwNUJnV2tXY3doR1pDbWgyV0g4RndUS2JMbktzRDk0b3lTRXJ1c0lkelNOQWhpcjEwUWttRzhHYlZmWXFUZlBzV0hBWDZrV0c4WjVUV1ZHNmszVnVUeklUZzJ3dktDSmhpMTVIZE1oYWV6M2l2V3Y2OWJlTzUyd002LURXZUlHZ1lF?oc=5) · antiMusic
- 2023-03-27 [Godsmack + Staind Book 25-City 2023 North American Co-Headline Tour - Loudwire](https://news.google.com/rss/articles/CBMid0FVX3lxTE9nVE1nUEhEQnVJTG5jREdDd2lCeHFZaTRaOVVqbmQ5cEc1cTVMRnF1NkRRMlRuNTg0WXgwXzI0R293ZjAyWXQ2blB1aGFrUktfSVlPZ1BmQ1lub2RLQ3VRcVlLdzJGQktyOURYSmdyRTQ5cWZQdjVv?oc=5) · Loudwire
- 2025-01-31 [Hozier Announces Summer 2025 North American Tour - TicketNews](https://news.google.com/rss/articles/CBMijAFBVV95cUxOczhLQUZycVBpcmZ2dHo0RnFPRTA5Q29YWHN2WThfOU5qSUpEWWthSTZ1U3Itb2owMGpSTEw5RVhKZ0wxVWJRMGhBSFFPVUtUZmRJbVVYTEUzZ3NQRWVsTDQyY3lzcVlYT3E2NVlzdVdBb1JENlM4dzRoRlZSWmRGUlhHUHNQdUZFc0FlYw?oc=5) · TicketNews
- 2025-10-24 [Presidential election: Polls close with result expected tomorrow evening - BreakingNews.ie](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOHVORHRlQ1BSUHh5RFpvOTN0d1hUejJ5MU55Y21UQ214N0hlWllkRkRwRU9WUENHNXRFTDIzUmtHNE0xV0V4YnpmNUpMb2dTRVFpbUdxekNLMmUxc3hmTERmUjFDNC1Bakg0YmZjbFpvODhEd2hEMGZMWWc1ZGFsT0w4c0hhQTVfLXJV?oc=5) · BreakingNews.ie
- 2014-02-09 [Frances DeAngelis Obituary (2014) - Dormont, PA - Pittsburgh Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQdXJxNU41S3VpV2tuSENVSXF5eGdRckI2THB0T0VqVTRwY291OTRPbWFtNVh4OExZTmhiTHd1YzJWZTRPOXgyUkFpTzdtOFpmUVB4V1R5UVRRNG1lYkZCWGd0bEVOMFZpWk05VEhISDBCWEUwN1Q0RG1mS2VLd19ZMHEyMTFaSG9UOE1uaTN2dXV6UXNydjh0dHVUSWFBVmFJLUtOUE9CRURDY3BOVWxqLTE4d3lCZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4233 (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/9.json (key "4233", 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=4233
- 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