# CHOICE ONE COMMUNITY
Plains Township, PA · NCUA charter 4240 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/choice-one-community-4240

Who the members are: federal charter, community charter, organized 1941, low-income designated. 10,730 members of 152,500 potential (7.0% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $131.4M |
| Members | 10,730 (-4.0% YoY) |
| Full-time staff | 27 |
| Net worth | $13.0M |
| Net worth ratio | 9.9% (p27 of band) |
| ROA (annualized) | 0.17% (p17 of band) |
| Total delinquency | 2.54% (p96 of band) |
| Net charge-offs (annualized) | 0.33% (p49 of band) |
| Loans / shares | 64% (p38 of band) |
| Cash / assets | 21.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p59 of band) |
| Operating expense / assets | 4.37% (p74 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 58% (p58 of band) |
| Vehicle delinquency | 1.02% (p72 of band) |
| Vehicle NCO | 0.52% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 3% |
| Average share balance | $6,068 |
| Participations bought / yr | $0 |
| Participations sold / yr | $2.0M |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,715 |
| Loans granted, annualized | $19.1M |

## Participation posture (from the same filings)

Bought $0 and sold $2.0M in the latest annualized quarter; $2.9M outstanding purchased (22.0% of net worth), $348,252 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 | 3rd-party paper>100% NW | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | losing money |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 | assets shrinking | losing money |
| 2018-12 | 5 | losing money |  |
| 2019-03 | 4 | net worth falling | assets shrinking, losing money |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 4 | losing money, delinquency 2x band |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 6 | margin squeeze, members leaving |  |
| 2021-03 | 8 | capital below 7%, net worth falling | losing money |
| 2021-06 | 7 |  | margin squeeze |
| 2021-09 | 6 |  | net worth falling |
| 2021-12 | 6 |  |  |
| 2022-03 | 4 |  | capital below 7% |
| 2022-06 | 3 |  | delinquency 2x band |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | losing money, delinquency 2x band |  |
| 2023-06 | 4 | delinquency rising | losing money |
| 2023-09 | 6 | assets shrinking, members leaving |  |
| 2023-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | thin capital |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | delinquency 2x band, delinquency rising | 3rd-party paper>100% NW |
| 2025-06 | 1 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2025-11-21 [Choice One, credit union chapter support LCCC Food Bank - The Citizens' Voice](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdk9UcEZDSXpHd1ZYcDF2bEVfTEktQ3Bnc1hCWk9JbW44UDVqQTNtc3NzV3oxRDYtOFgxbHFIaWVFZ1lKZ0JwSW1sdnpKNmRHYS1aQ2RjWTktZTZBRkQ5TEF5SWFOYWQxeVpxQjV6Y2t3STZzLUs5Yzc0Zy1fX3EzWk1FSjM5TWNBYXRzRTUwTGlKQjRxUExWZHJFN2I?oc=5) · The Citizens' Voice
- 2025-04-08 [Choice One Community Credit Union celebrates grand opening of Kingston branch - Times Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMzBPb09Ka0pLeHIxanluNVJMclBINnMxSlVqNTNDb3dYWjBsNEtzdmhpTGRqcEtPTUc2bFp5ZThEalFkbXVxTUxYZDk2cHA1UkJWOVQwRk5DcmpvRWx1NFRWOGVhWmZrZEVyVVNjanU1WWE0Y0Y2cUNTNXFSRWIxSUZLVHo4ZlhnUVU3dWdZQy1SaW5LbTI4VkJmeWpmYTBxb1d1NURveUM3dEV1WEI2Q0YwQ2lhWUg3R1E?oc=5) · Times Leader
- 2025-08-13 [LCCC and Choice One Community Credit Union dedicate bench - Times Leader](https://news.google.com/rss/articles/CBMipAFBVV95cUxQa0ZhS3VqZUN5Y0FaT0VYWnc1UHNjcHE4RnA5d1pwUVVfSXRya2c1T1kwTm5lQ0V4ODdoOXhHcTJuWlZac2pDNFRNaFd2SENBV2U1TmdMVGRqd0wwODU0MWx6Mm92RjVYN0NEcGhsUkFqTGVSNndqRTRBSy1ROUNtTF9YcENMdnhrbXVfUXc5SHVmdzVMZ05sVW4xdHJhd2VrRjN4bw?oc=5) · Times Leader
- 2023-10-10 [Gallery: Priming Your Social Media Strategy for Amazon’s Prime Day - The Financial Brand](https://news.google.com/rss/articles/CBMizAFBVV95cUxNWGVub3J6c1ozbTdCVGlwSDRoT1FidWJWc1c2azIwdi1YYUs1YWhlcEF5QnAzNEZBQ0NRRHZEcmlueGM4cE4tLWdFdDZfX1k3UHBvS3VubjJ6aDZDQkVLQ21GV3lnSTh0OUx4VjhzaDk0SnN0cU9SVTFhUWpzbThaanNrYmFGWXNzTjBsWThxdFI0SXBPRU5ScEhoRGVBUzBHdDRkVGs0R2lMMWc4SmRxTVc4dU5hRjdYbmRrc0FrOXFCVUc5VzV3QWJKczQ?oc=5) · The Financial Brand
- 2025-08-12 [LCCC memorial bench placed in honor of longtime professor, wrestling coach - The Citizens' Voice](https://news.google.com/rss/articles/CBMitgFBVV95cUxQODdRMDBkUmhOR3RKaUNCeE5wVjIwQ2E5Qy1QNUpDZ2N3TktiTGNlekxWbWEtaWJOZ09mU28yYzVoSy1QRm44dWE5d2NXcWpXLXJrbU9RVWVROUt2ZFRZZm1LQmNVay1fVS1uTVQ0dFVhMl9VQk1uQnBXWTBtVWNpRGFfUXlxVlVESDBIQWxNWDR1aEl6Q2Y5dVRqbDlGdFdKbU8wMGl6MXhIdjg0aTlSa2xSRDBvQQ?oc=5) · The Citizens' Voice
- 2025-12-01 [Credit Unions support LCCC’s student food bank - Times Leader](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQWdTNW16X0FENXdGcmJsRDNQcVNwdk96VWxEUS1uaWV0cmRCUGt6Y0xjV1VkdTN5cG9BdkNta2ZlTG0tOFdLc19qbktPcTN2d25mV1U1WUJhSVhhWk1kS3l5V1ExcFJMZjRhVWE0RWdFM0MwenJta05tbDVzUXo1dlNEdDV1ckIya21qZG5Gb2s4bF8w?oc=5) · Times Leader
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-05-24 [West Side Memorial Day parade planned for Monday - The Citizens' Voice](https://news.google.com/rss/articles/CBMilAFBVV95cUxObUxiUE1ITjdlTFY4YlFlN3hNS1pPZXlTb2dsQVFXTEphY2VSUGVVeUNlODlMWU1CMmEya2lTMi14NC1LMFdoZHdDRkZ5UmN3OFhMc1Q5ME1pM2dWclBQRXpiTFlCQzN4YVN6ZEpTNFY3MzNJMHJFbDBacHZiejFPRG9uMDBiWlN5cEE5dXJpQVdGNmtQ?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4240 (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/16.json (key "4240", 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=4240
- 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