# NET
Scranton, PA · NCUA charter 4792 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/net-4792

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 20,066 members of 354,212 potential (5.7% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $344.2M |
| Members | 20,066 (6.5% YoY) |
| Full-time staff | 55 |
| Net worth | $36.1M |
| Net worth ratio | 10.5% (p37 of band) |
| ROA (annualized) | 0.31% (p22 of band) |
| Total delinquency | 1.13% (p85 of band) |
| Net charge-offs (annualized) | 0.47% (p59 of band) |
| Loans / shares | 63% (p27 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p33 of band) |
| Operating expense / assets | 3.95% (p61 of band) |
| Vehicles % of loans | 44% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 168% (p75 of band) |
| Vehicle delinquency | 0.22% (p18 of band) |
| Vehicle NCO | 0.84% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 27% |
| Average share balance | $6,449 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $18,850 |
| Loans granted, annualized | $102.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 | delinquency 2x band | net worth falling |
| 2020-12 | 0 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2021-06 | 1 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 1 | members leaving | net worth falling |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 0 |  | members leaving, delinquency 2x band |
| 2022-06 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2024-03 | 4 | losing money, delinquency 2x band, delinquency rising |  |
| 2024-06 | 2 | 3rd-party paper>100% NW | losing money, delinquency 2x band, delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 | losing money | delinquency rising |
| 2025-06 | 1 |  | net worth falling, losing money |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

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

- 2026-07-14 [NET Credit Union Expands Offering Using Alacriti’s Instant Payments - GlobeNewswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQR3NoYWt1eGtqc0VlbG5VTDRDa2pPelAtMUk1SzZWT1RicEdneDlqWlVDUVlSTE1QSmlPek4tYWFnXzRvZ2J3QVdzQVBUV0dJXzlibVg5SlVvbDR0VG1CTVdjSlF2OVBIanZNdXUwdnBZZHoyREV6Wk1zTFRNYXVMSjNfX0VvQ2tjeEpPbnNkYXZzVk4yVGxIOUtsR3hyUzNhN1c3OV9obTJtS2JreTg0S0N4RmljTzAtT0M4UmlJRUhSYURlS2lOTDZGcE9JckprZUN1RV9n?oc=5) · GlobeNewswire
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - thepress.net](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQSGZKUWRCdDBMc3h5Qks3Y0pUN3B2UWNNZWROdk4zNm5XUVROcFBYdWN3aUJWVGJSSjhJU1JXOFBlTWNuT29YTkk2Wm8wSllkWFc0anE3VW4wZFFmYjdUYk9oSEg3U0d3VGRHTDJQVFg4aDJ4SDM5c24wTERFWVQ5VFNaNzNMdGt4ajkxS3Axd1p2VEMyNGRoUDllWjNBZ01jRUszblo4bFVQSXF1R2ZTREllQW0tcmpaRklodzhCdm5YZ19IWEQwN3R4Yk1PbU9ZVmxaZWllUWpYTlFOalpr?oc=5) · thepress.net
- 2026-01-22 [Family First Credit Union acquires Focus First Credit Union - Rochester Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVWJDY1UyaVZxRUpuMmhSdmNxblRUdjlCMXB6WHRYQ2dfNUU5bE1zT0E0YXFWLVhYZnBUZnhNelpUN0lMMzF6SU41Ym9ZOV80WTR3Y0d3Q2xwMU00WV9SZEZFQ09TTTFOMC1SQjRXbEJaV0Z3eWdIcjBFaFdvODlnNS05eU10Nm5HWm96Z0U1Q2k?oc=5) · Rochester Business Journal
- 2025-05-19 [NET Credit Union awards $10,000 in scholarships in 2025 - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUU1uNHl3NVRpajBxODhQSGhrcGZHejUyYlFzSVY2WGdqQ3lpZ0NRck1Cb2RDdGo1U2tFbW00ODU3VUlROXY4V3ZrbWF3eDV3b0ljTzlHT2ItTThSZWp4YjdISU9tM1QwSG9COXpxTmo3cFJGcVZVTjE1OEdFd3BQUU1PQkM3cGNRbjIyZGpadGFZSXZUeDM0YV9B?oc=5) · CUInsight
- 2026-02-08 [People on the Move, February 8, 2026 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSkRpQlIySmdJbjRmY1p6VnNJOHNmbjBlck5DQUpoWUhaRk5vNFdFb0czcjg2T3hYZnJyeDk3cTlER3RJYktncjRLSFE4LW1qOWZYWWJhekR5UC1GZWxCVG1aZTViS3VsM2RDUG4wNmpyaDFmTVVMR1ZmNElYalN5N1k5a2M3dw?oc=5) · Scranton Times-Tribune
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2022-10-11 [Meet Puerto Rico’s unlikely climate champions: Credit unions - E&E News by POLITICO](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdk5DMG9JVklIQm95d2hfcmdZRWxxQ0ZqSXN6ckxZNjRxYUNxbGZFRVpqZTRhbFBWNURsN2dHSVpPZE1jd1ZZMF9xTnhkQ3RlUDVzOXJTMmJPT0tBSWt2RnJCTzhBX3hYbzRxMFhDQVBTZThrTFNpbVd2alBNRUQzTV9XaEVOQ2NLWVkyY040cXdfdXR2TlE?oc=5) · E&E News by POLITICO
- 2025-05-08 [Citadel Credit Union Reports Strategic Growth and Community Commitment in 2024 Annual Report - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQb004emc4dUpxTFdCUG5uVmFIRk5qb0c1bG52cGNLYl9NTXpidXJwSVozTjBTWlpVWUhfVUNaNmMtZDdYVzNEdGw0U2t1Z0JxNDVfbmNEVXFra2pfOTJBbTBjUDZoLUFqWEZSYUlEUGxNMWxRTDdkZGE0MHljdkZFTVUzc19ScnhxMkdPM05lS2xmSHZKY2puQ2M0RGRUTGUxQlAzYjQ2U1NtMnVsWGE0a29sUy1lcHA3a0xLQi1TVnU1OFAzeG0xbHZpM2tEOFNtN1NqakN5cmRiTWxjOWRGaGln?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4792 (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/56.json (key "4792", 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=4792
- 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