# BEAVER VALLEY
Beaver Falls, PA · NCUA charter 4794 · asset band $100-200M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/beaver-valley-4794

Who the members are: federal charter, community charter, organized 1942, low-income designated. 9,083 members of 168,215 potential (5.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *quiet fade*. 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 | $100.5M |
| Members | 9,083 (-4.4% YoY) |
| Full-time staff | 22 |
| Net worth | $17.5M |
| Net worth ratio | 17.4% (p93 of band) |
| ROA (annualized) | 0.62% (p48 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.34% (p51 of band) |
| Loans / shares | 34% (p4 of band) |
| Cash / assets | 65.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.32% (p87 of band) |
| Operating expense / assets | 4.59% (p81 of band) |
| Vehicles % of loans | 60% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 46% (p54 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.28% (p39 of band) |
| Repossessed % of vehicle book | 0.07% (p76 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 3% |
| Average share balance | $5,248 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $12,095 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2023-08-15 [Man arrested after armed robbery at Beaver Valley Federal Credit Union - CBS News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRkZnNlVSMlY2Sjl1MVhCOGJib3ZudEF5ZHJ0TDQ1RlhtSE51NndPcUg1c2VycjZRb3BvSFZTaDRCWGo0TENuUDFxTjQ5VWRNNkRaeGI5Z2taZEM1NFRCYTRiQjZhWlhYMGlvdDNqTGhqUEpxT25ncGNoSm10NWZPYUpVMndBX2dXLVRhLWZVekxqbENvMVlZSEFGSDV0c2hjYWxMadIBqgFBVV95cUxOT0EyNlhtUlQwLVZBWlJEUzRsRUpXeHp4UmxlLW5uSW9NRFJGclMwdDczZDBITTBaTTNIQVhTbDd6QWlMSW1VVXZXLWxicWtyWFdjczNLcDFLZ1ItaFFtU1JxRGc5dW9xR2wxbGg2YVhFTHZxUmxjNlRodGlQZDJpVWJqVENSYlJRV0V4aFpqMXpObmdrZ2taQlcwYWNHYktLVjIxT2tVbndHZw?oc=5) · CBS News
- 2023-02-28 [Beaver Valley Federal Credit Union and Elan Credit Card Donate $15,000 to Bags & Blessings Charity - Beaver County Radio](https://news.google.com/rss/articles/CBMiygFBVV95cUxOaGE0S0hNQkxteUpPRVZuSE1kU0s0Qk5TVHIzUnhSV3ZOWmlRdkpNbXFvdUlxLUR1X3FIWTZLNFdyaTN3Q1AyM1lYajczVDhUVXYxR0EtcW1CVUJFcTQ1ZnBwOEphajRYc1c1YWx2X01saVRsRDVnRU5kSk5uWGdwRkZkY1RqVWU1QUtJZjRIZU1aNkNiZGZqeXpsTFFncU9lN0V2S3BickstZm1yeHlzeTZMc0VWWE1GaEFrdE5TdXNDbGhVcDNqM0xB?oc=5) · Beaver County Radio
- 2024-11-15 [Beaver Valley Federal Credit Union, Clearview Federal Credit Union to merge - Pennsylvania Business Report -](https://news.google.com/rss/articles/CBMisgFBVV95cUxNYjFrRkhUZ2huLTdaMHgxdE9FTVE0SHpiRGluWkNoMUJ0OFI1QVBsT3lzUjQ5akktR2FjMjgwZklzM3dVSlhQUTdaVjdfUldBamJsMXZDbTZ3dUd0RmktQWtmbUNYUXlwSmRBSUluVVQydDZqUlZBamcyLURocnlvQ2lRYldvOVhnY2pXNzhhVFhFR0JkYlU2M0tQaTYwVzRCY1k3QWpIbUZEV1RWNGNZZmRn?oc=5) · Pennsylvania Business Report -
- 2014-02-18 [Retired credit union executive began running the operation from his home - Beaver County Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSWdGdGFRVGhOeGxyQWU2Q2pEMXd3UlVzT0J0OV81MWhibUx1VnRMWU9kNUhiV3RxZUc2OTc0aW44ckFwLVQyTE5NaXI2YXJwLVdkaXF0UVRTcnJuc3R2RGI1XzBuTGd2X05jT3BVSlZJVEZKVDlDQVlZN051TlZfM2U4dHJ3eUVlTW5XTFJLWVo2MnctdE5Ydjk1Mk5iRjY1VC1PSG83T1pkdFR6NVdSUWJkUEl4R0U?oc=5) · Beaver County Times
- 2024-11-29 [Biz in the Valley: Aura Coffee & Company offers ‘homey’ gathering space in Aliquippa - Beaver County Times](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOYmJ4ZXFmRERUX3RsejM5X2dITEI5WUY4Rl9uZGJId3NYd0xwcVFsSFI5c3VEaGdNWVllSDZCNzlSb25nbWV1ckJXU0V1a2ZsQUdwUW05T0dyenNxdFAzejluaVZmN2k3WDVHZmhUaXE1VTdJZVdzN1hRUUVnenI1dmc0V185bW9mVU9zOTE4Y29mSHZqWV9IN1FQUjRKWjQtejQ3SXZBX2dsbGVyeEdsaENmM1llaDZ2eVo0djZxMmFOSEhRT3VCSHhKM25RQXhGTmI5NEsxU2Nudw?oc=5) · Beaver County Times
- 2013-12-05 [Alfred (Fred) Guy Clerici - Ellwood City Ledger](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbFRhT0NXUldTcUxtaGdUcVJvZTJzQXZ2RDJlVEhxMHVVazhSc1pqM1NkdDY5VFhIMEQzeFZCMmxmVVlXQkZ4ODRfOHU5NFh4NGk3OUN2cHgxbGE0U0c2bWNxSXRHcEhYdjBTalhhbVpnMkN4Z2U2OWJRRTZueF9JU3JGa1BQQVEzX2s1ZFpaNVFQZ2dHN2Y0?oc=5) · Ellwood City Ledger
- 2020-03-22 [Albert Tripodi Obituary (1923 - 2020) - Beaver Falls, PA - The Beaver County Times - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNelVhZnE1a3NfUHJsb2wzQ0k3Rm1EeXdFUXVoclV2MVNFdTg0UFh4VXJFTHM3RGFtbkc4alhvdGU0RDdjYnRnaTdFT2o4RzY1dk50b2NkZWRmeG9VVzRCWU4yQy1ZUjZiUU5JaGZIMzVnNzh1UWNhV2NWY1RBRkxOOTZCbjdmcHUtOHdvMkxlTmdhUQ?oc=5) · legacy.com
- 2022-01-08 [Paula Marie (Miskulin) Dobrosielski - Beaver County Times](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9lWjZ4ZHR4TkF1X1NYWkxnVVdtaThxM2pud0hKbUI3cDZPdXZPRHVNUnJQU0lLV1dsVVROeUxKN2ZUVUNLYzdJX01vWGVtLW5iaEJRaDBuQmxZT2M?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4794 (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/58.json (key "4794", 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=4794
- 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