# STEEL STRONG COMMUNITY
Elizabeth, PA · NCUA charter 4828 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/steel-strong-community-4828

Who the members are: federal charter, community charter, organized 1942, low-income designated. 2,370 members of 63,329 potential (3.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.8M |
| Members | 2,370 (2.5% YoY) |
| Full-time staff | 6 |
| Net worth | $8.0M |
| Net worth ratio | 24.4% (p85 of band) |
| ROA (annualized) | 1.76% (p90 of band) |
| Total delinquency | 0.48% (p43 of band) |
| Net charge-offs (annualized) | 0.50% (p76 of band) |
| Loans / shares | 68% (p65 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.02% (p87 of band) |
| Operating expense / assets | 3.65% (p50 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.41% (p48 of band) |
| Vehicle NCO | 0.48% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 13% |
| Average share balance | $6,280 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $10,610 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-02-13 [Credit union snags former Rite Aid building for new branch - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNk5BMzVmZUN5RHRqVmJwMzZCb01ZN0xhUlU3bm5CWmZ0cHltdlBwQkRjVEEtS1VuTmZ6SFhJY1h3eU1jZFEyVzU5aXM4RGxHc1BvX1I3VmtGUlhCZTJGbTVZLVpYWTNDd3dnY25RWGp4cE5CSmt1YW02V0REV08zYjRvVW1aMVFoRXp1OGhPZFVTTDE2N2JZU1B5NA?oc=5) · The Business Journals
- 2026-02-19 [Credit union snags former Rite Aid building for new branch - WPXI](https://news.google.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?oc=5) · WPXI
- 2026-02-02 [Credit union buys former Rite Aid in Elizabeth - Mon Valley Independent](https://news.google.com/rss/articles/CBMimwFBVV95cUxNQzNocFhnLVRnVjZlR0wyVFdfLUZ4dlpHT0MxbWR3WUZhNnY4QVBIbEMxMUhRUXZLZGtSd2ZLRmZjUmNKWXV0QWtFMVRnYWZvOHB4Tm9XRHJ3OVQ2bzBqWWZSZzlVdE1QN0ZHX0I2OEQzZGMtRWl4QW5NclJNVWxUNE9Nd0Y5TXNxUXJjdnVGX0p1WFRpU211UVh1Zw?oc=5) · Mon Valley Independent
- 2026-05-29 [How Dollar Tree is taking over former Rite Aid sites in Pittsburgh region - TribLIVE.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE85OG5tUFh6TTJGSkR0b21KTWhjSzVnQVBrX011WWF0b1Roa09Ha0I4VjdBOVhUOVFKTzFGN21JbUNrVEhsTDk1Mk00aGgxUk5ZTkNKaEx3?oc=5) · TribLIVE.com
- 2026-02-17 [Two former Pittsburgh Rite Aid locations to be repurposed - Audacy](https://news.google.com/rss/articles/CBMiowFBVV95cUxNbExZNUFWd0ZlcHVyVHVrRTRWdzVaSVREWFBRLUQ2aUFyZ1k2bXVTdlNBQWx2OTFrMDN0ak5wYkYwR091STU2RTlvZ3doWmtZY1VaTlRLSXNJQzdHSTBySjNTMUVkT0NkcjdWYlBnWWR2Z29MU253Y2prdTBqalM4TEhJZFJoRXFUdl9KakZqcHFxZXRETkNseTVmSnNMMWtkbUc4?oc=5) · Audacy
- 2026-04-14 [Annual Boston half marathon, 5K set for Saturday - Mon Valley Independent](https://news.google.com/rss/articles/CBMinAFBVV95cUxObVJ4Q0xHWTcxR01yRzkyVHdJNHZaelVKdlZIVFgyXzl2d3dmYlBWZlgxWFFZRVg4WDhaYUNJYzN3WGJjNnRDTlZRODAtMlFwMFJ0QWZpVFNmNVJGNWxoMjlubHAxY0dBZmtGR1JPQklORDB5U3g3b0pVeEpKeEdmY1JSVWZod3BsVDZsaXJIeW1QWFZFcktxb0pVdm0?oc=5) · Mon Valley Independent
- 2025-12-22 [TribLIVE’s 2025 Best of the Best: Pittsburgh East winners - TribLIVE.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLWs0dWJYN21iWmFGLXZhelFYR0pkX01TdWJKRVVHMzk2emhLZWFqVmp0WWg1M0k4cXg3cHJobVBhN0w1WGlJVHpxZEc2dklsUHByZjZ3ZUZodTBrb3k3ZU96azg5d3FSUER6Ti10VlRXMXdzMUFsbEZwVmJUV2NOZVZwX2pyWEMxY1R1Rk5haUZQamI2dGhqbkdB?oc=5) · TribLIVE.com
- 2025-12-22 [TribLIVE’s 2025 Best of the Best: Pittsburgh Southwest winners - TribLIVE.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRDgxeGxKQ3JvSEVZakpETzdLTDBfVVJKU1NrUmxyT3FTZFAyTGwwNmxDc1l2MnBnSkxMUzlLc3IzUno1SFJra0gxaWJ5WkQ2UFB4S1ZRVFo5QmEwbENaaFZPOWNJWG83QkFiQ0g4dzRrbU9kNm1UUEhiMmd4dTFxbmpxNm1MWXhSSFlvN3puTGdrNGg4WmZoeHVJV0toQnp2?oc=5) · TribLIVE.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4828 (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/28.json (key "4828", 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=4828
- 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