# EQT
Pittsburgh, PA · NCUA charter 5028 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eqt-5028

Who the members are: federal charter, service (single sponsor), organized 1943. 846 members of 2,000 potential (42.3% of the field); checking penetration 13% (share draft accounts per 100 members); loans per 100 members 14.

**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 | $28.4M |
| Members | 846 (-7.8% YoY) |
| Full-time staff | 2 |
| Net worth | $4.9M |
| Net worth ratio | 17.2% (p63 of band) |
| ROA (annualized) | 0.08% (p27 of band) |
| Total delinquency | 0.16% (p29 of band) |
| Net charge-offs (annualized) | 3.40% (p96 of band) |
| Loans / shares | 8% (p2 of band) |
| Cash / assets | 91.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.31% (p2 of band) |
| Operating expense / assets | 1.23% (p3 of band) |
| Vehicles % of loans | 67% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $21,461 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $15,783 |
| Loans granted, annualized | $356,644 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 | charge-offs p90, repo signal | delinquency 2x band, delinquency rising, members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 | assets shrinking | charge-offs p90, repo signal |
| 2018-06 | 2 | delinquency rising, members leaving | assets shrinking |
| 2018-09 | 0 |  | delinquency rising, members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency rising, charge-offs p90 |  |
| 2019-06 | 2 | members leaving | delinquency rising |
| 2019-09 | 4 | delinquency rising, assets shrinking |  |
| 2019-12 | 2 |  | members leaving, assets shrinking |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 5 | charge-offs p90, members leaving |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 3 |  | delinquency rising, charge-offs p90 |
| 2022-06 | 4 | net worth falling, charge-offs p90 | loan book shrinking |
| 2022-09 | 2 |  | net worth falling, charge-offs p90 |
| 2022-12 | 4 | assets shrinking, auto monoline |  |
| 2023-03 | 5 | charge-offs p90 |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | delinquency 2x band |
| 2024-03 | 3 | delinquency 2x band | members leaving, charge-offs p90 |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | delinquency rising |  |
| 2025-03 | 4 |  | delinquency rising |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | delinquency 2x band |
| 2026-03 | 5 | net worth falling, charge-offs p90 |  |

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

- 2025-02-26 [$6.5M Diversified Energy, EQT well plug class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPX0s0WXhzYnZ2bmNheHpzclZtRU9vbXZIT1pFR3ZzbW1YVzUtWFRISExmZVc1N0NRb3JXblE2MVdyR0UxbkhaWVlyZ2VWb09GUl9xS2xrOEpWYjVUZm1aamZqUUNBYzBOcndoZFR5OUJ1UUdvLUlzZ1pFc1h1TE8wY05OM2ZHeHI3cXdwelljUmFjejVGQnZWSG14OGlxUkZKTU1KUEtFZ1dvVGl1SlV0N2V4TVdkemNNeGhVLTgxSGpKbG9QNXZxWQ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5028 (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/36.json (key "5028", 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=5028
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide