# DOW NORTHEAST EMPLOYEES
Philadelphia, PA · NCUA charter 5160 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dow-northeast-employees-5160

Who the members are: federal charter, multiple common bond, organized 1945. 1,949 members of 4,000 potential (48.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $20.5M |
| Members | 1,949 (– YoY) |
| Full-time staff | 4 |
| Net worth | $3.3M |
| Net worth ratio | 16.2% (p72 of band) |
| ROA (annualized) | -2.20% (p3 of band) |
| Total delinquency | 1.35% (p63 of band) |
| Net charge-offs (annualized) | 2.91% (p96 of band) |
| Loans / shares | 41% (p26 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p46 of band) |
| Operating expense / assets | 3.60% (p57 of band) |
| Vehicles % of loans | 22% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.18% (p80 of band) |
| Vehicle NCO | 0.65% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 20% |
| Average share balance | $5,233 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $7,794 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | delinquency 2x band |

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

- 2018-10-01 [Bank Notes: JPMorgan to add 60 branches in Florida, Georgia - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWmhoOFRsdlhxN3lWVThGSHc1SkJsQ0FtRXB6Q1FGYVdIaU1jN0xoUTBWbGhOU3FIeGE1QndSOFVUZ2JOWWFGOGpFRnlGNF81d3U0MERGSmtNZjdDTXpJc2dsTTZRdHRFQlVBNWQtR2U1V2NwSS1rTU5mWEhwR2c1bWRfd3BBRk1KbHlzQ0VrallCVS1DSUxTWndmdjVsdkNqVWZoc2g0Rnhlc0M5akIw?oc=5) · The Business Journals
- 2025-07-25 [TruMark Financial Joins Other Local Credit Unions to Donate 3,900 Pounds of Food to Philabundance - MONTCO.Today](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPdzNRVThjNTRSLXNWM2cwMERfS0NTRmhXYmR5QlNlZjR1Y25tZmhyWG00ZDZIM0daZGxzNGZxRVoyejNLS204enZBZWRqeXVyd3F3ZVBrbWxZdi1MaHBWTzUwdk5QYWhzeW9GNk9MTVN5S0VJeEpDai1iYUE5akU?oc=5) · MONTCO.Today
- 2020-01-03 [TruMark seeks to complete another acquisition, add four new branches - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdzhxcXEyb1kzSHBGalBIZHVMUnRhdVRvLXhlb2hHbFhaWXNKbHlaUmZjRjc5dlE4bjJ0cVNuUExld2ppLXhva0locE5MTEZqS3BDOE95amVWQzhkQnZHYy00UzJ5OVhhYmJOaGs2ZWpKYjU2OWt1WnVIVkl4U1Y3ajQ5NVRzRGVvTV95U2N0NGlCMFFzdE05QmVwSlBoSG41dkF4TC13d3lzNHluYXhkVQ?oc=5) · The Business Journals
- 2017-07-13 [TruMark Financial Continues Its Acquisition with Philadelphia Mint Federal Credit Union - MONTCO.Today](https://news.google.com/rss/articles/CBMitAFBVV95cUxPLVFtOGEtZG9Lb3JkUnlyeXItZ1RYamtkbDE1d0JiR2JmajExQVdaNWN0OWpsVWh4VjRYZEFYVDlfdUFIQ3Z5OVVGc05VRndTYzBsSm1vNjhEY2hWM3ZrRWstMUVkR2J4RWJlMnVvUm5MSGRVaGFIZlhCRnVCSTJoandTTlR2VDZONTVDNUxaWk1rU1dYdUFDd1RySTZKTzBKYVZQMDNOZklRMGkzWHo4WHVaNlU?oc=5) · MONTCO.Today
- 2023-11-01 [TruMark Acquires 8-Person Commercial Lending Team Led by Daniel Krewson - MONTCO.Today](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5tY29YSDlXSTZLZXVodU1fRFFQdjMxUFBTTmtjUjFmNGFyR1lpNmlVNTQ0Tl82Mm9pa0t0QmtHSXYtZW5zRGhRUVFZNktqTklOeHItR05Xb3VqR3drOHZpWkpR?oc=5) · MONTCO.Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5160 (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/40.json (key "5160", 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=5160
- 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