# LANCASTER RED ROSE
Leola, PA · NCUA charter 60113 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lancaster-red-rose-60113

Who the members are: state charter, organized 1948. 4,789 members of 558,211 potential (0.9% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $54.2M |
| Members | 4,789 (-3.0% YoY) |
| Full-time staff | 5 |
| Net worth | $7.9M |
| Net worth ratio | 14.6% (p67 of band) |
| ROA (annualized) | 1.66% (p89 of band) |
| Total delinquency | 0.36% (p34 of band) |
| Net charge-offs (annualized) | 0.24% (p49 of band) |
| Loans / shares | 50% (p30 of band) |
| Cash / assets | 50.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p73 of band) |
| Operating expense / assets | 3.15% (p36 of band) |
| Vehicles % of loans | 19% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p59 of band) |
| Vehicle delinquency | 0.54% (p48 of band) |
| Vehicle NCO | 0.11% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 8% |
| Average share balance | $6,741 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $342,188 |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,802 |
| Loans granted, annualized | $12.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $342,188 outstanding purchased (4.3% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | assets shrinking | delinquency rising |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 4 | losing money, assets shrinking |  |
| 2018-06 | 6 | net worth falling, loan book shrinking |  |
| 2018-09 | 6 | charge-offs p90 | loan book shrinking |
| 2018-12 | 5 |  | net worth falling |
| 2019-03 | 5 | loan book shrinking | charge-offs p90 |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 4 | charge-offs p90 | delinquency 2x band, losing money |
| 2020-06 | 6 | net worth falling, losing money, margin squeeze | assets shrinking |
| 2020-09 | 5 | delinquency 2x band | charge-offs p90, net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 8 | thin capital, net worth falling, delinquency rising |  |
| 2021-06 | 8 |  |  |
| 2021-09 | 8 |  |  |
| 2021-12 | 7 |  | members leaving |
| 2022-03 | 6 | members leaving | margin squeeze, delinquency rising |
| 2022-06 | 5 |  | loan book shrinking |
| 2022-09 | 5 | assets shrinking | net worth falling |
| 2022-12 | 5 | charge-offs p90 | members leaving |
| 2023-03 | 3 |  | losing money, thin capital |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | members leaving |  |
| 2024-03 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency 2x band |  |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 1 |  | members leaving |
| 2025-06 | 0 |  | assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2020-09-29 [Judge Richard H. Simms, Sr. Obituary Sep 29, 2020 - Charles F. Snyder Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE1wVVVRbi1qRUd3dGQ5SUZDd3FNRk9DNmVHUEQzWXFkR3dVM3NJbk5BYm9mUFJJTmNaWFptZnNjc3Ata2U0YlAxYzhxd0pTQ1dIVW5YUmR3cktFOUstSWwyOHExOUM3RDBQajJISGtR?oc=5) · Charles F. Snyder Funeral Homes & Crematory
- 2026-05-19 [Mary E. Shearer - Furman Home for Funerals](https://news.google.com/rss/articles/CBMibEFVX3lxTFB3cmJfZlhjZWt4T2lDd044ejdHSmhlekw1TnZhYTZhc20tZjFaOTdVWi0zVnBVZ0RCNVBkalhVUGdmRS10SXJLQ3FHclY4eWZOQU95QjRqdkQzaVlyejcxQ3JNNXRjVndHU2FhbA?oc=5) · Furman Home for Funerals
- 2022-11-28 [Toys for Tots locations throughout Central Pennsylvania - ABC27](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcFUzS3NaQmFFRkFwSWpuVlEtaXJIVkthVkpXUkFXQUplQ1ZPS3F1Mll4YV8xSDVpU3hsTlUtM3dONl9xWW10MlQ3eURsMEFmS0FfSFJBakhJdzAtVmQxZzBUQlU2UG5jSkZpd181RUZUZ0pTQzdlbWZjMlpxaUJFUnp2WWR2U3RaTzJWLTB1U21CVWPSAZgBQVVfeXFMTVJmQmt5TlZlZThwWW5RelU2dDJpNVRMWldTLXBMR1RTWFJoVktQQURXTTFldlljOE4xZE9ycGRlOHhsVTQ1TU1sTEVBcmVtS2dPUG1OWDhxNTBSd1NtNjU5eEJRZlVGTmV6c3FNeUt3b2dhRm1FSEVPNGNHenhLeEw3T3hmd1VPc29YNGJRQXNZV1lFOVFFTy0?oc=5) · ABC27
- 2021-05-13 [Burle Business Park sold to NJ investor for $30M; upgrade planned - LancasterOnline](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQbEpWOEJnaTMwZTJfSlJqZGZNTkY2ZWhHOHpXblpvQ0RQeFVyS2ZtNWstWFJDSmIwQ3lqelRqclA5ZEttMXkyYXA3MHU5UE03TmtmbVk0YnExMXBYR2RGWVJ5dUdNeE9MRkdlSVYtTDRaTTFibFdaclRTLXFoUWcxVEJVTENwNDdMSHFSYkc4WG9MbDBJdnpOelh6Y2RheVN5N3dLNWx1b0d6Q2JqMWh1OVRNVml4cl8tMUxXbmVrUnJBZl92aEI2anlWODdfemduT1FwTHpOQ2xHNVJsZmw1MURGZGIzRXg2Q29aTlFlcElHOTg5WGNGeg?oc=5) · LancasterOnline
- 2016-08-07 [Moving Up for Aug. 7, 2016 - York Daily Record](https://news.google.com/rss/articles/CBMiigFBVV95cUxOREVmOGFwT2FMS1V5Sjh2NWxoTklMWnA4LTNwSnhkaGkyRWctbWNJUm5LRF9zU3lJOW9CRllGbHdnalk5VmFxTFZaanM1eHBQanRFdkdJVTIyUzkwS0RaN0pxWTROVlM0UEJuM2ZMZ29PREdQZklXVTNqMy1YOXVIS2duc0UxMmEtN2c?oc=5) · York Daily Record
- 2012-01-02 [Kenneth R. "Richie" McClune, II | Obituaries - LancasterOnline](https://news.google.com/rss/articles/CBMitwFBVV95cUxQTWFGMzdzX3ZjcFNHb0d2QWZtUEZzYXJkS015ejl3N0ZWd0ZJSlM2Z1ppU3lCUThyMkNGM2JCQkZMTXUyTllLVnlYLTFIb05QcXlGMkV6UHIybVBXZFVTUW1LNmtyajNVWlp0TTgxWng0QzdCT0w1dnVubjZBZ0MwNDM3NDdOb19tWmpjcXBfRWN2YkMtSTgyTWhBYzNqUFVGWjBzQXZuWS1lMmJ0Z09sY1kzaHRKMUE?oc=5) · LancasterOnline
- 2013-02-09 [Emma Victoria Kypreos - LancasterOnline](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdWM0ZlItZjg1dDBjZ2NiYUlqYlFlZlQ2OXFZNDFsTThfWm9CRF9PdzZFcmJPNEo2a2Y1MTFjZjc2bjJfZ0d2UG9lekl1LUhrUi1DbUZGaDJVMmVCYzVZdmdtNUxtbUo1ZXo2VV9uSGFBYkowSHE0aEg0Yy13UWdNNUNQSHRzVW9QeFlHX0hNamdZczh0Z3U4UlJKcVVDYlZLZVZNa1hBYVlMSURHRTJZ?oc=5) · LancasterOnline

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60113 (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/17.json (key "60113", 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=60113
- 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