# COMMUNITY REGIONAL
Kingston, PA · NCUA charter 60413 · asset band <$50M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-regional-60413

Who the members are: state charter, organized 1952, low-income designated. 2,059 members of 425,326 potential (0.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 223.

**Verdict on the desk:** this could be *participation buyer*. 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 | $22.4M |
| Members | 2,059 (-2.9% YoY) |
| Full-time staff | 5 |
| Net worth | $2.0M |
| Net worth ratio | 8.8% (p21 of band) |
| ROA (annualized) | 0.22% (p53 of band) |
| Total delinquency | 3.33% (p90 of band) |
| Net charge-offs (annualized) | 0.49% (p84 of band) |
| Loans / shares | 45% (p44 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.70% (p21 of band) |
| Operating expense / assets | 2.57% (p39 of band) |
| Vehicles % of loans | 43% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 71% (p94 of band) |
| Vehicle delinquency | 0.11% (p42 of band) |
| Vehicle NCO | 1.24% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 2% |
| Average share balance | $5,946 |
| Participations bought / yr | $2.2M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 223% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $1,993 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | losing money | repo signal |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving | losing money |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | net worth falling, members leaving |  |
| 2019-06 | 1 |  | net worth falling, members leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 4 | losing money, margin squeeze, members leaving | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | thin capital, net worth falling, delinquency rising | members leaving |
| 2021-06 | 4 |  | net worth falling, delinquency rising |
| 2021-09 | 3 |  | losing money |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |

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

- 2018-06-21 [47 People Graduate From Development Education Training - cutoday.info](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQkdhOTAyVVRHdEg0ZWJiRWVxN244cGxJRFpkOUUtZlpwMHhlMGxVSi1SalJ6UmR3V3Zsd3JOcUdadFhGUUpHbWtpVmFZNV9EWEpMUGdMby1wcnIxU3hUZHY0ckltbVdBeHZkc1V2NkxROC13dDNiZ0ZJOXJ3QU9pcjBaa0pCVWpaSTdSSGhDTExpMUkydXc?oc=5) · cutoday.info
- 2024-04-23 [Wilkes-Barre council to mull funding 1 year of overnight shelter for homeless - The Citizens' Voice](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaHJTT3hDUDlhd25OVDFnZFQ0WklvaVRFWWVudkg0TGVWRTJUbi04T3dSQjFXWk90SG1wdWJYT1RJSjBYaXZ6cmF2NjF4LWNuaEl4eE9pZmxiTHZHSmNXY01jdWtHcktMMnlLSkU2elhCM1Q0NHViWWdRbzljc0R3cGplaWRNS09nTmZWSXlIVmtSRU5lTnREZDkzWEhDQWhjbzdsMDBCaGhHbWxxNktYVGFnRm44OTY5Tlhj?oc=5) · The Citizens' Voice
- 2020-09-30 [Times Leader honors 12 ‘Distinctive Women’ at luncheon - Times Leader](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN3JyQzJvOUFKOGpzTmFFMDdVOG5SMkpGeXBIMnRkSzBkYmZ5eFpfZGQ4TkFmWTdudDNJZHNvaVNXeThpRzV5WEZSZ0lYUHItMFZxY05BZDZUM01ycUN3MVlocDNMYlNHdXBqZzlwdWNYV2R1SHdKQUxUdHVPT1ZVZU53VjRjY1dIQVpSdlRXVHlaTUNJVHkw?oc=5) · Times Leader
- 2014-03-21 [Atlanta's top 100 leaders in finance - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbHhENzV6YjVqQ01UNktVRTVUTDlzcE5zUlFUeVNET2RBTV80QjVnLTRHamFVTkgzakxnQmVvTURuUFQ0c2tKa0QyMzdOUTlrX3NEdE1SLUtSZmM4UzA3MTBnV3U4RFA3NHBSeTBNelhnSEJmTnFBZmpsS05TMWNyRml0YUFRMmVHczlGNkI4VVVsMjRPNVZQZ2VHNUZNMzkxbFdxcw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60413 (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/61.json (key "60413", 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=60413
- 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