# HERSHEY
Hummelstown, PA · NCUA charter 6095 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hershey-6095

Who the members are: federal charter, community charter, organized 1949. 9,341 members of 440,000 potential (2.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $126.2M |
| Members | 9,341 (-0.1% YoY) |
| Full-time staff | 29 |
| Net worth | $11.7M |
| Net worth ratio | 9.3% (p17 of band) |
| ROA (annualized) | 0.69% (p50 of band) |
| Total delinquency | 0.86% (p67 of band) |
| Net charge-offs (annualized) | 0.29% (p45 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p69 of band) |
| Operating expense / assets | 3.81% (p56 of band) |
| Vehicles % of loans | 22% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 141% (p77 of band) |
| Vehicle delinquency | 0.02% (p6 of band) |
| Vehicle NCO | 0.53% (p50 of band) |
| Repossessed % of vehicle book | 0.18% (p85 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 129% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 26% |
| Average share balance | $7,241 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.8M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $29,328 |
| Loans granted, annualized | $33.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.8M outstanding purchased (41.1% of net worth), $2.0M sold and retained. Sold in 6 and bought in 0 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | net worth falling, delinquency rising |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | 3rd-party paper>100% NW |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | capital below 7% |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling, capital below 7% |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | loans>95% of shares |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | loans>95% of shares |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | loans>95% of shares |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | delinquency 2x band, loans>95% of shares | thin capital |
| 2025-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 1 |  | loans>95% of shares |

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

- 2025-12-08 [TREEville Trail Guide at Hersheypark Christmas Candylane - Hershey, PA Stories](https://news.google.com/rss/articles/CBMikwFBVV95cUxPM2M1Zy1NVS01UEstZ1lZZVZOMERmcm1lUTB6LVU5UEpvTXhrMFBXRjRYeEJmaWNBOWpDbEVNUHJlRllzZF9JZzk4WHdFS0ZvbWVWRHNWVGNaWmlpT0tQc1c1N0RKZlVfM0dzM3FJTWxOa2lzUE02U0ZiZ2h4VVlZbnE0VDIyd0dsajJEbTM5aHFtLVk?oc=5) · Hershey, PA Stories
- 2026-07-20 [Mumford & Sons’ 2026 Hersheypark Stadium Show in Hershey, Pennsylvania: Everything You Need To Know - Holler Country](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQRmlDMjlteHJYMi1raUpCOW42YVBkc2IySVVuYl9ueGFpUi1rOG1ldlBmUXktZ1ZhZi1hUGdEd2RGM1NueFVUN201MTlqS1p5Wl9HR3VvRDBTeXFRczNTdkItZEw4WXA2Y01nXzhGVmYydXJVR1Brb18ySzhrTWlFajRhS194UWd1QTV6Y200TVV3RFFhOVhKV3RXdGtFQVNiaUs5cnpoazN0RWhCWjY1X0gtMDB2R0tfc25ObXlzZE9lNGZzNzlYakRENnFackFl?oc=5) · Holler Country
- 2026-07-27 [Guns N’ Roses Setlist: What to Expect From the World Tour 2026 - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5RTW9pTXNzUnFrTXY2b09PWmRzX3AtdExYbGdZcnlEeTNsR1JBdnVDQWx0Ykk3SFQ4TGVaTFZXTGg3UVZaQi1NVjJyMy1ka0RDdkVpT3Zmb3FsRzJuWkh0Ng?oc=5) · Ticketmaster Blog
- 2026-01-13 [Five Finger Death Punch Joins Forces With Cody Jinks For Massive “20th Anniversary World Tour” - That Eric Alper](https://news.google.com/rss/articles/CBMizwFBVV95cUxQa3ctZ2RnU18td1ZveUs5XzY2RDRNY2ZRTEtMVXhrNHJPdHNQd3V6TmdrNnJlRmd1ZndxQW5VdVZYQzBNRk9TR0s1el9sZGdCS2xlSTJXbUtYUFRlTThobXREb1lQS2xBcG1vZ3ZGTE1XNzVUc1Ewdk5yNWVmWGRBX2pGYkZpZ19zSEp0NkFmT3JPczYwblZ3dXVuOXMzMU9QUnFvbVI4NmF0TzdLd2szVGRpX0w1akpLbHBnX0xKa0M1MTlwcFBmT3ZuVUI5ejg?oc=5) · That Eric Alper
- 2026-05-15 [Pitbull Setlist: What to Expect on the 2026 I’m Back! Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE13UlhrRjZJdFE0U2Q3M0pHclVWTXNpWUVOWmNuUmc3d1FMNTVSTVh4QTd1cGdBY0dQWU9QV19hMVd4WnhpMEFNeDZYVGVWUF9sUWJlY2ZWb01FZw?oc=5) · Ticketmaster Blog
- 2019-06-03 [New officers and directors to serve on the Pennsylvania Credit Union Foundation’s board - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOOWRCMy1jc1ZiS25nZkNVbWlXSWRtWWY5RlRKQWxEclV3X1hjMkJfRTJ1SzRrTTVDR2UwNVpWaWU4LXdicXNWYlBTVmVKODdoWHVPYVJlT2tiQjgxUWN6ODZhWUlTT3dleGswTEF4RllEQkhzckwxR0xEVG5xbEQzR1hIaldPNDY1NFNYcDJBSlNfREFjcndncldZM184MmczSVlzN09PM01pNW9VRER0bHRSYVpZajBGaU5yMFdoZkxrODFOQnc?oc=5) · CUInsight
- 2025-09-30 [Twenty One Pilots waste no time turning Hershey Park into their playground - MELODIC Magazine](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc3FkSEZubGp3NmUxVEFyMzBLd2ZJUS00Z2FQSXZVbTZseUpXSXFKVXBQTmJSLU1INk1ReGEzeF95U0pRSmstVG1Ob2F5UzlsWHh6TmN4LXZuZ3dMRmtVdEw2X0QxWTB3anZzdy1sLV9PLWwyYWY0OHZ3dUtTQUdlUTR6N0ZSQXd6Y1ZudWNSWDJvTlNpc0VacjIzU0lNWlByaVVCcEhSMXNyQjA?oc=5) · MELODIC Magazine
- 2024-06-07 [40th Children’s Miracle Network Telethon raises $361,528.43 - The Pennsylvania State University](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaG40NE8tbzM0SnpfQmV3VEFhZ3FLRVV0U01OTHJoSjBJWHdHTHQ4R0RzTnEybW96UEJfTi1HX3QxZm5ManpVNFRETnA0cWhQVXpVOG0zMF81UXFHWmMwdnZtQXRHOFBzTTl1alFCLVBNVndVVklDZERES0JwSHVYYmhwaGtna0FUOGNmYkpVMkpIcGRCVVBWbGdB?oc=5) · The Pennsylvania State University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6095 (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/15.json (key "6095", 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=6095
- 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