# ACCESS
BRISTOL, PA · NCUA charter 61101 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/access-61101

Who the members are: state charter, organized 1972. 4,099 members of 30,000 potential (13.7% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $69.2M |
| Members | 4,099 (-4.8% YoY) |
| Full-time staff | 8 |
| Net worth | $8.2M |
| Net worth ratio | 11.9% (p40 of band) |
| ROA (annualized) | 0.44% (p36 of band) |
| Total delinquency | 0.63% (p50 of band) |
| Net charge-offs (annualized) | 0.43% (p66 of band) |
| Loans / shares | 52% (p34 of band) |
| Cash / assets | 34.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p14 of band) |
| Operating expense / assets | 2.60% (p18 of band) |
| Vehicles % of loans | 10% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p62 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 8% |
| Average share balance | $7,121 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $340,037 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $20,809 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $340,037 outstanding purchased (4.1% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 4.6% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | members leaving | losing money |
| 2017-06 | 3 | net worth falling, losing money |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | net worth falling | losing money |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 | losing money | delinquency rising |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | margin squeeze | net worth falling |
| 2021-03 | 3 | delinquency rising |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | delinquency rising | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | net worth falling | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | net worth falling |
| 2024-03 | 1 | repo signal |  |
| 2024-06 | 2 | net worth falling, delinquency rising | repo signal |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-03-02 [Citadel Credit Union Completes Charter Conversion to Broaden Access & Support Responsible Growth - PR Newswire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNYjUtMVpuYV8zeWpra0NfekFBMWkzSGRrYndiM3p4Rm9lT2FEb3JjVkdfZVJkZkpDYVdDazVfR1pCNV94Q1VRM2dpck9yem9sYWlRT29Qdmx4bjFOWkdPZmFDaXA4TTJXd0FSdjV2N2pXZDJ4OUk4SjFPdmdnUlFxVlkzVDg2ZUpRSkMzV1ZqQ1QtaVUwbE9fVUVhbm1uU1dieFlDcTdRaER5NXk2TFk1T3JRLUxjcHYyZW1uS1pZdVVLMlpBYWRNNFAzU3lBQ2Q0djVObkVRbEVkV2JWM2UyVGc4WVdPUQ?oc=5) · PR Newswire
- 2025-12-17 [The Growth of the Credit Union Sector and Its Implications in the Third District States - Philadelphia Federal Reserve Bank](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNcGlLcVRublc4d3NzaWIxRS1uaDNlQ0c4MnVXZXhQNWQxbFgtWE1scU5iT3JwVjVEY3VBRkdBOHQ2SXdwSEdjRXVMTDkzRG1WRTQyc0F4b1duY0dNZm1UX3FwUF9RM01LS0tRQTZ2TUZFMGkydXc3T2NNWkZhaURDWTBBQkZGc0F3OFdGd1B1RTRycExSdkxGU3MyaDU2ekRqbF9UOEJtdjg4OWV1RlJkblpPYjRJcnEwYzR2elN5MVVyLVFDczU0MjBoSTFuQmk0cVQ2WVRHRkZLZTBjVW9Rd0g5NmNhVk5oRC0wLTZKREkyUQ?oc=5) · Philadelphia Federal Reserve Bank
- 2026-04-09 [What Are the Top-Rated Credit Unions? 4 Options in PA - TheBurg](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaUdobXFFb3VudnBMNW1KTU9WY0lkSVNiZGlYUUhYa0EwckpyY19HUlpLVGg4eTZUcVlBaWN1ZUhER2kwMnRFV2xrQ3RKNlVvWmpxQVFXU3ZqX2xBdFZRcl93VWI2U0dDZFpQdGtrQVp4a3NvNGdkbi1La3dNVS1scUtOUjctNm5Ya3FiWVFULUZoZWdpNWp4V0k0dl9uRUdUTEE?oc=5) · TheBurg
- 2026-06-26 [Northeast Homeowners’ Guide: Best HELOC Rates Across State Capitals - harrisburgmagazine.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNLVhFNEtrcVoyajdrUDhoai1lN1VmbmRoUGhvM0t2cjk1SEZLbzB3ZnhEUGhYaUNzT3o0Z3YxcVV1S0d6R3U3RlYzWVVlZWNxNHJGXzk2NXZ5b1kybHgzOE5NYW9BRGIxclhtcU9pWDFlM3Bzczc4N1ZkZTlPdmFNNmtxa0NNRkVnRzI5THh0Tk96bEpJZFdKMnZBMkhYZw?oc=5) · harrisburgmagazine.com
- 2026-03-06 [Credit Union receives approval to expand into Pennsylvania - ABC27](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcE1EekhMbmpBQ2kzbWJLZEZYVjlwVnVHMGpEbERFekFvd0ZZMUU5MmVkLUJJZ1hia1NOVVhOQXk3WnFzOG1MV0NlV2pZZTJXNDVuUmpnQ0JuMk5QUjdWSjFqN3lWWUZNd3VCVXAwcG82QUJtQ2wwUko4d0ZiakRXRnZXWndBZmtMVi1pSVdYeUZMRTZCdGFv0gGcAUFVX3lxTE5ZWWFQMDVmb1ZxYmloWkpfQTRKOE16REVQV2RkbDFtX3o2bVd3dTNGZE1hVWJxTmZOd1VCWjBLS0cwZll2azl5NmhST2FFYnRGQ09vN1U5cnc1WGdnS200UGp6RF9tWjZDN0oxUnhDZk03UEZxYkV5ODlacmR5SEVjcV9pSFNrdU1fNEhZYmRNM2Y1TWh1YllYSUN5aw?oc=5) · ABC27
- 2026-04-08 [Finanta opens first credit union branch in Reading - Berks Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRjNHRlM4aEhpRTRZd3U0MXlkUktwWDlZM3BNdTMwak55SGVnaGgzSlBkdExuUFNidFJ2X1pLbFNGakxqUXlmbF9Vb2htN0dmNVAyTkdMd1RjMWM5alZLejBHdm12ZlRCaDgzQms5ZHlEZi1raHlSQ0tVdlJGQjhMZEJvdUpyWmhndXduRmd2VTNUSGs?oc=5) · Berks Weekly
- 2026-08-03 [Credit union opens branch in Dauphin County mixed-use development - PennLive.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQUmFCTlZXMWpZOVVHVFB5cEtQS2ZfcDRLRGtjX1c3UFMyWWltcUh0V3Z1YmJSdldjNE9LY0JZU2d0WGNIOFdOS1lQc0dYOGZVWDRvaUlXckp5TXVjZEc0ZVhaLXVWNDJfZXRDc3ZaQklJQ0hZZzAxVG5FS0J2NlpSTXpPYUVDQ2I5WVdqbDB1eEVXTmxYQ29TZVFGSHJjVDFTNFpnZzI0WmdOdlFJbGQ2eEZn?oc=5) · PennLive.com
- 2026-04-10 [Looking for the Best Credit Union in Pennsylvania? Consider These 5 Top Organizations - Grit Daily News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE00OTV0Mi02M01DcEVlTXJsVWxTVVA1XzdKdEl0b3JmeGp1ZlpRYnFZbEFNYkl1dDh5WjRicUdQdDV0TkFOVFBRb3BqZVNsb0VWQzRBSVN4QVhxTzVpLUZhVzdLNi1jXzg?oc=5) · Grit Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61101 (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/45.json (key "61101", 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=61101
- 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