# THE ONE
Meadville, PA · NCUA charter 6187 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-one-6187

Who the members are: federal charter, community charter, organized 1949, low-income designated. 12,276 members of 938,088 potential (1.3% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect 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 | $135.1M |
| Members | 12,276 (2.0% YoY) |
| Full-time staff | 35 |
| Net worth | $11.5M |
| Net worth ratio | 8.5% (p9 of band) |
| ROA (annualized) | 0.31% (p25 of band) |
| Total delinquency | 0.42% (p35 of band) |
| Net charge-offs (annualized) | 0.39% (p56 of band) |
| Loans / shares | 83% (p78 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p58 of band) |
| Operating expense / assets | 4.07% (p64 of band) |
| Vehicles % of loans | 50% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 373% (p97 of band) |
| Vehicle delinquency | 0.16% (p17 of band) |
| Vehicle NCO | 0.07% (p20 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 50% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 26% |
| Average share balance | $4,783 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $15,202 |
| Loans granted, annualized | $36.9M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 2 |  | members leaving |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | assets shrinking |  |
| 2019-06 | 2 |  | thin capital |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | thin capital, net worth falling, losing money |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 4 |  | losing money |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, delinquency rising |  |
| 2023-09 | 2 |  | net worth falling, delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 2 |  | net worth falling, delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
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- 2026-05-26 [The City & State 2026 Forty Under 40 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMikwFBVV95cUxNN0Q1dTVBWFZOdXpjZlNYaS1ieUNpOGMwN0ZuVExpRVZGZVI3LXY3N0JlNWFaLTdoUzRZU1JiakVFZzJvNXNybTRFTWs5cXpWd3hvTG9NYUE5TWFRVmt0cEp2dmxYeHNCQVhiQWF0NjU4YzlRNGJMNm9SVzQ2WS1pZ0dOVnJPV09XS1pxRzZhSkVnSVk?oc=5) · City & State Pennsylvania
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- 2026-06-20 [Delco health department announces drive for back-to-school items - Delco Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZVBweERQYWtRbkI3VDdvY3d0a0pMMlhWWjNpN19EXzdoZ1gzc29TSTJ5alFhbjFFUENfS25lSnRqbGs2WEwtUXI4YWxEUjR6NF9iTHFRUTh5UkZHXzR4ZEVVUzlKSGZ1cXVWcDJBRWk1UjQ5UkZFdVhmd0M3ekZtXzVwOVhwTmFwNGxyajRZQUZZNzMyc2JPSWcyMTB5QlpwYl9sVTJn?oc=5) · Delco Times
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2026-01-30 [The Best Savings Accounts in Pennsylvania for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMifkFVX3lxTE5pM0dKYTlnQWcwQXVDdl9RQ2hJOFV2OTlQdDdKWWoza0dYaUFxNG56OEZab05IdVlHbHBnX1l4a1ZpUl9HUTVTa0FjV3hyclBYNklhbjRWaHVBT0tfRDUxTDd0bXRMUWJTR3VoU0puX1ZvdllLS0hsWnN3NG1XQQ?oc=5) · MoneyRates

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6187 (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/43.json (key "6187", 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=6187
- 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