# CORRY JAMESTOWN
Corry, PA · NCUA charter 62048 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/corry-jamestown-62048

Who the members are: state charter, organized 1954, low-income designated. 2,667 members of 14,847 potential (18.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 27.

**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 | $27.4M |
| Members | 2,667 (-2.4% YoY) |
| Full-time staff | 6 |
| Net worth | $2.7M |
| Net worth ratio | 10.0% (p19 of band) |
| ROA (annualized) | 0.71% (p53 of band) |
| Total delinquency | 0.96% (p61 of band) |
| Net charge-offs (annualized) | -0.56% (p3 of band) |
| Loans / shares | 16% (p4 of band) |
| Cash / assets | 83.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p17 of band) |
| Operating expense / assets | 3.19% (p40 of band) |
| Vehicles % of loans | 45% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.53% (p54 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 15% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 18% |
| Average share balance | $4,626 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,381 |
| Loans granted, annualized | $1.5M |

## 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 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 4 | net worth falling, losing money, delinquency rising |  |
| 2017-06 | 2 |  | delinquency 2x band, net worth falling |
| 2017-09 | 0 |  | losing money, delinquency rising |
| 2017-12 | 1 | delinquency 2x band |  |
| 2018-03 | 2 | losing money, assets shrinking | delinquency 2x band |
| 2018-06 | 3 | net worth falling, members leaving | assets shrinking |
| 2018-09 | 2 | delinquency 2x band, delinquency rising | losing money, net worth falling, members leaving |
| 2018-12 | 2 | members leaving | delinquency rising |
| 2019-03 | 2 | delinquency rising | members leaving |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 0 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | losing money |  |
| 2021-06 | 3 | delinquency rising, members leaving | margin squeeze |
| 2021-09 | 1 | loan book shrinking | losing money, delinquency rising, members leaving |
| 2021-12 | 4 | net worth falling, losing money, margin squeeze |  |
| 2022-03 | 5 | thin capital, delinquency rising | margin squeeze |
| 2022-06 | 4 |  | delinquency rising |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 1 |  | losing money, thin capital |
| 2023-03 | 1 | thin capital | loan book shrinking |
| 2023-06 | 1 | loan book shrinking | thin capital |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | loan book shrinking |
| 2024-03 | 2 | thin capital |  |
| 2024-06 | 2 | delinquency 2x band | thin capital |
| 2024-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |

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

- 2025-06-13 [Armco Credit Union grows again, adds first Erie County branch through merger - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOX2ZvZy1HbU91SlNLTEM1dUtwQjB1cm4tRm5hMTdXQ3FzZ0c5MDdtSldwS2Q1ZEVudGlFLVBldzlNY1NVZFpQcFB3Mk9EWkdsajRtNHBlZHRPdE5nUlE1Q0UwZWxGeTNrWTZCc0FSbG1UVVVUQnNoZkdGWVZZUFVwdEZGZ0c4eU1nWTA5QmxsZFhTT3pSV0xxWkNSVU5laGZjcWhn?oc=5) · The Business Journals
- 2025-08-27 [Armco Credit Union announces Corry merger - thecorryjournal.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaHpwUmpJZndUZGRjajg2YXI5U0lLaDVqY0xRRTBESjQ1VlA0QTJ2S1B2WXpNUG5IYldYZW9YOTVNd3V2SHZfV2pqWEV5MWVxNS1hWndJM0szSmY5WG5EMWJQSHMxaUtna1BVaGtFVWtjQWNSdW9ldjl3UkV3TnN1MHJXQlYxSTFFUEhPMm1NU2hfTmNGU0ZTN2NVNDI1QVkxZ2IzTzVQNVVpZ1plbVZnQUdDQ19DMDY4SVNublY0bTY?oc=5) · thecorryjournal.com
- 2025-08-19 [Armco Credit Union expands with merger, plans renovation after truck crash damages headquarters - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxORzFqUnRybGZSeTFjcl9JQVlObTRLRlBiZFFiT1huakFaV1lpWnNobmhSZkoxWXRtQkRnQXlyRTFlTE9pSGMtRnBRaG5JTUljeFhpOGdicEw1T1hZWXVBbHVMSHlYZmh5SERjdlVmNDFVZUdDWWlHb19Wc2JkRkFVUFhQSjJUbG8?oc=5) · The Business Journals
- 2026-04-02 [Ronald Rairie Obituary (2026) - Corry, PA - Bracken Funeral Home, Inc. - Corry - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc2sxc3ZFNTdWY1ItZjZyLVVKZUI1OW5qb1RjYWJCNlpyVEFCYXNOVTVGTDNubjhfV1laZkZRU1NOb1pFSUdNMzJYWllBelNtVVRMYjhvbGx0V3VOV1czYnFEZ3hTWXNvRmx3WjhOVXdGUklyRUtzZXU1aUo0V3hfRmJn?oc=5) · legacy.com
- 2021-05-03 [Summer Jobs And More (JAM) Program - Erie County, PA (.gov)](https://news.google.com/rss/articles/CBMijgFBVV95cUxNcEQ2dEtrb01vSnZkOXppZklsU1dKOGt2QWVtNkprcE5QZW5sRWpMN0ZHTGlNYUdYR0RwX1ZnY1JtZ3ZvOV9FTzg1MXZaMEVPZi1RMl9xT19sNjZyU3hTV1d3cXVQU2tnSzBlTENEaWE1QlVOdEhQQ2JOa1Ryb0JLNlVhZ2ltTnphRHNGbHNn?oc=5) · Erie County, PA (.gov)
- 2020-09-28 [Familiar face fills role of CJCU manager - thecorryjournal.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQNlRlWUcySnFqcklGbE9aQk5IR0t3QkZvQ0JuRUt2QnBkXzdWbTgtTFNldlBQbnJmcjBkV1BzRXA5blZ5UXdSeGZwcE5jSm5wcUNyZk1fMW9HTDNUTHlUQUdObjl5OU4wNkZ2ZC1xcmZQVFAzZWlvUGlFZ2RFU1dRdGkyOEo2RFlCcHRFQ1F4cEtEREI5aXNFVFdJMGlnOVM3RU1neW54TkZ5X3pkWGM3dG1CcE5veUt6ek9GUUhxSWVkZlJmRWc?oc=5) · thecorryjournal.com
- 2025-07-10 [Century Heritage FCU and small credit union plan to merge - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPTFk0Y2lwaTRLWjdtRFFLMkdwNWF2cmxFQ2dTM2k3aFUydHROZ19vRkZmYkIyeDJHc0drcmxadWhRajRTLThPWUtLZUtkenI1dm0wcE44ZGZIY3pnSTU4anZXSzJpOTF0ejZSenVJbmdUeEVWZkVrNzlsYkQ2NU9Sb3czU25vbzNFVi1GX2hKVk4?oc=5) · The Business Journals
- 2021-06-10 [Corry's class of 2021 receives over $1.3 million in scholarships - thecorryjournal.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOdlhWVDZFaU9fRGhKZ2JQMFlEZjRUc1FOamVsVjAzU2w3Y2R5UUk1UUJOY1lxbGxrUi1NdXNhTHlyMVE4MmlMR2hSWEt5UTA2dGVCOElRVEI4WUlSRVc2Rkx6YWpmUGJVWlo3T0dleVlUY1ctNlRxMHc3Wm1CVlB1ZEt0T1haUHYzbWs5UUdjV2xMd05EbjNyMnRiVWc2TExIeUtrWDRodnZFUTlxTlFrTU1Uc2tKY1BCUnRHcE41REVxRmFZbkE5OHRjSUpkTDZNemZwcHA2andjQzhhYnFGWDhjRQ?oc=5) · thecorryjournal.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62048 (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/32.json (key "62048", 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=62048
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide