# WEST-AIRCOMM
Beaver, PA · NCUA charter 6233 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/west-aircomm-6233

Who the members are: federal charter, community charter, organized 1949. 21,858 members of 1,596,230 potential (1.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 55.

**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 | $374.7M |
| Members | 21,858 (0.5% YoY) |
| Full-time staff | 48 |
| Net worth | $45.5M |
| Net worth ratio | 12.1% (p62 of band) |
| ROA (annualized) | 0.95% (p69 of band) |
| Total delinquency | 2.40% (p98 of band) |
| Net charge-offs (annualized) | 0.44% (p54 of band) |
| Loans / shares | 76% (p55 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p45 of band) |
| Operating expense / assets | 2.75% (p18 of band) |
| Vehicles % of loans | 33% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 92% |
| Third-party paper % of net worth | 170% (p75 of band) |
| Vehicle delinquency | 0.21% (p16 of band) |
| Vehicle NCO | 0.15% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 127% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 36% |
| Average share balance | $8,382 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.8M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $21,047 |
| Loans granted, annualized | $68.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.8M outstanding purchased (50.2% of net worth), $16.6M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2015-11-06 [Police investigating 3 armed bank robberies in Aliquippa over 3 weeks - WPXI](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdlpyV3hDV3pWb1dTWjhCYjdSX21lTTRKTEg3YVZPM2g4dF9MY2xEWXpselZqby1kQ0gyZVpnaHNmTUROZnJXU0lhSHR5SW9PSTBFNlVQVW5neUJpUnRsWWVPNUVITk5iVVh2Y3NmNktsYk00RTJMbFRVOFZqWmVXN2kzYS1lWTk0MUpPcU56SXYzRmxLeDFz?oc=5) · WPXI
- 2016-11-14 [Fundraising goals surpassed thanks to area residents' generosity - Beaver County Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQbDNaQmgtaFFkZkVYWURiU1RLa3l3UGtfczRUSk9oZzY5ZkxwUHN4UWFIM002OVV0ZUxmSjJNckpVbmFnM1IzOVpBT2NON0xlcHVmS1Fvc1BlVHlwaU1HbzQtZ2NOZjV5d1hBVHN6WUxhbHhrWTFnQ1RfdEhvOEQtdlVvZ0ttSVFib2k4N183OHo1M1hEX3ppUkRmUzlPYnkxc1dPS3d1NXNkYTZWdDY4SVZmbW5ULTRU?oc=5) · Beaver County Times
- 2017-01-04 [New CEO at West-Aircomm - Pittsburgh - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNc0VMUk5yTmg4b2M3MFRXbGY0NmFDTW1GQlBhaUN2MXl0UTh2SUVwVnZoZTRyRGtpSmZNUGhRV0p4VjBDNHRXR2poNGJPR1hJX2lLS2UxcTNTbUtsSjgzQjdsS2U2YmR2dlFBSkl5MVByNHg3WW1aX2ZCREFXN0g4Q2hmRXl1QUlwRmRN?oc=5) · The Business Journals
- 2011-05-05 [Obituary for James W. "Jimmy" Claar - Sorge Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9XSVplWTRNeTZOc1RFZ3FOcmFTWjF3OWtZUnk1QkdtdXg3ZWgyYWc4a1F4YTVfdXhqWENMeVZaUEhSYlhDdG9xZy1nSUxmV2tOU01rRlF1RUlIdERFcFpqTUUtWQ?oc=5) · Sorge Funeral Home
- 2015-11-12 [Reward increased for information about Hopewell Twp, Aliquippa robberies - Beaver County Times](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNQ1VZMW00N0JsY1RXVHpoWGVJN2ROWlltSzl0ckVoVjdwc3VEa3V1OWU2YzU1azZIX0pkYkN1WmppNW1wVHdLdFZLR0V6Q2s3c19GeTVjWDZ0d2FLNkR6VWhmSmVqbDA2aUE2ZDZzcktwMlp3TXVvUjdpREVoLXhhclQyZUJieGNmeld6X2NPS3dYNW9CUllxcWg5THVZRjFKUDBFenB2enJkRGc?oc=5) · Beaver County Times
- 2025-07-31 [Harriet C. Andrews Obituary (2025) - New Brighton, PA - J & J Spratt Funeral Home, Inc. - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRldSYWJxOHczQm93TDBMN0pTaEtBR3o5WWEwalVTOEl2YVdISXduMWlieDVPZjRPTlBHeEJVSFYxSUt6RjFXbDFSZDNPbF9nMFpwWm44MDFXX0VvQnlBRzd0TGVRblhJM2EtQ0IxblRpQ0hlZnVtc3o5dTR5bUtSb1EyMFM?oc=5) · legacy.com
- 2019-06-21 [Best of the Valley - Beaver County Times](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1ZWQng3VzhvQnlaM2hpdEloS0N6OXh3YnlFOTRERFk3ZDV3TFp0cjhlaHIwdF9aSHpJcEhTcnREVGNDRnFrazFHMkVnYTF1YW5rNWtOWTV3eHhSRGZ2d0RUWHNHOEthdWNsWmY4T3BETHNVSE41TmQydzIyMElVM2NQMjJISGRmdGdUZDZBazV2VG1xVkpiNE5kemxLUQ?oc=5) · Beaver County Times
- 2011-08-03 [Marianna "Marty" Barrett - Beaver County Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTUN3MjhRYl95b1Fub01vZzVsMDJVc1hMRTFocXREeFBxckYydGx5OTFoanB6ZVcyeXZ4azh4Tkhpb2hkcHpTWDhtT2xBS01sWmlVWHJfYk9pSDVFM0VQM3BNUWVNbzZmSVc1VWVuRE91MXhyZXNSOHZHTmY0TXNvelpSYnlEN1FiOHYtSXN3?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6233 (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/25.json (key "6233", 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=6233
- 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