# B I
Sewickley, PA · NCUA charter 6240 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/b-i-6240

Who the members are: federal charter, service (single sponsor), organized 1949. 301 members of 2,000 potential (15.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.0M |
| Members | 301 (-6.2% YoY) |
| Full-time staff | 1 |
| Net worth | $1.1M |
| Net worth ratio | 37.3% (p96 of band) |
| ROA (annualized) | 0.71% (p57 of band) |
| Total delinquency | 3.63% (p89 of band) |
| Net charge-offs (annualized) | -1.16% (p2 of band) |
| Loans / shares | 29% (p12 of band) |
| Cash / assets | 80.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p21 of band) |
| Operating expense / assets | 3.69% (p52 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.09% (p92 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,292 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $11,274 |
| Loans granted, annualized | $106,928 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 3 |  | assets shrinking, loan book shrinking |
| 2017-09 | 3 |  |  |
| 2017-12 | 5 | losing money, assets shrinking |  |
| 2018-03 | 3 |  | auto monoline, losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | loan book shrinking, auto monoline |  |
| 2018-12 | 2 |  | members leaving, assets shrinking, loan book shrinking |
| 2019-03 | 3 | members leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | delinquency rising |  |
| 2020-06 | 4 | margin squeeze | assets shrinking, delinquency rising |
| 2020-09 | 5 | assets shrinking |  |
| 2020-12 | 3 |  | delinquency 2x band, assets shrinking |
| 2021-03 | 8 | net worth falling, losing money, delinquency 2x band, charge-offs p90, loan book shrinking |  |
| 2021-06 | 8 |  |  |
| 2021-09 | 8 | delinquency rising | charge-offs p90 |
| 2021-12 | 9 | charge-offs p90 |  |
| 2022-03 | 7 |  | members leaving, charge-offs p90 |
| 2022-06 | 5 | members leaving | margin squeeze, net worth falling, delinquency rising |
| 2022-09 | 4 |  | loan book shrinking |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 | assets shrinking | losing money, delinquency rising |
| 2023-06 | 6 | losing money, delinquency rising |  |
| 2023-09 | 5 |  | losing money |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 6 | loan book shrinking |  |
| 2024-12 | 5 |  | charge-offs p90 |
| 2025-03 | 6 | margin squeeze |  |
| 2025-06 | 7 | delinquency rising |  |
| 2025-09 | 6 |  | delinquency rising |
| 2025-12 | 6 |  |  |
| 2026-03 | 6 |  |  |

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

- 2026-04-23 [Legendary classic rock band adds more dates to 2026 tour, including a stop in central Pa. - PennLive.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPSVlOM1drRTdYVGhMc1hoXzlGQ1otSFFzUk5qWUdDdlQ2Z3dUWTF1UjR4ejRVNkM2dC1yekJSODN0WVZMQ2xvVzVJM2YwaXQ3TnR6NVY0YXg4R1hfT3p3SWNKempXdHBtYjhCTmhNNFZ3Z0s4bjBQQVc1ZGt1X201QWNoNDBFZWhMR0F4NXBIVHhYQW0wZXVhajU1RGxUemt4N1hWVjRNR3M0OTRZdFlrLVVQdGxPa0x6cnhUZGp3Zk5wc1dFdWJSMVdwMzl5VXE2R0lYSlpn0gHqAUFVX3lxTFBtMVFTdUtRQkhWM015RmZqR0FXb2R5RVplYUhkNXR0Zzh6d0xQbVM2T0RYcERVMFlGNFBuMHhvbGNwNDRJRW1FYlZqRTEzZVZYT2psX0RHMHNHU1VHWWpBMFVNY2pYVkdrQjY5TmxsaHRZcHRWbUVQS29xcWVGUlNZM2JBOGt4MllwWXNSdkpUSGVxaFk4STBzeXp1MTkxLVdZcHZzT0x2ZFByRXRBNnZ6VXhOcVFuaEpBUkJiNlFoT3E3Z3FZSzNUNWQxMkxfTnlkVnUwZktPTVpMd3dTYm1fYXdjbUY3NVpRZw?oc=5) · PennLive.com
- 2016-07-12 [The Man from UNCLE: Executives on the Move - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdVJxVEdkdDAwM2lrMGZacnUwVXM0TFRhTEFadUJvQ1pBRTVhUjBwSXJSS0hieFRKMUNBSlliT0lyNkFPZndOS1ZLR2Z5eTRoSU5SOXNBa2lFZUxrbTlac1BhVkwycGZwZVluNGgzNnVfYWtNaEtoeEhaY0g1RzZia1p4TGN4Y0s0NVJGMkJNR3dqZzFoeHFTaDRvRQ?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6240 (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 "6240", 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=6240
- 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