# PA HEALTHCARE CREDIT UNION
Sewickley, PA · NCUA charter 63714 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pa-healthcare-credit-union-63714

Who the members are: state charter, organized 1973. 2,183 members of 365,000 potential (0.6% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.2M |
| Members | 2,183 (-4.4% YoY) |
| Full-time staff | 3 |
| Net worth | $3.1M |
| Net worth ratio | 11.7% (p46 of band) |
| ROA (annualized) | -0.94% (p8 of band) |
| Total delinquency | 0.71% (p58 of band) |
| Net charge-offs (annualized) | 0.07% (p52 of band) |
| Loans / shares | 15% (p5 of band) |
| Cash / assets | 85.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.20% (p6 of band) |
| Operating expense / assets | 2.70% (p42 of band) |
| Vehicles % of loans | 62% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 19% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 7% |
| Average share balance | $6,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $4,733 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | members leaving | losing money |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 3 | loan book shrinking |  |
| 2018-03 | 3 | delinquency 2x band | assets shrinking |
| 2018-06 | 3 | assets shrinking | delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band, delinquency rising | loan book shrinking, assets shrinking |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 1 | assets shrinking | members leaving |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | members leaving |  |
| 2020-09 | 3 | net worth falling, margin squeeze |  |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 4 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-06 | 5 | net worth falling, assets shrinking | loan book shrinking, delinquency rising |
| 2022-09 | 4 | auto monoline | delinquency 2x band, assets shrinking |

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

- 2023-05-11 [Clearview FCU's former CEO at helm of credit union in Chambersburg - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPNFNoelBYejlQci1FcDlaRFFLY29jeU41YzFiNXkxSmNvUk9DOTlVZVJCcVY1MmFvU3ZIQ1pGNEhZblpLU2M4N3NIUlQwUFdvNkJ1QXk3WUFBSWQydXptVEtqbDRGVGRsdkhEb0pWYWZLeVFkaUEyY1VDYi13MmhoR00xT3lvSzdK?oc=5) · The Business Journals
- 2019-10-05 [Welcome to the real world - Beaver County Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZnlnT3VFdVRSamUtREZIdVk0dkxyanVGR2ZMaHVmLUtYaXFoQ1lzeGxQT1VtTnJVZU0zUFdsX25SZVhBM1lZVkt6UUJxOW5oYVhfYlNsMWRJT2hvYXVXMDh0Q1FGSGo2YTczZW9EdzVGbE9pSUcwb01BclprX1ZxbTJ2anU5cmdaRWJUdEVDNTA3ZzdJTEFGZw?oc=5) · Beaver County Times
- 2025-04-09 [For the record - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE1FajV6X0VVdUx6ajBUVmtNNU9YdGI0VXNjQUFad21FTGpaX3lJSnBhN0JSYkduVzFVcUhlYmk1ZHRBTGVpYlpBb0p3cThWeVJIVGxHN3F5VjNOTVpfQm9CR29kWXZiVDc1MmxsV0sxOVk?oc=5) · Scranton Times-Tribune
- 2023-05-13 [Personalities of Pittsburgh: Lisa Florian, Clearview Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbWV3LTFrMW1VSmprMHdkUDBZYkY5RFU5bFB0U010YTg5V3dVQnIxRUlvUkc4SDVJYTg4V09tZHV2YS1CN01XelBvMlNNV2I0b0FxZkNFbTFrS3ZFVHVINU9XTVhab0hfV1c3bFlHWnJOQWQ1ZE9ab0RQVjNBZ3RKVkNpUlVLZ3NlLVIzRG9adVFJRDZfV0tGTHZjR21mdFNvVHRTWHpLWElvZjg?oc=5) · The Business Journals
- 2023-04-21 [KELLY ANN PERRI - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQVGJwZ3loakJJZW9oM3hXdFRvdHozQ0J4ZVZ6XzJRRzVyYk1idDljV1REVm1VTW9kN1NNcC1NLW5Hcm53a2dtTmU4N3RnejR4MkVZRXowNm5Wa1BOTXdDd204a0p2a2FaNElDVHpJNTlRbnZQTHZpbDZaWnNjTDlKWnNJVy1OMHlYQU1ZMg?oc=5) · legacy.com
- 2025-06-05 [For the record 6/11 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMickFVX3lxTE9IRUpjWmlWN045UG9zTkZ3V1FqRW05bDgyT1p0eW1QOGpOTnMwU0xnUm0wUnVXb0VkbDI1QnhBd0xUamQ4S3ExOW85b0w1UjFWa01SNXl2VFZTOExNZGpvVDVnQS1MMzdMS2ZyZTZaNkJ1QQ?oc=5) · Scranton Times-Tribune
- 2023-08-01 [Pittsburgh's largest credit union announces organizational realignment - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNbnlINWtnb2dxZnA3bDlsNE9Qd2Vzd0tob3VHMDc1azd4WndYRWNFb2FwZm9FTUFURUN1ZlpUQXBBS0ZLVHJDQTZnektjdXNWWG9rTHJkN1VLRzF4RnJUQUJ6NFIwTlVwRTI5MlZKeHJIMnJwdW1JWW1YY29WS0w4RjRaOWlsb016clpqWDJlVlE3bDJJNFNVb01zejM5bHBmMF95MnhMNlVfaGJHY0dZ?oc=5) · The Business Journals
- 2025-03-12 [For the record - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KX0FSU3NZcTJRcXNDWmNjSnJQUHNVMjB1cVVBbWUtWDU3cUlSWFduX0RDb3NSZjY3R3VNLW9DakQ1c3RZR2RFazNFdkRmUVoyaDRleV9VcHh3ZVVtM2NuVHdyVktSeFRvYXVDOVd1d1Q?oc=5) · Scranton Times-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63714 (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/34.json (key "63714", 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=63714
- 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