# NU COMMUNITY
Milton, PA · NCUA charter 64258 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/nu-community-64258

Who the members are: state charter, organized 1977. 2,957 members of 138,200 potential (2.1% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 34.

**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 | $18.1M |
| Members | 2,957 (3.3% YoY) |
| Full-time staff | 3 |
| Net worth | $1.4M |
| Net worth ratio | 7.6% (p7 of band) |
| ROA (annualized) | -3.50% (p2 of band) |
| Total delinquency | 1.48% (p70 of band) |
| Net charge-offs (annualized) | 13.98% (p99 of band) |
| Loans / shares | 52% (p44 of band) |
| Cash / assets | 30.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p75 of band) |
| Operating expense / assets | 3.89% (p65 of band) |
| Vehicles % of loans | 32% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.97% (p88 of band) |
| Vehicle NCO | 9.08% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 18% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 1% |
| Average share balance | $3,783 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $8,585 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 5 | thin capital, net worth falling, loan book shrinking | charge-offs p90 |
| 2017-06 | 8 | charge-offs p90, assets shrinking, members leaving |  |
| 2017-09 | 8 |  |  |
| 2017-12 | 7 | delinquency rising | net worth falling, members leaving |
| 2018-03 | 6 |  | delinquency rising |

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

- 2024-11-18 [National University Awards 2024 City of San Diego/National University Professional Development Scholarship Awards - nu.edu](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNRUwyVkk0RmRudGcwYlJhUm9ISVc1TC1jVXZXNmtyQzdiYVA5aDdkQldqVXppXzRSSzAzOGQ5NEdGeTd5Uzl4blZnLXdPZFJoT2VnNkFieWN4aGh2ZGRLWWtxQkV6eFZBd2ctRFhJYVEzYXBGakM4czV6a1V6TktEcDltRUY4YnlTTUJ5TDh6RmhXRmgzbHAzNHExdU50cXEtZEhkQ09BbkluREExdnJZdFZIMy15NGo4S2hTZVZ6eFhUT3FzLVJza09yRXA4cmVkdHBDMg?oc=5) · nu.edu
- 2023-09-19 [Mother, daughter asked what they did with the almost $339k they stole from Pa. credit union - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2022-06-24 [Mother, daughter accused in $1.2 million Milton credit union fraud case - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxOVnVvWGg0V2ZwVnRLWl94MFFDOEQyUXVkMGpCdnRVVFluTHY3bVRrRGM2UUxQNWxfWW5kc28tZmNHT0hiV2VFX2ZXVHhJNkFPU090a1RTVXNfOUNsVjlZQjVoRDVkaU5EYmtSZTVPVTFySGFyV3hKR1VLM0VaR0hRSGJ0d3NKYWV2Qmt5NVRmUXpUNHloSVFhU2RIeWNaWmNzeHN4R2k5VW5jUHRsUHIw?oc=5) · Williamsport Sun-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64258 (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/2.json (key "64258", 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=64258
- 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