# VALLEY 1ST COMMUNITY
MONESSEN, PA · NCUA charter 649 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-1st-community-649

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,342 members of 750,000 potential (1.0% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *ordinary*. 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 | $104.2M |
| Members | 7,342 (-0.5% YoY) |
| Full-time staff | 16 |
| Net worth | $24.2M |
| Net worth ratio | 23.2% (p98 of band) |
| ROA (annualized) | 1.56% (p89 of band) |
| Total delinquency | 0.48% (p40 of band) |
| Net charge-offs (annualized) | 0.25% (p40 of band) |
| Loans / shares | 73% (p57 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.28% (p83 of band) |
| Operating expense / assets | 3.12% (p30 of band) |
| Vehicles % of loans | 29% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 54% (p57 of band) |
| Vehicle delinquency | 0.15% (p16 of band) |
| Vehicle NCO | 0.34% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 24% |
| Average share balance | $8,061 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.6M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,006 |
| Loans granted, annualized | $17.1M |

## Participation posture (from the same filings)

Bought $4.0M and sold $0 in the latest annualized quarter; $6.6M outstanding purchased (27.2% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 5.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | members leaving |
| 2020-06 | 2 | net worth falling | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | members leaving | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 0 |  | net worth falling, delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2021-08-13 [Bank manager accused of setting fire to conceal embezzlement - WJAC](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQ3FHNkdyWEF5Yi1NWHZHVkxtajVYUmRWX1BZMkxtMjFsVVdGNnBaUUNWcXdWMFczRjJBZDJUWDRrOUdmZkdxR2M1aUFZcnpXTEs2RXdVQ2dqM0doOTlZVzZkeEpHWDdaZm5VZmg4bDB6WEtHYzYwemsxWDlpeGFLUWQwcFlqdHVQTmN4TXBfaUtKS0hm?oc=5) · WJAC
- 2025-06-26 [Monessen’s free ‘Music in the Park’ series to kick off - Mon Valley Independent](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbEtraFNrOXlzRndKekZjU3VqOGFweUJrN29jTHJReWpBVWktR0pxTzBhOWtLLUpnbnNhT0FHb3RzWVZVOFJZd0ZGYkN3RUNQSm50elV4WjlwajJacjJ0WEhjNXBZdTNLc0daVURVMmVldFdEeUhwZGhyZF9KdjI1YWRQN3VyV3VrNHBIMURGajM3UEtLdWZzSTJnazVuakFOUmc?oc=5) · Mon Valley Independent
- 2025-11-30 [Alden R. Guseman Obituary (2025) - Belle Vernon, PA - Ferguson Funeral Home and Crematory, Inc. - Belle Vernon - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPck40RE1IZ0RzQ2ZnS3lhbnRmODN1dnlwa3U4c3ZSVHhMbTFwdmJhV0FtSEN3N3hJQU4zdUlqN0hpVEptMFlTWmN2Sy1XX2pnWlBmUFJEdzBJSHEwX2RYNE5YZmswRlBtTjY3Wmx5Q2RHWVlTRTM4ZEkwRk5mMUxXbHVn?oc=5) · legacy.com
- 2021-08-12 [Pa. bank manager accused of setting fire to bank safe to conceal embezzlement - PennLive.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZm9Zd0xwRW1KMFkwcDhCNmhDZF9ucDlielA3S3g2SEFJOTdkTEtpQnI4WXY1WGkwVzFZSEZrdHI0ZEU3aU9BTUZtRjVwSV9rc3d3ckJPQnY5aUlQajlrRXduZHpmSVFQU293RW85WEhHYl9WeEllWkFLLTBjelFDamtjZHY1MExfZDdUQTUtR1pDR0YyT1NJS28xaVBPWmRzaXRlY2stZHduUkgyMVVBejMwT3R3WHRtOWhV0gHPAUFVX3lxTE8zbUlGbGVCeVdoWXpVa19xOGJTSkNLbUtlcDB0THFXSW94Smc4Q2xreW1PQVVuc0stWURHd2ZkMklGaXVDdG1BY29iTFg3RThfNnlsa2FNcTAzbmpNMm41ZUUtTi1RelhySXVYQmxXZ2NWdVlYak5qaFhyX2l2dHpHZm05MWRER0VVNDlKQnN4bE5xQ3VNLW1SdDZaa1JRdXFzUmlydzRiQUdtRkJaajBHM2M0d3RGUWRVUThzLXVlUmtoSmJ5UzhiS2l1aXFwVQ?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=649 (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/9.json (key "649", 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=649
- 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