# NEW DIRECTIONS COMMUNITY
Franklin, PA · NCUA charter 65356 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-directions-community-65356

Who the members are: state charter, organized 1974, low-income designated. 5,781 members of 176,881 potential (3.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $40.8M |
| Members | 5,781 (-0.5% YoY) |
| Full-time staff | 18 |
| Net worth | $5.9M |
| Net worth ratio | 14.5% (p47 of band) |
| ROA (annualized) | 0.01% (p24 of band) |
| Total delinquency | 0.87% (p59 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 25.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p73 of band) |
| Operating expense / assets | 5.94% (p89 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 130% (p98 of band) |
| Vehicle delinquency | 0.97% (p64 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 20% |
| Average share balance | $3,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $7,824 |
| Loans granted, annualized | $11.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 3 | net worth falling, margin squeeze, members leaving |  |
| 2018-06 | 1 |  | net worth falling, margin squeeze |
| 2018-09 | 3 | margin squeeze, delinquency 2x band |  |
| 2018-12 | 2 |  | margin squeeze |
| 2019-03 | 2 | losing money | members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 5 | net worth falling, charge-offs p90, members leaving |  |
| 2020-03 | 3 |  | losing money, charge-offs p90 |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 3 |  | losing money |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | assets shrinking | members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency 2x band |
| 2023-09 | 2 | delinquency 2x band |  |
| 2023-12 | 2 | expense trap | delinquency 2x band |
| 2024-03 | 0 |  | assets shrinking, expense trap |
| 2024-06 | 1 | members leaving |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling, losing money | members leaving |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 3 | expense trap, 3rd-party paper>100% NW | losing money |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 | net worth falling | expense trap |

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

- 2025-08-04 [Taste of Talent finalists sing for the top; Williams crowned this year's winner | Front Page - thederrick.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNMzVSbFBBVjY1eUotZW5IUEFmdnN3RW9zZXM4ZDJ5TnNYZ05zazJBMnBaYnJ0V004dUNoNldCWnkwZEpMQTgtUXo5clctUFBTSUlJTkhTZTN2c0IzdENJQmlfa3d3N2NyZlNwcFNWM05YN2Z5ZG1nMlJ2WDdOUUZIVjdyWWM4b1QwbHBIZ2VybzV0T3ROYzhFcWgzenBjRDBTQkJKNnZGQ1lEeWFLZ1dET3dkN0RIQkVpRFVXSlVGdGU1UjRCbWFNbjl5ZmdFczllY3dDX082SXJMWHR1WjdjYkFqX2hmRUt3SzdnaGxVWHo0Qm13ZE1xbHhTckxCR1E?oc=5) · thederrick.com
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- 2026-08-28 [Franklin Animal Clinic Adoptable Pet of the Day: Milo - exploreVenango](https://news.google.com/rss/articles/CBMisgFBVV95cUxQenZ5RDlBWFd3ZUlXS0t1LURYQ05BSmQ1UVpYOUN3ZEx3dWpHekJzb3poc3FpSGx1R0VXMVVoYWd5UnVadU5xd3dJZTNtM2dUMm1vVnpMeTJJeWFmRXRVRHVCVWFBdGJ3YkVGeWpucVR6elk0Mnh1a2p4dk95N2w1bnZlSFlTWFJPSE56ckdsUV9SWkZPbnF4dEcxSnJRR1NSS2RORl9hTXFmSVM4SE1ET09n?oc=5) · exploreVenango
- 2025-07-16 [From Athletics to Animals, Cranberry's Cassandra Scarbrough Carries 'Can-Do' Attitude to Pitt Bradford - exploreVenango](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQNVZfcWZOal9ER2xGcjV6WWhEWWRUbUdTNHlnVFdRNGRtdnZNbmszc2JKUEg1MlVZSXV0ZVY1d2lpOHhrNFE2a1RMV0RNbjdEN1o4NW5ZcFVsaVNlU2RGU1JoTGN1bk5kcjl4WUNaTVBrdDhuUTN6NnZNQll3MFF2VzVoTTlJRjlDQ3pzaF9Oa25weUkyMG8xdlc5MkY1RU1TcGZtVTc1MTNSQ09BQVBtQWJhSjhQWFRlTWxLQnJ3SWY1akNmRVBGb2dyVG80R1daSW1obXFreF9LSTJ1bVAtaVI5YlJONDhkWTBMRXB5cw?oc=5) · exploreVenango

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65356 (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/12.json (key "65356", 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=65356
- 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