# 1ST ED CREDIT UNION
Chambersburg, PA · NCUA charter 65412 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-ed-credit-union-65412

Who the members are: state charter, organized 1938. 7,068 members of 39,386 potential (17.9% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $139.8M |
| Members | 7,068 (0.1% YoY) |
| Full-time staff | 26 |
| Net worth | $21.8M |
| Net worth ratio | 15.6% (p85 of band) |
| ROA (annualized) | 0.41% (p31 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | -0.04% (p3 of band) |
| Loans / shares | 37% (p6 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.50% (p5 of band) |
| Operating expense / assets | 2.46% (p11 of band) |
| Vehicles % of loans | 21% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 37% |
| Average share balance | $8,804 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,760 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-01-15 [Scholarships Available for CASD Class of 2026; 1st Ed to Sponsor Lady Trojans Games - Franklin County Free Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxNT2oyZ3RGTUJLdVhNTWFaOTdyYnB3cFJTV1RkT3NRLUtnV05namxiQ3I2YXNlRTdacHFseEhJb2hfQTYyNWRfdlhFLWEzVW1qcUI0c0E5NkFNbGNKQURDdE91c3BfRzI1cmZacHZHcDlTdXBURUF3Z2tfc1NyUGplRHFlb1ExTmpDREptaWJCdDBjTDBOdzlQRzY0Xy10TTZWWmtIY0tXbmZHc2xvRkE?oc=5) · Franklin County Free Press
- 2016-05-05 [1st Ed Credit Union presents scholarships - The Herald-Mail](https://news.google.com/rss/articles/CBMitwFBVV95cUxPSTFPd0JSU2p6Yk1WVDBJSkxmcjNZN2dpUllQSFJqLXk3dERBYks3U2NwYW9LUjVBeXRBc0JCeHBwUWZGbkJsZFpFcVQyOXltb3NDanh1cGNvcktxdnVtbVAyQkM3Tm9JaC1QSllJdGtBT0xQUFBSdW9uSzV3S20zdFhEc1hnN0xES1JIWG85V2RNZ2syNG5pU0xYZm1GYUR1VHRhLVBYcDFrbUpPMmxncjA5Vm5UQjg?oc=5) · The Herald-Mail
- 2024-07-16 [1st Ed Credit Union Celebrates I Love My Credit Union Day - Franklin County Free Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxNdy1pYzMyenFnRlhueUlFYjliUV9Uc1ZKamRyZ1NwTWhEQUVHenFKY2IybTRLU01ZX0VTcXpKMnJ5VDVoOG9WYzhRUGN3VmdWREgyNXYxWVE0WGd5eTZvTEowd0h6Qk8zenlEYXFBQjBzM1R2eXlROTFCU0pzaG5BdW5heGNmM3ktZnlqbw?oc=5) · Franklin County Free Press
- 2018-11-03 [Hilary Tadych Obituary Nov 3, 2018 - Thomas L. Geisel Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9CbGhQdUk0WVBWeW9zZjR6Nm83dFpZek5JT3l0N2llYm9JdGFKcGNJYWp1dXQ2Z3hPa3dvY0ktcTJmX2ZweUY3bnJKWGhKYzRWaDl4YnRXeklmSFRjMHFMYWRJLUN5UHQzeUE?oc=5) · Thomas L. Geisel Funeral Home
- 2022-07-14 [Community members getting excited about Old Home Week - Echo Pilot](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQLWdEVUdmYUZEN2lobUxCMEkyclVFX2REZzd0ZlA5X3gzWDRTQWUwS3ZhMkY5dXpGbGcwSU9tVTdKY1l5anVKSTVjcWdZeHcwd19GYlJzdF9rVDZjcG1YdW9MZ2stb1V1SGhWVjNTOWlvdXFVaDBOdnY2MnZ3ODdaSHZMOU9RaXB5X3k5SWZuVFJwcTEzOTBqQ3BkampIa1NmMEliVGtkQlVCaThQM0NzNUwxQUtySURkMkJ2UjQ2dGltbXdoakJvMWFwZFRUNmJKRmFnZUVTX2d5Z1EtY1FadXZlUUxyWk5McGtHXzBiSQ?oc=5) · Echo Pilot
- 2013-10-14 [Kenneth Stake Obituary (2013) - Chambersburg, OR - Public Opinion - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPOHJfS1ZlTzFiSElQOW1KcXFycGNVaWN5dUFDUS03U3p2cTQycU1Za19laEJ5ZzJJUlV4X2lTUFVaRDdHSXJtZnBHNHItVnlwQ3ZUamJtTWV6MkltSDRMc2JsaWZGZHc4dFJJaDJnRlljTHYwaVZpUUZRenFfS202bHJVUDVmcFNUbS1oRnZ4NkpBZ1RRaXlYbnljY2c?oc=5) · legacy.com
- 2019-12-01 [Judy Friese Obituary Dec 1, 2019 - Thomas L. Geisel Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5uc2xFUXRQUzBxTGY5S3VueV9TNHp2NWhMRHlwV0JXOUlqaExMcWRVUi05SWtzdE9sRFVxNHcxSGY0TndZZHlSX0YwQnRUMG9jVTBBTDhSdGZ5blM0RGNZVjFPTk1zZkE?oc=5) · Thomas L. Geisel Funeral Home
- 2013-08-25 [Peyton Truett Obituary Aug 25, 2013 - Thomas L. Geisel Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9YUGdpR0VTSjk1bTMzR0VVNFBpR2lzZHJQXy1yMUl0MEtQRWJvU1UySkFOS1NReUEtVlEyMXZzN2JqTW05cFVQRFZ4MXJCQzEyd0lNeWJiczMyM3c4eUVqT25hV1lPOVQ2Snc?oc=5) · Thomas L. Geisel Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65412 (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/4.json (key "65412", 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=65412
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide