# LATROBE
LATROBE, PA · NCUA charter 6689 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/latrobe-6689

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 1,617 members of 2,500 potential (64.7% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.1M |
| Members | 1,617 (-6.5% YoY) |
| Full-time staff | 3 |
| Net worth | $1.6M |
| Net worth ratio | 11.3% (p24 of band) |
| ROA (annualized) | -0.16% (p21 of band) |
| Total delinquency | 1.00% (p62 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 25% (p9 of band) |
| Cash / assets | 75.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.74% (p13 of band) |
| Operating expense / assets | 3.66% (p51 of band) |
| Vehicles % of loans | 75% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.60% (p55 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 9% |
| Average share balance | $4,963 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,188 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## 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 | 3 | net worth falling, delinquency rising, loan book shrinking |  |
| 2017-06 | 4 | losing money |  |
| 2017-09 | 0 |  | net worth falling, delinquency rising, loan book shrinking, losing money |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | auto monoline |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | losing money, assets shrinking |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 2 | net worth falling | losing money |
| 2020-06 | 6 | losing money, margin squeeze, members leaving, loan book shrinking |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | members leaving |
| 2021-03 | 6 | thin capital |  |
| 2021-06 | 7 | delinquency 2x band |  |
| 2021-09 | 4 |  | net worth falling, losing money, thin capital |
| 2021-12 | 6 | thin capital, losing money |  |
| 2022-03 | 7 | delinquency rising, 3rd-party paper>100% NW | margin squeeze |
| 2022-06 | 6 | assets shrinking | delinquency 2x band, delinquency rising |
| 2022-09 | 4 |  | loan book shrinking, assets shrinking |
| 2022-12 | 2 |  | losing money, 3rd-party paper>100% NW |
| 2023-03 | 2 | assets shrinking | thin capital |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | assets shrinking, members leaving |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | assets shrinking, loan book shrinking |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 | losing money | delinquency rising |
| 2025-12 | 4 |  | losing money |
| 2026-03 | 5 | losing money, delinquency rising | assets shrinking |

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

- 2026-01-03 [John Richards Obituary (1947 - 2026-01-01) - Latrobe, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQMWwtOVVLWGFxbnpyOU1XVTdqZnVBZ0lpempEaTRUY1RLU2prVmFhZ3dsM21fTjNGWE9EOGk3MkVaV2dEd19XWmxsOHlHQUphRVB3UlA1UHJ3Ni1FQTFOODEtdzg5UDQ4UE1hX0ttcEhoV0tFRUxTY2VVOTA3VmxMWDZxRkRIaHd4TXJ5MFVpN0plOWJySnpjRS1OalNxVDZ1YlE?oc=5) · legacy.com
- 2026-01-04 [James D. Thomas Obituary (2026) - Latrobe, PA - Lopatich-Brinker Funeral Home, LLC - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQkxrVFI2ZnRTWkVUUmRXVEEwWkROZ3Y3al83Q3M1YkZFckhINVJZNXBpVGFNSThxeDI5M2FMLWo3Rm1rN0xraDlPb3BwZFhKVU5fUXo4TjBsUVVCQjliT0d6RnFnTUlob1NrbThCV0NzRS1VZ2dfNWJVektIMW9Kbw?oc=5) · legacy.com
- 2025-07-12 [Obituary for Bonnie J. Tomey - Leo M. Bacha Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiWEFVX3lxTE52TzQ2Z25LXzhSZFZCaDZZOXlmcXhYQzU2X3VieGJlWkJhYzlzbHQwTU91YUNFT1ZReHdoSEVoNjVmNEhxQXAxZHBEWkw1TkpfUnB1Qm56dVU?oc=5) · Leo M. Bacha Funeral Home, Inc.
- 2020-09-06 [Obituary information for Charles M. Hill - Lopatich-Brinker Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE9HcHJ4VnRkWVpsR0w5UnhHOUFoRXpfOXhXNmpuQTZDNkVFYWJINVo0NzJCTUVmSTJUeWQ2VjJ4STNpcmx3UDFoVzlfb3o4WlBJWlJmRXNPWUkwM0JhanBnYV8zeENfVHB0c2Iyc1R4dy1tdlBJTVI0VGs2VQ?oc=5) · Lopatich-Brinker Funeral Home
- 2022-09-05 [Obituary information for MARILYN E. TOTH - Lopatich-Brinker Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE9MUXhjcnRQY2wwUXVINFkwc1FDeEN3S1N3NXhLY0lIaDFoeVFDVlBZUU0tSWE5NFlJb1NnZHdkZnk3ejhLZ2owQWVvUVJ5aFdsNFhqVnBEeUhPS2QzSXpPWTZLUDIySGl4eE1nSlBJUzktTWw0OXRDdy1FVQ?oc=5) · Lopatich-Brinker Funeral Home
- 2022-12-08 [Michael Tepley Obituary (1950 - 2022) - New Alexandria, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOaW9jUHNSQ0ZjRjZybkxZUU4xX1NmUlFjRk9FRFZiMTBoSzZKT204cUt1OEtTcTJmVlpaU0pDc3ZrbGJEQjFSdUpoUHNjYTBVNmQyci1JVkc5UWZlMkszdXJuYWNSUDV3cmYySTBYYUEzQnJxVXBWbGFSZXprQ2lhX2duUDRmN1JrdDdKS05wVUt0c09YSFNPMVdrLXBNYk5pRmhJ?oc=5) · legacy.com
- 2011-02-13 [Obituary information for CLAUDE G. MYERS - Lopatich-Brinker Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE9UNVJoc2ZpTXczNk9hUENScnc3Vlp5TkJ1M3Y5MWlzcWNaQ3hoRERlcVk2cFQ1UGhnZlFmSGZ4X2EwSVNvYUF5ZWVMSXBuaDE0X0E5bGFfb29QS1RVSEdDaEhkNFM1OGFaUHhacDFtdGlUazAzdW9rdnNNdw?oc=5) · Lopatich-Brinker Funeral Home
- 2025-07-13 [Bonnie Tomey Obituary (1963 - 2025-06-03) - Latrobe, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPN3U1QlpPeThuZ252ZHFWN3NYb29zM0M5TS00Nkt1emY1b3pDeG41MUNvQklWUXhHcTNaSFJiYTdScU9mb1JoMjRsd25nQ2FJcTRRR255TzlZSTRlTE14VzJDZFplT1pEcFRMVnNnVHVLempHcDZpa1ZWSlVUTFlybTlHYWNHQWw3cmMyWkpsMW1OaTl6dW12Y0xnV05nUU1Q?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6689 (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/33.json (key "6689", 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=6689
- 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