# GROVE CITY AREA
GROVE CITY, PA · NCUA charter 6722 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/grove-city-area-6722

Who the members are: federal charter, community charter, organized 1950, low-income designated. 9,618 members of 30,000 potential (32.1% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 55.

**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 | $148.7M |
| Members | 9,618 (2.3% YoY) |
| Full-time staff | 22 |
| Net worth | $22.6M |
| Net worth ratio | 15.2% (p83 of band) |
| ROA (annualized) | 1.75% (p92 of band) |
| Total delinquency | 1.36% (p84 of band) |
| Net charge-offs (annualized) | 0.51% (p68 of band) |
| Loans / shares | 55% (p25 of band) |
| Cash / assets | 27.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p32 of band) |
| Operating expense / assets | 2.44% (p11 of band) |
| Vehicles % of loans | 36% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p31 of band) |
| Vehicle delinquency | 1.54% (p86 of band) |
| Vehicle NCO | 1.29% (p81 of band) |
| Repossessed % of vehicle book | 0.07% (p75 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 22% |
| Average share balance | $6,793 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $13,098 |
| Loans granted, annualized | $16.8M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 1 |  | delinquency 2x band |
| 2021-06 | 1 | net worth falling | delinquency rising |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency 2x band |  |

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

- 2025-10-14 [Grove City library hit by another embezzlement case - WKBN.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOY1h2ZlAteElTMlVlLUlPVS1IczBsMXVQOHdKelFTekJBZ1FlWFJ2RlRTLXRpVjB6M1BESlk4dmZhRFhYUDZRRElKNHZCYTI2cVVDU2Vmd0R6QWM0VTl4Ynl0SmNZcGFfVjJsNGdMV2NLMHRaYW84bEY1QUtvbjg1QWkxdVZSZTZCbklWRWxLV19tWVA5aDVoVFdTdnlZWHUxT0R4TVctUFfSAa4BQVVfeXFMT3ZYWl96ZzR6ZThjbVFobTJJYkFlbU4xcWpqbXhCZnFIelNMOV92dHpBMGh3cE43ckRpeWYyZEVYczBFSnlVaGxpcGdVb2lZRUk0TUNCMTcxZURNSWdZSFdmXzFoNjFYcVIwd1Z1ZllyQkFwRTVSWTFIZmdSOFZBZkJuYjY5cWVBZi1ST0xhYVVDM29Qd1JFeEgtNVJiU0NnaVREOUR0cW5WM0VPQ0dn?oc=5) · WKBN.com
- 2026-06-24 [At 23 Community Choice Credit Union locations, free food from food trucks will be doled out on Thursday while supplies last. See link below ⬇️ 📸 Provided by Savvy Sliders - facebook.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSHVlNVJiTUlZOW1oX2dkbzZqbHEybjduWWVpYlBFVmVrY2h0VjVLb1B1RkN2RGdQSkhXemlYdmpiSkZQVG1JYWdGREl5TlJfNTJrazJWcWcweC01Q2xHS3pjSm01SEh6bVotOV9Cb1p6SWp3ajNxTEFBMnNKTmVRbnVZMjZiYkhhZ2dDRlVYcXVUaFZIdVd0YWlJY2NKa2laTXU5QlBheEZ0dm5BZk5oZ1dlOXpCeFpiYW1zZXVYaExmbERVRVBJc1AtMndYdmhDejA3bU9HR0JoSGVISnRN?oc=5) · facebook.com
- 2025-05-06 [Grove City Rotary holds fourth annual disc golf tournament - alliednews.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOWGlVQ01BUlRVSUFLdU5GdTlveXRjUmJrSGVkWlhYbUVDUEZVM3RsX0JUVkhFSHJycFR0TUNPZldTN0RUX2JBdGplcENVRGhMRVdCZmp3bnBjb1pMM1FhdGppeG1ERjdrd05SV09zUlk4cHhiZUVNcmtTeUR6d1IwZEVWSjdBaDlZRHV4S2dGcjBNRmNCaU1COUk5UHh5bkhKUXpPV1Z1NUVBcXNOWDNlT3hLWU9nUWVJeGYyNEZkMy1VRnpKQlFBRDZhelBNV2oyUXJDNUE3UQ?oc=5) · alliednews.com
- 2025-10-15 [Police investigating second embezzlement case at Grove City Library - WFMJ](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOeE5LRUkyNEs2N0VJVDFMckpjbGE4U2ZkakUtTXA1dkhPZXdMVy1KR3ZNcFJaX0Z4dGpiNHZqbTg5V0ZRamRIa0JPVjJTcUhaWXFVbEVCY3RuUDhfaHNKejZ4UUlObHFzVTB2UmxOT1lwSk9BeWVIYXRicTZkN2NwSjhJZkFXTUM4UnZzY3RvTmVWZEZYb3A4aTYxOXhWem9aNmNiWFpzUkVwTEFPOU43S21FNHZfUlhjNFFvTTEyZVRGUGNCbzRTZHE4SjdwQVZ2eGVBcWZqRURzaVl6NDVXYg?oc=5) · WFMJ
- 2019-02-22 [OVERVIEW: Full STEAM ahead - alliednews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOMGpGV1hkZFZuQXRYZ01PVElSN0VZb29zNklTclN2MEtXTElMMjAxY1FibUt3YTZBZHNvc1V0MXRfN0tHbkRydGQ3TlhqbjhVRlhlN2RhZmFGVjlzOVZXS2RSTWlMNjJfenZkYVlLZ3NtTE1FOENWd2k0YXpablM1T00tcXV2bkdhcFA0aE1LcVRIcDczb3F3c1I3NVY5YWhKNXFGcVE0VEFGTVk?oc=5) · alliednews.com
- 2019-05-17 [Grove City school race attracts crowded field - sharonherald.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxON2FKOGw5R0dZYXdjT3JiUHpzbGtma0tSbDVyb2hzbEo0SDVSYi1TNEpSanRNRFdGdmRQc2ZqNDRlRE1SamtMNUFRTUl0YVpTSGZQWjAyN0V5OUZnUVViXzBGbmxjTVNMWXNsTl9WQngzMkUwdVozazJXbDFwTnF0RmU0S2xJQkgxQ01kQncxOVNScXhhY2doOUszRVRSRzc3bFV4bmFOdkdPSTN5VDJOYXNKRkRxeFZnU1BfYnh2MGJNVHhZM2JSQnBjU0QtdTAxUVJEcUF6b3V0ZjNfcEJ0UThiZV9ydw?oc=5) · sharonherald.com
- 2025-06-17 [Under 40 awards celebrate a local up-and-coming generation - alliednews.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQcURlakJZanFaeGxBRzVzT19RY1BUQlBaYm54QWV0TDNZd0Q0eE1aNEZld1VyTUVRWXp5dERUUUJZaTFxOXJZQTN3YXlIWEZLTEduOGpJMkFYVXMtWENaNDFmZWI3cDFwMlJGUW5jakxXMjBuLVRjRFU5Nm53enBHYno1R1Vrd01ydWkzTzUwZkd2U2dHdklZQzhoeF9QZDZOUmxKelhiM0daY1p5aEJpeU1pcW5XWFgwX3lLS2pGZjZlNjhyaktaZWV4WVVwTGJUS0l0UkZGZw?oc=5) · alliednews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6722 (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 "6722", 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=6722
- 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