# DIAMOND
Pottstown, PA · NCUA charter 68241 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/diamond-68241

Who the members are: state charter, organized 1947. 70,881 members of 2,500,000 potential (2.8% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.22B |
| Members | 70,881 (3.0% YoY) |
| Full-time staff | 209 |
| Net worth | $121.7M |
| Net worth ratio | 10.0% (p34 of band) |
| ROA (annualized) | 0.73% (p52 of band) |
| Total delinquency | 0.30% (p15 of band) |
| Net charge-offs (annualized) | 0.28% (p22 of band) |
| Loans / shares | 62% (p10 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p36 of band) |
| Operating expense / assets | 3.79% (p78 of band) |
| Vehicles % of loans | 18% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 11% (p15 of band) |
| Vehicle delinquency | 0.15% (p7 of band) |
| Vehicle NCO | 0.32% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 60% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 28% |
| Average share balance | $7,071 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $22,125 |
| Loans granted, annualized | $151.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | expense trap |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, margin squeeze |  |
| 2017-06 | 1 |  | net worth falling, margin squeeze |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 1 |  | 3rd-party paper>100% NW |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | thin capital, net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | thin capital |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | expense trap |  |
| 2024-06 | 0 |  | expense trap |
| 2024-09 | 1 | expense trap |  |
| 2024-12 | 0 |  | expense trap |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-05-29 [Fraud suspect arrested in Wyomissing bank 1 week after attempted $2.2 million stolen Treasury check transaction - Reading Eagle](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOMTA1a205eXAtZmktYU81VEo2b2U1SENmZk9STjhvRnNZTGdZYVlLOENZNHBfOF9BSFZNakdmNWt6QUxOVWVncDBnUUFHT3BfcU1tRm4tUE1oaFM5SU00X0pHdTFmLXlmUmszbkd5c1h0eHgtci1zSXRTZng4NUFrSC14Q1hFeEpmdFFyY20tNXFXcWdqbU45bzFYelY0YTNIc2pDQWdfUy11UWJnamtoc29aNGI0S2JTRUpGUW9BVGxrVmYzdnV0NTR5U09QcHRsd1l2TFFGRXhHM05tLV91ZThKR1pzdw?oc=5) · Reading Eagle
- 2026-06-03 [MLB Hall of Famer Mike Schmidt Joins Dermatology Partners for "Play Sun Safe" Event with the Reading Fightin’ Phils on June 30 - mlb.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNbWwxTlV4UDMwaHN0aDZDSG5jQk04OWNidmNrbU5nclg4T1l3YWlmcTJiVmk5NEZhMnctbkJTel9JSmJyQktGZ0l6VVAxaXd4Y3lNYlJaVHpUZ2dYR1hLR3EtWW1DYzBRZkJLdG00VldXWFJRNk9UYXhZX3lxZ2RWR1VYREtmU3k1ZHJmbGRCNWkyai1oMEtRXy1aTFJiUEM2X2YtNy1wVkVRaWQtZmF1ZU9pZUF4TjZvc01TR3BrMG1ieU5MZHZzVHlLMVVEM1VUM2cxNTZ6UmptTHhVbm5xLWxFcC0zQjRLM3R5bnFEUjhVZTQ?oc=5) · mlb.com
- 2024-06-20 [Diamond Credit Union Selects Upstart for Personal Lending - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxOR3lOeGE2UEVfamJHLUQydjJtTUE3OEw3YjVtRVdzbmlvbi1Zem45LWtUN293ZF9KOHNGbm10NllQU2s4U1NWcTFsOXk2eV9RZk53aW1FQ0RrZHlrcFgzMnQwWTZsbkVWZEdzMmdGWFJnYmZXaGNCMVNrY1ZpRnBKbHI3aTdXTUFrMFBWemtmSVZKYXNGY2stNVFybU9oZk9uVzZVRDFFX0VYN3NER3ZSQWR1Ukc?oc=5) · Business Wire
- 2022-03-17 [Diamond breaks ground on new Muhlenberg branch - CUInsight](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNkFmNy1qdjlEaDJxdE1idndNSUpuckZTXzlaeGYwaW96dkdNMmdpTF9yOGE4N3RadVNLWmdRQkQ3NnkwRlJHTkZ0T0tGZXVZTWowZnlSb3BLbkcwLXZFckZRMmwzYlRtNjZ2WVE4MkROdnRycFpTNzF3Vk94c25FNWNCbEdnYTdlUzVqVmYyaG4?oc=5) · CUInsight
- 2022-04-05 [Rick Patel Named CEO of Diamond Credit Union - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxNYk5XT0lxbGc4V2lScGhSX25NNktkckpVZFVjMzF0SVJVRndHV05jdDNUTEZkYTdxOGVpTHJqamNxRm9ScXJsQzNZb1hUSy0ycDQwdkFIQnVWeGhQZlRNdVZ4RnBjOWlIZDFhcndxOFlsSHh2Y25HYmhYWUdySUdpb2ZKX1ZXeHM?oc=5) · CUTimes
- 2016-09-22 [BUSINESS IN BRIEF: Diamond Credit Union named one of the Best Places to Work in Pennsylvania - pottsmerc.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxORWw1alAteUhfQTBUam9WUmJfM0hvb2FPbWhoV0FGR3NMbXZWRG16V0w1aTQzTkZPb2k4QldxbEhmemJQVjZoZllPRFR4ZFZfNENIVTNmTUpTaTE2MWdYcjJxV1ZQN1d0MTRTZjZUVjhET2Rpdm8wNjgzVDFWaXZFdThnVmQ5WW8tWmFOc09MT3BuVjBnMGhPVkZfQzFtUnQ1cUNmX0RNZEc4YW1OSTJ3d2dtTnVQVjBMdkVGZC1WbHNJLUZjb2ZuQw?oc=5) · pottsmerc.com
- 2025-04-07 [Rick Patel - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE1pcnpNeVBHMHIyZjhBLTFQeFJMRVFSaGI5RVYxeVN3LXI3N2Zzd0RQUVdBR21BbVJ1MXl3dV8xNVVNWHc?oc=5) · Lehigh Valley Business
- 2019-03-15 [Tempting treats: Credit unions in the community - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQSWtLM3dYaXRidGo4cEZOQUFFdGw1Wm1SUU9BTEZsa0xXT3cxSzRHWl9YYWd2SHJRZjkyZF9RVWpOUEF2Mmd3SmF1V2owVTBPQ0UyTk1QaGlfQXNVQXZxVGQ4R19raU5TemdxRkxYd2hBekxKZVRlT1ZXWmMtNkZMUVlNMDA2ZFJXSU9lMGdZT0gxUTZQbUd3MjNLdw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68241 (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/17.json (key "68241", 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=68241
- 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