# WHITE ROSE
York, PA · NCUA charter 68296 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/white-rose-68296

Who the members are: state charter, organized 1950. 10,636 members of 545,162 potential (1.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $116.3M |
| Members | 10,636 (-4.8% YoY) |
| Full-time staff | 38 |
| Net worth | $10.1M |
| Net worth ratio | 8.7% (p10 of band) |
| ROA (annualized) | 0.27% (p23 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.69% (p78 of band) |
| Loans / shares | 55% (p23 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p78 of band) |
| Operating expense / assets | 4.92% (p86 of band) |
| Vehicles % of loans | 41% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 158% (p80 of band) |
| Vehicle delinquency | 0.97% (p69 of band) |
| Vehicle NCO | 1.15% (p78 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 13% |
| Average share balance | $5,309 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $13,465 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2025-04-29 [Shane A. Brent Obituary Oct 17, 2021 - Hartenstein Funeral and Cremation Care](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9TYW9ZM09SR0FuQ3Q1MEFBdUw3THZuYm5kLWhPRFU0VGtodktPX1VoSW03VkxGSml0R1ZCeERNZ2xCMTNFRzZsVHdnY242NWN3T01CVkc4b2xVejV6Qkc0Wk1FclBZdw?oc=5) · Hartenstein Funeral and Cremation Care
- 2019-03-07 [Ramping up lending: Executives on the move - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZENTRXpSYXM5WjM1Y2FxN042XzRrUkhQTHUtcjBGNVZEcWJDSm9rSUhlazJwVFpxcmt0WmVaRzF1X21CMkhrU1hDVkZJTFh4Zm9POW5tR25lcFBxV3puREJDUllQQ3lBZUhlQXgyZ0FNU1ZOak1EWG1lUElRd3N6OHpMTTQxUTdaXzJIM2lQWFpGNUZx?oc=5) · American Banker
- 2016-02-05 [Ex-York credit union CEO embezzled $252K, feds say - York Daily Record](https://news.google.com/rss/articles/CBMipgFBVV95cUxQbVFEVnNoWHRDMGZhS01IX0dab2lGVlhIbWlDZk5ScVhWTnpFNmlNcHpjTlktNFVPU1JhcXNQU3M2U3FoRmhyenV5cUlJOVptZlctQTBzRkpoYzJVR0NMLWw3WmtEMkh5bnFuSTNZQkQxRGNKajZObDdzcG90RlRkUWRJV0xtbmdOVHlCaEtHeWpySUNPNnEzaW52YlFkckE3SkUzZUtR?oc=5) · York Daily Record
- 2017-08-20 [Sherry C. Marshall Obituary Aug 20, 2017 - Heffner Crematory & Funeral Chapels](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1naVRtYTYwS24tcWhVZElkb1ZmV2VQNE1HTGdLa0l2ZUdkZUxUOVJERVpnaC11U05CbGY1a1c0TnZKbUR6ZV85ckpKQU9uVWplU29vMTRHZm9FNnRQS01FRHNqVlk5NkE?oc=5) · Heffner Crematory & Funeral Chapels
- 2019-11-12 [Celebrating new opportunities: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeEthV1NJakRudFRUYWE5Ul9VRFJWRjJHMVMyeVdNRXNDbG1xdnhLejRsbENoczVWTXhjYlkya2ZiY184VjkwYzNvRTFkZVhFMHN1SHMzTWk0NmNoQjIzanlsVE1Rc0JjR25zeG4xVzlINzFyMXM3VVJ0NkxQS1hyZzVUdFNuWTdhdVRLaElBR1ZPTmxvbG1XMjRpd1gtVVdnSXcyOGk0bw?oc=5) · American Banker
- 2023-07-24 [Joyce Spinelli Obituary (2023) - Dover, PA - Emig Funeral Home & Cremation Center, Inc - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdnhEdjc2VHdlUjBRcGZYU3NLNzltdndpak9USHpkWjdiM1p3bG81eXJwM3dJWUlFZGNjdzF0RnJIX1pqOWg4Ulg5RzRWR3ZWYnFxWkQwSnQ3WFMweGxmaVg1UkE0XzMwNWJsSGdsSkduQjY3cjJXNi1zUkg2MnR0OExRVQ?oc=5) · legacy.com
- 2026-06-30 [Donna Kay Fitzkee Obituary (2026) - York, PA - John W. Keffer Funeral Homes and Crematory, Inc. - West York - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbS1qUElKbUNDMjVXV09icnF5SWo5LXdIT1J3TS15bmxPcERZNnUyendDa01DcnhwTXV6d0N4SmNYQ3ZnZGh1b3lyZ2k3OFFDVFVZdU1xT0d1bDVpUjYyTi1hZmtRRFR4QTJ5M2N0QkJzdnhTeUZ1WkQ1UnAtemRFaERR?oc=5) · legacy.com
- 2009-02-11 [Gregg Miller Obituary (2009) - York, PA - York Daily Record - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdVRwTzhXN25xNFA5NkNIZ2lXV0hXVlBZSFVEZTNKWGZqTWJxMGhwd05DUlVjajhpSFk5RDNPenFDczNJeDlqMUpPODhfMUQ0MXdxb0Fuc29VcDRZMjBSSWlVeWVfZnJPeGRTSVdWU3Z1U2ZkUUFWN185OC15cDZDNEdOWVdEUHc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68296 (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/8.json (key "68296", 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=68296
- 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