# VIRIVA COMMUNITY
WARMINSTER, PA · NCUA charter 68564 · asset band $50-100M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/viriva-community-68564

Who the members are: state charter, organized 1936, low-income designated. 7,858 members of 3,400,000 potential (0.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 41.

**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 | $84.1M |
| Members | 7,858 (-4.0% YoY) |
| Full-time staff | 11 |
| Net worth | $7.6M |
| Net worth ratio | 9.0% (p30 of band) |
| ROA (annualized) | 0.38% (p35 of band) |
| Total delinquency | 1.59% (p93 of band) |
| Net charge-offs (annualized) | 0.49% (p91 of band) |
| Loans / shares | 60% (p60 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.43% (p53 of band) |
| Operating expense / assets | 3.64% (p74 of band) |
| Vehicles % of loans | 20% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 73% (p79 of band) |
| Vehicle delinquency | 1.42% (p93 of band) |
| Vehicle NCO | 2.85% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 162% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 13% |
| Average share balance | $5,211 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,042 |
| Loans granted, annualized | $20.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 1 | net worth falling | delinquency 2x band |
| 2017-06 | 1 | delinquency 2x band | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 3 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | net worth falling, delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | losing money, repo signal |  |
| 2019-03 | 4 | net worth falling, members leaving | losing money |
| 2019-06 | 2 |  | net worth falling, members leaving |
| 2019-09 | 3 | expense trap, charge-offs p90 | repo signal |
| 2019-12 | 3 | members leaving | expense trap |
| 2020-03 | 4 | net worth falling, margin squeeze, repo signal | delinquency 2x band, charge-offs p90 |
| 2020-06 | 6 | losing money, delinquency 2x band |  |
| 2020-09 | 4 |  | net worth falling, delinquency 2x band |
| 2020-12 | 5 | thin capital, delinquency 2x band | repo signal |
| 2021-03 | 7 | net worth falling, delinquency rising, charge-offs p90 | losing money |
| 2021-06 | 3 |  | margin squeeze, delinquency 2x band, net worth falling, delinquency rising |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |

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

- 2022-03-16 [American Heritage Credit Union completes merger with Viriva Community Credit Union, announces opening of Warminster, PA branch - CUInsight](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQQ2d6dTgzbG4xWlpoMHlfaWNCaTlyZHBuVEtQQzJfVW9pcVI5RENJd3RGR2UtQUk2UHUtNEx6YjZiRUpDX240cTVmYzlmdHNYdVFrLU1idGNrVW02Rmg4c193YzdaY2JCNFhMeGRTZzBIdWk1NU5GVFYzSkxXQld1UjgtSTdfcFpFVkMzTHNnQWxXOTBwOUUxRERrOEFWWk5BOVJXeC1uX3ZPNXdZaW1LRlltTjRiclBWMUtCOHBQSEFoYUJoMlhtcVhYRVkySFBMZkx2UUsydnE5WlFrNzc5anRjbFk5ZG1DY1daLUpDSDl2cktRTlc5dg?oc=5) · CUInsight
- 2021-06-10 [American Heritage Federal Credit Union agrees to its largest acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTnhWNlNuYUZZOUI2c21UWVJuMWFjbmNYYWlxZXRUZ0N0VzF2UEc3VW9ZeUJpM2ZqS1laVkE4bkFCUDZacTEtRkVaeG9ySDFJZ0hHSUFMSktfWjNPTDVUc3Y2UWFjR1A2RG1rX2M4X2ktdGRSMVFtVUhwWjhoMm53d0JXV0IzY0tYel9LaDdhOU9UbzRYSjlpQlc0WjhpR3RxYU8xc0hHLTc?oc=5) · The Business Journals
- 2021-06-01 [Refreshing the board: Professionals on the move - americanbanker.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWXlaekpORHN6NFpqRlU4S21YOWpkQjhEMTEtbzZqSUVMTVVLYkxaV3VTNW5XaXZsSFFCQnU5RFJCQTI4cVFXbzBjT0xKNmZfalo4UUNwaUZlYlZtTDE4bGNnbnB6dFpJTmtOY2Fna21VLVlOdjl2YWpCWUcwcFhtNjMyQUt1bnBjNlBVUERtdFRyekdBVU9ER1NPMA?oc=5) · americanbanker.com
- 2011-01-10 [GIUSTINO LUDOVICI Obituary (2011) - Philadelphia, PA - The Philadelphia Inquirer - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRE5YWmJXUUxWbHRHal9RNk82ZWljemdjWFNIZU85X1hNYnVYa1JEdmExUmJ1QXVSYkxCVHE1S2lwbXRpVXpXa0VaOVFGXzB3OUdTWW5aOFVyU1NrUXdPVHRaUHNjdDR5dUp1V2ctS1F2QWhtNHcxbDBHblYzVWxCRlV6UkxDRnNzYTF0cTRLQ3JyUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68564 (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/20.json (key "68564", 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=68564
- 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