# PEOPLE FIRST
Allentown, PA · NCUA charter 6885 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/people-first-6885

Who the members are: federal charter, multiple common bond, organized 1950. 74,678 members of 980,089 potential (7.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.03B |
| Members | 74,678 (-1.0% YoY) |
| Full-time staff | 151 |
| Net worth | $77.8M |
| Net worth ratio | 7.5% (p1 of band) |
| ROA (annualized) | 0.28% (p14 of band) |
| Total delinquency | 0.90% (p76 of band) |
| Net charge-offs (annualized) | 0.64% (p62 of band) |
| Loans / shares | 71% (p16 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p82 of band) |
| Operating expense / assets | 4.11% (p89 of band) |
| Vehicles % of loans | 35% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 228% (p72 of band) |
| Vehicle delinquency | 1.10% (p82 of band) |
| Vehicle NCO | 0.82% (p39 of band) |
| Repossessed % of vehicle book | 0.02% (p29 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 145% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 29% |
| Average share balance | $6,618 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $38.6M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $20,972 |
| Loans granted, annualized | $124.2M |

## Participation posture (from the same filings)

Bought $4.0M and sold $0 in the latest annualized quarter; $38.6M outstanding purchased (49.5% of net worth), $3.9M sold and retained. Sold in 5 and bought in 5 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | members leaving |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | members leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 6 | net worth falling, loan book shrinking | delinquency rising |
| 2021-06 | 2 |  | margin squeeze, delinquency 2x band, net worth falling, loan book shrinking |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | thin capital |
| 2023-12 | 2 | thin capital |  |
| 2024-03 | 4 | net worth falling, losing money |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2026-04-24 [Susan Marie Weaver Obituary - - The Morning Call](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5XR2Z3Q2RfRVMzMEJUY1RHVk9IZ005SGZhZ2pPZUphYk56NFNIX0YwRk9Zb25IZUVFNUUyVG1rY09qWVFhTzV6V1N3bi1YLXBYYlZsa2ZOZUlLWmJubkdYLXBR?oc=5) · The Morning Call
- 2022-05-19 [People First Federal Credit Union Opens Solutions Center in Allentown - Lehigh Valley Economic Development](https://news.google.com/rss/articles/CBMixAFBVV95cUxPRHB3cW9mMXdLZXhLS3JMMnZoZmwxd1dMY3NpU1ZnaXZYMzA3MGkxX2syTUE1Q3RyQ2l1ajAycnhIdi1UN05BbXhwcDQ1OUpoMXdMd2EtVHNRN01URFk0cWI1aUxNeTNSRWJZdFBBMHF3SW42MWVMVXpsSzRoU2tTS2NITWYxNzBzMVJRcG42MUloXzZ2dFhNTzZ2RWtNazBpWk5mbUtzbWVNVnlESDMwdTZ0ZG5zNWNwcXlsQmV6VktQN3pS?oc=5) · Lehigh Valley Economic Development
- 2022-05-20 [People First Federal Credit Union opens solutions center in Allentown - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYlJsR2JqY0ZVeW5teGwtUkoyUlFmSnpVZTZBOS1RMHZHWWt0ZTkyWERDTXZPY3VpQ3FiOHZQRE1xT3BTMTQzWVotNmoyeTlnRnlyODgwTnE1VUZDYVU2LTN3ZmlkSXZsay1PeElrOFVZaXdxcDFOWmJnRVRjT2dkUTdTQnEzWDFVYlZaRjgtTWFTWkx2SFlsTmJyOEdvWXg4T0lMVlQtRHJVVHZzRFhv?oc=5) · CUInsight
- 2024-02-03 [People First opens digital branch in Palmerton - Times News Online](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOWU5TlowcG82QzQySXFEb0xjdGtYNXJfdlRQZTY4aHNOSU5nNWVjRWRwaWhJY2ZEdlFhU3lIdVZxaFk1UzNlZ2ctLWdGcTRncjRkaGdNOGk3dlZvaHVSVlRIQ1FsV0ZUQVJkSjZMdFNCOF95LU5pSlVlMl9mVkFrVFpYNWR6cDZU?oc=5) · Times News Online
- 2020-06-29 [First Commonwealth Federal Credit Union Named Forbes' #1 Pennsylvania Best-In-State Credit Union And One Of America's Best Credit Unions For Second Straight Year - PR Newswire](https://news.google.com/rss/articles/CBMiugJBVV95cUxQRWo0bVBPMGJLUVNwamJTWU5Mb3liMFh6S0ZGTjRSOTlRSE1RU01vX21yS0p0czNvZ0xJN1FvaXlsZDJSby0xakZ5eERuak1RdU95dEZnZlVCVHg5Snl0N0lxT013Ml94QTZnQkg4RjZnRnc4cUo0T2RfVTRvMi1fd0xJYTZYWENqWjZQNFdWY3lHMHEwX0d4ZmxoU045ZGdxZ3kxRkNGU1FCaVZGZ29nUjAxQVU5dWFoTmNWX0JmZTFJVzEzdDhtQUEzVHJISjZBc2VLd1cyMXJ3SGlJMXZSdms1OXJMdzdaTkpONGJmOFlZTWtfY0xaSnRZeUpzNzU0VGZSbnNuUm1nZnZaQTl3Rk91X1dKTnFwdElBQ3ZicGo3OTgxSTNDaTlmU3kwM0doc3lhd1NmSjRWZw?oc=5) · PR Newswire
- 2021-07-01 [News | People First Federal Credit Union’s Planned HQ Relocation Marks Latest Win For Downtown Allentown - costar.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPSW1WX3dZVWF2MF9iS1prN0laUUlEYmgydkxCRldTa2pwV1ExanVJMjJrUUlIZk9ILTFwUERrTWtNX1BTci1vdDBLMW9CS1pGbXVrS0FiblRnREFHWGp1M2pMbHVnT3EwRjg3cmhYTHpoQ0xPQVp0UE1MTTlqWTVtRDYtVWgwd01LNkw1VEUzalF1d3c1WkNHYXAxZHdxZUUtaFAyRnptRjVOSmg2bFFYTFdua1E4ZWRCTUpOTTFiRWV0M2pZREYwRTdOVHpTUU9TZFNuaA?oc=5) · costar.com
- 2025-03-24 [Howard Meller - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiR0FVX3lxTE8yZzk4c1VocFROVUh5c05YODNqTDlkdkhyMnhmcW9iTjJKV3YtV3hSM1ZzUjRxa2ZGUGdzVm5PNXNCcnhiaWow?oc=5) · Lehigh Valley Business
- 2025-12-08 [How Servant Leadership Shapes Team Culture at Alliant Credit Union - Built In](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcTdQYVQtNTVRcm5VbExHRUtXMzdQYi1TU2JRUzVQS205ZG5oUEhkSWV5bENfSUt6YVdkMnM5c0ItRVY4VnNfb01xaXhZaDJJWE0zUVlYZC1FMjBTb2JYdEdVenN1Z2tCRlJWV05PbHlyRmtfNjREWlp4YVJaLWhabW9EWmZKT1Q1YlllVC1US2gtLTU5dTZyX2lFdFJQRzh6LVE?oc=5) · Built In

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6885 (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/37.json (key "6885", 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=6885
- 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