# PHILADELPHIA
Philadelphia, PA · NCUA charter 7238 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/philadelphia-7238

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 122,105 members of 1,645,181 potential (7.4% of the field); checking penetration 85% (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 | $2.01B |
| Members | 122,105 (1.2% YoY) |
| Full-time staff | 280 |
| Net worth | $251.4M |
| Net worth ratio | 12.5% (p76 of band) |
| ROA (annualized) | 0.56% (p37 of band) |
| Total delinquency | 0.85% (p73 of band) |
| Net charge-offs (annualized) | 0.76% (p73 of band) |
| Loans / shares | 70% (p16 of band) |
| Cash / assets | 19.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p25 of band) |
| Operating expense / assets | 2.93% (p34 of band) |
| Vehicles % of loans | 11% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 9% (p14 of band) |
| Vehicle delinquency | 0.96% (p76 of band) |
| Vehicle NCO | 3.84% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 120% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 24% |
| Average share balance | $5,844 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $23.1M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 71% |
| Average loan balance | $23,451 |
| Loans granted, annualized | $454.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $23.1M outstanding purchased (9.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.7% year over year.

## 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 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 5 | losing money, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling, losing money |
| 2020-12 | 3 | charge-offs p90 | delinquency rising |
| 2021-03 | 3 | net worth falling | charge-offs p90 |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 1 | delinquency 2x band |  |
| 2022-06 | 0 |  | delinquency 2x band |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency 2x band, assets shrinking |  |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 0 |  | assets shrinking |
| 2023-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | 3rd-party paper>100% NW |  |
| 2025-12 | 1 | net worth falling | 3rd-party paper>100% NW |
| 2026-03 | 1 |  |  |

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

- 2026-04-03 [Philadelphia Federal Credit Union cuts ribbon on Glenside branch - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVEZ0VGdlVGVuSWd0VS1fU1BmMXY3dUQwY21acWRENXk0Ym1zWXZ6c1RpUXVwT3NkalFYa1ZlSEFtX25NbGp4S0lxa0syNVdRdjVLNTdpdERqajFrckl2X0MtUXpod3VOMk54X3hKaS1ZS0lQOU96MUJsdmphSlVkX18xWnVzYnF6bkZSNlBKLVFjY0pFZ1FxY3RaNVNMOW1UVWdGUlcybFU?oc=5) · CUInsight
- 2025-12-17 [The Growth of the Credit Union Sector and Its Implications in the Third District States - philadelphiafed.org](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNcGlLcVRublc4d3NzaWIxRS1uaDNlQ0c4MnVXZXhQNWQxbFgtWE1scU5iT3JwVjVEY3VBRkdBOHQ2SXdwSEdjRXVMTDkzRG1WRTQyc0F4b1duY0dNZm1UX3FwUF9RM01LS0tRQTZ2TUZFMGkydXc3T2NNWkZhaURDWTBBQkZGc0F3OFdGd1B1RTRycExSdkxGU3MyaDU2ekRqbF9UOEJtdjg4OWV1RlJkblpPYjRJcnEwYzR2elN5MVVyLVFDczU0MjBoSTFuQmk0cVQ2WVRHRkZLZTBjVW9Rd0g5NmNhVk5oRC0wLTZKREkyUQ?oc=5) · philadelphiafed.org
- 2026-08-11 [Citadel Credit Union Announces Third Philadelphia Branch Coming to Hunting Park in 2027 - PR Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOQ0lIWERBVmxWbUpObWlLRFhxYkRqdXdMTEE3RUdZU2QtX1c1cWRkdjR4ZWhwSFlyb3NIZFMxaDM5ckUxYkdnS0VreTZlOE5wMmNnZW42MXVLc3lwclR3MFdBV1d0ZllBUXFITERCUXRoQllQZW0yZ0hSZVJCV211cXE5bC0xNHp2U0VKNlNRWm1Pb2lrOFlvX1l6RlM2cWNVem1yZk1rbl9pVFRPWHZzcUZnbmRVY2pINzAzTlpIbjhvc0J0MGJlY2NPbFlXc0tHWFlCUzJnQ09xeDA?oc=5) · PR Newswire
- 2026-08-12 [Citadel Credit Union's growth in Philadelphia continues with plans for third city branch - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNajl4bXM0ZWp0S3hpUXBHUlAtVHNibHlZa2U3MmtSUHNTQndmdE9uSS1FNTRPVC1aa1VMVEt4SjRmV29UUkpDZmRUVmc3emw1QW1RLVM2NnJqcVh2cHBvR2dtbjdRRFM0bzAtNXQxNGlFVFJvTWRBZE42NG1yemZCODNOcmZwT3ZrakxvdVBkNU5mWmY1UXB1UVJ6STdLcDAzTWxkbWxWbWVzZkcx?oc=5) · The Business Journals
- 2026-05-26 [The City & State 2026 Forty Under 40 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMikwFBVV95cUxNN0Q1dTVBWFZOdXpjZlNYaS1ieUNpOGMwN0ZuVExpRVZGZVI3LXY3N0JlNWFaLTdoUzRZU1JiakVFZzJvNXNybTRFTWs5cXpWd3hvTG9NYUE5TWFRVmt0cEp2dmxYeHNCQVhiQWF0NjU4YzlRNGJMNm9SVzQ2WS1pZ0dOVnJPV09XS1pxRzZhSkVnSVk?oc=5) · City & State Pennsylvania
- 2026-05-14 [Armed man taken into custody after Center City barricade situation, police say - NBC10 Philadelphia](https://news.google.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?oc=5) · NBC10 Philadelphia
- 2026-01-06 [Law Enforcement Officer Pleads Guilty to Multi-Credit Union Loan Fraud - CUTimes](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNM3BveGtuaUVqVEJJZm9ZQ2lYZTh1Q2ZROUpJdGVLUkJPaUp3cjNuNl83bWNxZm1QemEwcU9NRDc4N1h2VlNIa1JWSUtIWXpnX2xUdTA2WF9jOGhJdTQ4RXh5YzQyNUJGeUFkM1ZxTjhhTmgxQk4xQlFIeTd0Y2I5dnQ0anhpelBSZ3ROMU5GalRaU05MTWtycG9nNGt2czBEN2Y2YjQ4V0FNZw?oc=5) · CUTimes
- 2025-02-27 [Philadelphia Federal Credit Union Announces a Partnership with Saint Joseph’s University - sjuhawks.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPUjRER3VXU2FLWVhnSmxNaUVwSXZvS29wbHgwbzFFWWx3eXFFWjV2SlJ1V3YyVm52Z3RoeWVLZEtlMy1OQUR3MllqRW9kcDd6ajBPQjZiY3RmQTNYM0xvbFo2MFhuYUFjYjEwb3J3bUg3VlBNakZpMng3a0FKdXBxcU05Uk5VeGlQQkx5LUJINzFFbVlTUXZ4cWtHUWZMMGRKUDFzNXMwUVhiVG84YWJ0TG5waGVqOHZZYnlvZmxuOW5EWE12X3VlVWREOGQydTdCMVZscw?oc=5) · sjuhawks.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7238 (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/6.json (key "7238", 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=7238
- 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