# PHEPLE
Greensburg, PA · NCUA charter 7297 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pheple-7297

Who the members are: federal charter, community charter, organized 1951, low-income designated. 18,291 members of 2,003,310 potential (0.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $136.8M |
| Members | 18,291 (-4.2% YoY) |
| Full-time staff | 47 |
| Net worth | $12.5M |
| Net worth ratio | 9.1% (p15 of band) |
| ROA (annualized) | 0.49% (p36 of band) |
| Total delinquency | 0.61% (p50 of band) |
| Net charge-offs (annualized) | 0.39% (p56 of band) |
| Loans / shares | 87% (p85 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 1.10% |
| Net interest margin | 4.38% (p86 of band) |
| Operating expense / assets | 6.40% (p98 of band) |
| Vehicles % of loans | 56% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 249% (p91 of band) |
| Vehicle delinquency | 0.48% (p45 of band) |
| Vehicle NCO | 0.06% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 18% |
| Average share balance | $3,694 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,839 |
| Loans granted, annualized | $39.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (13.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-08-31 [MONDAY, AUGUST 31, 2026 Ad - Pheple FCU - Tarentum - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2023-10-02 [You Can Now Earn 6% on a CD—or Even More in These Lucky Places - Investopedia](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNXNBYm41cFRncE01UzlyZHpvbG94NF9MRXhWTm5waGdRbzIzY1lOaVVlT0M2VVBDa3RsaWMzODdEWXRtVXR6RnBKRHh2ak4yOEVCbmFpV2dYeWhwUTNaTXdpMG0xLTFkTlY3aTRKNUZsVE5QZGNlWG1pRlVRd3cxQzRB?oc=5) · Investopedia
- 2025-02-21 [CUInsight’s inaugural Advisory Council: A new era of collaboration and innovation - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQXzc1cndLRXp3TWNkVXl5V3NOSjFkNUhwSlVSSkJUTjlYdDIwX0NPSEtpMHcyT2JoSk9DX1RpMlUxOWJPdmJaMVhVbDdzaVVWTEthNjdKV2gtbXdlQXJFbHFFR1VIY1RnWlZYUWhwZmI4RUNTMGRXdXFrQTE5X1ZNYUFSVnJWNk95U3J5dmlGNEE1LW10WUxaUXVGMEJSUGxXdVMxei1uRmZsQQ?oc=5) · CUInsight
- 2025-01-22 [Judy Rugh Obituary (1943 - 2025-01-17) - Harrison City, PA - Tribune Review - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxOODVjSnVEem5NaXRBc21KTWJEeDM0QS1Xa2l2cGZWOUc0aVBRSm5FcGE4b19hTjVqWTRVaGhqYkdMdDZBY0x2WjZSbGkyZ19KNElYVHBRdDR2TDRTSXVTQ0xpcGdHT0dxN1RXQm1KMjlONnNiNjVRZWtwVEo4TGw5T2YyX29KdkZiTFB2QU0zR0ZoeDJ2bTQyRm0tNVk?oc=5) · Legacy obituary
- 2023-05-23 [Ciara LaVelle joins Humanidei as Project Manager - CUInsight](https://news.google.com/rss/articles/CBMikwFBVV95cUxOVDFNVFZhc25uM0lkSWROYXBPV3pocmdQeHFkQzhTMEQwdjR3aU94Y2VBalRsdGtSZHNpZk9VT1FxbDF4elJEREpOY0o5Y1V1MDlHUll6Ykg4NWdqWUZvUjczLVdiOXRjb3FibTlGakVGOE04UzRLc0tnTXNZOTYwMjExblpocDY3NEVuaTg2cHhrZGM?oc=5) · CUInsight
- 2023-06-12 [Trafford man accused of bilking credit union out of $73,000 - TribLIVE.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxON3FxOVRaOXJueXFUYUE0QlRYdGtVUjNnUDk2UmlWN2c2SXItakhuM3VvSEVIMElCdXNXNXlKWm8wcXpNa01yZVdBalpHVEFZbnRYMllSQ3ZZdkNYcVIySDZYcngzdEVQU2VZRERLMUVPeENFYTFmOGluZm9VbDE5QV9yaGtvcWlqTVE?oc=5) · TribLIVE.com
- 2022-12-08 [Speaker series highlights Westmoreland County’s ‘hidden treasures’ - TribLIVE.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPTzI0Y2ZLTTBlQ01GaU83c1BKZU1BM19aa3VBMU1ZRWxYZjZwRWZtVzY5UWlSSGR5MmRHX3p0Nk96d1hvM21iaWlKd0VzOXhtTHZqVTVWV2FoSHZTVTVtMk9sOVNRVmFIbU4td3o5NHBDdWJIbjlUZktFU2lWZDFwcEpjamlqOEFaSUFENXFOckdUa2Zjd19Zbm1oRjlvakFqYzVKXzNkeXhZdkpSSEJaWmRR?oc=5) · TribLIVE.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7297 (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/1.json (key "7297", 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=7297
- 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