# UNITED COMMUNITY
West Mifflin, PA · NCUA charter 7415 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-community-7415

Who the members are: federal charter, community charter, organized 1951. 8,514 members of 1,814,590 potential (0.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. 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 | $127.7M |
| Members | 8,514 (-5.1% YoY) |
| Full-time staff | 19 |
| Net worth | $16.6M |
| Net worth ratio | 13.0% (p67 of band) |
| ROA (annualized) | 1.28% (p82 of band) |
| Total delinquency | 0.02% (p2 of band) |
| Net charge-offs (annualized) | 0.22% (p36 of band) |
| Loans / shares | 42% (p9 of band) |
| Cash / assets | 21.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p39 of band) |
| Operating expense / assets | 2.90% (p24 of band) |
| Vehicles % of loans | 70% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 173% (p82 of band) |
| Vehicle delinquency | 0.03% (p7 of band) |
| Vehicle NCO | 0.22% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 12% |
| Average share balance | $7,472 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,818 |
| Loans granted, annualized | $19.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2023-02-15 [United Community Banks to acquire Miami lender for roughly $116M - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSTgtNkNSS3k5N2FnQXBadk9xUFdkemFMTjhVQzYxV0ljanNfZnNuZlNuV3h3UzNmUlJ1Y0NVYXdSMEJoYUJqd3ZBX1YweG1udi0zYTdGOWtjZ0lfUVNXQ3U4WFRpeXIzLVFsTkRnaVdvWnpERHhrYmJKUk15X1hnVXJFczRKdjRJM0ZrM0dlaFdESU1mRVVDSzBtSHB6NTc4aXFEQlNXdEtyUQ?oc=5) · Banking Dive
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2023-04-10 [Obituary, Visitation & Funeral Information | William B. Williams - Jefferson Memorial Cemetery & Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSVZtWkRuaGFGWGZGcTMtbkpkY0ltdzhUSUlzYjZRbUhxNV9DU3VIVjhJMS1oSEFnR1ZGWkdrcVh6YlBtRWdaeDF0NGp4eVNKU29ub25NRS01am8zZXJ1UUpVdHpKblM5aW1xYWJHUE05RFZYVXB0N3NacFI0Nmxkb2NR?oc=5) · Jefferson Memorial Cemetery & Funeral Home
- 2024-04-13 [Marlene Kucera Obituary (2024) - North Versailles, PA - Triblive Online Only - TribLIVE.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc0pVcmVHOER1M24xNHItUTNBVlZBcFM4dW1tNGhPZmtzWURzeWJnWnRjZ3NOWDQ2RTJyYXFRdWEtcEl1TEFLR3ZKbzczT09fUmUtY21Db3ExVVBBWE9BV05hVlMxeDNWZzU0OVFfWGNEaVNSamNDZXFCaGZvUjdfTm9jaS1rdFdna01pWFJQSzdMMXdwMjA3S0paRjdkd2w3MkE?oc=5) · TribLIVE.com
- 2024-12-26 [2024 SC Best in Business - Greenville Business Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxOaE1Yb1M3UER3RnZ1QU85R2VCWGlDSDR2Yi11LThzcmhLUWN0eWs0RDZSdVVzN084SUhoSFJ3dHNDcDdKX0Z2eGk2NFVjVE5oOTZOSTd0aFpKcnZmdHhDazVTQkJsNnVyWkp1RFpJcFNPOU9oc0psWnFvY3FaVFplWg?oc=5) · Greenville Business Magazine
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2008-08-05 [Ida Theadford Obituary (2008) - Easton, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUU01VXZIZWJfdThfRkVFSkxXQnV0Q19yY09PeF9Jc3k2S0t2dFN6ZDZnXzkxMDlZS25CMkt3elJmQ2FoQlRNbFdRYjBEUnRLckZaRlM4akxaaFAzZ1NndXVGVm03RmxBNXlPX0lZVWdFcXBkTGttX2xuSmg0M0ZoM1lPUGUxV2hxZ1UyZkdWMkZWaF9JdzdIMQ?oc=5) · Lehighvalleylive.com
- 2024-06-28 [Springfield First Fridays series with music, food, shopping continues in July - The Tennessean](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNY3dzWXFwdl9BbG5fenRTZ0NJeFJzdG1DLVFFOWJ1dlRNbFlGMDY1SER6TnlPdDRzblBaa0Y4ZWVJeFJUSTh4UXZjSElibDVVTjBNYVBNNnU4S0E4T2lWaFdkOC0yUlhNMVFVRXBXZWZ3UU5mMmc5dnRqMHIzUDZNQUxELWtaVUpQWTFFUUVraUJUNmF6alBudjJ6MEVJanJaaUk0aHljTVBQTHpSZDBqNkNjRlVmbGJJNl9VUENWWXBDNTFDZ0E4Qk1WYlFhXzRXMW5mbUU0X0htVTBjaVJz?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7415 (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/55.json (key "7415", 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=7415
- 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