# NORWIN TEACHERS
North Huntingdo, PA · NCUA charter 7842 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/norwin-teachers-7842

Who the members are: federal charter, multiple common bond, organized 1952. 3,480 members of 5,000 potential (69.6% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $38.1M |
| Members | 3,480 (14.7% YoY) |
| Full-time staff | 5 |
| Net worth | $4.1M |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 0.97% (p69 of band) |
| Total delinquency | 0.23% (p33 of band) |
| Net charge-offs (annualized) | 0.54% (p76 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 2.79% (p26 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.09% (p36 of band) |
| Vehicle NCO | 0.95% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 8% |
| Average share balance | $5,926 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $16,866 |
| Loans granted, annualized | $9.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 | net worth falling | delinquency 2x band |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | assets shrinking | delinquency rising |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 4 | thin capital, margin squeeze, delinquency rising | delinquency 2x band |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 4 | delinquency 2x band |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2023-03 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2023-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 3 | net worth falling, assets shrinking |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 0 |  | thin capital, assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2026-08-26 [Barbara Popovic Obituary (1955 - 2026-08-24) - North Huntingdon, PA - Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPQ3RtSk9FQ1pieUl1WGEyZnpMSjBHZmVyU1B2Q2lpUklSbTI1OWFTRHVMa2JtS19WTVRPb2QtUFhOaVU3UWxkemswODF4ajlSU0FEQ3Q0cjFDRGlZRDNvOE91RXVqSHhmenJMOVc4ZERzLXRJR0l0TlJjLXNqbUQ5UlNkRG80eVhzVzFXTjdkU0txYXRFYmk1eW1rNjJZc3BmZWl0SQ?oc=5) · legacy.com
- 2026-08-24 [Barbara J Popovic Obituary | Ott Funeral Home, Inc. | Irwin, PA - Tribute Archive](https://news.google.com/rss/articles/CBMid0FVX3lxTFB2SkRTaEFncWhaeDZ1a1hEV29NM0lXZ2ZpNWFValZaT2ctMUN6ajJZQTBQcmtrX0JnNUtBelZoRkFQSlZvXzIxNWctbmFTUWVnWUNDUzdTOVp3SGZWa0dNLUFuVWh6T1VHRU9YRFBjLThieFptZHpV?oc=5) · Tribute Archive
- 2019-06-03 [New officers and directors to serve on the Pennsylvania Credit Union Foundation’s board - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOOWRCMy1jc1ZiS25nZkNVbWlXSWRtWWY5RlRKQWxEclV3X1hjMkJfRTJ1SzRrTTVDR2UwNVpWaWU4LXdicXNWYlBTVmVKODdoWHVPYVJlT2tiQjgxUWN6ODZhWUlTT3dleGswTEF4RllEQkhzckwxR0xEVG5xbEQzR1hIaldPNDY1NFNYcDJBSlNfREFjcndncldZM184MmczSVlzN09PM01pNW9VRER0bHRSYVpZajBGaU5yMFdoZkxrODFOQnc?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7842 (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/34.json (key "7842", 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=7842
- 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