# NEW CUMBERLAND
NEW CUMBERLAND, PA · NCUA charter 8110 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-cumberland-8110

Who the members are: federal charter, community charter, organized 1952. 22,762 members of 1,339,834 potential (1.7% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $232.7M |
| Members | 22,762 (3.8% YoY) |
| Full-time staff | 49 |
| Net worth | $21.2M |
| Net worth ratio | 9.1% (p17 of band) |
| ROA (annualized) | 0.87% (p63 of band) |
| Total delinquency | 0.63% (p53 of band) |
| Net charge-offs (annualized) | 0.52% (p64 of band) |
| Loans / shares | 66% (p33 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p86 of band) |
| Operating expense / assets | 3.83% (p56 of band) |
| Vehicles % of loans | 47% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 79% |
| Third-party paper % of net worth | 241% (p87 of band) |
| Vehicle delinquency | 0.30% (p25 of band) |
| Vehicle NCO | 0.78% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 19% |
| Average share balance | $5,228 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.6M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $11,982 |
| Loans granted, annualized | $22.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $10.6M outstanding purchased (49.7% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.9% year over year.

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, delinquency rising |  |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | capital below 7% | losing money |
| 2021-03 | 6 | margin squeeze |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 3 |  | capital below 7% |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | members leaving |  |
| 2025-06 | 5 | loan book shrinking |  |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 2 |  | thin capital, members leaving |
| 2026-03 | 2 |  |  |

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

- 2026-04-09 [What Are the Top-Rated Credit Unions? 4 Options in PA - TheBurg](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaUdobXFFb3VudnBMNW1KTU9WY0lkSVNiZGlYUUhYa0EwckpyY19HUlpLVGg4eTZUcVlBaWN1ZUhER2kwMnRFV2xrQ3RKNlVvWmpxQVFXU3ZqX2xBdFZRcl93VWI2U0dDZFpQdGtrQVp4a3NvNGdkbi1La3dNVS1scUtOUjctNm5Ya3FiWVFULUZoZWdpNWp4V0k0dl9uRUdUTEE?oc=5) · TheBurg
- 2026-01-06 [Mississippi woman charged with cashing forged check in York - fox43.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNQlY2RjEyM1h5WUllamoxeTlaQjYyYzZBcjZET2FCR2V1R0lCME5peHkwMlVINjlnOHV3TlNsTmx3NjFOd1IzU0doTC15ei1aQTZZeS0xRGtKWF9mbDljUmZiQXNmVWFCSl9tdXpueWVQblg3N0VaVDBpSVhVakdIQWxST0JhQTd5dm5xZmxhRWN4T3RkVjhzOGJ0aWZXYlRsLWRnSnFOdDBES1NDOXFTaGF4WGpQM0NEY0hROVNGLXZ3YlBZVFhHcHJsTHg4ZWhZT2RhazBydkRHa08xSy03bFdFR093MzNSRDQ3SWNrVU9VNjRmd0pzRkFB?oc=5) · fox43.com
- 2025-07-18 [New Cumberland FCU Becomes Member Of Defense Credit Union Council - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNVF2dHUxY2hXam9STno1NmFKTG1HdEN2TERvSnRxbWVIQUJEWVdrakhWLXlsLWFGelc0UmlhUlJQVDZkUm5Ub3U2WmRaU0dRdGNQMWZXcGdCVGxsT3dLMWJOQ1k1N3FhczMwT3F4SzZBTG5ZZnFnVHdTRzItUW5xRWt4SGw3aktMTjZwSHQ5X0djeDRYRF94blAxYUg0TWl5enNUMw?oc=5) · cutoday.info
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2021-10-09 [Molly Coulson Obituary (1976 - 2018) - Lemoyne, PA - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUUpYQUVzWWNzZmp1NUpmZ2tsNkJzZkJoNk5mUGx5Zi1wSGw1XzU1V1gyYm0zODRlNUI4UlY4c0tOMlRGbTlEdW1KZFREYVVKMWZIQnlhMnVWdnZtZjM5Wndwd3NZV3VXU2lxVnducldfMkpoeThjN2JHVTRBQlM5Wm9QT05Ja05FRXFsWW9wdktWVGs?oc=5) · PennLive.com
- 2025-06-13 [B. Dianne Crone Obituary Jun 13, 2025 - Parthemore Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1iejNnM0lvZlBzQTQzbzJVZ0dYWkd0OGN2anBNeDU1Y1dISWxHcjhMX2hnZkRFWmJaamQ5cEhFY0FUSHlWTE1yVjI1eEVzbllwOVJ4M0VTVW1vamRNVXRlSk1R?oc=5) · Parthemore Funeral Home & Cremation Services
- 2023-12-11 [Louis Vittor Obituary (1946 - 2023) - New Cumberland, PA - PennLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNEsyVklhTk5Ld3JET0RzNlBvRVhvMlc1SThPRE1saFM4VzFjdlZ6aWIyQnczeFg1MHZ5UWgySjI3cXd3d2xBU3RpOXkzXzJZalFjbktWeFdlbEdQbjFFelF6LWpxTEhzVXdpSVZkSi1pWGd5ZWlnSEtaYWVzR2hYYzRCSGI0NGE3T3d4WTM1VGduUQ?oc=5) · PennLive.com
- 2025-04-08 [Best Banks and Credit Unions in Pennsylvania 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3FrcHROSHpxSl9DSnI5Nk1vNFpIOXlxV1liN3FuU05SZ245cmRERTRDQ0RYbGlUMldiclhKcUhIZEZSOF9BSkhuSTNsbVYyR09vS0ZqMWZZLWxIdTZXSzlFdmVhVzBtbnpfQ1JaRFNoWlFJZzA1YnpOekRYckxoY0hxdVJ3YXk5WVJId3RxRkZHOFRH?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8110 (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/46.json (key "8110", 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=8110
- 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