# BLAIR COUNTY
ALTOONA, PA · NCUA charter 8831 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blair-county-8831

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 4,461 members of 9,500 potential (47.0% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $77.2M |
| Members | 4,461 (-2.9% YoY) |
| Full-time staff | 9 |
| Net worth | $17.2M |
| Net worth ratio | 22.3% (p95 of band) |
| ROA (annualized) | 2.09% (p96 of band) |
| Total delinquency | 0.28% (p27 of band) |
| Net charge-offs (annualized) | 0.44% (p67 of band) |
| Loans / shares | 19% (p2 of band) |
| Cash / assets | 59.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p44 of band) |
| Operating expense / assets | 1.89% (p5 of band) |
| Vehicles % of loans | 30% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 10% |
| Average share balance | $6,799 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $8,470 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 1 | net worth falling | members leaving |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency rising, members leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 | loan book shrinking | members leaving, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2021-06 | 3 |  | loan book shrinking, delinquency rising |
| 2021-09 | 1 |  | margin squeeze, net worth falling |
| 2021-12 | 1 | delinquency rising | losing money |
| 2022-03 | 1 | net worth falling | delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | delinquency rising, members leaving |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

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

- 2021-01-18 [Police: Tyrone woman charged for stealing over $45K from credit union - WJAC](https://news.google.com/rss/articles/CBMingFBVV95cUxPdlNRU1F4M3lvLVlpRTlFa1U1ajFFNTVkNUZfeGtoUm83dEp3eEpiRjlHeC0tWjdBLWlhM09VVGZhc293VjB1R3hsUC1YbG5oTmZDMXVxaDdfZV94dksyXzc4UlQzSEtWallmR2V4OFU1S0RRUHBDbno4aG5DT0FaR182a0NsWFlsQVVOdUx4Rm8xaHhrdFgtSVdYNGhVZw?oc=5) · WJAC
- 2023-02-24 [Blair County Chamber of Commerce - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMVNBeTlQMklZYVFIOTR5bFJVS2xQWDVKbm1CUlJKakhBWmJtZXNRQVNidHo0bHhVMDY1OUhkUTBqOFVjdWU5N2M0M3hpWXpXcFdrLTRvYTdDUWJBX3FJY2QtaGJfaTFrRHpqN1VqRm5oU0VYTGFZd2lwSVkxMUNOZUhVVFQ?oc=5) · Pennsylvania Business Central
- 2022-04-09 [Workplace - Altoona Mirror](https://news.google.com/rss/articles/CBMid0FVX3lxTE1jdm56SzNxWEV6YVpMSUQ2b3lYeTNPVlhMci1WdDdQMW13cWYxd3FETUduTk00elkxUU1NODFkc2lXbklGSkltdXZiTmtQSDVPUWVwa0d2b3ZaSFdjc3hrM2E5X3JYUENpdG9Zb0xmY3BRNnBKbVpR?oc=5) · Altoona Mirror
- 2026-03-27 [PHOTO GALLERY | Blair County girls top Central PA 70-63 in Altoona Mirror Basketball Classic - The Tribune-Democrat](https://news.google.com/rss/articles/CBMihgJBVV95cUxPallNcWMza0tXYmxET3lxUmpOdmM2YjRQNFBCRjBIY2dkVUdVNDBrRmd0SlMwbUFnTkVDMFFBazZxLTFNOTJOa0hJaWhtMTV3MWZMSjRHeEV0V1FFSnNhYjNzaWtycHV4MXltX25ubC1LYjJCcU1ZLW5adnVSVnZ6ZVpIM3h5QnZPVVJuME1Wd0YwZDNoU3hFbzRnYmI4LV9QMlhOX1BDV1QyS01qUjBQVnVTckFPQlZNVFZYblp4U1Z1T2o1RzFsZzMyeHA4UTBfZFVwcjZjQWMwWG9wSmZ6ZFJySWZwa3haQmxBLXVtcWZ6dWotV3hSS0ZZYlpoaGZPNVZORFFB?oc=5) · The Tribune-Democrat
- 2025-09-11 [‘Gang member’ jailed in Blair County after statewide crime sprees - WTAJ](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQkhKbFNEQzJDb1JYb3VmYnZvZGpsQllBSFc0YVE1X2ZlVmRBai1sMGMtcDZIVHFsSUdWVGxzWTUyeUxKR3BxOEEyekhCYXBhai1xTUVMXzFxR1pEX181UE1Fck5NSGsybGdyT0dNRmNVdTZxVklCR0dqS1k5cXVQRENhQnJwR1ZPb2Y2Unl6bDhGU1hndXczZTJkZVpKRkF6bmhR?oc=5) · WTAJ
- 2024-06-03 [Melvin Packard Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5hbzFvSTd5bmIzaVpMSmx2QXQySDFQelBzYVJzNC1MTlJmeUxUZ0JCSUJMT05fb2lNcDlLUTdORUU0VEZYMTZjb3ZfMWdsNy1kNUNoR3ZaQmdOVl82dk9uUTZsNA?oc=5) · The Morning Call
- 2026-05-16 [Community Foundation presents scholarships - - Altoona Mirror](https://news.google.com/rss/articles/CBMinwFBVV95cUxOVmtwNG9uRU9LSWZjbUEtdGZUUk81dHQ1MmZyNHMyUTgyZFRoMTlzeDE0S3JtYVg0X3JobkVkTWFYcXJha1FHZ2V2dlNnU3BvdFlOUElRZmhvUE1oTGZNSE4wZmpKXzFZWi1wY0o3ZGlSN1ZYX3EyMTliZVdzemxpYjZWTjdSX19FdjZXa1hSRklOcGNtMmNHMjJRUjBZQ2s?oc=5) · Altoona Mirror
- 2023-04-29 [Michelle A. McIntyre - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMic0FVX3lxTE45cHJ1QmJyN2dYdzN3Qm43TFJHQXZRV2NhYTFVZ3YySUt6dGNKZWZ1dzMwcW51OFljZElrdnlOdlYyWXdnRGdfYUhYSkxLOFdOUkM5TWVyVHZuRm1sWkZUcGdRTm9TdE94RFhuNjJXUEVXNWc?oc=5) · Pennsylvania Business Central

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8831 (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/63.json (key "8831", 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=8831
- 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