# POST GAZETTE
PITTSBURGH, PA · NCUA charter 90 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/post-gazette-90

Who the members are: federal charter, service (single sponsor), organized 1934. 1,386 members of 2,000 potential (69.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.5M |
| Members | 1,386 (-0.9% YoY) |
| Full-time staff | 2 |
| Net worth | $5.0M |
| Net worth ratio | 67.0% (p100 of band) |
| ROA (annualized) | 0.22% (p34 of band) |
| Total delinquency | 4.41% (p92 of band) |
| Net charge-offs (annualized) | -0.05% (p14 of band) |
| Loans / shares | 144% (p100 of band) |
| Cash / assets | 52.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p54 of band) |
| Operating expense / assets | 4.00% (p60 of band) |
| Vehicles % of loans | 85% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.06% (p92 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $1,669 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $7,904 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | losing money, charge-offs p90 |  |
| 2017-03 | 2 |  | losing money, charge-offs p90 |
| 2017-06 | 3 | assets shrinking |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | delinquency 2x band, assets shrinking |
| 2018-03 | 3 | delinquency 2x band, assets shrinking |  |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 4 | delinquency 2x band, assets shrinking, loans>95% of shares |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | delinquency 2x band |
| 2020-09 | 3 | net worth falling | assets shrinking |
| 2020-12 | 3 | loan book shrinking | net worth falling |
| 2021-03 | 4 | margin squeeze, delinquency 2x band | loans>95% of shares |
| 2021-06 | 6 | net worth falling, delinquency rising |  |
| 2021-09 | 5 | losing money | loan book shrinking, margin squeeze |
| 2021-12 | 6 | charge-offs p90, loan book shrinking | net worth falling |
| 2022-03 | 5 | assets shrinking | delinquency rising, charge-offs p90 |
| 2022-06 | 4 |  | losing money |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | losing money, charge-offs p90 | delinquency 2x band |
| 2023-03 | 4 | delinquency 2x band | loan book shrinking, charge-offs p90 |
| 2023-06 | 5 | loans>95% of shares |  |
| 2023-09 | 4 |  | losing money |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 6 | losing money |  |
| 2024-06 | 6 | loan book shrinking | delinquency rising |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | loan book shrinking |
| 2025-03 | 4 |  | losing money |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | assets shrinking |
| 2025-12 | 5 | losing money, assets shrinking |  |
| 2026-03 | 5 | delinquency rising | losing money |

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

- 2024-02-20 [Grab a comfy chair and take a break in Pleasant Hills Middle School's Chill Room - Pittsburgh Post-Gazette](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNZjMtdFRzQ2toVXQxdXh1cU9jV1lYMXBOcnZNNzVQS1VqZGlfQXBjUi05c1dETVFpUEJyc3hBUUVBc2tjYlRORGFjOXRBNTc0SXMyMUVPQVVQckpURjVIRnpjX2NRczhfTUpNUVFoNkdFclQ0UGRISVQzY2Y4TjdzWGFvUzFaLWJ3VThldU1PaXhUbnpGV1BtTzZYalJLOEhkRjUtanhjU2t5a19WOXphbmY4d3FyQ1VtRkJNLTZCSERoM0hwSXZFLUFrSkJMTXhrZTEybGFKNlQwOEhoTk13MlYyREI?oc=5) · Pittsburgh Post-Gazette
- 2023-02-10 [Police: Man charged with shooting Pa. officers had talked of previous killing spree plans - Police1](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPMnRjRXk3TVk3TjRuUzBia3lmTVVxSEFreWl2YnhneUpRd1FpVkx0VlRjZ0xraGRsR2xJbFgyeGdpNXNobWRFNDRsT1FGa2E2LS1KUUpSdXB5a2pvZ1VPNTBHX1JaQ3VNaG9kYVFUZl81aGhQal94UmtQN0FFX2U4dkFqaFJLcjNSVnFSVU92NjE5YkVSalRqdEJIVEVXcFI4V0tlWl9kd2U0MnBmUWJBSUNBZklYTUlhMDZDOGJ3T2FEc3BjN2cxNzhQbm1IX1FxUXZuejROSWhYdzlwYW5IWUZYZ1VYUQ?oc=5) · Police1
- 2023-04-24 [Celeste A. Rohoza - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVnVaOWw0NWdlaFpHbmFfaExJT0taZVR1Vk53V21sY0VVbnNuZl9tM3JJTlNfQzRJd2E1RXhEZllUb1U5dDdoWjNsZGpWOFl0Q3BENGl6cEp4a3ZKLVk5LVNCcjZkZ1NuSVpsWHdYT05nT1FqaVdScGNibnZjdkRacWVIdWtUWThiSmJUc1ZyWjVOZw?oc=5) · legacy.com
- 2025-10-19 [Olivia Babcock's record-breaking performance propels Pitt to 5-set win over rival Louisville - Pittsburgh Post-Gazette](https://news.google.com/rss/articles/CBMiugFBVV95cUxPQkdLQUZ2dFA4VWJiTkIwT2gxbmpSMXJzX2FSbU00VjFXT05EZ2NTRlZQTkpFMjhmYUpkTi03bXVaNWloRmNoU1QxREp5RVhpUFg0SS1lWkJXOU9KNENMem90SFV1aWl2M0RmVFhzSHRxUzFoSjJuNkYwZkxKRUhoTWZDaDFvbnJxdFVOb3NtaDJ4S3VRWkhHd0pSZFhubkFQd0lHalNHc2xwU1pELWZsdDZZQUJmTzVJS2c?oc=5) · Pittsburgh Post-Gazette
- 2016-09-01 [Pa. man was charged with beating wife. He bonded out of jail, then killed her, police say. - The Washington Post](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOVS13NGV6bTNvandHUFdYMEk4NS1YUWJUSzloWmdObGRDaElWaWZlUWl5V0lvU0NXTWp5MC0tSXFXSkstSEk2NEFQNnNoVU53ZV9SOUVCbjlXRHM5TExNeGlqTEMzYVFsYXJMNEExR19TRmRNT05mTTREaVlEWVE4bXI5WWU2RC1SbzJ0UU5oSkVZY0FPRjhudnRCS2ZYX2IwZkhDclR3am1xMGVnXzhRdDIxMGpXaHhkX1FJemg1Nk1IelVPSFFNclpqR1NYLVhoem5ycG4xTWxSRHdfVmhXYU5Hc3JDNEYyRnFobk4wMA?oc=5) · The Washington Post
- 2025-09-07 [‘Dress for your day’: Workplace dress codes shift to guidelines rather than rules - Pittsburgh Post-Gazette](https://news.google.com/rss/articles/CBMitwFBVV95cUxPeE1veHdiNC03Q3FTU0J0MzJtUlB5d0FSSTB1bnpDNzU1UWpFVmo5Z3lIRXBxcUw4Q2RvTU52MkhHOU0wWWdIWHZJbzRkcnE1SFZUeTc5YkZaZTA0bTg0LTVHZmgwaWI4WUNwWGF3YU9fVmVhdFA2blJ2TlItdzVoOTc5MWJvX2NvZmR4SWFhVGwtbkwzRUZpdTJqZFZuSTVZTDZud1J0MFdWaUkxYWprS256cEViTk0?oc=5) · Pittsburgh Post-Gazette
- 2023-04-23 [Paul G. Demmer - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOb0JmdUYycG9yTGtndkFLNC1IaDVPSFlZUkRWSjN4RG9mYjRzZmlqaGozVkhMVkpZOG9DVGNjZUg3QWNSOU9MaXNWUl9qelpYVzBCVFJ3RlBwS3pUaWUyZ2lsanE2QWFYdERoZVVTVUNqM005NElHbDhoR0Z2MDFBX0dydE1MZmpwQW5JYVJB?oc=5) · legacy.com
- 2023-04-22 [COLEMAN E. DONLEY - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMzdDNFoxazJNNWdabTMzVVVoS1hSaHc0ZE1URHNTZTJZZzI1YXVkNjJiVHQwM0w1T3NMcWpaVmVWcW5MSGpVcV85cjRzT3VMb1YtMllvcU9ieGRFYVBRQTFsWGVPbHpVUlVONzJ1S1NCLWZFaXE3a3ZZbWs2SXZWVW56andzNHBCWkYwV2tMNmkydw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=90 (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/26.json (key "90", 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=90
- 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