# CLEARVIEW
Moon Township, PA · NCUA charter 9007 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clearview-9007

Who the members are: federal charter, community charter, organized 1953. 140,987 members of 2,562,399 potential (5.5% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 60.

**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 | $2.17B |
| Members | 140,987 (10.1% YoY) |
| Full-time staff | 416 |
| Net worth | $238.8M |
| Net worth ratio | 11.0% (p58 of band) |
| ROA (annualized) | 0.68% (p48 of band) |
| Total delinquency | 0.64% (p52 of band) |
| Net charge-offs (annualized) | 0.55% (p56 of band) |
| Loans / shares | 80% (p31 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p87 of band) |
| Operating expense / assets | 4.14% (p90 of band) |
| Vehicles % of loans | 36% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 176% (p62 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 0.59% (p24 of band) |
| Repossessed % of vehicle book | 0.38% (p94 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 17% |
| Average share balance | $7,082 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $76.9M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $18,118 |
| Loans granted, annualized | $617.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $76.9M outstanding purchased (32.2% of net worth), $4.7M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 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 | 2 | net worth falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | losing money, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling, losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | thin capital |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | leaning on borrowings | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | leaning on borrowings |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-05-04 [Moon Township restaurateur credits Clearview Federal Credit Union partnership for southwestern Pennsylvania expansion - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOM2xnc0FZbW9NMFdKUU43Vm5zSEU4Y0FfQl92QzhwajVZdml3YUtSeURvSWdHMmU0dWtvdGt1eEhfZ0sxdjAyc1Y3N2FTSG1CQTU2OG40MXJfaXlxMEVEdklfbVNuNWpwSE5CMXNXT2pLa3ZLaGdqMURzeW9xR0xSQU9maXd1VkVUNUFvYklnTXU0NlJBRmNsRTdpNkxnY09ZTm51VG9mbmo0blE0cUE?oc=5) · The Business Journals
- 2026-04-13 [He didn’t know what was hurting his credit score. A free counseling session changed that. - Pittsburgh's Public Source](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWTRRdGxQd3A3MEdTaG80RVR3R2FENWljOFg3Q0tCVm5hMU1UelRsbHQ1eWZwWWhlek4zSUplVXhCRWZ3VDJnMVNmMkhpd0syX29qNUNUMVNncG9RZ05rZUp0Zml0LS1FR25OV1VQaU9sWms3NnJRcU0zQmhoLXhrTll0R0hGazk1S0ljM216clU?oc=5) · Pittsburgh's Public Source
- 2023-07-20 [Police: Thieves try to rip ATM out of Clearview Federal Credit Union in Kennedy Township - CBS News](https://news.google.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?oc=5) · CBS News
- 2021-03-11 [Clearview Federal Credit Union announces new Vice President of Lending - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxNa2xKWktPYS1nZGJtcklwN1d6aU1UaDV2UjBnRFBmSU5EZXNpazVhQlpHUlUzVEhxVGViZ2tvTW55aDJjNzBFTlAyc3RkZnNzdU00SGZZUXdJS3pzSzVyV0hUX3NRSEpNX3BVbmlQcmVyZVFUY2tSN0NiVkxlOHFidV80X2NnUDM3NnNiMGVkSjJUWVFrd2xqcEhhbHJhSVZFUFVkX0NpNnRGdUM0dm5rTQ?oc=5) · CUInsight
- 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
- 2021-12-13 [11 Cares sponsor Clearview Federal Credit Union holds annual season of giving - WPXI](https://news.google.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?oc=5) · WPXI
- 2026-06-16 [Clearview Federal Credit Union plans new financial center, its 28th site - Pittsburgh Business Times - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWWNRQ2NNR1I5aG0xQ2x4ZFNYYmZpalZ2SUpWazZDb01RTnFoOV9JQlBDSFdvam02alhvVkRqQUk4bkNXX0NKZWlvNTY4SGlfQU5CSTRxeHl1VEp3NHY5cl8tUXkwaDd3WTMtUnRDVlUxSXEyRF8xSmZuRkhOZzdaWjVoLWJzTkFIeWtRcDVfMA?oc=5) · The Business Journals
- 2020-01-29 [Obituary for Paul S. Niehenke - Copeland Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE15bTRMMUoxZGtZZU1lTHV0QkJ0OGpiaG5vakRiVWpUY05yUUZPZnZNTTY0Z28yT2pldy1Ncl9NTmM2VFA1S3pobXFDQnlMQmJHSGJxYnBfUUNyZlFMQ0tueTUyVTRLbHdpNkhF?oc=5) · Copeland Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9007 (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/47.json (key "9007", 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=9007
- 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