# LEHIGH VALLEY
ALLENTOWN, PA · NCUA charter 9083 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/lehigh-valley-9083

Who the members are: federal charter, community charter, organized 1953. 2,261 members of 15,000 potential (15.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $15.7M |
| Members | 2,261 (– YoY) |
| Full-time staff | 4 |
| Net worth | $665,856 |
| Net worth ratio | 4.3% (p0 of band) |
| ROA (annualized) | -1.51% (p5 of band) |
| Total delinquency | 0.67% (p43 of band) |
| Net charge-offs (annualized) | 0.24% (p52 of band) |
| Loans / shares | 71% (p72 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p48 of band) |
| Operating expense / assets | 5.40% (p89 of band) |
| Vehicles % of loans | 45% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 283% (p99 of band) |
| Vehicle delinquency | 1.17% (p67 of band) |
| Vehicle NCO | 0.20% (p62 of band) |
| Repossessed % of vehicle book | 0.13% (p91 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 10% |
| Average share balance | $3,808 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $8,770 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |

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

- 2026-07-09 [Philadelphia-based credit union expanding, first location in Lehigh Valley - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVG1CZlZFOEhUY2xSM0hPZ1pETWY2U24wY216U2ROcGEyWFZFSFNGOGl1VmZfRlkzLVhUODR2Z3dpZG1OZk9YVlFVd29hTDk4azRuT2MxU0JrR3RSRjlHZXM3YTk4TVp5VG1McVAxM3EzQXVKUUd6T3NOYjM3OEtUbE9WQklnYXBrVS1sSURhMTE4MHdGOE1JSUVrYWo1QzladFVaV0M0S2NLX1JEdzVZOEwwX2ZXVDM2MHhsT3hQbGpGczBjdG5B?oc=5) · Lehighvalleylive.com
- 2026-08-08 [First Commonwealth Federal Credit Union sets opening date for new Allentown financial center - WFMZ.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxQR1RkbEZfUTQ2SUs3dVBUNmF6VUYzTE96LXkwdGF6RVdWajcxWTJZc2JWWHVHNkh3T0xDSFBsTnVSMjFEekQxUTRPTFBzZEdWdXBiM2pCZ1g3OXk1UmNyeUlzMnNWUW9BUk1BWFlCVTRqcEplUHRBQ1VZZWhCajFyLUNoLTRtNmlESm43MWtZUThfbThaR0FQRnRKX3dRekNyeFZ6RFNTUmFZeUpxV0ZvUlFjY0N6LUs3Z0dEUUQtUEpKanlkZVRzLUVsc0JCaG5VQWtsUzZEcTE1YjhmRGRuc3g4eE56ZWQ3cTB1UWRnTjBVNmdJWlJtd1pQTHBVRzVSV2ZjNUtuQVVhcEtUOWxJU2VBODM?oc=5) · WFMZ.com
- 2026-03-31 [Empire Fiber Internet Expands into Pennsylvania’s Lehigh Valley - thevalleyledger.com](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5VTlUxMm9aWWpWbkxGYjMtSHh6T1hWa3JiZXpQdUV2TFpPYzhIdVB0Z2FBZ3YzSlotTUZoVG1uczN6WlltQjZGMThzN2VTUQ?oc=5) · thevalleyledger.com
- 2026-01-30 [Credit union to open new Lehigh Valley branch in ongoing expansion effort - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxNc0REcDc2VXlocUFobU1RdDZYTTNqSDBNWVBZSm96QUg5OEtuckhCcExfR1l4bzFRVkNGWVlObFFaQVh4U29XX1lPRW9XNW5wUnIyZUh1R0Z6QWQzQ3VVWFhESlVFN1I2UW1tSlpMeWs5Qy1qVS1IYWRRQ1BMUm5EbTdySjNjblFfR2U3bWdfYXNzX3dYcjdGRkJMNWFrWWU2Rm95bGlseHppT0doU2NpT3BVUE03aHYtYUwtSHBwMUNwRVJVeEZJ?oc=5) · Lehighvalleylive.com
- 2022-05-19 [People First Federal Credit Union Opens Solutions Center in Allentown - Lehigh Valley Economic Development](https://news.google.com/rss/articles/CBMixAFBVV95cUxPRHB3cW9mMXdLZXhLS3JMMnZoZmwxd1dMY3NpU1ZnaXZYMzA3MGkxX2syTUE1Q3RyQ2l1ajAycnhIdi1UN05BbXhwcDQ1OUpoMXdMd2EtVHNRN01URFk0cWI1aUxNeTNSRWJZdFBBMHF3SW42MWVMVXpsSzRoU2tTS2NITWYxNzBzMVJRcG42MUloXzZ2dFhNTzZ2RWtNazBpWk5mbUtzbWVNVnlESDMwdTZ0ZG5zNWNwcXlsQmV6VktQN3pS?oc=5) · Lehigh Valley Economic Development
- 2022-05-19 [People First Federal Credit Union opens eighth Lehigh Valley branch in downtown Allentown - The Morning Call](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaUVUWlI1UExHUlhCUlV2bU9TYmU5MHoxNGRmUXhlOW1TX3NicG1aQVFGTXpPQmZFLVZBY1l3REh3cXU0ZVBsRmtwTG9Ya3NsT2lvc2dsZ1FjZkFNRk9QTS04aFlwVXRnckhmNTdLa254TUFxakJURS1SdWEtd3pCRWdHbFMwTTZFUlJIczNscGNGcGh1VkU4SDVnNTdDZklTeC1YMDJxM1lzekdiS2lsZmM2Tm9JN04walgxb3Rhcks?oc=5) · The Morning Call
- 2024-12-10 [United Federal Credit Union names Jessica Rodriquez as District Manager in Pennsylvania - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxPRHpyWmFYX1BCV1l2a1NNOV92RVZ5TUQ3Rk1MNnNXN3Y1eUVRSThwOERyU3NpV09JR19iSjQyYWNqaWF3NTZac25sdE02Y3pvbmJpMU0xSTJHdV80LUVVTTNXTWljNW9IRGZPeF9KczdOU3FLclRIMV9QQ1B2TXBZQzJ2UGF2b2tPWEE5QVNZaW5iMTc2RHJ5MzVsYUpCTC1FbDREeXh3VVRNTTNoZEd0UmpPd2Q3N3JpeDBha0tfWlRUN3ZVNzJ3?oc=5) · CUInsight
- 2021-04-05 [President/CEO Of First Commonwealth Federal Credit Union Named To The Lehigh Valley’s ‘Power 100’ List - pottsmerc.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOVFRfNkdCbksxeEpEdE9iUE1iVzhGWXpNY09Ba09DM1ZxTDhnTzdIS1FON1VSRDFJcmdacU1fa21nRjF4SUhDNnBDdGdiMDNENXUxOWVQSXV0RUJVRktCQ2RCREhlbE4zYWEweXA5SXA0OE1rYm13UkxqazVkT2trQWV2MGM0WVFkTVpsYnVoWThtOTRQT1I0RTZoZm5oT2JIdk5WMkRpbGQ4N19ZM3hHMGFVcjNGaTFNXzNmY2hxR29JbVM0VlZ5bUxJZ3M0ZjNONWpaag?oc=5) · pottsmerc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9083 (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/59.json (key "9083", 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=9083
- 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