# APCI
Lehigh Valley, PA · NCUA charter 9607 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/apci-9607

Who the members are: federal charter, multiple common bond, organized 1954. 17,438 members of 22,000 potential (79.3% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $689.3M |
| Members | 17,438 (-0.4% YoY) |
| Full-time staff | 54 |
| Net worth | $60.9M |
| Net worth ratio | 8.8% (p18 of band) |
| ROA (annualized) | 0.50% (p42 of band) |
| Total delinquency | 0.06% (p1 of band) |
| Net charge-offs (annualized) | 0.02% (p2 of band) |
| Loans / shares | 46% (p5 of band) |
| Cash / assets | 14.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.93% (p1 of band) |
| Operating expense / assets | 1.75% (p3 of band) |
| Vehicles % of loans | 15% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p13 of band) |
| Vehicle delinquency | 0.06% (p2 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 81% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 37% |
| Average share balance | $13,400 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $354 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $27,808 |
| Loans granted, annualized | $82.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $354 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## 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 | 2 | net worth falling, members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 | delinquency rising | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | thin capital |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 1 | thin capital |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | thin capital, net worth falling, losing money | assets shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | margin squeeze |  |
| 2023-12 | 4 | delinquency rising | margin squeeze |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | losing money |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2024-06-03 [F. Lessel Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiYkFVX3lxTE42M0lmbkMzTVZkTzg5SzRoblljTFloMjdRSzg4Nk8xMGFqNE5QR0VocDBXS20wUzdSRThqa3hIRVdrNHlmQTNKYkg2cVFGYTNWOGEzc2RuM0x0eUx1Rm51QlRB?oc=5) · The Morning Call
- 2024-05-26 [Joseph Wehr Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBDc3U2bWh1Zm0xQndrZm9jdWhsaEJlRXRlUjU3Zi1PNU1xM3VXSDBjbWctd2lpTzJ2TTU4Yi1pWFVkVmVHWlVvczBtSG1jR2NBOVQ4Rl9OUS1YYnI3?oc=5) · The Morning Call
- 2016-12-28 [Property transfers in Luzerne County: Know anyone who is buying or selling? - Times Leader](https://news.google.com/rss/articles/CBMickFVX3lxTE1OUTMtNGFwOE5aVHVqYXN4dDJMRFNfeHVZNGtTelNZVW1ZQWlzay1DT1NJZW9xd05QbDZIZWxpbHpzcmthQ2lCR25xNExDZVJRRWRROVVVUV9KTi1KenN4MTBHakFqeEZtRmh4Yy10Uk83dw?oc=5) · Times Leader
- 2024-05-01 [Kathryn O'Brian Obituary (2024) - Jim Thorpe, PA - Times News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNRkNfYWJqY3lRdmlBc0NQcG44QkQtQkF5UGdwZlBEdmJBaUZtQ3I3bnpvRTR2ajBUM2ozX0VUdXNTN0pwcEExMVg2a3ExdkRTaGlaekNLWXIyMFZaSFVpZ3A0Nkc4RENrSlJsVjlEOHc0aHBGRXp6UUUwU1dIekhKUUZoRHo4cER2aFUyQmFYRGY?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9607 (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/7.json (key "9607", 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=9607
- 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