# CHESHIRE COUNTY
KEENE, NH · NCUA charter 13073 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cheshire-county-13073

Who the members are: federal charter, multiple common bond, organized 1959. 3,311 members of 55,000 potential (6.0% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. 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 | $19.3M |
| Members | 3,311 (1.5% YoY) |
| Full-time staff | 3 |
| Net worth | $1.9M |
| Net worth ratio | 9.8% (p23 of band) |
| ROA (annualized) | 1.16% (p90 of band) |
| Total delinquency | 0.51% (p39 of band) |
| Net charge-offs (annualized) | 0.26% (p50 of band) |
| Loans / shares | 52% (p36 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p46 of band) |
| Operating expense / assets | 3.54% (p52 of band) |
| Vehicles % of loans | 58% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.51% (p47 of band) |
| Vehicle NCO | 0.16% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 4% |
| Average share balance | $3,093 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $8,330 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency 2x band, delinquency rising | repo signal |
| 2017-06 | 3 | net worth falling, losing money, members leaving | delinquency 2x band, delinquency rising |
| 2017-09 | 5 | thin capital, repo signal |  |
| 2017-12 | 3 | delinquency 2x band | net worth falling, members leaving, thin capital |
| 2018-03 | 2 | thin capital | losing money, repo signal |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 0 |  | delinquency 2x band, thin capital, net worth falling |
| 2018-12 | 0 |  |  |

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

- 2019-03-05 [New Hampshire credit union to merge with Gardner's GFA - Worcester Telegram](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVHFRdnZZOVJSaHYwdFV1WnRVYlVEOWw3RGZqRHFaR2tLY3ROemY3UVVjWDJIc3N5QU9hZjN0RzhDb1lUVS1BdUdCMUhpOGNzZjQ2VjlrM3RTMVZKa2VGOHJwaEQ4UEoyd195N1ZJcy01Q29SZkgyMnRFQUhoSnIxS2Jwc0ZCbENsU0dlcmFVN3BSTUxnRmg4UzdMR1NvMVdtd1QyYkFKcjJtWURHNjZjTE1IbkhQdklvYzB4YmdESk0yOW8?oc=5) · Worcester Telegram
- 2021-05-26 [GFA promotes Rebecca Caranci to new leadership post - thegardnernews.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOVG1fbkRCRTFFTzVpRWJGLVVxMlVQRDBoTUFqalJYZGtTYkhfbzhiWGU5Y3NPa09QMHBxdHVfRUlkdFloVjh6ZDA0eV9LNGtZTjNmN1ZyZ2hpR3dza1lHRlFLR29vaFd5bVlOMlZOcURVTXE3TjVzNEpQRFREVU9DY1F3OFFWNUV5Y3ZJNjNMRVl6U2R1OEhPMzhfN2FuVVQyUmlmWjctSGdOSXhqclRMbWtKOUU?oc=5) · thegardnernews.com
- 2023-04-11 [The Buzz Online - Business NH Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE9maHJyYTFwY2FISVlfNlVraDZqMW04czZJVDFIQTJUaWJQXzN0VUZ6ZXRqckVXRmpfSGlNMG5QLXJ3WUhwNEZrT0hHT2JyMTk0ZTIySGpuOGJrd243SmZaTV94MmhDUDZTejZRQXA3SGNjMno0?oc=5) · Business NH Magazine
- 2026-06-18 [Tornado Watch Issued for Cheshire County - mykeenenow.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNem9KRTRBV21XdHJfZUFhd00tbm91cUV1MDhCcEcySEdSa3JidHNpejE0VmtIWlZGMmNySC1KTkpXZ1VlYlJZLWFYQnRZSzlQb0Nrc2hUcDUwc05vLUlyMEdiMzBOaUQ3WER3RGhzMHlzV3ppcHU1UE5TS2N5ci00X1Zn?oc=5) · mykeenenow.com
- 2021-03-18 [FBI Raids New Hampshire Bitcoin Operations, Charges Radio Host - Decrypt](https://news.google.com/rss/articles/CBMijwFBVV95cUxPb0NlYWFZZXpITDZnaDNYMkE5bEEwWU9udkRCbTA2MG9yMHEzcW5KdzhoQnBNS1FTci0yTGQxTDgxOXNPektqUmNFeElVVkNvUG91UkpSeF9pWVNzRldUUVZoRFUzN2lBMGhQQUxGYnBaV0lkaUJEZXZLQzJmZ1Zac2ZkbU5ybHliQ3pnTG5LUdIBlwFBVV95cUxPQzVxcjl4S2ZmRFhDS2ZHNVBVRHNXMm9uYVcyYk9fMnRNN0NHUjlyaGNxTjZZNk1LbTBBS3lCSUtqMlhUOUxYT3R2WUNJaWRZWDBxUXZ0ckI3VURiRVk1ckVPZDZXTTYxMHQ1UHhzblk3VXhEQkRXUmluNHlaUDVMZW9zN3RtRHVUbnV1UUpkdXRhMGpwQWpF?oc=5) · Decrypt
- 2018-05-26 [Benjamin Tatro Obituary - Keene, NH - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE13UXY5ZFIwWTFWWGVxemlWcmdwaFBORC1sQ1kzZklydDFoVWhSX3hBWXUtUk8zcWJ1OEQyQWZnZ3E1cnZVbXF2UHhMWHRzcjAweGR4TG9sUFZtWTJqbzVITmhHbU9lOU9tTW1XaDNuVDFiNUtNbXk0c3NYVVJZREk?oc=5) · Dignity Memorial
- 2022-09-13 [2022 New Hampshire State House - Cheshire District 10 Republican Primary Results - MetroWest Daily News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWEhlNTlBRVM4WWl5RVdnOVJBNlZndWQxTDhEbnpVVXFSendya2JWcGFvSHA3M3VmRWV1Y29ndUx0ZW4wanVnUFh1M0NwSjRxQ0lCYk5OelRiMVhQNzRNU1dqWFV3ZEZTSnBwejZDWkdwY2JBNmw3c0dfVU84d2lJeEVZem93ZkJTaVFRU0dkandrWkVyX3dJ?oc=5) · MetroWest Daily News
- 2026-06-22 [Lawsuit Seeks To Rescind $1.625 Million Sale of Keene Property - mykeenenow.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNcXp0ZVF3MDJYQkhqNHdCY2hpNmhxZmcxRG1XMy1EZ0RfdlRBV2Q5a3BaOUJJWkJzSm9kTXU0LW82VFIyYzVPZVdicy1oR2JTZ1o5Q1N5TEVVTEdBLXJUbF9oYVpOYUE4aU9xUWlzbEY1ZVVQdkotQnBnYTBtclJBc0d5R2NYX3RiTDFCNExmaV94eWdVWGFpc18wb2lsUQ?oc=5) · mykeenenow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13073 (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/17.json (key "13073", 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=13073
- 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