# EAST HARTFORD
EAST HARTFORD, CT · NCUA charter 13288 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/east-hartford-13288

Who the members are: federal charter, multiple common bond, organized 1959. 1,430 members of 2,000 potential (71.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *too clean*. 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 | $10.5M |
| Members | 1,430 (-5.4% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 10.7% (p36 of band) |
| ROA (annualized) | -0.23% (p21 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | -0.02% (p19 of band) |
| Loans / shares | 69% (p72 of band) |
| Cash / assets | 15.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p50 of band) |
| Operating expense / assets | 3.75% (p61 of band) |
| Vehicles % of loans | 48% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $3,008 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 43% |
| Average loan balance | $11,507 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |

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

- 2026-05-06 [Credit union merger approved by state - Hartford Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNVRQQWE2WjJXRjlHZmIxTTNFZDQweHIzZ2JRZEw5aVdzS3U4cnVvTFFxWDZVaGJzVXQ1b3phN3pEbVMya3pTZ0x2S1dLb1l3RFdOTjlud0JwVjI2QlotSGZXYTBmaGNOSE8tamFKbjRGdHU0RVV4dF9ZV2ZKQ0JGNQ?oc=5) · Hartford Business Journal
- 2026-05-06 [American Eagle Financial Credit Union donates $26,607 to Greater Hartford nonprofits as part of Cash Back to the Community program - CUInsight](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPZ2k5NGc4SlowRUEybXVGLUhLRE16c2YwV21ZSk4tdDFGUTUtYjl4cHNCRHRPSlpSdk9OVXRVS0MtMzRtbDJHaTkxaFhOT3Bna0FyaXlKaEoyX0M4a1U0WXBaRXdJZ0tOcEQzS3VRY1VqMVVZV1diME1DdjFKQjQ0TlhtV1h2UV9JcEhybjFuRXM5Tk1zQUxySERYWEpEQjRkS1E3RHZYRTlQR2hFTDBFRkQ2SmhuZFBFUnktUjJjZml4THRXcUxGci1TZk1HT3hxazIyV3ZwbEV6Nk5iNnE2cGdROU9nN1VlVmc2Xzh0bXBWSk1BQkpCT19RaXJGQQ?oc=5) · CUInsight
- 2026-03-31 [American Eagle Financial Credit Union Hosts 3rd Annual Financial Reality Fair for High School Students Across Greater Hartford - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZnQ5R2dIVFF3Q1VrNEFGWEN3YXdxRWZLdWQweG93eHNTeUhUSEFiY3BmSzFJamR2Zk11cUh2WllBTko0Q1RCeDVzb204a0RSNE5zWTFPMDFUdGtlRUlHV0JTNnNTeGViZDc0dEd2X0ZYVFB1M3B0eDF0SjZTRXlLaUFXVVktMWprUFBwZnVVQm5QODVid2xkNk1SaTRzQlllUG5pNA?oc=5) · Yahoo Finance
- 2026-03-25 [PHOTOS: CT students test real-world budgeting at financial reality fair - Hartford Courant](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcnhmTFE1UjVYOTM0R2RjX05XQktXa1A2QlJUU0VMbmx5UmNLQm4xbFFGWVNUT1FzN243am5Ra2VUaTJDZFBvaDBtTnVpM1IyYVNwMlZQbjcyclN0ZjU4WU1KY1E0d001cm5PLUpKaGRoemQ2cnBFa1lfRWJScjlXZXpsc2RWODVCNnB5V21ZbjJKaTltenhaMEUzUGtiQTFpeXc3NWplTFJCZw?oc=5) · Hartford Courant
- 2026-04-08 [High Schoolers Learn Value Of A Buck At Financial Literacy Fair - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNaG9jeEkycDRLUTVBMDVmTURPbjItbG5wOC15YVJDVnNfeVZZT1VLRGpVSnlqSzlUSzZDdEtERTRVWXNtWUFiSW1NcVVCNTZNOEdOUjRIUWhaSkVJTUJ3N3ZVczBTN0ZqY1lHMTFuZHpxMDdZVDE4TWdsY3E1QXZhR3U5WXZZVzcyVEhXWmpqREFlQkdMa1ZfUWln?oc=5) · Patch
- 2024-02-22 [East Hartford-based American Eagle Credit Union seeks merger with smaller Hartford credit union - ctinsider.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZkRuVW5kTE9KNUtiLVRYT29ON0lKQVpKUWxrYnlPUU5lamhad1czQnpaT2o4S0szek5LMDFuNHhoQWxZNGYwY0VUN3ltSDRpOUx6TjVMbWdpNUU5ZVBPZzRDaDV4ckdCWWdDakRMaEYySWVIai1ONWdaMFU4LUJEZnNxNUN5ZU9ON2NMdGsyWm5iTFhoTWFhcHdQLWlReUR2b1A4?oc=5) · ctinsider.com
- 2026-01-26 [American Eagle Financial Credit Union Launches Reimagined Member Website: www.AmericanEagle.org - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOMVlEaEYzWjNTNXZGTGcwVW9SczRlNnJ5VmczS2JvZ2tyaDhOWjhwd0U2YmpJV1p6NTJHTS1rTU9UT1VUNnNoRmE5Vkp2Wm9pUU9GZTR1WWVoX1Rad250ckR1Q0FSNTl0WE5UeG9GNGJWMlAyR1J6RlV5ZFNHTEZ1Ql9CVzVZaWc1b3NvYXM5dVhndGR0Z3J4R29ZeVJ6cGdTWnlqQmdpekVmVnhsb3YtQXdwSFMteWVSSzk5dkRlUmtjTVpGVEFBU3ZtYWlMX2dPVkJ5S29OLW9UVmJfcXgwd19B?oc=5) · PR Newswire
- 2023-11-09 [Expanding East Hartford credit union seeks another merger - Hartford Business Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdzRLRDVseUp5UTNqa3Ruakw3aldWZ2haRnpidTI2RTlJSmFGQ2t1MVpjUFloRVZFNmdKZEJkb3dLTUMxTF9MTkFhYk5YbXRLN1o0ZFZNRWpUOGItQVZCbHlEUXVKVERQRGxfdVJDOUlSWFBDZnlOeGJLTFFZcFUtemNJaldhS3NiNHBGa0NVdDJHR09QcWpScTRWdw?oc=5) · Hartford Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13288 (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/40.json (key "13288", 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=13288
- 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