# WEST SPRINGFIELD
West Springfiel, MA · NCUA charter 13781 · 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/west-springfield-13781

Who the members are: federal charter, community charter, organized 1960. 2,800 members of 27,000 potential (10.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. 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 | $28.6M |
| Members | 2,800 (-3.1% YoY) |
| Full-time staff | 5 |
| Net worth | $2.3M |
| Net worth ratio | 8.0% (p7 of band) |
| ROA (annualized) | 0.03% (p21 of band) |
| Total delinquency | 1.34% (p63 of band) |
| Net charge-offs (annualized) | 0.31% (p54 of band) |
| Loans / shares | 40% (p20 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.51% (p19 of band) |
| Operating expense / assets | 2.73% (p29 of band) |
| Vehicles % of loans | 24% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.09% (p30 of band) |
| Vehicle NCO | 0.36% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 10% |
| Average share balance | $5,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $12,151 |
| Loans granted, annualized | $3.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-01-20 [2 suspects arrested after armed robbery at West Springfield credit union - Western Mass News](https://news.google.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?oc=5) · Western Mass News
- 2026-01-20 [Two suspects arrested for armed robbery at Holyoke Credit Union in West Springfield - WWLP](https://news.google.com/rss/articles/CBMilAFBVV95cUxNM3djWUxoQnVVdTRfZDR4RlJHcFZ3S0pIc2Q4dlYxeWg2eERzUWdPT1lvN2lmWE1PQmVZTWN0SkdhYmhLWl9zdFJZOVdScDU2MVdaT3RGRl9yU1AtOVB1NzhPR0dJXy1sTlphQVZWTXZ0UXZoZl9BaXdRWlFMY1A0NXJBcXNsdk9mZ2t3ekowOHkyWVFu0gGaAUFVX3lxTE1UOC1LOGJESjVmRGZVYjhhTzJuMW84aXdYcVNIZUoxSlBJU0xFbU84Q01ZcjY4ZWtxeERkTy1sTWt6eUp2cGlPR2RpTmdZN2VSZ1RWRktpWmRmY0dCTnRkNy1RU3hnakV2TzFTRFl4Rm1GTzRwWUxvVjhtaFM2WG1rWGQtUEtxVFRkVGJpdmVGb3VWbFlrNEFIQXc?oc=5) · WWLP
- 2026-01-21 [Police arrest two following armed bank robbery in West Springfield - boston25news.com](https://news.google.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?oc=5) · boston25news.com
- 2026-01-20 [Robbery at Holyoke Credit Union in West Springfield Tuesday - MassLive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSWtfVGU0SjJiYTdCcm4wdTV5cG5YU3VOaGxLX25yOTNRcUpITmNtc0drVEhSZFBHYlo4ZGxTOTI2ZWhYYllBV1NzQzhGek1HTGdsS1hCb2dxdlJRbU4wd3RlZjNXeHN3MEF3RDU4OG5ETWJlbUhFZVBiZzdweUR2aDhHUlVpVnh0RUFlNE9kLUhPcms0Tl9ITUhvbmV0bzE3a0oxVVlETUkwbzg?oc=5) · MassLive
- 2026-01-21 [Two suspects arrested for armed robbery at Holyoke Credit Union in West Springfield - WWLP](https://news.google.com/rss/articles/CBMivAFBVV95cUxNekJ6OFBEaHc0VHNGWVVWWTFSZ1pYXzA1UlpCX19yNExfY3c0aERFRFdYcDFnU09VUURUY1RFTm1lRm9jV3g5dld5RkNGTDUxSjhiN0dzcVAxQzVjUGFIUjYxQkJvdHpWelVBQzRUR3FrREhabVRuRDVmRUVJLUZsbUprVElHcVdyMFc3WE1SZUY2eUVvTGNnSU5jVG9nRU9IZ0w5LTVXdmQ4Nm5GLWZWelF2S1JSb2lRb1k4Ng?oc=5) · WWLP
- 2026-04-30 [Susan Linda LaFlamme Obituary (1948 - 2026) - West Springfield, MA - WFSB - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNUt4SVdGcDlUSTdPSVZnSmNaVmlNdXJRSnRYTm1rcmJUUlM0NnlNeFJZOEZSVmd5Z3ZpTUNsamphaFdURDYwM2JGWkZTZnlWN3ROUi1KVjFjV2VYLU9lWUItN2QxaXllbFBueWpORHhROVhOMFJCY2dOMml4TVhWWHpXNnRxTTVuUGc?oc=5) · legacy.com
- 2026-03-24 [Freedom Credit Union to host Spring Shred Days - Western Mass News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWEMxaEM1UHJsaHpJRW44VzVYOEI1TE8zZ2pZOVlMOGJORWRpaFc0N2tDQ3VoU2QxWjhIaGtleVJ3VzNoWV92YzlVWWZObVdLNklXYWY2cFVqaENoY0xqU21yTV9RWUlnNnJTSmUxRGp3VjVVb0Q1Z0ZUSTUxTkcxOERIU0RiT2psUGVLNFdVRXnSAaQBQVVfeXFMT1BSVkJJVmtsdjVSWEdMMGhjZ0Z2cThTcG5BdFVHN0dWX2EzVnZReXh6cU1nNGFhUXFteGhveTNkbEF2T3Y2Skg0WDB4VVhDZTRmbnc2dGhvZklSeFdQdVNibEF6NGlCWlZXSG1lLWhyN0FSdkxtbFM0SXpJT1RCSlJnaUtFUjhtc0F1bEJGTW95NEZBazdmak0zSGlFay1hMTFJTDY?oc=5) · Western Mass News
- 2026-01-13 [June Heelon Obituary (1933 - 2026) - West Springfield, MA - MassLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbnFycl9zQVdPWE1pUGE2XzhFcmVlaDN1cXJLcXBjWjhMV3VxcGtaMy1WVVl4NUFVNjZBN1ZOWWxxbVdCUGFLWEFYcnNVN1dIX1NQR1RsSEdEN0t2ckcxeFlrNGZlQUxydzhIblFkelNmVENVSHg5cV82aXZTdDk2TFZ5WHlQSXFuMk9TVlh6YU4?oc=5) · MassLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13781 (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/21.json (key "13781", 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=13781
- 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