# HARTFORD
Hartford, CT · NCUA charter 14388 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hartford-14388

Who the members are: federal charter, community charter, organized 1961, low-income designated. 16,205 members of 1,374,000 potential (1.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $156.4M |
| Members | 16,205 (-1.3% YoY) |
| Full-time staff | 36 |
| Net worth | $20.4M |
| Net worth ratio | 13.0% (p67 of band) |
| ROA (annualized) | 0.71% (p51 of band) |
| Total delinquency | 1.36% (p84 of band) |
| Net charge-offs (annualized) | 0.09% (p20 of band) |
| Loans / shares | 53% (p20 of band) |
| Cash / assets | 17.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p44 of band) |
| Operating expense / assets | 4.61% (p80 of band) |
| Vehicles % of loans | 18% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.83% (p64 of band) |
| Vehicle NCO | 0.16% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 8% |
| Average share balance | $4,476 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $16,001 |
| Loans granted, annualized | $15.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

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

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

- 2026-06-04 [Nutmeg State Financial Credit Union seeks return to federal charter to push growth beyond CT - Hartford Business Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOZXJLVnd6VVhZeUlkYjhzRExEeGZsS0NPdWxoQnM4a2FQakRmaFFNWVNpS25McDNHdnp5VjJIVEt5QWRIcVNmQlc4ZHZvWlVoZlZQelAwMnRIVkdaU3kzWTI1QWd5b0JlUjZZN3lhb1hWSkloc3czWE5tQlo1bi1KemxLNzhtcVN5Z3l6b1ZlcGNSbV9oTEgwLU1iSVdGaWhwTmJBRnBlcDBnendDbGtxMGxuaGRyZEYwcWlHR3NBVThHclJnalFHR015ajFyWndEMnJKdHNweGRFQ3VveFQ4N0pMWQ?oc=5) · Hartford Business Journal
- 2026-06-09 [CT credit union seeks broader reach through charter conversion, name change - Hartford Business Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxQOEtXTC1fel83bG9FZmhaN2hVYjB1emMzQzlnME1jNUhWaXU0MUFnT284bU16WVpyNDdxejBocS1rVk9VR0s2V1pRSnZsS28tZ3E4Mm9hVkJCUE8xakRvWE1SU0JvYW5wVVBHYko3UGNxODFFYXdsdWpFbEprX3BPUDh4TDQ1b3NiN0UtUEpxOFBNWnhwZkdoUUhsdkh6UElLQUFiT0piLUY0Wm9XakhGOTFR?oc=5) · Hartford Business Journal
- 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
- 2026-03-23 [2026 Women in Business: Beth Mazza - Hartford Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE5kbWNzWElxX2hyekgzbzJpanVTSFZ5eFJjYVRhYnI1djQ5aG5BMm9rWTJzNE80bV9OMi0wN2hHSVdWMGFzTUFaUWRxanY2c1B3Y2lheW1lYmllN2tIUGVRNExRTmtXWlFzV0U2ZW9vVHBXMXZjOFhMYjZ2MA?oc=5) · Hartford Business Journal
- 2022-06-29 [2 arrested after Hartford credit union robbery - WTNH.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPbVJDMS11U1NBa0cyZmZBNVRBcTU2VDFVNVdnWnI1bzVMTmpJclRxQV9LQ05Ec3lTU0hPYnlqMmpIUzZSd0VZSGU5cWVhRXM4Mng2ODdZdXU4U044WExSWUZaYlVwcE9lVG5TSTMxTEh6QkFUN1ZidldGd1lKSVNfX0ktS25qdTBiWGUxN0taOWU2dWhWODh5MXhJZ3dkeXZw0gGmAUFVX3lxTE53elhibzBUbGVOa21QTUZwVFFQVGZENEFEY0QtNHZRT3hjLTBzaUFiMk1UQkhIaThsc3JaQVJaUWwzYmNrQXZGc0d5eFZtbG8wSEJ0VzV5ZW1pUXdkdFc2SUxyRk1wd05MQnAyRm9NSFhqV0ZTVzJ0RlFIdTNKUldvOVRlVF9JbDU3VmxrQWp3NmNSSWk5V0t2c0xIbTBoRGhZQmlQMHc?oc=5) · WTNH.com
- 2026-03-31 [American Eagle Financial Credit Union hosts 3rd annual Financial Reality Fair for high school students across Greater Hartford - CUInsight](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQUXgtV3JTVjZvZS1LVEQ0X1RvZ0Q3RTNZU1JWQ0RxaVJiWmVDSzduWUkyMzhCRmYxUF9VVFZSa2QtZjUtbktTREM1N1M0S3pGZ2tydGVjbEcwa2dnQVJNVjQ1UU5SdVBUdXRoUksxZmdvM3VBSUpsczdVWWp0VnBMWHpkUUQ0STBGNlhrRmtvVWtOWkxKaW45RDlucWw1ZlBnVjdWNW0tTG5GS1BYbm81S3Y3QUxNZk5LSkd2S3N3cWFiN29ncTZuMWEyd1NjaThpQmVWN3J3aDNpd2xNY0puRW9jT2E5cHpuRnEtVWxqMnFJeEluTV9zMjJCTQ?oc=5) · CUInsight
- 2022-06-29 [Suspects arrested, money recovered after robbery at credit union: Hartford police - fox61.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNMy1oaWZ4bmJ2bzlpel9rY0t4cURUNnZUNjBmcE5jaE9NclpNemxMSW5tQTIzSjU3SkNRRzFtd2NPS3FSME9janZsdWF4cU52SkRlMTdLT3BTUEx6Q203Wno3LVlGcVluMURNUHFhNUl1bTVacnhjZF9tV2pZRF9peXNCRHlSdHhuaFFQMFM5SmQzVjU4TUc2SDFZallGMmlseGI0ZVVXZW1XSFQxOEkxZ1Zad01MZk9tWmpMWmZwb01wZFVLNC01Ty1IVGZkcUFt?oc=5) · fox61.com
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14388 (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/52.json (key "14388", 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=14388
- 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