# WALLINGFORD MUNICIPAL
Wallingford, CT · NCUA charter 14682 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wallingford-municipal-14682

Who the members are: federal charter, multiple common bond, organized 1961. 2,076 members of 4,000 potential (51.9% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. 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 | $14.4M |
| Members | 2,076 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 7.9% (p9 of band) |
| ROA (annualized) | 0.11% (p39 of band) |
| Total delinquency | 1.40% (p61 of band) |
| Net charge-offs (annualized) | 0.02% (p24 of band) |
| Loans / shares | 35% (p17 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.34% (p24 of band) |
| Operating expense / assets | 2.67% (p30 of band) |
| Vehicles % of loans | 61% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.46% (p44 of band) |
| Vehicle NCO | 0.07% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 34% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $3,278 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $5,526 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 2 |  | capital below 7% |
| 2016-12 | 2 |  |  |

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

- 2016-07-08 [Fairfield County credit union merging with Wallingford counterpart - Stamford Advocate](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYUhOUUdJdlBZczVtV2JXZXp0OFFUU2gzODAwbFQ5eGZjdjZxZFpXeGl4VktHNUFkLTNSMnpRdTVDSVJweHJsSTlaLWdGMDNkclFQNG8weEt5UjlBTDVTclE1Q1ozRmdvYnZBcDROVmx4VEZrZEkxZ1NSOTdmRU9SRzVzSk8wd3BZUWFUZTMwb0Q0c0dNWllpOVlGeUlGN2VWN1RxdTg3dw?oc=5) · Stamford Advocate
- 2015-12-02 [Wallingford Police Seek Man Suspected in Credit Union Robbery - nbcconnecticut.com](https://news.google.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?oc=5) · nbcconnecticut.com
- 2021-10-20 [Obituary information for Deborah Bradley Fitzsimmons - Wallingford Funeral Home](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVjdfdTlQc2JZMHFaYzF0OW53NEVFUDNIMjhmRGxxRmdidldjVGM1YXZVNkc0Ym9iRmxFUHZ0OXQ4cmtPNkw5UlNRczVCbXBlVjI2UUNXeHNXZ3JkT1hMM25EcV9ITkxnT3FsQzVNdkp1YXd5Tzk0Z3dob0NoUUsxU2cwSlpwZGNjbXc?oc=5) · Wallingford Funeral Home
- 2015-12-02 [Wallingford police seek bank robbery suspect - New Haven Register](https://news.google.com/rss/articles/CBMipwFBVV95cUxNX1BqdnduQm5NandHMWZvQ1VaU2hIM2ZzNHZhVXBjZlRpV1NFc29CdjVncTc3d2ZYMXRCR2JuZm5IUmkxaXdMajNxdEVVTi0xSmNCT3IyWjltb1piYzRfNW05LUZVWTF1N29ySW80ZEJXZWJCcmlTQ1podDZlNEJLVU1zSExBRUpLaHZJZnlEQzZWTkx5N3BqaGZiN1lWT2ctYTZpUGh2MA?oc=5) · New Haven Register
- 2024-12-13 [Gail Schaeffer Obituary (1938 - 2024) - Wallingford, CT - The Record-Journal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPY1hPT3lMTzh6TFlwaGRrWm0zNmVveG1QSXc0Wmo1SnZYMGctQ0tvUlliLVNEUjFsM1c5T0QwYTBKM0FoOGVLUGZOc09GWkRyQ3pWWUZ0V2hpbXNmN1NrOVBFYTRSTFZwR0wwb2RvWXVQRjN0X0xmM3lyYUgxaGdsTmlLM003aTZoSGtEb2p4em15NUtPR19j?oc=5) · legacy.com
- 2013-08-12 [Judge awards Middletown woman $200K in credit union suit - ctinsider.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTVRJT1FteDFDT1pFSGhrVk10aWYwQm5RR2ZWd0dScG1HUXdtNG5TQmx0Zkt3Sm1YUWdFeVpBWUZodzBtR0RuY0hBS1RvNDNoYUxLSlk1cTlSWkhVd0V6b1hndUR4UWFZNGQ4SGtWUHc2MzRXQWxpYXZEeXVxZE1XdXdPWldSZmdXTEotb3lMYmd1bDdYQmRtX0ZZY2Q?oc=5) · ctinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14682 (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/26.json (key "14682", 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=14682
- 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