# UMASSFIVE COLLEGE
Hadley, MA · NCUA charter 18181 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/umassfive-college-18181

Who the members are: federal charter, multiple common bond, organized 1967, low-income designated. 51,124 members of 81,997 potential (62.4% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 42.

**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 | $712.5M |
| Members | 51,124 (1.3% YoY) |
| Full-time staff | 117 |
| Net worth | $66.7M |
| Net worth ratio | 9.4% (p29 of band) |
| ROA (annualized) | 0.38% (p26 of band) |
| Total delinquency | 0.98% (p76 of band) |
| Net charge-offs (annualized) | 0.27% (p32 of band) |
| Loans / shares | 85% (p59 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 1.62% |
| Net interest margin | 3.53% (p56 of band) |
| Operating expense / assets | 3.52% (p47 of band) |
| Vehicles % of loans | 10% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 25% (p27 of band) |
| Vehicle delinquency | 0.93% (p73 of band) |
| Vehicle NCO | 0.65% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 77% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 29% |
| Average share balance | $7,211 |
| Participations bought / yr | $6.0M |
| Participations sold / yr | $2.5M |
| Participations outstanding | $30.9M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $25,065 |
| Loans granted, annualized | $132.2M |

## Participation posture (from the same filings)

Bought $6.0M and sold $2.5M in the latest annualized quarter; $30.9M outstanding purchased (46.4% of net worth), $606,621 sold and retained. Sold in 1 and bought in 4 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | 3rd-party paper>100% NW |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | 3rd-party paper>100% NW |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | delinquency rising | thin capital |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | thin capital, net worth falling, 3rd-party paper>100% NW |  |
| 2020-09 | 3 | margin squeeze | 3rd-party paper>100% NW |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 1 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 2 | net worth falling | delinquency rising |
| 2023-12 | 3 | thin capital |  |
| 2024-03 | 4 | members leaving |  |
| 2024-06 | 2 |  | net worth falling, members leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | thin capital |
| 2025-03 | 2 | thin capital | delinquency rising |
| 2025-06 | 0 |  | leaning on borrowings, thin capital |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-05-27 [UMassFive to host ‘Family Fun Day’ in Hadley focused on youth financial education - WWLP](https://news.google.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?oc=5) · WWLP
- 2025-12-18 [UMassFive credit union plans E. Longmeadow branch in ‘26 - MassLive](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUHUyTVNnbUhmUVZqazRIbXVtNnI5azVkZDVaSkxyOFpuYnJGX01YZENETFk0YzJwQ3IxLW1fTVE0LVdDN2NqdmtCQlowZ0VEbWtlSUJwNDFvUmtIUExBVmRFdC1WdGFUaEl5OHhsZ1o0VndydlQ5SWROMGRMMmNtYmtzTjRnQjlDTGFFeHNBVGxtN1FoRTNPam44ZldOajNxYzZN?oc=5) · MassLive
- 2025-02-27 [UMassFive College Federal Credit Union Remains Focused on Growth - BusinessWest](https://news.google.com/rss/articles/CBMimwFBVV95cUxQN0F2VlRhZEJlWGtWemZjQnVhQndfSUtmVnhReUU1NHhUXzVWUzI3TnVDQUlPZHY2LTFDTFpMeUxjeXFFS2l2dTVmSDZybTV4NUxSYlQ4QXpBSHdHX0NINXUxckNxUGJhcmctOXF4UWZsX3hyZU9MMVlESWN2cHp2Y3VUcy1ST0Y2d3dPU25lc2xETkhZbElhZmNFNA?oc=5) · BusinessWest
- 2022-04-24 [Award for civic involvement given to UMassFive College Credit Union - WWLP](https://news.google.com/rss/articles/CBMimgFBVV95cUxQT05qWVUwSDNMSDROMGJSX19fSW1nOHFZcEVZRnIwa0pLbV9kZXVHRTcwYldVdmxEUHpRVjZsbE5tQ01uUzFQbm5CSHFoam1rNDR4MmRIS0UtRDBiZS1wNlI5OXEwbVJqUlMyNk1CRVRfeFFWNG1acWJWdmllU3BuQmVIdzJyWXNhdFhvcWozd1MyOHR4MGNNcl930gGfAUFVX3lxTE5rbVNZNFc4OUJ6c0haZDNVLWRHUUotcVVpdnFIbmVnMGJqMnRZMUx5QldNUUlyZU1tdGVqZWJhWFYweW9WbkNjWXlQV0NRbmFuN3g0cmRudkxIMzlyVHNZOVVSeTNoWXBPTGgzLTdJdVMzN3R4MEh1ZWl1MDgyeVNwcmx0Z2pHRThzd2o4aFM0NUc4d2ZoUkVhV1dMenlBbw?oc=5) · WWLP
- 2019-01-08 [UMassFive College Credit Union Continues to Move Beyond Its Roots - BusinessWest](https://news.google.com/rss/articles/CBMinAFBVV95cUxOTmo5S1JSYV9rOVJpYkMzdzlBc2JCcFZTQ2tuTk9IakFKZkU1dlROb1kzOHpvdW9wU09yaVQxb1JYVnhWQ1ZIaGZEMUtkWEVLU2lTRVQybk4tTDAzMXRRRy1wcVZIWWlPbnpIOFhEQWZzZ1Y3YmlZRkRaX0lWRDFoajdHbUhPNEMxYW9wQk9ZR3QzQWZ4MmQ3Y3pjdVI?oc=5) · BusinessWest
- 2017-01-19 [People In Business: Nick Cantrell of the UMassFive College Federal Credit Union - MassLive](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaWk3LW1xN1lveXFaWjI2YVlWSjRELXZDZ0FWbUl6ZDB5b1lUam1yeDRzM0pVZWYzVHNYMFlpQ1N0OU5wYUlOdzI5WTllaXF3YWhGdTNiaThjZUp5bkFrbE92UVBxQ2pLQmZieVhFcUdCd1ZZak12dHpod043R1MyVzk0cHFFVGdfblZTX0o5NHBEbnIza2c?oc=5) · MassLive
- 2024-02-28 [Winter coat collection drive nets hundreds of warm clothing items - WWLP](https://news.google.com/rss/articles/CBMipgFBVV95cUxQd0NIUXkyTzZkeXpTUkNOdEE3YmhldF8yTXVsUXViQVNhU1M4Q1k5YzFvNmZFa2VjMGh4VGJTdVNvWUxIX2NOdl9Rak1TTE1BWTc1bXlmTzNhWjI4THFiUFlfb2pPRGkydkVmVklXdWhsUDRFOU5zTzJvV1lEQ2d1Y3U4aDZIZFVwNXR3ZHA2RHZRdG9VblhqZEUtazN6QnE1NEhXTmF30gGrAUFVX3lxTE1XRVM3S2hLb1h5ZHlCQkFTZXhvekUxSE5PY21nS3VmMVB1dzRxQTh2aDE2OHFNNVpYdk1iV2dkMldzeGF4X1RzQXo5YVY4bmliVHNPWjUxWGRrcnZ4OVk4R2c3eFhBQXQzUERtcXpGUnE5ckFMNzFjYmg4MV9rSUtFME5fV1lZWHh1WHBpVnhObm1fSG1QRmxNYzVwVjFVdEh0aUpiVl9LSTM4VQ?oc=5) · WWLP
- 2026-06-05 [People on the Move - BusinessWest](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAyWldvTU1KRWpSN18wb0RUcXRBekdKQWozRXZGb2ZnaWJ2UXFDb214UFZ1M0QwRHUyeHltazZfMjhfQzVGTFJ1WVlrVlVpa0QtVDFBTkxGc0dWZTAtWS1DV3ZsMA?oc=5) · BusinessWest

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18181 (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/5.json (key "18181", 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=18181
- 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