# SYMPHONY
Boston, MA · NCUA charter 18861 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/symphony-18861

Who the members are: federal charter, multiple common bond, organized 1968. 209 members of 500 potential (41.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.1M |
| Members | 209 (-1.9% YoY) |
| Full-time staff | 0 |
| Net worth | $193,516 |
| Net worth ratio | 9.1% (p10 of band) |
| ROA (annualized) | 2.96% (p97 of band) |
| Total delinquency | 1.85% (p76 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 76% (p76 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.63% (p77 of band) |
| Operating expense / assets | 2.85% (p28 of band) |
| Vehicles % of loans | 20% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 111% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 37% |
| Average share balance | $6,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $27,844 |
| Loans granted, annualized | $116,716 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | charge-offs p90, net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | assets shrinking, loan book shrinking |  |
| 2018-03 | 3 | losing money |  |
| 2018-06 | 2 |  | loan book shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | losing money |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | losing money, charge-offs p90 |  |
| 2019-09 | 4 | net worth falling |  |
| 2019-12 | 4 | loan book shrinking | net worth falling |
| 2020-03 | 4 | margin squeeze | charge-offs p90 |
| 2020-06 | 5 | net worth falling, members leaving | assets shrinking |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 | expense trap, assets shrinking | margin squeeze, net worth falling |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 | net worth falling | members leaving |
| 2021-09 | 4 |  | loan book shrinking |
| 2021-12 | 5 | margin squeeze, loans>95% of shares | net worth falling |
| 2022-03 | 3 |  | margin squeeze, loans>95% of shares |
| 2022-06 | 4 | net worth falling, delinquency rising | assets shrinking |
| 2022-09 | 7 | delinquency 2x band, charge-offs p90, assets shrinking |  |
| 2022-12 | 3 |  | delinquency rising, delinquency 2x band, charge-offs p90, assets shrinking |
| 2023-03 | 3 | assets shrinking | net worth falling |
| 2023-06 | 4 | members leaving, loans>95% of shares | losing money |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 4 | thin capital, losing money, margin squeeze | expense trap, assets shrinking, loans>95% of shares, delinquency rising |
| 2024-06 | 7 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2024-09 | 6 |  | net worth falling |
| 2024-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 7 | net worth falling, delinquency 2x band, delinquency rising, assets shrinking | margin squeeze |
| 2025-06 | 3 |  | members leaving, losing money, net worth falling, delinquency rising |
| 2025-09 | 4 | loans>95% of shares |  |
| 2025-12 | 3 | delinquency rising | assets shrinking, loans>95% of shares |
| 2026-03 | 1 |  | thin capital, delinquency rising |

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

- 2026-07-18 [Symphony Under the Stars - Carroll College](https://news.google.com/rss/articles/CBMicEFVX3lxTE1uVWpEcUk0cTQ5cUNFRm9kRllHVEVkaWw2RnVscHpldkJkalVkVFNpMjNaVHVmR3ktQ05uV2xhZ2w1Z1VVMlN4UVBtRHBsVW5BYTR1RU9nYzFhWk5PR3Z1N00tVVB1S1ZjcVhjSHFjbzU?oc=5) · Carroll College
- 2026-03-07 [Rose Eleanor Mandel Obituary Mar 7, 2026 - ARN Funeral & Cremation Services](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1wLXMyWkJRaXpqVUxBbkZwY3pTa29wM09QQ1B0Um9MeGZPQl81YUdTbWJ2bDc2QzV4UHUxTXlBUEhJaGlMaGFkTE4tYlpuanhMSS1CaGxzRl9MRm1mT3Rz?oc=5) · ARN Funeral &amp; Cremation Services
- 2026-05-05 [Binghamton Philharmonic's new season has classic masterpieces, modern hits - Press & Sun-Bulletin](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNNFU2Y2U0YjdvYmFMVGVQXzJhazdTRjdWTVI4MG5fbTdlczhfNTdqYmRBZVpBZTQ5YkM4MUhOckc4bXhpb2dodXJ3Y1hBbnZHOTJPODdTRHZPY0d5aWtDdFVFaU8zZTVRWExlaUdhckNabTZwb3hOb0l1V1Q3R1U4aUU2RU05Sng2TE1QQWMydDVSRkJrSF95LTkyakQzM19MS19oRDJRRHJTMjVVcE9ZbkxWMExVN3dVb2JfYUlDcmdYWUZUbjk5aExIcnBEalduazkzR1BNWVdsMXlkQzJUWA?oc=5) · Press &amp; Sun-Bulletin
- 2026-05-05 [Dave Matthews Band and St. Vincent Cover Talking Heads “Burning Down the House”: Watch - Consequence of Sound](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTkZaQk4zVFBwZmlLdDJoMDVta09ZaFJWME5SbkQwaUdKVm15SW9SZ3FDOVhGcjhVY3ZGeEF3S21tRmZUTUdQY00tTVJzTnIzWEs5c212MDV0bGZVTUpTNzlNVURjekxmVFc3Z0wyNVpQVmlsc2RRbzFjWVQ0Z2JPNGVrdE5CanpQN0E?oc=5) · Consequence of Sound
- 2026-06-08 [Charles P Bowles Obituary (2026) - Rindge, NH - Boucher Funeral Home, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQk9zSFZBenRVbncxMlp1cFZwSXEyWl96aUV6eDVwcDB5WUlHOVJZQzdkeFBSaVVPX2pkUjFLeWM4b0RlbGJYOVU2UHYyY1Exb19Nd3p6eE9fSFBUVnZVMzlLUURaRXg4bkNOM3hiU2haV0hYN0ROb0NPMm9TaDZ5RUlKUQ?oc=5) · legacy.com
- 2025-06-16 [BUSINESS BRIEFS: Berkshire Pride honors Greylock; Boston Symphony Orchestra appoints Sophie Wang; Madison Quinn named Grand Marshal; Elm Street Martial Arts promotions; Berkshire Health Systems honors employees; Lee Chamber of Commerce a - The Berkshire Edge](https://news.google.com/rss/articles/CBMiyAJBVV95cUxQOGNXNV9MdDYtODJabmRIQVdPMV95Unp4eU5RbU9OTkFLamFkeUlNWURaaExNWnB0Z2RQZ01aSHRBcmNpVHdTTzREN2pCeUhUUTRyalZoZ1JFcUZScnVDakhKNDN0Nm5YeWx2N2kzYWtiWlY5X3dGV3dIMG9QNzlWYjZRbXhpbHRIR0xURE8zekYxNEtUZ2N6MVphOFJ1a0ZrdXM0ZHJ6bnlGUjdENUN4eGRZVnZhR0xrSGdJT3FXMnFhTUpFUVc4TlViQjhlQ1VPbDgxMmdHSENJSjhubzRNZE56dklydU42Q1FNeVBJM2MxN3Nfd1V5ZXdUQWJZcGdjbHRudUl5VEZQcjNRSnU2WnQ5S0V1SFJuTHBUaVNWOUFad3JxSWw5WnNMWVVBQjVLUG4zMTU5QlJaWUpyU09wMWFla2ZZeUM0?oc=5) · The Berkshire Edge
- 2021-05-10 [Greylock Federal Credit Union to merge with Credit Union of the Berkshires - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNRXBHa3J0QlFQRGZJcTg3QU44cmoxa25naEt4ZG1hWWdFSmRYd3RqUjlTTlB3blVrb0p6ay1EbmE1SU56OGgtNk5ST1ZtNUYwS0RiUTdCWXQzMEp0aEJXUk94aExXa2lRYURLaUdnRFBaS2xBOGJ5SE9vVHd3N2dsaHRmTUNkVEUyLXVwYUlMQ2lDdzZoTEtCN3R5SFN2aDFmRDc2aXhJRU40eVkxS3RJQ1JubWhiVmVMa3F4LVRsUWY5VTFNMmZYN3l1TjFlNkdEdnVZUW5uMm02ck5PbE0tV3JwX25rbnBYU2dBNjJja3d4SVRUandla3B3?oc=5) · The Berkshire Eagle
- 2022-11-22 [Ellen J. Marlette Obituary - The Patriot Ledger](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1fSG9SMTFwenBZUGx4emZ1cWFrenN6Y2h0Um1MTFZJa3c1R1hPUEVJOENlUGV1d0JkMU1sQW5udWRRY0h6bmVmTXFvRnJUT2Mtb3FtcUpKNFhYSVNhT1RzMTdR?oc=5) · The Patriot Ledger

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18861 (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/45.json (key "18861", 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=18861
- 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