# CURTIS
Sandy Hook, CT · NCUA charter 19665 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/curtis-19665

Who the members are: federal charter, manufacturing (single sponsor), organized 1969. 50 members of 125 potential (40.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $225,094 |
| Members | 50 (-39.8% YoY) |
| Full-time staff | 0 |
| Net worth | $60,813 |
| Net worth ratio | 27.0% (p89 of band) |
| ROA (annualized) | 1.43% (p78 of band) |
| Total delinquency | 4.43% (p91 of band) |
| Net charge-offs (annualized) | -15.62% (p0 of band) |
| Loans / shares | 24% (p8 of band) |
| Cash / assets | 89.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.79% (p79 of band) |
| Operating expense / assets | 3.36% (p45 of band) |
| Vehicles % of loans | 4% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 70.21% (p100 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 89% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $2,478 |
| Loans granted, annualized | $30,000 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 3 | losing money, charge-offs p90 |  |
| 2016-09 | 1 |  | losing money, charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | delinquency rising, charge-offs p90 | net worth falling |
| 2018-03 | 1 |  | delinquency rising, charge-offs p90 |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 5 | losing money, charge-offs p90 |  |
| 2018-12 | 3 |  | net worth falling, delinquency rising |
| 2019-03 | 1 |  | losing money, charge-offs p90 |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 5 | delinquency rising, charge-offs p90, assets shrinking, loan book shrinking | net worth falling |
| 2019-12 | 6 | losing money |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 7 | net worth falling |  |
| 2020-09 | 6 | margin squeeze, members leaving | delinquency rising, charge-offs p90, assets shrinking |
| 2020-12 | 6 | charge-offs p90 | net worth falling |
| 2021-03 | 6 | delinquency rising | charge-offs p90 |
| 2021-06 | 6 | net worth falling | delinquency rising |
| 2021-09 | 4 |  | loan book shrinking, members leaving |
| 2021-12 | 2 |  | losing money, net worth falling |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 3 | members leaving |  |
| 2023-06 | 5 | delinquency rising, charge-offs p90 |  |
| 2023-09 | 8 | net worth falling, losing money, loan book shrinking |  |
| 2023-12 | 6 |  | delinquency rising, net worth falling |
| 2024-03 | 5 |  | charge-offs p90 |
| 2024-06 | 6 | net worth falling |  |
| 2024-09 | 5 |  | net worth falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | losing money |
| 2025-06 | 4 |  |  |

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

- 2026-09-03 [$100,000 Miracle Drawing to host ticket sale event - Rome Sentinel](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQblBIbi1NYzRVaTFUVGFNWnRTbWVON1pjWFhsTW9yYkxPc1ZjRTNFLThZTldpamFLWW8ydDg1QW1RQVFYRGtEQUtjeVFsa0R5cmVaZjR3cmJEclk1TEhLX3JDRkJfQkd0VlB4VEo4emVndUY1REpjdDd5RzlSa0ZtUjhtV29GTU1ieGphQ3BuVTFKVy1QSWhXbHhVdXp4NERkdVJyTGNJMHRlcHQ5OEJ6WTdsWGZkYm5fQV84ZjdnWVc5cFpORDA3bkg0dTJDcGk3RHVxdENFMU1DbHVENVJQMkszSGJNd1hVaW85LVYyb0ozaEhmQzNRMWEwYzVodHM?oc=5) · Rome Sentinel
- 2026-06-29 [Vernon Next STEP Grad Finds Success In The Workplace - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxNT1k4SGhoMC1fcDhsU1pOUnhfWDFuVVBQazBKRzYzNUlxX25jMWVLX2tycGhGdkowYk9VQ1ZOUHh5X0c3NFdjSEhCVmxfdXE3TTJwcUtCMXNlTTduYXk3LVFDdDNrLUFvenAxOENuVlljM0p1OE9lNTFrY09GWmxDYzc1cEdaY1lRa1E?oc=5) · Patch
- 2025-06-28 [Young Professionals 2025: Curtis Linderman III, Northern Regional Manager at OneAZ Credit Union - azdailysun.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPMjZuQnFRT0JGT2NRTEtBdTNGeDhESlVJZ0d3bVdXMzZUSXlpOEhsQlhTdW83UVItV29JVWQteTRLa1JNTVNFblBWZlFCb2gzWjVNZGU1czVud2d5SV9JRmVYc0YwSS1lY0ZrSmczXzVyOVlDZGFkWnU1WkVsc1FqblpkNVdMRFNiZmJBZjAtTFBCbzIwVjFTeHpNRXJ5YTBqMlRwTlFHVjFlMGY5Zk94eWFHcmR1RlF4bkMwdjQxRE4tbmdsZmphbGQ0VVc0d3dicjNVdXRWZzlnYjU4NHB2RzNWWjlMazZtSm1XYWNSVEtNb2N4aWtuNGxR?oc=5) · azdailysun.com
- 2016-08-09 [Craig Curtis Obituary Aug 9, 2016 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE15aXZYTUxPUWV5Zzk3QzYyTlpvelZDTkI3VFNTVy1BMUlfYlkydkVzYUdIekNHa2lRcTc1S0FMcnc2Rjg5YldvX09YYUMwN3BYekhXQzVnX1FTbjJNUWN1RnJRWmNmSnMzT2U0?oc=5) · Schnider Funeral Home
- 2020-08-21 [Photos: Navy Federal employees donate supplies to Pensacola school - Pensacola News Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPYm92R2RqZTVJYjU3MG9yM1pEX1NVcHdydTBmV2oxUWltRGlqejNra01TeUxwSzlRZ1VZckx3d0lkQnY1QWI4c3hzQ3g3TGVvWkR3ajNzcVZodWwtZVlJNDZlN28yenluMU13eVZSeFV5YnNwc0JpelVSTFh0aVZ5aGhfMWdVaUJmekZEa1Qwek9hZWNuWE9UWXV5Nl9NYzA2Sm40cFBXbU9ad1k3QnJLLVM1MUpSZU1kZ0dr?oc=5) · Pensacola News Journal
- 2014-10-06 [Robinson: A true rags to riches story - hartfordbusiness.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE8xY2gzcGlUdjRBd2NyQmI2WnBZYndhemYxWWJ5N29MMmJ1V0JVRFVWM2hQRWlOUFVuejN4bHVnYmQ3QkdKUDZlTkc0XzFlOTcwNHFhbkREQzZnZllIa2hmU2NsdDEtOTNqbUZRZmdEOTlQS1VNLWF4NWM2WjR1VWc?oc=5) · hartfordbusiness.com
- 2024-06-04 [Carmen Marie Stewart Obituary Jun 4, 2024 - Hansen Funeral Home | Vermillion SD](https://news.google.com/rss/articles/CBMia0FVX3lxTE9CQ0lhdkVmUVZWdWF2cy15eUtpZUVLdmFUX0Q5M0MtUFE0eExaQTdPUmhCbmVFSEgyX1VGLThMWUxXVmRjTTFrbkI2dnlOa2dBc0JkeHpLOFpzRkdYb2tYaDJVQnRIbnQtRlFJ?oc=5) · Hansen Funeral Home | Vermillion SD
- 2024-06-01 [Community leaders honored at Historic Westside Legacy Park - ktnv.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPajFrbURMMkRueWw4d0NQSFVDQzkyMFJBdHgtZGkzekMxQ3lBbnBGVXduR3RTc0JlU2RONFZWRUd6X3Y5cTFMaHVMZEI2RW9WRkk5eE1OYmNjQi1GajB4SUVtMTJYcEZGanJXMExBUF8zd0IwNHpwcWZSRGMxUHMzR3FZSG9vQU5rV2Fraw?oc=5) · ktnv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19665 (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/17.json (key "19665", 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=19665
- 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