# ST. VINCENT'S MEDICAL CENTER
BRIDGEPORT, CT · NCUA charter 20629 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-vincent-s-medical-center-20629

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 1,633 members of 7,500 potential (21.8% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.9M |
| Members | 1,633 (-1.9% YoY) |
| Full-time staff | 4 |
| Net worth | $1.9M |
| Net worth ratio | 8.7% (p8 of band) |
| ROA (annualized) | -0.98% (p10 of band) |
| Total delinquency | 0.97% (p61 of band) |
| Net charge-offs (annualized) | -0.27% (p6 of band) |
| Loans / shares | 18% (p5 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.64% (p3 of band) |
| Operating expense / assets | 3.09% (p34 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 43% (p94 of band) |
| Vehicle delinquency | 2.01% (p79 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 1% |
| Average share balance | $6,878 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $404,965 |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $16,550 |
| Loans granted, annualized | $636,840 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $404,965 outstanding purchased (21.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 | net worth falling | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band | net worth falling |
| 2017-03 | 4 | losing money, members leaving, loan book shrinking |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 4 | delinquency rising | loan book shrinking, net worth falling |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 2 |  | losing money |
| 2018-06 | 4 | delinquency rising, assets shrinking |  |
| 2018-09 | 3 | leaning on borrowings | delinquency rising, assets shrinking |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 3 | assets shrinking | leaning on borrowings, delinquency rising |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 4 | losing money | delinquency rising |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | net worth falling, delinquency rising | assets shrinking |
| 2020-09 | 4 |  | delinquency rising |
| 2020-12 | 1 |  | delinquency 2x band, losing money, net worth falling |
| 2021-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 3 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 2 |  | delinquency rising |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 1 | auto monoline | members leaving, delinquency 2x band, assets shrinking |
| 2022-12 | 4 | losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | net worth falling | 3rd-party paper>100% NW |
| 2023-09 | 3 | 3rd-party paper>100% NW | delinquency 2x band, net worth falling |
| 2023-12 | 5 | delinquency 2x band, loan book shrinking |  |
| 2024-03 | 7 | net worth falling, members leaving |  |
| 2024-06 | 7 | assets shrinking | net worth falling |
| 2024-09 | 5 |  | delinquency 2x band, assets shrinking |
| 2024-12 | 3 |  | losing money, 3rd-party paper>100% NW |
| 2025-03 | 5 | losing money, charge-offs p90, assets shrinking | auto monoline |
| 2025-06 | 4 | net worth falling | charge-offs p90, assets shrinking |
| 2025-09 | 4 | assets shrinking | net worth falling |
| 2025-12 | 4 | thin capital | assets shrinking |
| 2026-03 | 3 | net worth falling | loan book shrinking, members leaving |

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

- 2019-10-01 [Hartford HealthCare wraps $244M St. Vincent’s acquisition - hartfordbusiness.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPMkprMlh2VVdZWUpSOXdrMkxTUTk0bUtNUEV1NzlxanlEM0RjOUxnUEhnbk9pSlVoeE9GWV9zR1pna1d4RjFYLWRIMkE4blk0blBGeGhJWVdZUS05Z0V3b2tzTmwtU1JWb0hWSTB0dnNJY1RZWlo4Z2Yxbml6V19ETTZNdEU3aXhlWmZld09TTjJoRk9QSWVB?oc=5) · hartfordbusiness.com
- 2025-11-14 [Latest Hospital Safety Grades Are Out ... See How Manchester Memorial Rates - Patch](https://news.google.com/rss/articles/CBMisgFBVV95cUxPeWltUU1tOHMyNFFCT0VEdW1kY0hOWXAzaFc5Tk9fVm5hbWdndFRJNHJ1ME56ZndFWDZyVmpyUTF3X0pQbnROSVMzbVB2MjJOblBrTUY5dHZJVXJSZjhHRmhGVVluVTZRZDhCZHVwVUNiMHA5TG1BM2M3MHRWVWNFUTl1ZDN2bTJYRnFyRDE0OU1ENU1JVUM1bWJDWlljR3hnVDV1S3Yxc2VVSE5WS3NkZDBR?oc=5) · Patch
- 2013-09-03 [Retired CT Fire Chief David W. Russell, Jr., 85, Passes Away - fireengineering.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOT3VIZnpaVUhoRFYzVXFrdVMwb1VNbHNxUTA1MEZHZmpmYjJqdUZ2VVo3dWs1VGxUWS01RDNsSW5kMEN3N2JLR3hrMHlZam0zZmd0TERzT3Jkem04OVRBSUtCQ3R6WnhJVUVPUzZuYnhmeEc5bS14NGhlNFRUNEtOdTBjNE8ta1ZNSS1BOFpOM05YM3JD?oc=5) · fireengineering.com
- 2023-10-16 [2023 Power 25 Health Care: Jeffrey Flaks - hartfordbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5icnBFdkRWU3FfdWthOWhXNGx0MHh2czdYb0ROSW1iWTdoZEFFYjMwS1lzV0RGMllSZzZ0c0VXTGpxbVpVODgzVTI3UFR6MHBkRGNRdVFocE1DeVNsN1Fscg?oc=5) · hartfordbusiness.com
- 2017-10-03 [New Area Codes Becoming More Prevalent in Connecticut; 475 and 959 Grow in Usage - Connecticut by the Numbers](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNeXpVQ0xSakVIX2tHWXY1UjRXTHhlWTZwOTMtNHZtUDhSejFqNVJSWkIyMnZWUmRzNGpVQjNNdkc2bjZsYkhJZ2tHbzNWT19IdTI0b1BETXlLdkRaei1VY1R4d29TaW10UlRjZlJETFdIV3E1RkhVTjVPVXdMb3lYdHZYeFFsdThiUUVvaGRsRktlVTRIMzNSSGhXN3k4TWpuY3RuS0g0SEp1b2t5dU9Pb0lldGh5NTdCTmM4bUo3QmtKOHc?oc=5) · Connecticut by the Numbers
- 2016-05-10 [ROBERT BAYUSIK Obituary (1944 - 2016) - Huntington, CT - New Haven Register - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOMHlySDhuY3hlOGs4YURZSm54WUJPeGJxZXhqaE01cC1YQmJYZWJxTDk2X2M1Mlp1RlIybjBXelE4X3lVWm1LNUtpUjRDNDlxWGNZMEQ1Q2VrcXJGTlRibnhWa0xIR3ZmLXFtbl9mRUE0X0JYYUUxSDlmM1A1dDZCSDFRNmR5YkpVc0ExV05zUnlWZw?oc=5) · legacy.com
- 2025-05-01 [Hospital Safety Grades Out — See Where Manchester Memorial Ranks - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxORjV6UmtneUt1RFlidjVONmYwSURvU2VBZDE5X3hIdjJOWDY3SGdQa2FzNUZZU3dQZk5TVTcwT3ozY2JKekxMMEdFODE4TnR4V1M0cGdMRVYxYXItRFRNYmRWdXkyem1rQ2lQZmhLRnZObjBUd2NvV1h1SzUzQXVtdTAwUkM1d1lKcGpLX0RGczhXbnM3S1pUVFBQTUZKaXZGTnVhTEp3?oc=5) · Patch
- 2009-10-20 [Margaret Fitzgerald Obituary (2009) - Bridgeport, CT - Connecticut Post - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY3djbUJ0RWhWX0laTzFXQm9yaFNYeWJNWUtVZG9CLUNIRlJhdG1JVF9ScW1uTXhRR3JEM1lvVWFmQ09qamRVSjFmTW53cmR2aEpGdENobkZTVVM4NWhPb3VhYjJmckMxLXYwTmplRHJzLXlkQjdIQng5YmpKY1FpOGZVdGxJOHZ5ZS1US0ZOR0s2UXc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20629 (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/21.json (key "20629", 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=20629
- 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