# ASA
BLOOMFIELD, CT · NCUA charter 21190 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/asa-21190

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated. 1,069 members of 22,000 potential (4.9% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 71.

**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 | $12.3M |
| Members | 1,069 (-4.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.1M |
| Net worth ratio | 8.7% (p8 of band) |
| ROA (annualized) | 1.13% (p74 of band) |
| Total delinquency | 4.95% (p93 of band) |
| Net charge-offs (annualized) | -0.25% (p6 of band) |
| Loans / shares | 34% (p18 of band) |
| Cash / assets | 67.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p59 of band) |
| Operating expense / assets | 3.20% (p37 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 5.97% (p95 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 10% |
| Average share balance | $6,879 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $5,074 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | thin capital, net worth falling, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | delinquency 2x band, auto monoline | thin capital, net worth falling |
| 2017-12 | 2 |  | auto monoline |
| 2018-03 | 4 | net worth falling, members leaving |  |
| 2018-06 | 2 | assets shrinking | delinquency rising, delinquency 2x band, net worth falling |
| 2018-09 | 1 | delinquency 2x band | members leaving, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | assets shrinking, members leaving |  |
| 2019-06 | 3 | delinquency rising | members leaving |
| 2019-09 | 3 | members leaving | delinquency rising |
| 2019-12 | 1 |  | delinquency 2x band, assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | net worth falling, losing money, margin squeeze, delinquency 2x band |  |
| 2020-09 | 6 | delinquency rising, loan book shrinking | members leaving |
| 2020-12 | 8 | thin capital, members leaving |  |
| 2021-03 | 8 |  |  |
| 2021-06 | 6 |  | net worth falling, loan book shrinking |
| 2021-09 | 8 | capital below 7%, auto monoline | delinquency rising |
| 2021-12 | 7 | net worth falling | members leaving, auto monoline |
| 2022-03 | 6 | charge-offs p90 | losing money, margin squeeze |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 | delinquency rising | capital below 7% |
| 2023-03 | 7 | capital below 7%, auto monoline |  |
| 2023-06 | 4 | assets shrinking | charge-offs p90, delinquency rising, capital below 7% |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 | charge-offs p90, members leaving | assets shrinking, delinquency rising |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 4 |  | charge-offs p90 |
| 2024-12 | 3 |  | members leaving |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 6 | delinquency rising, assets shrinking, members leaving | thin capital |
| 2025-09 | 5 | thin capital | charge-offs p90, assets shrinking |
| 2025-12 | 5 | charge-offs p90, assets shrinking | delinquency rising, thin capital |
| 2026-03 | 3 | thin capital | auto monoline, charge-offs p90, assets shrinking |

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

- 2026-08-18 [George C. Beeny - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQU3lPVHVsQ2RIZjRGdS1tWnM0aEFvcDJLc3JIaUpSX0tvYzQ4REpLVURZNnNYZFcwTTdOcFZaMlVqQUJaVFJTWFpHNVEzbk56RGNhVzlWOFNKRE4zUktnSmdLMDNKNDJXRmVvSWVqQzJpcUczT19EdFZrWGF5bEhqcmZHdTcxb01rZUUyVXpiZw?oc=5) · legacy.com
- 2024-06-03 [Americo Pace Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMic0FVX3lxTFBoYmlzcGltMHBkNHVlZHFyN3FaLUJ4QVg4ZEthN2lUY3RBcVJZMmdwMndBa1JvazNGaFFvNmxVejh2WUFIOG56UTY3SFFiV1NFQzJIaGxaMUZFRVk5bzNiVlJ2alVuQ2trY3BYZUZCaVNYUWM?oc=5) · Hartford Courant
- 2023-07-14 [GOP presidential candidates navigate cheers and jeers at Family Leadership Summit - The Des Moines Register](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPUjhZNDhwY1VKUm5Lakdld3BqeV8tUzBZaXV3aUdCY2RIOWdoekFyZ19UQVBGYnVQWjhjVmdmci1EOEp3WUYxcEFvWkdvejRfdzZlQ2VYeHdmaGE4eUJYSUc1a0ZveXRaOElSNnVvaTRZYkNGeGN1QnJITUtsZThNWEFHWlBiOXpVSGJhR3ozTjEyZ3pxU09FeVFreVVrdW44UW55SlUwdHd0TGhPVVp5REV1NHpVSkIzV2l0cExYY1VkZ1lHZldwWlh5Y1MtOEp1djZXc0FWbG5fd3RWbDlNYXBOVkVSejgxODVrczBPc2JKb1pfV2Y5Rzln?oc=5) · The Des Moines Register
- 2019-07-05 [What's Happening On Campus For Vernon College Students - Patch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPS0ZPa0F1THRvX3A4ZE1Nd2s3THZ1bzV3My1GTk14cXJWT1FweTRwdDhHM2x3aVBVUDhZUW9DTGpTeEpDQ1VfbXdYeDF1OW4yZGlsNzhpa1doX2NTX196bmVHaFlaU2EwYnJ5ZG54X185ZUZWMTVFQm9Jc1hkSkZ1dGVUakFoU0J4bWVJ?oc=5) · Patch
- 2024-06-07 [Erwyn B. Glanz - Hartford Courant](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcFM4dVYtYjNRVVhQbzlQY1EtUUxkMjVKeGR3N2pBSXZ3THNZN3R0UklEcnBBc0JVLVd1dDRsSDV0TzVRZXlZcFhYRjdqXzVDR3NUYkc1bV8yamJCY0I5RnNEWlNmZkgtZk5YLUdHelN6by1OenVqOGlLNS0wb1BQZFR1QQ?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21190 (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/6.json (key "21190", 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=21190
- 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