# M.O.S.E.S.
Boston, MA · NCUA charter 23627 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/m-o-s-e-s-23627

Who the members are: federal charter, associational, organized 1980. 267 members of 3,000 potential (8.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *too clean*. 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 | $1.5M |
| Members | 267 (-7.3% YoY) |
| Full-time staff | 0 |
| Net worth | $329,572 |
| Net worth ratio | 21.8% (p79 of band) |
| ROA (annualized) | -0.13% (p21 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 35% (p19 of band) |
| Cash / assets | 71.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.07% (p88 of band) |
| Operating expense / assets | 5.23% (p82 of band) |
| Vehicles % of loans | 14% (p9 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 | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 86% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,310 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $7,470 |
| Loans granted, annualized | $30,000 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **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 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | losing money |
| 2017-06 | 0 |  |  |
| 2017-09 | 3 | net worth falling, losing money, charge-offs p90 |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 4 | charge-offs p90, loan book shrinking |  |
| 2018-06 | 4 | members leaving | net worth falling |
| 2018-09 | 6 | delinquency 2x band, delinquency rising, assets shrinking | loan book shrinking |
| 2018-12 | 4 |  | charge-offs p90, members leaving |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 | net worth falling | delinquency 2x band |
| 2020-03 | 2 | assets shrinking | net worth falling |
| 2020-06 | 3 | members leaving, loan book shrinking | assets shrinking |
| 2020-09 | 4 | net worth falling, margin squeeze | loan book shrinking |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | members leaving |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | net worth falling, margin squeeze, members leaving, loan book shrinking |  |
| 2022-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 5 |  | members leaving, delinquency 2x band |
| 2022-12 | 2 |  | net worth falling, margin squeeze, loan book shrinking |
| 2023-03 | 2 | delinquency 2x band | losing money |
| 2023-06 | 1 | assets shrinking | delinquency rising, delinquency 2x band |
| 2023-09 | 3 | members leaving, loan book shrinking |  |
| 2023-12 | 1 |  | members leaving, loan book shrinking |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 1 |  | assets shrinking, delinquency rising |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 4 | margin squeeze, loan book shrinking |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | margin squeeze |
| 2026-03 | 4 | losing money |  |

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

- 2026-08-27 [Flock cameras and license plate readers aid arrests, recoveries in Grant County, Moses Lake - Source ONE News](https://news.google.com/rss/articles/CBMikgJBVV95cUxPOWZlaHhxbktsQnl4SWdMVkI1Z3RHeGpVZVBjTUx1MllCV0diWFFGcFRVTWFySmVwN2ttR3RKbnd6WENkNWhXQlpmTjRDNjM4cmM4OHhscVF3SUxNNGstWmI2dDV5MnEzdE55cEdKM0I1eWxIU0FVT2FUZTFEa2Y5UHNXRWg5aVVmMk04bEFyaFktaFhobkF5dXpWWEVlNlNFOW9IZjJaUG1zTE5zWGl0Q21YVVZNRjFZTkdSVkxJckxWcE4xdTBKVlZnbzZjYm8xTWNXSzdHSjRMTnBFZEtmVXRGRmhPMFBCRDBSTGZWMVJsRlRLMkx3aDZSUG1VT3NLY05BbDh4NmxZeEhuZUxvbm9n?oc=5) · Source ONE News
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- 2025-11-04 [Cannons and Bob Moses Announce Co-Headline 2026 ‘Afterglow Tour’ - That Eric Alper](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWmpTZHEwOEtObzJmVE53LVF1Q3pGS2ZhejVTbkt3d0szVUdJODNOTUszZ0NVaTZIbEJWWkh3OWZ6SXVpczdvcGNHS0VYQVNTX2pQTGlqcm81TnI1bzk1NWNvTGlCVk9PM1F0WXNrWDlzVEtINlFlczg0QmxwUjVINURJem14R1Ffb3N0SjR4eUlkNDJlQWZNclZqZmh5WnNYYk9jS0RCTQ?oc=5) · That Eric Alper
- 2025-12-20 [$6M Arhaus false advertising class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOV3JhUEcyNlpYLU1vc2Faa1RXWU9QOGZ1VXFjaDFObHI2eFZJXy1DZ2xkN3RqY0treWtDbkQyZ0hxN2JYc2Q4Nk1BajFKcXh2TjVoODU3VThkaVdneHFUb3dIYVoxT0hLVXBEWFgxQjBkMnBLZnRrdEFiV2pES1ZoeDI0bW50eGxuNnNhSFNzUy00VVJCd1A2dHBhbFBxQ1lZTDdEWWNDRGpXYW1zVXBDdGs1NDN0c3ZvN0xTaUV6Wm1ZNUU?oc=5) · Top Class Actions
- 2026-03-21 [Electro-Pop Favorites Cannons Announce Fifth Album 'Everything Glows' And Drop Glittering New Single "Starlight" - That Eric Alper](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPVkc0UlRNOXc3ODVXQ0lTcTZDZEY0Ti1pUnFuUHVHb0xDQUszbG9rVFpZSmIza2ZtdEpVd2VGVnltTHhJNlVkd2hna3lYZkk4Zkw0RHFwSUVSRnVtd05EQ1NtajUxbDZZY3lGWnVSaGdMVVBHU0ppcWlURzRNVHZ1am92Z2ZONGlMTW1tMTBVUzd0Wmk2NnAwYjFqWm9zWVBDRU14M3R5VzhOQTk2TVotRWJ5R0ItLXZtTEtEd2pkUHpOU0U0RGNnMC1yTk1KeHZRdjJFZ1ZtVUNBSGtrQlE1LUctS0o?oc=5) · That Eric Alper
- 2016-03-19 [Savannah residents differ on respect, being called old and usage of 'ma'am' and 'sir' - Savannah Morning News](https://news.google.com/rss/articles/CBMiygFBVV95cUxQNmt2R1pWaGNSX1BLNW0xUzY0RnlXODJSaGdDVHVySC1DQk13Qkdxb2tZbkhfWlNnUUR5V0NDQmgySzljN3F0eW1FQVV4eVc4XzRjQ2M1b2dJMGJ6dVVsY1E1MFppRWo1TUM5blRNS3JrekZlbFJENEJYLXE5TWhUOXo0XzVBZEc4ZXNNQlRtYVRMaGstb1ZGSUl6TWk1VHJJT284cXpPYnV1TmVEZU1WbV9GRUdNTEFsSkUyYWd4b3R0dEJIQzZnX0x3?oc=5) · Savannah Morning News
- 2012-03-20 [Thomas El-Hage Obituary (2012) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNEtkMzNYOVF2T2dwS3lOdThPS0IzQkgyWDVRYkUxa1BoTFdNSkNlT19YUVFaVjA3TnBodTJZWGRCalpRcHNNR19nbHotYUZheDhpVldnM21Jd2d5a1JfUDd0ZjNiZHlVdEFDSEtScTJHZXZoMnVxdTMxcmw4UGVGNDYwa0JMRm8xaThmV2hnMGhtNDBi?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23627 (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/11.json (key "23627", 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=23627
- 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