# KENT HOSPITAL
WARWICK, RI · NCUA charter 24474 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kent-hospital-24474

Who the members are: federal charter, service (single sponsor), organized 1963. 2,024 members of 4,600 potential (44.0% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 42.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.6M |
| Members | 2,024 (-6.9% YoY) |
| Full-time staff | 5 |
| Net worth | $343,353 |
| Net worth ratio | 2.5% (p0 of band) |
| ROA (annualized) | -35.14% (p0 of band) |
| Total delinquency | 0.39% (p35 of band) |
| Net charge-offs (annualized) | 3.01% (p96 of band) |
| Loans / shares | 59% (p49 of band) |
| Cash / assets | 19.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p84 of band) |
| Operating expense / assets | 40.21% (p100 of band) |
| Vehicles % of loans | 50% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $3,432 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $8,374 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 1 | thin capital |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 0 |  | thin capital |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | charge-offs p90, members leaving |  |
| 2019-12 | 2 |  | delinquency rising, assets shrinking |
| 2020-03 | 7 | thin capital, capital below 7%, losing money, expense trap |  |

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

- 2025-06-09 [Navigant Credit Union seals M&A with Pawtucket institution - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbjZBLUxkVC1UVXJGbDVrWEc5UzRIUU90bjRGZGV5ZzJoTWVvcXNBWUlJMEJ3Ml9mVHgzbzA2bVVhMUpGQ1hBb3VnN0c1aXdiejVCLTViQm9TeldTZzJ2SHBPcGZqRHFxejNsQ3FoMGtVbzlBbTNSd2x2TTRyVWEza1FpNWxkSk04Q1A0c1VlUnYwREN6Zmtz?oc=5) · The Business Journals
- 2022-10-24 [People on the Move: PACE-RI Appoints Dr. Nikolopoulos New CMO, Cranston Names Finance Director - Go Local Prov](https://news.google.com/rss/articles/CBMisgFBVV95cUxPc3dtN2lmZS1WX01KTHl4ZUVzNGxMREJVYm5iTUowS0xrQ0VObC1majFyQmR3SDZtMkszQUpBVF9EV1FYVURkR0NrM2NZYUpzbmpfMDUyck82MU1LSjNFMlFlY1B2eEtJdFk3X0IxVDNmT2lEaVJTY3NTdlpZN3c1ZE1ud3hhZmdVc2tpQWFEOE9fQVdaYmZfSklHem53YzBtdUg1eEl5QkxIN3UxOHFRSllB?oc=5) · Go Local Prov
- 2006-08-20 [Obituary information for Harold E. Beaudoin Sr. - carpenterjenks.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTWphVmgyaHp6SmVzVkQ1N0MxNEptTEU2S1VCeEVHR212NjBCb3IwN0Uta01zTXg0X3REVmEtWDJvcjljTjB0R1UyS2E3MzhRTTl2dmxjNXNwUWQxbWFoRnAzYnZwZHdPU1A1V1ZBNkswc2FkSmhkemJVdEZjQzhYSkJR?oc=5) · carpenterjenks.com
- 2024-02-02 [Obituary for Marie N. (DiCarlo) Diamonte | James J. Gallogly & Sons / Henault / Prata - galloglyfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFBJZS13RDN5QmJCNVBBWGlQZ190ZlRHSVE4QnhLUEtUSTZVQWJiX0hJM29uU1c1TG1zSU9Dei1WdHpfazY2S21FYTZoRmY0MDdsQTdfQk9LbDRXSi16amVoeWE5eXh4OWFFVkN3?oc=5) · galloglyfuneralhome.com
- 2020-04-16 [Richard A. "Rick" Petrella, Sr. Obituary Apr 16, 2020 - Nardolillo Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE1hMUFhd2tyaXdXOUJIRVI4Uk5hUHFWeHUzRkxxT3pUZ3J3RWNkbk5zazJSMmVzYTYtbDFHdFgzR0N6b3lDdnl1TmE1SENoNjAyeGJ2T3EyMWlfaUhHdkh4WVJmMmdObmVnTHc?oc=5) · Nardolillo Funeral Home
- 2012-10-10 [Police Log: Asleep At The Wheel, Bank Fraud - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOVhFTUMxWkd2YmVaQ2RVV0M3b3ExcS1aSDRhdkxTR2RyblFoNW9RZlRTOFB2SFdSczZqVW5kLU1CdXJHakp3THZ1SUlfVl94RTY5cFhuWkF3UFFfc2dyMHZDajExS1RwcHFpUXFyQkNZYUJGUTVMNmJaR3BnSFlFUmtCQVdFenhvZGpidFN5OA?oc=5) · Patch
- 2009-01-24 [Charles Bonn Obituary (2009) - West Warwick, RI - Quinn Funeral Home - Warwick - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQbVpnRnhVTXV3TnVHa1NndzYyeWNLSXpEd3poWGozMlRMWjFENUhDYmpyVkFtTGpQR1RIR2NpTjFOaVVEbmdTZXoyTklWX1VWS1loRGRVUlhpa2NKeVY3cnQ1bFlkNDBYcmppeGxEdXc3VnJHNlM1M0p0V2k4bUdtWk9xSQ?oc=5) · legacy.com
- 2005-11-16 [Albert Ciccio Obituary (2005) - Providence, RI - The Providence Journal - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQeW5GM09MRUxPdG54TEpJd09QQWdDSHhnaWNHdmxWYkJZb3kwSlliZG5hWDFoNDMxZkpIbGViMUhQeVh1WGU5Wms0dUJVZEIxZkVQMkJKWnVZTFRJX2NkemZnRzNpU0VFSDZoNFdWNy1NVUNmRzZzM3UxaUtReXBtRXItNFZ2UkJwMzdNVFhocUI?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24474 (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/26.json (key "24474", 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=24474
- 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