# BLACKSTONE RIVER
Woonsocket, RI · NCUA charter 24523 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blackstone-river-24523

Who the members are: federal charter, community charter, organized 1961, low-income designated. 4,290 members of 100,000 potential (4.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 178.

**Verdict on the desk:** this could be *auto monoline*. 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 | $75.3M |
| Members | 4,290 (-1.3% YoY) |
| Full-time staff | 11 |
| Net worth | $8.3M |
| Net worth ratio | 11.0% (p31 of band) |
| ROA (annualized) | 0.83% (p58 of band) |
| Total delinquency | 0.88% (p67 of band) |
| Net charge-offs (annualized) | 0.08% (p30 of band) |
| Loans / shares | 44% (p19 of band) |
| Cash / assets | 49.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p45 of band) |
| Operating expense / assets | 3.18% (p37 of band) |
| Vehicles % of loans | 60% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 37% (p73 of band) |
| Vehicle delinquency | 0.08% (p15 of band) |
| Vehicle NCO | 0.03% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 20% |
| Average share balance | $7,710 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.8M |
| Loans outstanding per 100 members | 178% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $3,833 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $1.9M and sold $0 in the latest annualized quarter; $3.8M outstanding purchased (45.8% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | net worth falling, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 2 | loan book shrinking | thin capital, net worth falling |
| 2020-12 | 2 | thin capital, margin squeeze | delinquency rising, loan book shrinking |
| 2021-03 | 4 | net worth falling, members leaving |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling, members leaving |
| 2021-09 | 2 | members leaving |  |
| 2021-12 | 2 | delinquency rising | members leaving |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | thin capital |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | net worth falling, delinquency rising |  |
| 2024-06 | 0 |  | net worth falling, delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | auto monoline |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2020-04-25 [RI Banks and Credit Unions Step Forward With Pledge to Help Homeowners Facing Economic Hardship - Go Local Prov](https://news.google.com/rss/articles/CBMisgFBVV95cUxOLUM5dFFWZGVWanpZMjlWbjdVXy1KQ0xmTERRclRuVHdNT05nQXJaaHhfa0VCZUVDMGYtalcxQkYtaTVxMlRFNnNjdFVyRGEwS0RJR3hDV053Nm1mUTAxYzBPUGJneGszQTZkbnFadVJjblJXenlQRnQ0Vkw2THRSbUszODNUQXFIT1RIR3VCeG0wVkFZcXcxZGQ1WUZLRkV1UHJXbnM0Y1hHOVJINUgyWHl3?oc=5) · Go Local Prov
- 2022-09-14 [Obituary information for Jo-Ann E. McGahan - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMifEFVX3lxTE1EQUJKeXUwbVJjODRxbjl0R29QaC1adXRMQzh1SXhqNWJWa05MWFZ2cURLbkxnbFpBbjZFclR0Q01QWnV2THZvX083djJ3UmpnRDVUY0kyMDFjeFZJMDEyaDhvMnF1SjZ6Y210elNiX0FTNlVPbi1MMkZvNEE?oc=5) · Chapman Funerals & Cremations
- 2024-01-21 [Obituary for Louis H. Lamoureux - Holt Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBjS2xzNXRZZGVnTG5PU2VkNHJVaFBxRVFxNUt0VnlScXdpcEoxYVJPTjlBdEg3czBRTzJqcFRwUHh0anJVUEpsaGRlbW1GSk5jSlpyN1NrbkpsQVE5aFRMZ0RpaDQ5MGc?oc=5) · Holt Funeral Home
- 2016-11-06 [Housing by team effort - The Providence Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOR21RZE5HTV9Hazl5YjVna1V5UVp3SlBINHBIU2ZCZWJiY2laVng5XzZWaGU0TUY5VXRRTWhQV2xYTXhDQmtPODlIR2Y0ZGJ5VmFQOWp0dDl5dVZONFBYckZtNi1UQXMwclRPMzNKZ3c5SzI3a09OT1FyclVkVVlDY2ZuRXJHb25BSjJPT2paTDQ1TlR5OElDYWR1Q1VtRjd3RFdGOGdrZnFJaUF4NEZEc0hQbHlDYWVnbXNlZXExQmJRWDlNWDAxaVJvMDJVbGg1N1JKVzRn?oc=5) · The Providence Journal
- 2012-10-01 [Woonsocket Teachers Guild Wins Silver In Greenway Challenge - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxOSUladGdtRmlXUXFCZUZsc3dTazFxT1ZvU0h6VHpFdHZoTWZqSWc0QlhkY2hXMl9EU3dDbUI2UUYxaHJqRlJLMVpnX3dBdUF3NXlhcWhncURQTnktRm5DTURTMXU1M2k5aXlLbG1leHNBS2dUU1B5X05Da0VDRFpxM1hiZWVnd0NLWTVBM0p6U1ZJdWk1NldNVFRnZ3pCQ0lQMmFz?oc=5) · Patch
- 2024-01-23 [Louis H. Lamoureux Obituary (2024) - Woonsocket, RI - Holt Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOakM1Ty05dVR3ZjBQSHdnOUdjNDRlVDJWb0dsN2ZNTDFZc1ZKdHFfRXpacFFkRl9hZ0t5eFlfdWctQU5HeFJ1R0FJYjlYSzM5WTlWc3JsNTJOU2dXR2VRWFNHNTFSNXVBTjhqbWRfUklWS1FpUE9ZNlU1NHhnZTF1NXFJaXc?oc=5) · legacy.com
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com
- 2013-05-07 [Woonsocket Police Arrest Woman for DUI, Four Kids In SUV - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxQaTdEcm9LcG5HRkU1SlZnakNsWFdpZ1FpbkxjMnU1dWNPZEtCUUxxT19LQmpPS0FpTW5ZS0RFSFRlYm5WYWZ4SzZTY0JxY1FZdVNlb085NXRCeXZCMHNveG52NkxBY1pOWng2WHZzQ0hPZjVTc3VWMExvVXc4UDRoTWdxekxtbGJqRTl0ZkJsRDdBVDNnQTJWdG1oUVNBUQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24523 (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 "24523", 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=24523
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide