# WELLNESS
Hartford, CT · NCUA charter 24786 · asset band <$50M · latest filing 2024-03 · stopped filing after 2024-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wellness-24786

Who the members are: federal charter, service (single sponsor), organized 1955, low-income designated. 4,601 members of 632,205 potential (0.7% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.3M |
| Members | 4,601 (-6.2% YoY) |
| Full-time staff | 8 |
| Net worth | $3.1M |
| Net worth ratio | 10.3% (p25 of band) |
| ROA (annualized) | 1.34% (p77 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.30% (p71 of band) |
| Loans / shares | 62% (p52 of band) |
| Cash / assets | 24.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.83% (p83 of band) |
| Operating expense / assets | 5.53% (p89 of band) |
| Vehicles % of loans | 30% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.11% (p37 of band) |
| Vehicle NCO | 0.00% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $3,192 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,683 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 4 | losing money | net worth falling |
| 2017-12 | 5 | thin capital |  |
| 2018-03 | 5 | assets shrinking | losing money |
| 2018-06 | 6 | losing money |  |
| 2018-09 | 10 | capital below 7%, net worth falling, charge-offs p90 |  |
| 2018-12 | 9 |  | delinquency rising |
| 2019-03 | 8 |  | charge-offs p90 |
| 2019-06 | 9 | charge-offs p90 |  |
| 2019-09 | 10 | members leaving, loan book shrinking | net worth falling |
| 2019-12 | 10 |  |  |
| 2020-03 | 9 | margin squeeze | delinquency 2x band, losing money |
| 2020-06 | 8 |  | assets shrinking |
| 2020-09 | 8 |  |  |
| 2020-12 | 7 |  | expense trap |
| 2021-03 | 6 |  | charge-offs p90 |
| 2021-06 | 7 | assets shrinking |  |
| 2021-09 | 7 |  |  |
| 2021-12 | 7 |  |  |
| 2022-03 | 5 |  | loan book shrinking, assets shrinking |
| 2022-06 | 5 | assets shrinking | margin squeeze |
| 2022-09 | 2 |  | capital below 7%, assets shrinking |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 4 | assets shrinking |  |
| 2023-06 | 2 |  | delinquency rising, assets shrinking |
| 2023-09 | 2 | assets shrinking | thin capital |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |

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

- 2026-04-15 [CT LIVE: Nutmeg State Financial Credit Union's Merge with Crosspoint - nbcconnecticut.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNUE1nUzJ3Vm9vdVFJWGxpMlUtOWc0WmRPWVRoazYwMFlJbkhMY3N6R1pFNEhrRlVkLTdIZ0ZqcTV5dnBQZzlaYy03MjdRbXVJNEpGeW56LUlDbWt4TUdUOG91SjRGMkYtRUw3bHd0WGthWjRxcHBqVlBnUmFraGE2cldDaTJ4aF9mc0xsMmZLcHR5RF9jNXNsMmRqbG55ejBaVHo4aEZTblBwM1dKQlI5R21qYm9jUzVaZW5oR0ZlZXpkbnM1TDY3S1lxa2lUUW_SAdcBQVVfeXFMUGpzNTNMMjU0UjhRWmM5RmtGT2RiWW5MaUROalFvN1VYVG92RWxxQnlQMXlLSFZoMUFDU3lTR1o1SkYtZF9RbzhENUR6UXJTNmgwVXdaQVZKYmJyWEllOWRCVXVPbzU0aEowd3VRT2xWYnNQT2I2ZFp2SlFEM1I5S2I1Y2NtaU9Id3NDQXQwVzVwdHpJUVFyUnlkdmJybGZTY1ktenprNmYwdmlrREc2STNSUURpM0FDRDZvODVnaDE1YWd4bVlMMjZEMUluZGVUcGpfSTVOcXc?oc=5) · nbcconnecticut.com
- 2026-07-20 [CorePlus and Scient credit unions reveal new name - Norwich Bulletin](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOTXRoMlVrM3hzUjAxa3lyeVVOU1lfV3JRakFVT2c0dTg3UGg5MlVDMHhzdnZlQ1RudWVKaU1UNFVjanIzMTdmbTlocXVvZHF4djRYM0hPbHBjZWhTV0hwb1VQQ3hSYmk4Zk8xUnNwR1NIT0M3NFNZM19TcXR6TVUtem1Qem94Wm5FTmpTTTVYaUVnWHFFa1lkdTZNQ29ZdFRWazh1aGFhUHF0UzZKOTE0cFQ5LXBsQ0lTcDA3MnBZUm1lU3dEMnpNQl92SGgxRk5mSFJXdE9FXzN4cVlRS2tGWDZRSmdyRHZTOGFV?oc=5) · Norwich Bulletin
- 2026-04-13 [Pay & Benefits: Setting Target’s Team Members Up for Success, at Work and Beyond - corporate.target.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMklSRkhuWXd5alZKMnUwckNpbWtNZkVWY2lFRnBLLUV6NE81aS1TVzdzdFRXNnc2eVU1anBCRnNzZnJSR1BEV01lclprWVdseE0yVy02NUY4RXdReDVpNWxQNmhjd1BHZklYUEplSDVsalBnWDR3UFNFVVlidmF4SllQSQ?oc=5) · corporate.target.com
- 2026-04-07 [Patelco Credit Union Earns National Industry Honor for Financial Education - EIN Presswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxQYzNjNHZaR0Vwdk4xUTNzYlhCaTk4UFFOU3VUQVZwV2M5NlhnSHVOZXZPcnZTX0JDRlloRFZEY2d3Sm5BZlBXS2hOWGxNRHlURkpkbXRxcV9VWnVFd2RqZEc5VDRGLVF2c1hvWnFRcDZqSnl1Ujkzd3RBQzhKblVyckRtYlBnS1FXazJyaFIyX3RUUkk4VkZLS0dNR29TUnFnQnpoM0pKS0E4MndyVUpyc2V0NTRKT05yUEI1aGVB?oc=5) · EIN Presswire
- 2024-02-21 [CT’s largest credit union seeks merger deal with Hartford-based CU - Hartford Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOWMxMlo5eEVxX1RvYW5Cb2QtX1BIVElfWVBUQUpSUUhOeFJSREpsYUlpSkVNZFNRdnk4U1NZb3dmYkFVNzhSdjlRRlZYQUVQNjZlWkFsdFZXWTgwVEpDZDhVcllmeHBfaEt0WERCR2h2X2tDU0tPWHQ2dnExVlp2VVQtanNhZWUtUG11czlDU3JadkRyeGtJaVJWa3pwbVlHaTNFanV3?oc=5) · Hartford Business Journal
- 2024-02-22 [East Hartford-based American Eagle Credit Union seeks merger with smaller Hartford credit union - ctinsider.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZkRuVW5kTE9KNUtiLVRYT29ON0lKQVpKUWxrYnlPUU5lamhad1czQnpaT2o4S0szek5LMDFuNHhoQWxZNGYwY0VUN3ltSDRpOUx6TjVMbWdpNUU5ZVBPZzRDaDV4ckdCWWdDakRMaEYySWVIai1ONWdaMFU4LUJEZnNxNUN5ZU9ON2NMdGsyWm5iTFhoTWFhcHdQLWlReUR2b1A4?oc=5) · ctinsider.com
- 2025-09-11 [Sun Belt Partners With Credit Union 1 as Official Credit Union, Title Sponsor of Sun Belt Football Championship Game - Sun Belt Conference](https://news.google.com/rss/articles/CBMitwFBVV95cUxPZGM0S2NtdGRaSHU0MlFyLUtZMnotcndSSk4wR3lCYjFOeXRMZnQ0ZlhreHg0YXdVYk1xa3o0dE8yejhLWlJPTWc5andvd0JFRHFwSGJJYnZ3S2pWeUdrTWZBSjBLb2lsWXVKbW55QzZaaWd1NzlvNnV0RFowVWd5b1V6QUI0ZVlKb2toNWNnUHF4Z01SOEg2eFhlV2dDSFM1d2FyVTBDdk8wcUJjNjVpeWdJVVF3NDA?oc=5) · Sun Belt Conference
- 2026-03-20 [South Windsor Officers Bike To D.C. For Fallen Police - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbkJFU3dQSjZvemN4YzVoZXRBVGRNMVZpSUxPUTg2SHdUYklXWmZ6TVBnZXczOF9VVW5ic05HZUF5dks3MkJ4WWpnOG9oZXdjR0ZPTTFQZlVDakxlYVZic1hSSEl4WVphcnRZNHpqbXVDZkt2VlJDcmZoU2Y1cW9nbENmRjQ1N3N2QTFsWnh6dmdkZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24786 (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/18.json (key "24786", 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=24786
- 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