# WORCESTER POLICE DEPARTMENT
Worcester, MA · NCUA charter 24868 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/worcester-police-department-24868

Who the members are: federal charter, government (single sponsor), organized 1947. 1,268 members of 1,450 potential (87.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.2M |
| Members | 1,268 (2.3% YoY) |
| Full-time staff | 5 |
| Net worth | $2.9M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.37% (p40 of band) |
| Total delinquency | 0.20% (p31 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 87% (p89 of band) |
| Cash / assets | 19.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p40 of band) |
| Operating expense / assets | 3.59% (p48 of band) |
| Vehicles % of loans | 41% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.31% (p44 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 21% |
| Average share balance | $8,422 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $27,414 |
| Loans granted, annualized | $5.5M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | delinquency rising, loans>95% of shares |  |
| 2018-03 | 1 |  | loans>95% of shares |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 1 | loans>95% of shares | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | net worth falling | loans>95% of shares |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | delinquency rising | net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 0 |  | delinquency rising, net worth falling |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 | net worth falling | delinquency rising |
| 2023-09 | 1 | delinquency rising | net worth falling |
| 2023-12 | 1 | loans>95% of shares | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | loans>95% of shares, assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | margin squeeze | delinquency rising |
| 2025-09 | 2 | net worth falling |  |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 0 |  | margin squeeze |

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

- 2024-10-28 [(Ret) Worc Police officer Michael A Portuondo Obituary October 28, 2024 - Mercadante Funeral Home & Chapel](https://news.google.com/rss/articles/CBMijwFBVV95cUxOU3d0bzUxb2V4SWlPZnNpaEhLVnZkaGJUZnlMcDFQOXcyakVva2RDU01TbG1fSGpZeGRkLVExMmY5czlKNjVWcEI2RTNXQm53dEIweVFnMS1SWFBldzdwZ3haRVRpNDBHdzVldWFrSzd4dUVOOEw2a3lhandEQmJwZ2Q1VHV3XzZqbmx6bXBTbw?oc=5) · Mercadante Funeral Home &amp; Chapel
- 2021-06-06 [Funeral Details Announced for Worcester Officer Who Died Trying to Save Drowning Teen - NBC Boston](https://news.google.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?oc=5) · NBC Boston
- 2023-03-09 [Leo M. Tivnan Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBXd3RDemFNMFRxSTIwWXFxTGN6VXBxQ0NnanB0T1pEbGlxek1HQWtFS2dFSmNmY1ZmNFlzN0ozRnltYVlUN3JrX21RNFF0c0hXY0xBbDUxRF9yNUk?oc=5) · Worcester Telegram
- 2025-08-14 [Worcester Animal Control Officer Matthew Ohman Dead at 41 - This Week in Worcester](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWlNBaUdVSGhPTFJNaWtzYXplWTc3UTNHVmdtUkhSV1AwVkJJRV9MejZnb2RyV3RIX09qYTN0dk9YUlU3TDFpVjNKOHdneDJEalo3ZWJJX1hGX3BGSDd5ZEhzdU9FYTNCVF9fbjBpeXFPZDV3R19WRldjajNiZlNZag?oc=5) · This Week in Worcester
- 2023-03-20 [Derrick S. Leto Obituary Mar 17, 2023 - Callahan Fay Caswell Funeral Home](https://news.google.com/rss/articles/CBMiVEFVX3lxTE82Y2JpSUhlZWRtR2x1ajlxZFp1WGwyMXpGbm1NZExwRGVITHp0aW5Ga1VTUDBCdll1M2R6VTR0ZGEyV2IxRE01R2ZQeHdUZk5WUVFfbQ?oc=5) · Callahan Fay Caswell Funeral Home
- 2021-06-06 [Worcester police support son of fallen officer by attending his playoff baseball game - WCVB](https://news.google.com/rss/articles/CBMiowFBVV95cUxNbW01TGZucUNxZ05Bclp4cEpJZldmN19qX0E4YTg5OC1MNEwxMmRRQmVRa3dIWi1JOWNZSFc3Qk1JMDZzWHJEVkFVenlyMFItbEtrS1dfZDNnZU9HeWNDd2lVcUdBQTV1aWpRSEV0UTd3Nmx4RHNzVjZZcll1b0JQMVlGcE5fYmRhSEI4ZWdBRjd4SXNod2VPOUU0Mks4b0lYeWlJ?oc=5) · WCVB
- 2021-06-12 [Family & Friends Of Fallen Worcester Police Officer Manny Familia Organize Softball Tournament In His Honor - CBS News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdElqSEFZcVYtWFJnWHNCSVJvZlk2RDRNRGhnX01Bd0hiOVZtUF92OFpjeE1LWVlwbWl2dUUyLTYyZ1U1cGJzRGpCNU5aVmFIUU9xeDAyYzBtcnQ3cnpDbUJsaWlaVUFBZHREUDVZMHFjazlDN1BlNEE5U25uaFRHMjRPSHkyVlU4WloyQVZQYmxhZ0xEWGhLbFpDUW92TnZLWFZDOGZQSWrSAa4BQVVfeXFMTWdJa0ZaaXJwZXpkTWhnLV9UUF9ab3RReUpwQjVwSUU3TEpvRjR2bUpWcUhFVEc0cE5NUjAyWjJtb09Oa29OZHp3WU9ZNTR5MmFJSkFTRWRSblhqNGluMHBQaW5NdmFRdG12b1dKa0ZoYXlFTWpmUmtxM0NSUVEzZUVRak4wYUROMjRKU01EdG9RUXo2bzZmVGx2VXVxVEhGdmpuWUtHdGlnR3k5dXVR?oc=5) · CBS News
- 2021-06-07 [Funeral, Calling Hours Set For Worcester Officer Manny Familia - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeVBZMFgwdzBZSVR5dXB4cmpqUDhnZkhmYTZWTmZDcjJkNW5wdnROMmZYNGhvYkF5VGkxWEtFTURwS0x2ZWNSZlVnMUY5TmpobmF2RG5POGZpZ2xBZzFEcnJybks5dVRqNzdKNG0yVy04bHNLZjc5alZmY0k2MG5DTnVVY2g1N2NRdjJ1WVhqSDhRbTFvN01FbmRzNUM4YzNn?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24868 (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/36.json (key "24868", 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=24868
- 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