# COMMONWEALTH UTILITIES
Marion, MA · NCUA charter 24926 · asset band $50-100M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/commonwealth-utilities-24926

Who the members are: federal charter, service (single sponsor), organized 1926. 1,612 members of 10,000 potential (16.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $50.9M |
| Members | 1,612 (-2.8% YoY) |
| Full-time staff | 4 |
| Net worth | $7.6M |
| Net worth ratio | 14.9% (p84 of band) |
| ROA (annualized) | 0.78% (p69 of band) |
| Total delinquency | 3.53% (p99 of band) |
| Net charge-offs (annualized) | 0.24% (p67 of band) |
| Loans / shares | 24% (p3 of band) |
| Cash / assets | 58.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.05% (p18 of band) |
| Operating expense / assets | 1.49% (p4 of band) |
| Vehicles % of loans | 26% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.09% (p93 of band) |
| Vehicle NCO | 0.04% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 12% |
| Average share balance | $12,037 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,209 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band, delinquency rising, members leaving | charge-offs p90 |
| 2022-09 | 1 |  | delinquency rising, members leaving |
| 2022-12 | 1 |  |  |

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

- 2026-02-13 [TFed Credit Union celebrates the opening of their Wareham branch - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPN2Z6YVlVbHpaMzR0ZzlkS3NHYnItVWFadDFSRmtPWWhrWFRzMm5rY2ktQ1FGQmZOVHZkb2dMaDE0SkhHcERTa3VYQ1lOcW5BNUY1czBDd1EzbndXZW9hdTBTNUdYWlJJdU1GX1dhT0N0aDMxN2s1UENyYVVDS2dqc0l0Zmk5bzI0VEI5OU1HLUdic1FCMjQySFdUb254TmhyVTRCVmtvQng?oc=5) · CUInsight
- 2024-08-01 [Former Mr. Chris Hair Salon building eyed for Taunton Federal Credit Union branch - Wareham Week](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOSUNpTmxnaEo5RDFJT3lPMkZYRUZnMWNDRzRHNC1PT05VOUFMNE5rd3l5NndHNkdrOEFFaWlLOWhpY0pwSWZJQUhGcHBQZ0tEeTVhUFJrdEpaS3hpbDNheWhOTEd4cUphbmk1a1cxVVh6YmI3VFpIZzNjUTZSUXBCVkpmY0ppS0ZvZEN3LTZUZzh4MGZCUzU0UklLaFRoVHM2R3V2SnQ3cVNqdVBNWHdxMXNVV1ZnVnNlS29zRGVULVA?oc=5) · Wareham Week
- 2011-06-10 [Obituary information for Chad M. Barros - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMieEFVX3lxTE93cEh0Qk8yQVd2aXFGQUtFVExHSFB3eVNyNlFvSHZLdnVaMkZac1FIU1ZTUGdFOEZlQzZMQk5HYUpBVzZSNm1GS1N1eDNaNHdoSmZJdHRFdTB3NzlraDRudFF2alNZSUJHVWQyZk84a0Vrd0dGdENyNQ?oc=5) · Chapman Funerals & Cremations
- 2017-09-09 [Julie Crosswhite - Obituary - New Bedford, MA - Saunders-Dwyer Funeral Homes - CurrentObituary.com](https://news.google.com/rss/articles/CBMiUkFVX3lxTE4xNzliX1ExdmN3SEUyUEd2SlF0SHMySXRhaXlVNEVsS18wWWZxbEowcVJpLUVwU3BnLVBhdFhqci1MN18wM29STkVKNS05aXJJcFE?oc=5) · CurrentObituary.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24926 (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/30.json (key "24926", 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=24926
- 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