# NORTHEAST FAMILY
MANCHESTER, CT · NCUA charter 2709 · asset band $100-200M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northeast-family-2709

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated. 5,867 members of 50,290 potential (11.7% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 44.

**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 | $102.7M |
| Members | 5,867 (-0.6% YoY) |
| Full-time staff | 17 |
| Net worth | $11.9M |
| Net worth ratio | 11.6% (p52 of band) |
| ROA (annualized) | 0.53% (p43 of band) |
| Total delinquency | 0.49% (p43 of band) |
| Net charge-offs (annualized) | 0.45% (p63 of band) |
| Loans / shares | 44% (p10 of band) |
| Cash / assets | 33.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p28 of band) |
| Operating expense / assets | 3.14% (p34 of band) |
| Vehicles % of loans | 23% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p15 of band) |
| Vehicle delinquency | 0.43% (p42 of band) |
| Vehicle NCO | 0.60% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 4% |
| Average share balance | $7,714 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,202 |
| Loans granted, annualized | $14.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, leaning on borrowings |  |
| 2016-12 | 0 |  | net worth falling, leaning on borrowings |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 3 | net worth falling, leaning on borrowings | delinquency 2x band |
| 2017-12 | 1 |  | net worth falling, leaning on borrowings |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 1 | thin capital |  |
| 2021-03 | 4 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | charge-offs p90 |  |
| 2022-09 | 0 |  | thin capital, charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 | delinquency rising | assets shrinking |

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

- 2025-05-06 [Out-of-state credit union establishes CT presence with local merger - Hartford Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQemZVMmVfNXB1TmI0VWhBazNlZjUwQ2FMcFJ1ZHowN3pfUjZIOEpaTTNITDN0Z2pIVm5vUE1JZElxaHktT00zakRlN28wYUdMSHg3Q25SSzlvaVlWU2NFdUJxU3ZqR0RaVDUtTEJMX1I1LVFRUExZckRFVkhFT0lUU3l4RmlwQzdQdDdEUmdmMHJVRlVKWFhBdEEyNzB6X0FmNkM4MG1VSkk?oc=5) · Hartford Business Journal
- 2017-06-22 [Two CUs focus on lending talent, plus new hires, promotions and honors - American Banker](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOUEZHLVU3RjdGc2lhRkJhRzRqbEM0V1duRmxXaW84UnAzdDNNdkxVTjBhSnhtLUl2YTVGS0lYTzBPTjRWTXU5OFhlY3BnNGtfZnVNZkYzaXBzMGU5QUkyamdlNkpVbzU2QU9KWW9KZVlNNVEyQlVneU9zbWlVdzRqajdvLTNBM2ozcnlxWEJLM0VjNzhUUzdXMzBlMFI0Y1hYSjBJWVNMNEFrS1Q3MXhUNG01QldySGtf?oc=5) · American Banker
- 2020-07-13 [Dominick Moises Flores Gholston Obituary Jul 13, 2020 - Potter Funeral Home | Willimantic, CT](https://news.google.com/rss/articles/CBMieEFVX3lxTFBOMFp1aG1fZUpzYjRXT0NwbVc0dTdhTEQ5aC0wM0RlTF9kd0sxTGdoR0plM3hLRE1GUll6YnRwR01FRFhPMjdmMEgteS1DRWlSQllrMzBZcG9adzhISlBDenRLMmF2THdvVkhLU2lpVUdFa2JkSkpTQw?oc=5) · Potter Funeral Home | Willimantic, CT
- 2025-10-10 [Community forum on immigration in Hebron this month - thechronicle.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNZHo0aWV4UUdGZ2NST2lUeGROaGRUbUhQdm9VWkVSLWx2dmRiX2VyRDczY1pQaURqRWJLeU1CbjJXVjBHSTZqTV9ReVFhVzNoODVlNEVTME1jbEo1OWtSVzlKVnFVRExvUEw2N0xXRjVZbnljamtsYUtQM3lGS1pSQmFlUjFQemxyMlpROUxWTkxGUXRoNDVzcjhXOGFPb3RDQ0FUbGJoY241blFJT244a0tNMF9nb1dZTzIyclhpV2xxeVo5Z3pXYjA1N0tiUmpR?oc=5) · thechronicle.com
- 2024-06-06 [Carole Fiorita Obituary | May 13, 2016 - Hartford Courant](https://news.google.com/rss/articles/CBMieEFVX3lxTFB0WDJuT1pWQnR3ZDJ3SUpqZGVIc2tWY1c0SFhmeHFtZHVQa3VUWGFvdlJicnIxekNqVDMwRy1WUXBhYTFnazBrbWRTY0tkVENteGFBQ29MRzZoWEZIa3l4US1KMWVoVnduT1FiczJrQUJPdEJNQUQ5Rw?oc=5) · Hartford Courant
- 2015-03-09 [Police release photos of Windham bank robbery suspect - Norwich Bulletin](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNR0txRTJaZjB2ekwwTVNlMGIzU3k5VjJVeHpSMFFJYzhNUnVxUE1ySktMc0VRTjRuS0RuRm9Rd0M5VHIyQlVaQklTVDBvdTVCMjM2MDVIaExVR29nM09PcnNhcG9ROHdvMmxvWkgtQWRnVmNxU2dKT3VScTZwQ1RvSVlhTFhvSUtrTmdkbHE5dmgxelctTXFQMlZxb3NxallyaUNtZ2JBMVNwZ2s?oc=5) · Norwich Bulletin
- 2021-01-19 [Rockville High School Hall Of Famer Donald Beerworth Dies At 81 - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSHlIbVZIWlRaR2dKR01tanQ4UDBsX3NQWk5GTF9FUlNXR1UwSVVheHN4VTFwNXd6THNDaHhjVXJuMlA3aVliMTY0anJFT3Bsa2tXTWJuX1JPTHhQYlFIZmphWkhKQlhHV0ExVnVHRHpCdVh0eElzb0c3V1RZYmx5MXpaSmx4YXJGY2JnaGVRSGRVMHo2VnZodjVn?oc=5) · Patch
- 2023-04-26 [Herbert Charles Arico Obituary Apr 26, 2023 - Potter Funeral Home | Willimantic, CT](https://news.google.com/rss/articles/CBMiakFVX3lxTE9KZFdacVViOXU3NjVINnBLbmdRdVVlMndXN2EzNGh4S0xQSm9XWlRXZ1ptRlVqV3BIa2R5VkxOaVNlVlM5LURxQkNYbFZhTm5KRjlLQUJRLXNDNXB0b0JBbm5ELXRzWDFyQ2c?oc=5) · Potter Funeral Home | Willimantic, CT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2709 (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/21.json (key "2709", 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=2709
- 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