# METROWEST COMMUNITY
Framingham, MA · NCUA charter 4731 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/metrowest-community-4731

Who the members are: federal charter, community charter, organized 1941. 7,000 members of 20,000 potential (35.0% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *ordinary*. 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 | $146.5M |
| Members | 7,000 (0.0% YoY) |
| Full-time staff | 12 |
| Net worth | $12.6M |
| Net worth ratio | 8.6% (p10 of band) |
| ROA (annualized) | 0.50% (p37 of band) |
| Total delinquency | 0.30% (p23 of band) |
| Net charge-offs (annualized) | 0.10% (p23 of band) |
| Loans / shares | 52% (p20 of band) |
| Cash / assets | 38.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.14% (p2 of band) |
| Operating expense / assets | 1.96% (p4 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.74% (p59 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 52% |
| Average share balance | $11,220 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $16,715 |
| Loans granted, annualized | $7.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | net worth falling | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | members leaving |  |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | thin capital |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 0 |  | thin capital, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | net worth falling |  |
| 2023-12 | 0 |  | net worth falling |
| 2024-03 | 2 | losing money, delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | thin capital, net worth falling | losing money |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | delinquency rising, net worth falling |
| 2025-12 | 2 | losing money |  |
| 2026-03 | 2 | net worth falling | losing money |

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

- 2026-07-15 [St. Mary’s Credit Union completes merger with MetroWest. What's next - MetroWest Daily News](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOS3lnZTNFZ1JXMkRfOGk0YWppUW1UQnhTTUNtWERCX0V0VGNNMHVJeUtoVWZ2R0QzSnh0emRyeXI3Q0pwNmVWZm9acVNvUGRCenRHME12ZDRLd1R5aW1ZbVM2d1hqM2pDamlwVi1wRjNjU1JYbjNZc1NSaHhhVnpGcU0wa0pDcmRGVy1BWDJEWG5ZYVJvUlVLTFZfRHh0Y3dlNVA2a2dGSjVYLW1BaUl3S0FVdXhZVHBpMWRFSXZYOGVqaWVNUjFwb0FpWUJ2Q0E4NU45cnBFcjhuenRjNEVuX0p1a2phdDR6bHhJelNiU2VFazdfN1N1U056czl4aE0?oc=5) · MetroWest Daily News
- 2026-03-13 [MetroWest Community Federal Credit Union Data Breach Claims Investigated by Lynch Carpenter - GlobeNewswire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQcUw3T1I0SDBiTWhYV2FzTXdad1R2aGFPMzF3NEdjcnN4LVVhS2RlekdtR2E2Tm5BSWRoNnhyenRxWVRqM2U4ekRwakpEVi04eW0wU1ZqcDB3bnhvQWRRUVhtRWNVcFlPbG9BZU1FaWV2RnRzRXo3bEN5WkFMczYxWXFWVmRoUk4zWWFwZm1ZQkRxTm8wWHJUUzhmZkNycWI1YzAtUXdieXRTeGU2Yl9OX2Y3VWNOanBqMHBFdWRlOWhoTTNfaHRlNUlQeVlCMHl0M0hTblU4VmxmVXJxZG9rdkdoRzNyZ3FvVlVIcjlwSG9paDh1dGc?oc=5) · GlobeNewswire
- 2025-12-30 [MetroWest Community Fed. Credit Union Data Breach Impact Surpasses 20k People - Claim Depot](https://news.google.com/rss/articles/CBMijAFBVV95cUxPeXBuWjh6LUZfT2ptMGpOS0lOMzVRNUgtajVOYVNMTlZUNzdOZG5DYml5YktJYTdvOEMyVi1uSDFONHhFNzFLZE5jQUN3VHI0TDhuQW9VRWdFODNacjRqcFZyV0c0UFQ1b1hIblJEeXBjek5FY3hPUzZaUFB0MC1JYy1zTzNLWFV5S3pncQ?oc=5) · Claim Depot
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2025-08-15 [MetroWest credit unions to merge, the latest consolidation in Central Mass. banking - wbjournal.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQTlBRN1EzMVJUVHFCWHIzRms3WG9YZWpPdERORGRBQ1cxU0tzdFBkQURuczFhbGdGZFA2QjU1U21UYk5YMDhCN1VsSDlLR19FNEQ3WHc0dEJCVVZZaFR0WTl2V2U3VVd4czFPWUQ1TWJkMEJXVVE0NzZBRElqZFpoQ203RXZ4NTQxdlZBekNEc042Q0NaelVmajZEaU9abE1pdGNKRkNKQXMtUHRiazlfY21n?oc=5) · wbjournal.com
- 2026-07-02 [St. Mary’s Credit Union completes merger with Framingham firm - wbjournal.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMVE4Q0c4c3l3VldDUkxBa3BpQXZ2Smo0UWZxcFMxam9aWXlMNDdGUnhWWEtvSkIxV180NGVQMkE4MXJkUmpkT3NMbUk5Mi1BaFdRcnNoS3Jvc2NGX2RuVzdZQmFFWTBOb2tRNmNMZGVfUU1rQkJqVm0zcTBhaEhJZy10OElROWJ4VjhVOU8wSkRDa3I0?oc=5) · wbjournal.com
- 2025-08-15 [St. Mary’s Credit Union & MetroWest Community FCU Announce Merger Plans - CUTimes](https://news.google.com/rss/articles/CBMipwFBVV95cUxNYkwzbG1MS29FaG9jbHJwRV9Bc0c5eGQzNFhBRjhORC1OUEN4V2Ywc2drYUwxY3hSUHdnbjd4VWRTWDhZLVNscVNSb0xkUXNNTXB4ZWhBTFZsZ0xtSnZsUjBGbHFjMkxVM2Y2OFgtdHRPajNId3gtSmt4Wk9PdHhOR2xQeEJTU3RiVTdqTDY3N0I3M050UjFQRGJvZTJZUXNrLW90UXFjQQ?oc=5) · CUTimes
- 2025-08-15 [Marlborough Bank To Merge With Another Central MA Bank: Report - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQnJWTkxRRUxxYVdaM1JJME1ILUJmOU53RURnWlNGZzJoQkVuZmQyMmdUU0d2SmVtcFVHWUJKdHExN2VJRlJWQ1NaZ2Zyc2FZdjZlWUhlMlIzdXozNHhmNElpZURXdFRFMVMxTFY2cWhGM040dkgzR3BpTThNdlJqWjlNY3kzVmxLd3poYzdOTmNiMnV5?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4731 (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/59.json (key "4731", 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=4731
- 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