# COMMUNITY HEALTHCARE
Manchester, CT · NCUA charter 60247 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-healthcare-60247

Who the members are: state charter, organized 1959. 2,386 members of 35,000 potential (6.8% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $18.2M |
| Members | 2,386 (0.9% YoY) |
| Full-time staff | 3 |
| Net worth | $2.0M |
| Net worth ratio | 11.1% (p24 of band) |
| ROA (annualized) | 1.07% (p72 of band) |
| Total delinquency | 0.45% (p42 of band) |
| Net charge-offs (annualized) | 0.66% (p79 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 35.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.35% (p91 of band) |
| Operating expense / assets | 5.20% (p81 of band) |
| Vehicles % of loans | 48% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.35% (p46 of band) |
| Vehicle NCO | 0.57% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,728 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $9,759 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band | expense trap |
| 2016-09 | 4 | expense trap |  |
| 2016-12 | 3 |  | expense trap |
| 2017-03 | 6 | net worth falling, margin squeeze, delinquency rising |  |
| 2017-06 | 2 |  | delinquency 2x band, net worth falling, margin squeeze, delinquency rising |
| 2017-09 | 1 |  | auto monoline |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, delinquency 2x band |  |
| 2018-06 | 1 |  | net worth falling, delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | thin capital |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | capital below 7% |  |
| 2021-06 | 4 |  | net worth falling, delinquency 2x band |
| 2021-09 | 6 | delinquency 2x band, auto monoline |  |
| 2021-12 | 5 |  | margin squeeze |
| 2022-03 | 5 | net worth falling | delinquency 2x band |
| 2022-06 | 5 | delinquency 2x band, delinquency rising | auto monoline, net worth falling |
| 2022-09 | 2 |  | capital below 7%, delinquency rising |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 3 | delinquency rising, assets shrinking | thin capital |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | delinquency rising, assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | charge-offs p90 | delinquency 2x band |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 2 | charge-offs p90, loan book shrinking |  |
| 2025-12 | 2 | delinquency 2x band, members leaving | charge-offs p90, loan book shrinking |
| 2026-03 | 0 |  | delinquency 2x band, members leaving |

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

- 2024-03-04 [Community Healthcare System Unveils New Name: Powers Health, Reflecting Integration and Advanced Patient Care - GreatNews.Life](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNYmNuOUw1QnJDUGUwSjBnZXBMTFlTbElmWG1xeDVrWjRpcHpkWUVCcVI1dUtSOUF4ZVF6czlSTU9Ua0F0WlN6NUZBbnR6VXBuOG9mRE9KdVo5OGJoSXRVbDhnSUIwZTBXT1kzZWxVLW5GaW5maFZBRmFWTERkcVQ1bDdKSFYyY1Q2MVNQMTRzZ0U2X2d3TmI4NDBCRmNiTFNIU05JUVRFRDdqRUxIQWZFVWc0emRJelFaTEJ1eXlGOEJNN1UyUlpKQW16emR4Z0FlbWVPWXNB?oc=5) · GreatNews.Life
- 2026-08-03 [Photos show WFISD Foundation hosting Project Back to School - Times Record News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOc2V0Tmp6WENNcUdMQk9OT3ZqYkg1di0xbnlteTJsU05aXzlfZzhDQ3lOdWNnby1TcFh5QmxlUTNhRHBodXluc05IS1FocEhySlQzRnU4WjR6ZE1lR3AxUDRpOVFlbmFBQTUzTWpCZ2NXUkhhN01GOXlIQUtPZzQtNmh0bWxWZWI2LXRTdjVmX0g3RlFDR3BJdmZDVXZPWS0wQkg1TTNWMm5JbWhxSTVSM3FDem8xdV8zYzN6bllnanFRS09kd01GUW5nRGlMVzk5OVpwVg?oc=5) · Times Record News
- 2023-10-14 [Lakeshore Humane Society selling 1976 Corvette Stingray to raise funds, and more news in weekly dose - Herald Times Reporter](https://news.google.com/rss/articles/CBMizgFBVV95cUxQU0IyTzNqVXdDTU1qNUl0UUwzdU92Q29aNUxuNDlKYkkwVl9vd3lZalZkVFB1QzM0Vmg1cy1DTG1NV2pxUVhjUklEeUhTNWJ2NTB5aUlFeU0yMUFfWGlyZ3FyWkcwNHhZTHA1RjgtMVBVUVJMcVdfaXkxbVFScWlPN2EwbG5iclJtMVl4WFBSdXI3ZzJvUlJmM2lfOTc2M1J3OE1uMDVmVGtkaDNESm5VTVlnN2lRZkZTZ2FXTTdPRTlfemRQNGppSC1aQkhGUQ?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60247 (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/23.json (key "60247", 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=60247
- 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