# DUTCH POINT
Wethersfield, CT · NCUA charter 60457 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dutch-point-60457

Who the members are: state charter, organized 1960. 24,456 members of 2,197,133 potential (1.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $560.0M |
| Members | 24,456 (1.2% YoY) |
| Full-time staff | 75 |
| Net worth | $58.2M |
| Net worth ratio | 10.4% (p50 of band) |
| ROA (annualized) | 0.96% (p71 of band) |
| Total delinquency | 0.16% (p7 of band) |
| Net charge-offs (annualized) | 0.18% (p19 of band) |
| Loans / shares | 59% (p11 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p20 of band) |
| Operating expense / assets | 2.88% (p18 of band) |
| Vehicles % of loans | 19% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.36% (p29 of band) |
| Vehicle NCO | 0.24% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 41% |
| Average share balance | $8,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.3M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,204 |
| Loans granted, annualized | $162.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.3M outstanding purchased (19.5% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 7.0% year over year.

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | losing money, margin squeeze | delinquency rising |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-06-11 [College money management with Dutch Point Credit Union - fox61.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQT01EQXhUVG1rd0FCeHdQeTZzZDZmYWhxS19uSXdudTgzTmQ3amlyNXg1MXZyd0JJa2Q3S2VWenBmSElKYW1jWVdtVlRTZklDbS1mc3FyQlBfcjdXWC1TbU9VS1JHblZSaS1faFhkbW5xckhjY1lpMWRKY3l0SWRBWHptVXlSWFBVZEdGVnJ4c05KR1pwWUFOYTFSX0JrWEtycGcwUUdsbTRfTWJzdjZRNE9uZUU0SWRZSVdGNVFKVGx6M2Y5MjRobA?oc=5) · fox61.com
- 2026-05-20 [Dutch Point Credit Union - wfsb.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE4xYVB0eUotT1RaMVl0TUltUXZ5bzR1WlZKcUpDN2QyYkE3b1oxUGJEdGg3MGRpRlNlaHJVTWRoVHN5SmhSUnNsRlVfRW9oM0lvanpSeGtKa0cycmdYR0lnYVFQS1NJX2hrMk12TUVwNzE?oc=5) · wfsb.com
- 2026-07-23 [HIGHEST HONORS: Newington student recognized for academics, leadership, potential - The Bristol Press](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOMmUtQUJvUE5zaTFFUy1oSUo5NDBWTk1PclFoSGhia3dpRlVweGZ4dUZTakgyTlgzcm10RlZBSkVQSHcyY3hjdGJHX0lLX2NlQkpuaTZxV2puU29rZll0WDBBMkdqbjl3VWN5X3BrZnpMc0FCTE5BVnA4ekg3N1FHbFlsYXpmZjg3V2FLNXZBVFo4cUtUdmRPanNqUHkwYnpTeWdtaUM2d25pZGpncTB2N0E3WnpQV2RjVmVFT3ZMRl9EU1RSTkQ0ejFTR3hHd012WnlmWFJ2YUxOT1V6VGsycUVDQTE4b1M3LWZxV2hQeE5jNXZm?oc=5) · The Bristol Press
- 2024-05-13 [Dutch Point Credit Union - Hartford Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5wajl3cVNNNU1fWnRtVW1BZHpycFVFX19Ibkt3bmRhMkUtbGxtSUo4eFBPN1hDSVJQOFdCNmNkX1RObjlLd1Zoc3VXQ05oVHVBR2RDRzM2a2NRSjM1aEZMclNXU2NYZVpfLTJZcGJyUQ?oc=5) · Hartford Business Journal
- 2025-07-16 [Major CT credit union opens new branch. Officials say it has ‘state-of-the-art banking amenities’ - Hartford Courant](https://news.google.com/rss/articles/CBMiygFBVV95cUxNMkUta2c2alRsVm51ZWk0aS13Y0dobkhSVmRPemVkSEJjSmhBOC1RNUVjUHNWV3VkSVVXdjVKajdJUnNvOW0tVG1PcVBqbUdxdTFiZFoyOElGcU43WUo3bWJxc1dNWC1aS3pSQXJpX2lCaFVLT19LUHpIMjNtYlJMdl9uUW0ydWo1ekVCazVJbkRJNFNId2d2bno2VkJIaU1ESzFjcVpLRldWTFI4M1k0Nk51UDZ1WkFfLTJrV1pMdkNvVlhwQkh3RXJR?oc=5) · Hartford Courant
- 2021-06-30 [Dutch Point Credit Union announces retirement of President and CEO, Francis R.N. Proto - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOeV9hMUo4V3ZYdzdkU05ENTlQX2t3QTZmNks5by0zZF9zRmVMZUFqU0RFYmJ5dk5BV1hkWTBGeHZlTGw0NFdIUVNybzZpTUFiNEpQSGRmZ3lLMGV2VnV2NmI3ckcweFdUWTA2b3pENUFINFliNjFtZWxCQzdqSmZvNFRPYmhwQzRNYzFxTS1xN0ZsTDgwUnd1NzhFeHJra1VUN2lWOHBVZ1Q3OXNjQTdhS2RFcDRqQTczSG5rMzlDS1Bod28?oc=5) · CUInsight
- 2015-07-31 [Dutch Point Provides Financial Skills for the Wethersfield Youth Employment Skills Program - Hartford Courant](https://news.google.com/rss/articles/CBMixAFBVV95cUxPTTlVazVoRVBEd3EyckwwTDBkYllEN3ZYMnhCTkh5QV81OGJpeF9tTUtuRS1rTDd3ZFhoWUlEU2RiaTZUOVB2VE5Jei1meEp5bXc0Q1RMbTktZENycTdLN0FmTTdLZTZLblFXeUdRcy1GOTVpQmxUQ3RnOFRsM05IVnFFYURIVy1neVJwRlRTUVJoYnNNajNNemJsX3lNSzFZX1gybzN1c2FrVnN3dWo5X3I4NlFpSUxnTVlvV2gwNzZtZWxh?oc=5) · Hartford Courant
- 2022-02-17 [Obituary information for Sally-Anne Lamanna - Carmon Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdXQyQmhzUjd4V2NtTHZMWWozY0RvTWtzVGE0QTlMaUF4dWJuNUFGbUxGVUM2WUlTSENpWkZidlZrME5sZTVJd29rV2VxSEZWVlQzcEtzdkNSZ0dBM3J3Uk9yY2dhZ194UklFazliQzJJOFgtaHNGRkpaY196OWR1cjdtZw?oc=5) · Carmon Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60457 (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/41.json (key "60457", 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=60457
- 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