# 802
Barre, VT · NCUA charter 62983 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/802-62983

Who the members are: state charter, organized 1953. 42,126 members of 863,628 potential (4.9% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *fortress*. 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 | $500.3M |
| Members | 42,126 (13.1% YoY) |
| Full-time staff | 130 |
| Net worth | $62.3M |
| Net worth ratio | 12.4% (p76 of band) |
| ROA (annualized) | 1.19% (p83 of band) |
| Total delinquency | 1.26% (p88 of band) |
| Net charge-offs (annualized) | 0.34% (p43 of band) |
| Loans / shares | 87% (p69 of band) |
| Cash / assets | 20.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.93% (p98 of band) |
| Operating expense / assets | 4.48% (p86 of band) |
| Vehicles % of loans | 21% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 57% (p39 of band) |
| Vehicle delinquency | 2.25% (p97 of band) |
| Vehicle NCO | 0.86% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 14% |
| Average share balance | $5,412 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $19,529 |
| Loans granted, annualized | $89.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (2.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 16.9% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | members leaving |  |
| 2019-06 | 2 | net worth falling | members leaving |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency 2x band |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 4 | thin capital, delinquency 2x band |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency 2x band | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | thin capital |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | 3rd-party paper>100% NW | delinquency 2x band |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 1 | delinquency 2x band | 3rd-party paper>100% NW |
| 2024-12 | 0 |  | delinquency 2x band |
| 2025-03 | 1 | delinquency 2x band |  |
| 2025-06 | 0 |  | delinquency 2x band |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | margin squeeze |  |
| 2026-03 | 1 | delinquency 2x band | margin squeeze |

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

- 2026-09-01 [More than $18K stolen from Vermont ATM, police search for suspect - WCAX](https://news.google.com/rss/articles/CBMic0FVX3lxTE5qZHgta1h2Wnc0QXRzT3poM3pPWXFsUHFoRVMtaTNSVWh6LVhUcXRjNlBfa1FEY2p3NFhXaUJKZ0FadGZSWHMzZl9zdTk3TXBiM0FacnJ5aHdjeXZzT3d3MkZqeF9xbDhwekJMb3hfWXlFakHSAYcBQVVfeXFMTW5ZQWdDNWI3SnRmXzNTSTlUY09tZlNDOWtxSFpWbXlQR0VFOURkTnFZZ25PWjIzMFpzMXF3c2xnT3NaMDllVUktOS1qM3Fyb3JVUWJzd24wUmJGV3E2X0dtN3dCSDhXR3FhTWxCbXpPZXg0SjRGdm45dkJDUkJMUjlERmh6Y01Z?oc=5) · WCAX
- 2026-09-01 [Man stole more than $18,000 from ATM in Windsor County, police say - WPTZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcngwU1ZRWExGZlJocGlNc1prRm0wRlI0WnpCWDJPaGF1a0JJSm8wMk1hTElvbzRkN293R2VTZnhOb2RpSHRqZGhCMkdUUE04MkQ0MVJyaVI4RFVqX1hwekxVVEhBSjBoT2xCU2ZVRm14Z3hlMnFGMy1MWjdrZU45cA?oc=5) · WPTZ
- 2026-08-31 [ATM burglar steals more than $18,000 from Rochester credit union - Vermont Daily Chronicle](https://news.google.com/rss/articles/CBMingFBVV95cUxQWmxqeWp4cUdWVWJUY00tRlFZRmQ4YUJQeXV5XzFabkVTUkJaWEJLaW1NUG8xRGNzUG9UcUZ6b1RBTHVoZFJzWlE2MDZvMTRfRjVaOG42SXBsZEJMRnZxMkpuaUs2UXhKaEZMQUFvT0dZMXhBbG1uay1lZTB1WU5tdWFFLU05Z3AyNnBSUlFjdTdjcHh3UVJ6Y2FhT0FPUdIBowFBVV95cUxOR2ozNFc0STcyaUhFbUxEbFRrSHZXeWc4aGVfVHE4by05cHlVeWZ0ZHV0TW5OX1hRQml4VHhJSHRsVGVudmdsdVkzVGdxWXBzRzQ2MWx2OXpDN1ZFQ0RJU3N6ckwyYktWdE1ZSGxzRklFMGFTdWJhcmFJZ2VwQ0F3ZkxtMWVDRl9DeVBLQmdIRmIwenBkUGw1bjBWb2FockV0VEVB?oc=5) · Vermont Daily Chronicle
- 2026-06-29 [Keene SwampBats to host 'Brattleboro Night' on Wednesday - Brattleboro Reformer](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMUR2dVlIQ1ZYVXg1aW92RHdGN3BMWTdZMERlXzU0SWtvSFEtNjlKUkE3R2FlVTJGa1lnbGxmUHRiYm1IOHJtcGlKWmdTdURCQlpKX204QVlUdTNYWF9OX0N0QmdTai1UNk8ycnduTHdHMHBPRWxIbzRzVUdKTUk5UVJWVG95V0U2MFhHMnYxOWlGXzdyMFd2RkhGeGpuU3RLZFJ4RlZ4MEdLTUdVUmd4ZmlFMXJVb2hOUEg5Z2JDeGxfa2tlbmU5UzdTVG0zQkpiSkE?oc=5) · Brattleboro Reformer
- 2025-10-14 [Benefit to raise funds for local family battling leukemia - vermontjournal.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQXNtMF95QkNHSVp1MFZndWdEd2x0cEFGSFNnd1hPTFoxYTFQNXIwR01XZ1prSXBkTm9rTG1IdTE5QllMemRBNVBOR0x2cGgzZEF0YUZaT1M3cUw0TkhwSHVLM2pwYTM5ZkVFS1pZdWotYVVzM0RiOVNyeVRnNGNsbDQ2akowVnRLSWN1S3hlazM2eGJ5QThQeXYyNDNORXhrQkhCNV93?oc=5) · vermontjournal.com
- 2025-06-27 [Portion of Route 5 to close Wednesday for Windsor Diner move - Valley News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5lMGNpOGpkaUVXQUlyLVlQdmR6aFZQd1JuWVZCSXZYS1ZiWGZJR3RqY3IwZTFCOEdoQkR3dExJRi1XVXRRMEZ2WnZ2WkpmT3ZueWZlVDJOZmk5RkczWnFqYWFSMy1kcGkyZ1poc2VKSTE5ZENOckV3eE91SQ?oc=5) · Valley News
- 2025-06-09 [802 Credit Union holding Member Appreciation Day ... for a month - Brattleboro Reformer](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNeHRSenZkRkJoSWhyN2draEtmc1hoOFBRWGJyd2hMa1F4OUI0NDNJdEhoYUt0Y0dsVEtEd1k0VmFxcGJBUHFSRUpJN0RJbmNPeHlNUS13NmZUaDMwbjN1bU5IN0M4YkJ0VWtEcXZqTUI1eDNLdVRKX25Qb0gzUndkWlFpSE5HbkpaN002OU91c1E2UlBGY2hfZXdoejVXY0VXV3ZCZERqdFpwQzY1RnlhRXVxYmxfaENORElmVmZ4cmFvTE5xRFdUdzJfa3Q4SWYwN0RtNGNhVk43dFQ1aGJR?oc=5) · Brattleboro Reformer
- 2026-06-19 [Vermont Lake Monsters CHAMP!'s Birthday Bash - Vermont Public](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNY09CNzd4eUJqbDlNZ0Zwekd1a054TG1LdkMydnJpbnp6aTdoM0RIVnQwNVhqMUxhX1YyYUhHNi13SG5FdGVOSlVUU2RBWWwzRFBscEFfTTZaSzF6eUNWeTJfMHpObjhPOGRDUzNDV25jeVU2eFJNX3F6bXY5VDNkR2ZsaXlDVUtnd1lHYXItNHNYX0M5VThzbm84aXZJS2hfUVBId0VacXBXcFNqMmU0cDFXcEZFa3BrOE14cW9ENVE?oc=5) · Vermont Public

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62983 (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/7.json (key "62983", 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=62983
- 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