# CT FIREFIGHTERS
HARTFORD, CT · NCUA charter 6498 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ct-firefighters-6498

Who the members are: federal charter, service (single sponsor), organized 1950. 2,161 members of 4,255 potential (50.8% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $34.3M |
| Members | 2,161 (5.6% YoY) |
| Full-time staff | 4 |
| Net worth | $3.9M |
| Net worth ratio | 11.3% (p25 of band) |
| ROA (annualized) | 1.63% (p87 of band) |
| Total delinquency | 0.00% (p17 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 33.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p38 of band) |
| Operating expense / assets | 2.94% (p30 of band) |
| Vehicles % of loans | 32% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p87 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.01% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 24% |
| Average share balance | $6,983 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $791,877 |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $15,394 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $791,877 outstanding purchased (20.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.9% 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | losing money, members leaving |  |
| 2017-06 | 2 | delinquency rising | losing money |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | delinquency rising, net worth falling |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 3 | losing money, delinquency rising |  |
| 2019-06 | 1 |  | losing money, delinquency rising |
| 2019-09 | 1 | delinquency rising | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 3 | net worth falling, loan book shrinking |  |
| 2021-06 | 2 | losing money | margin squeeze, loan book shrinking |
| 2021-09 | 2 | delinquency rising | losing money |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | net worth falling, margin squeeze |  |
| 2025-03 | 1 |  | margin squeeze |
| 2025-06 | 1 | delinquency rising | 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)

- 2025-05-27 [Obituary information for Nicholas D. Vendetta - sheehanhilbornbreen.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQQTc5R1JFd2NiSlJZbGF1UFhJZmZyT1VPZkVRLXkta1NvZzFjQ0pXRWc3ckhOdWVJalFrblNWVno5RnFnV3RPajNubzduMHQwUGMtUF9ISC1tSHZSR3UyNHdad09QQmFyNGNkMGl6TlNPVVpCSHJKYkFOMjdkZzRyX2loMlRkZUE?oc=5) · sheehanhilbornbreen.com
- 2026-09-03 [Fire Breaks Out At South Windsor Condo - Patch](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWlRWdlhfWmp5R3NpU2ZITmNjYmFsU3hmMmdzbUt5ZWVDOWM5dzlXajVnUGZtcVNOMUtCVlRSNkYxdG52ZlRCOWR3WFZ4V0RhTVhsZ05QalVuZjUxXzhaOTlCMXpKS1BIanZRd1BuNGlpVmlKQmhQQTBVdXpZc1lvdHpRekjSAZoBQVVfeXFMTXMwdnR5OHJ3ZXV5MnRERXpFU3NHdTJPMVg0VXJMZjFWcUVOS2hRUEV1dWRRNlU5TGFVRWVPdlhYeGVoMGo2cENhVUhiRXJLNkphV0lUV0tscUFMa19UaHQ0dGp2NThKYnRsRzk1aVlZUFJicjNGVVVhVFBXaFRndERzZU9EMlpsMy1INkFtREJDX2VUWmRZOURldw?oc=5) · Patch
- 2026-06-17 [Truck Fire Causes Delays In South Windsor - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSTVnZVNVX1VZMkh6WVBiYU5xejdBZkd1T0VYRmJFOTVyMEk2ZmdrcTdXeXpseGk5S0xQVGx6aWhCRXl1VENfVTZxUTZReVBxZHJ2MGxuQ0cyc3FhNDVTLVQyR2xKVnFkblVfZjlaM0xyVXFCTkJhSDZZOUpsTm5CLTBUblJMWFlQa1RHODhiSUVTMkltcFJGdHc0X0lQRFhzODhxdzBkd2Y?oc=5) · Patch
- 2025-01-07 [Trash Can, Vehicle Catch Fire Within Minutes Of Each Other In Tolland - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTTg5TG1ScDE2T2lHdnRrOFJ4ZkpvWGZxR2hQWU5sZU9EdWVEa044eFFNUHJna0J0d29kSjVrLU5nSU5XMDFJQjFqdkFiMncwdDc0VUFZV1lnUVduS0h2RnNkUnpFZEFudEhqeG5pdDA1UXpQTl9ZMnk0N1JDZ281VWJmQjRKVUx4aGNCYWJuM0MxRENUeFlzd3Y1Ykl4RnJYSWc?oc=5) · Patch
- 2026-06-17 [Popular Business Spared From Building Collapse As 2 Structure Fires Break Out In Manchester Wednesday - Patch](https://news.google.com/rss/articles/CBMikAFBVV95cUxQYllHTENoX3VHM1NndU5ZSjJwaVIwMjM0QlNoLXRQS2xzWUYwZGU4Y196cWlFZnhKVmJFbGFQQnJCSHF0NHF4U2laVWpGZTdGNFhEZlJPRTRIWmN3T244cDVPdmJUcks4MWtIcmxQYjFoUDlZOEhSTDhCZm1xaDA0MUxIRWlCVU5POG9jb3ljRmI?oc=5) · Patch
- 2023-02-06 [Firefighters Battle Tolland Blaze In Frigid Conditions - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUzBHYmd5TFdUQURUaDZnV0lPb1Y4blhtbkl1anFvd2pzNzJ6M1I2bzZpYkJJRDVwVmliVkxUbEdZM0Q5THQxY3JzUWs2ckZkdWZ0VkFjcVhBZFk2YW1MNWJLV0YwcDhDb3p4S3B3b0dGVktoSWNiSVdqQmpQbC1DeU94TFRhTDNrWjJrQU1fUHZHRjQ?oc=5) · Patch
- 2016-10-02 [Grill Fire Melts Siding on Manchester Home - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxNdm5Sb2xQbEpQWVdmaHpoaDhTc1hMS1JDZXQxaF9qLVZBMlN2X1NVanpvVzFiM2RsUm1lNXRQcDZCYWVmU0docm9oTEpYSFJKR044OVpIOXdPVnY2aHlnMUFZc3FQZGF4WXVnME0yYmdwYVBqNGluTS1tRks2MUw1TGdhRTk5YVE?oc=5) · Patch
- 2018-04-25 [Driver Freed from Mangled Car After Tolland Crash - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMDk4eS1RSGc0UzA5UmtmaVBFb3YyaWpacGRSck9SemVfZURSaVF4NGdpRXFscURweWdDN0VzdExfUEU1X3B5bEJ6cmc2aTFlb0F5dVJyTnFLQ1NzdXhVSHdTTGd6Y1FhdlgxeGlQMHpwR0JVSkRkX2VNODExRVBNZ3NvMFlFZDNuY3c?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6498 (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/34.json (key "6498", 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=6498
- 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