# NORTHWEST HILLS
Torrington, CT · NCUA charter 65803 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-hills-65803

Who the members are: state charter, organized 1954. 3,675 members of 185,000 potential (2.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $54.8M |
| Members | 3,675 (-1.6% YoY) |
| Full-time staff | 10 |
| Net worth | $5.1M |
| Net worth ratio | 9.3% (p13 of band) |
| ROA (annualized) | 1.25% (p76 of band) |
| Total delinquency | 0.10% (p12 of band) |
| Net charge-offs (annualized) | -0.78% (p0 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 32.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p69 of band) |
| Operating expense / assets | 3.46% (p46 of band) |
| Vehicles % of loans | 43% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 40% (p74 of band) |
| Vehicle delinquency | 0.23% (p27 of band) |
| Vehicle NCO | 0.11% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 24% |
| Average share balance | $6,511 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $494,236 |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,015 |
| Loans granted, annualized | $15.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $494,236 outstanding purchased (9.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 12.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 3 |  | delinquency rising, net worth falling |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 2 | auto monoline |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | members leaving |  |
| 2021-03 | 5 | net worth falling, losing money | members leaving |
| 2021-06 | 9 | capital below 7%, delinquency 2x band, members leaving |  |
| 2021-09 | 8 |  | losing money |
| 2021-12 | 8 | delinquency rising | margin squeeze |
| 2022-03 | 9 | 3rd-party paper>100% NW |  |
| 2022-06 | 9 |  |  |
| 2022-09 | 6 |  | net worth falling, capital below 7% |
| 2022-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2023-03 | 5 | delinquency 2x band |  |
| 2023-06 | 5 | assets shrinking | delinquency 2x band |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | thin capital |
| 2024-03 | 3 |  | 3rd-party paper>100% NW |
| 2024-06 | 1 |  | members leaving, assets shrinking |
| 2024-09 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2024-12 | 2 |  | 3rd-party paper>100% NW |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 1 |  | auto monoline, net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-29 [CT Senate votes to keep Torrington transfer station out of private hands - hartfordbusiness.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPaWVkM1RCLTlQNHkteVJQRGRJQm8yTXREczlhM0Z5U1lYRFVuaVRDUTd6cHE4d1p2eEo2Skcyeklzc1hIOGFaVXRBMXpNbnJKOVhSOVVmdThvUlpWeGptTUQ2QjRqbkpYeHdjMkRTdlZFMFFfUkUtWlBzUmJWS2pVQXdEWDJDZ2tZWVI3V3A2NUxUR3dpRGQ5ZXVEUEtwbVRhYUFLRTJ4UWF4d0x1Ukh3?oc=5) · hartfordbusiness.com
- 2017-07-24 [United Way of Northwest Connecticut raises $9,800 with charity tournament - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOOURUZlVuVk14YzZGUWpBYktYMU9RMFdDYkhIZDZuUWExSFdjbHZQQ1dSTkhiUTJqU1cwQklUdlljQ2dXbWpHd1N0ZDVHenlUNTk1YW5yNHU0QnVrLWRKQXYxaGVZUTdSSVMzSGZ5RXItei0yR28wbHRXYkFnMFJ6WThEV1NxeVcyZTJfa1g3ZnFwaWU3SERycXo2QjkzSEZWdFE?oc=5) · ctinsider.com
- 2015-04-29 [Hundreds of students learn to create a budget at Financial Reality Fair - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQN0g2Y0lnVmRiZjJzNk5fazc4Nk1VRFBhVU5VcDVobWJyRWtrVjJ1Rm9CcmdyMjB0UmZ1Z2UxTjJtOHNqU0tvWFloRzczTnEweEtka2x2TTRtVlNydHVXaC00YUNxZERMcjVJQmhzb1ZlVzVBRzBzZUtrR2dJQy1LTUI3Y3JfanV6RUhnQ1NOX2NRNFB5TFVzOHMxb2RYdzRpTEE?oc=5) · ctinsider.com
- 2022-10-10 [Torrington agency holding holiday wreath sale - ctinsider.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNVnVyY1M0OXY0YUVNbzNWX0FZUmZWVkpQOUxVVGpYUlZXVkxvenI3OGdCeU5yR1JXRWpqdjZvX3RjVlktWUdsSUxQODZScnB5SE1icW90QlZKRnE2cjdhZUI2OE40NGRXNU9RQlhBVFE4U1hsc3FIOFFYMEFNV2ZIZWxGWE9RVlJvSGkyNVFwY1dqWF9RMERrbnlPUWhLQQ?oc=5) · ctinsider.com
- 2014-02-22 [Harwinton Food Pantry added to Food for your Neighbors drive - ctinsider.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVmZ1RkQyTjN6NnJCaWVWb3E2M1BjNFk5TU1FbENmZkVPYkwyV0gwRmhqckVVQ05MU21JNHAzQzRraGdhSWtjUmdfbWxJdVlLZ0U0SFdvYWFhVS1GM3laNE5hdEE4cGtTYkZVS3NNcHJ3XzFYTFZucXBGaG1PdThMbjdpWVo3T1VRS2xiVWRGcEh4QUdWVlpuRDdpNFY?oc=5) · ctinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65803 (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/11.json (key "65803", 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=65803
- 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