# NORWALK HOSPITAL
NORWALK, CT · NCUA charter 65954 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/norwalk-hospital-65954

Who the members are: state charter, organized 1975. 2,087 members of 5,000 potential (41.7% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.7M |
| Members | 2,087 (-3.7% YoY) |
| Full-time staff | 3 |
| Net worth | $2.9M |
| Net worth ratio | 8.9% (p10 of band) |
| ROA (annualized) | -0.26% (p19 of band) |
| Total delinquency | 1.89% (p76 of band) |
| Net charge-offs (annualized) | -0.07% (p13 of band) |
| Loans / shares | 20% (p6 of band) |
| Cash / assets | 56.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.71% (p3 of band) |
| Operating expense / assets | 2.21% (p14 of band) |
| Vehicles % of loans | 32% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 5.94% (p95 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 25% |
| Average share balance | $7,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $19,670 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | thin capital, net worth falling | delinquency 2x band |
| 2017-09 | 0 |  | thin capital, net worth falling |
| 2017-12 | 1 | loan book shrinking |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | loan book shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 4 | net worth falling, members leaving |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 4 | loan book shrinking |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 6 | thin capital, net worth falling, losing money |  |
| 2020-06 | 4 |  | members leaving, loan book shrinking |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 4 | members leaving |  |
| 2021-06 | 5 | net worth falling |  |
| 2021-09 | 4 |  | net worth falling |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 1 |  | losing money, members leaving |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | assets shrinking, members leaving |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 5 | losing money |  |
| 2024-03 | 4 |  | members leaving |
| 2024-06 | 7 | net worth falling, margin squeeze, members leaving |  |
| 2024-09 | 5 | loan book shrinking | thin capital, net worth falling, margin squeeze |
| 2024-12 | 6 | thin capital |  |
| 2025-03 | 6 | net worth falling | delinquency 2x band |
| 2025-06 | 6 | delinquency 2x band | net worth falling |
| 2025-09 | 4 |  | assets shrinking, thin capital |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 6 | thin capital, delinquency rising | assets shrinking |

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

- 2026-06-30 [State orders CT credit union to fix years of governance lapses - Hartford Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxNY005b3oxVXZwUUdObjg1QjRDNERQNzBDZFBXVk9yZE94TXpTQU9rR0Z2ZkhJQ3ZraWFrei1na2xPTkQ2S0pFY3hrc2NuckRqOXpudjRFTVhDdmRkYVA0N2tBdktBb1VpekZoaEZhUldsa1RWUFV3bmpCcDk2QmdTV09CblpUZHlEZk1VNkpYMW9pRU5pVnNmU0IxSktDRWJ3OGc?oc=5) · Hartford Business Journal
- 2025-11-14 [Latest Hospital Safety Grades Are Out ... See How Manchester Memorial Rates - Patch](https://news.google.com/rss/articles/CBMisgFBVV95cUxPeWltUU1tOHMyNFFCT0VEdW1kY0hOWXAzaFc5Tk9fVm5hbWdndFRJNHJ1ME56ZndFWDZyVmpyUTF3X0pQbnROSVMzbVB2MjJOblBrTUY5dHZJVXJSZjhHRmhGVVluVTZRZDhCZHVwVUNiMHA5TG1BM2M3MHRWVWNFUTl1ZDN2bTJYRnFyRDE0OU1ENU1JVUM1bWJDWlljR3hnVDV1S3Yxc2VVSE5WS3NkZDBR?oc=5) · Patch
- 2014-03-03 [Aline E. Tavella, 78, VP, Norwalk Municipal Employees Credit Union - DailyVoice.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSlZBb0lKd09Kd3dJZERZOHVhVHk0N1BLUkFUbkRYblludk5SbXAwclM0OTNndDQ0N0JVdVVqc0xYTkdxZ0lrZmsxdVdCWmhNMXk5UjV6cm5jMzBCTklSYWxudnBoQnVlNlgyZjVZRkdDV09aYXVucmp0c19pX3h2ZFVoSTlfRzJ2SktRY19GN0ctRldnZmwzd21n?oc=5) · DailyVoice.com
- 2021-10-11 [Aline Tavella Obituary (2014) - Norwalk, CT - The Hour - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNR1R4N1N5RldBcHhScDkzazNCWE9BUWkwcEVabHQ3NEc1bE55bF9sNVpLemRvdFdLelNvaEl2SHpYRlpSX2hHQVduUzk2SXRzbjFaWFBybmRIZGtNQzkySnlFT19rdEJUT3pndHlkSld2ZlozU0swR29YTGR4bUpRem5nSmtkTmZmemRraw?oc=5) · Legacy obituary
- 2017-07-19 [McGraw family pledges $3M to Norwalk Hospital - Hartford Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxNOG5LVGtKT0VWcU0tNzRBeUtTU19rUzVHOWhtWDY1TG9tZS1UNE1ISjhHTmtJRVFsRDg0TnJ3c1BQcmEwTFB3aU9CMG1nX2w2Tjd4NEg5WkRHRlpkTUI1dFhwMnk5NlpyNzY1YWRNN2UzYk01RTRabFFQNzFmTVlSQnBZS1poYnlUQkE?oc=5) · Hartford Business Journal
- 2025-11-13 [George Grover Obituary (2025) - Norwalk, CT - The Hour - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOc0c2dksxckZoVTNIclNyYzY4cVVTQTM4TE5ubjhkTHVrekJlN0hhdjhCZW9YTm9Vak0weXhVRGVZWmJIX1VwSkNVRlVjVk5lckdHRnhyYXpNUElLMHZ3TnlPNHVzbXlqZDFFX0RKRzZRcGo5eGs3RWFyeXJuWXpvV2ZQeUhpcXFxN2ItNw?oc=5) · Legacy obituary
- 2024-02-15 [Obituary: James (Jimmy) Casey, 34, Of Black Rock - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQ3FpLURZMzhYRWV1WDdzYWpMdWZkWWtZUE5fS1NLMXd3RXdwVTNzTmkzd3pQSEZ1NUNSQTl2Qy1wZE8yaHhIbGp3UXBYN24zNncwNkxkVVNIVFNsSmpDX2paN3g4VzEwVHZUY0wyRDBEbEJlRmpNa2FrVDBsM25fb1lBREh2aTd0?oc=5) · Patch
- 2024-02-15 [Jimmy Casey Obituary (2024) - Bridgeport, CT - Connecticut Post - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNd3hmaVdoSnprNXdKeVFaVHhyMFQ4OG9DRjhHTDhlY0M4ZTkyUWM1dzBQa3BLVGl4enl6RHowSDFxb2YyRXI5RlI2cUdFTzY1RW5qYmpNME9vb09NbEptMWtjUDhyX1VuV3pYZmw2Zl81ZzB0eXY0cnQzRnVuNmRjdWRibWNpZklB?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65954 (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 "65954", 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=65954
- 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