# CONNECTICUT COMMUNITY
Pawcatuck, CT · NCUA charter 66306 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/connecticut-community-66306

Who the members are: state charter, organized 1950. 3,352 members of 40,000 potential (8.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 60.

**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 | $21.1M |
| Members | 3,352 (-8.1% YoY) |
| Full-time staff | 8 |
| Net worth | $1.2M |
| Net worth ratio | 5.7% (p1 of band) |
| ROA (annualized) | -0.43% (p14 of band) |
| Total delinquency | 0.97% (p57 of band) |
| Net charge-offs (annualized) | 0.51% (p73 of band) |
| Loans / shares | 41% (p27 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.24% (p17 of band) |
| Operating expense / assets | 4.85% (p83 of band) |
| Vehicles % of loans | 80% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.61% (p55 of band) |
| Vehicle NCO | 0.54% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 3% |
| Average share balance | $3,392 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $4,024 |
| Loans granted, annualized | $654,080 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 6 | net worth falling |  |
| 2017-03 | 8 | members leaving, loan book shrinking |  |
| 2017-06 | 7 |  | loan book shrinking |
| 2017-09 | 7 |  |  |
| 2017-12 | 6 |  | net worth falling |
| 2018-03 | 6 |  |  |

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

- 2024-04-03 [4 CT companies, women execs recognized by American Manufacturing Hall of Fame - Hartford Business Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNUmhkajBld05VVkx1THNkUnp4R0NFTk1ZT0pHN19Dd25hRWZuQWtGWWhEYVRScFVqWXFwbmR6N25fZGtWUFl2QnNud1lWbUo0bDJfSjJueXU0QkN3QmNGMkJTZ1N3RTB0QjBOSzJJWE9QcEkyb3dHRkVxV05DSU1mQnJqNm9rRFBMR2REYWlqeU54ZWlDUndYRHRQc1pqZ1pvZkFDM29LVVBTZnhZaER4enJzRkg?oc=5) · Hartford Business Journal
- 2025-09-02 [ImpaCT Award finalists for 2025 - fox61.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNTkh0SVlYOTNDc0k3LWdHOFgzX1ZVWlpxdjNHUnZwMVQzb241Q2hfQ0tOUG51RHJOdFB5cGxCUG1mczU2ZXJ3ODBVTjlNYWlQdERLeGhwNmp0Z3BvUDcwUWtCVHh5dmlISWNKd1lRNzlzY1BNMmVhX1NWNWRZR0tTUy1oWnM4U0xLdnhDTjZSM2xUZEl4R19sYkUwYTdKajZyemdqdnAwNjlCNUNCX29ORWlIUnNqM0Y3cHpUTzgtNEJJTU1SYXhpNEVR?oc=5) · fox61.com
- 2026-08-13 [Patricia Hill Obituary (9/8/1932 - 8/1/2026) - Montville, CT - The Day - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPalhscG1mb3RJR3kyRXZvMkFvbmpOTnlxN1UtelB4QjNxcklwVWRlWW9LVTJFdXRJVDdHZ004MmVFUHRxQXRHbHFDSGNZZUJuTVJSc0s3WjBSZnExSEUxRDUzNHJMdmpvN083bEkwR3JQQkFtV09YZ3ZmazhNYnROSFdCekRKMVRTLXJV?oc=5) · Legacy obituary
- 2026-09-08 [South Windsor Flock Camera Debate Heads To Town Council Tonight - Patch](https://news.google.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?oc=5) · Patch
- 2019-11-07 [MCC Announces Faculty, Staff Appointments - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPT0xybFRDc0huWjlDRjBjdUJnaVdNTS1EcHR3MjBMZnRhMFlNMFNiTklhWUdQQ1RTRW1hRWRibjJKSGlFYVNzMEdZR2tTYl9LQjJWOWV2RGRUaUd4eDdJYklZSDlfUGJhN1lWTVJteTlDblVpNVNCZVRWWnUyaHd1dU9yTjZGLXR0?oc=5) · Patch
- 2017-03-27 [CERT Teams Calling on Vernon Residents - Patch](https://news.google.com/rss/articles/CBMifEFVX3lxTE9WOU01TGswVHc2ZXFNaFNpc3dIZ2hwUlRpZXpmOGVycGJ1X0RPcGg4LXh2aDdTRFhDYWs1NkU0MGRGMll0akw0SC1CQWVCLTRDMDVQMl9IMVdnZmtHczJsYnp3NUJKcjNSWGh6V3Z3MEVRc0Jja3Z0NVNOUFk?oc=5) · Patch
- 2018-05-03 [Restaurateur, Administrator, Student Receive MCC Awards - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNbmFXTjdrWXZCTjJ4T09uTGR6RWUzbzYwM0VoRE9MbG1rYXlNN3QxelNlZzhmTDJaSGFDU0tRUFVpbjZLclpkTlNtX2F4NXBJLVBuMnQwOWxOOFBmWnpvVFlfZXdOZ0RHVGRRcXpNcEVRTU9kaVk5RTlYTGxOQXpxbkhBRXlfaU1OTmFFMWZTWHRHaUpaVG15R2R3?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66306 (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/2.json (key "66306", 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=66306
- 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