# FIRST PRIORITY
BOSTON, MA · NCUA charter 66593 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-priority-66593

Who the members are: state charter, organized 1924, low-income designated. 5,861 members of 1,000,000 potential (0.6% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *ordinary*. 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 | $143.2M |
| Members | 5,861 (16.6% YoY) |
| Full-time staff | 25 |
| Net worth | $18.2M |
| Net worth ratio | 12.7% (p62 of band) |
| ROA (annualized) | 0.32% (p26 of band) |
| Total delinquency | 0.10% (p8 of band) |
| Net charge-offs (annualized) | 0.01% (p10 of band) |
| Loans / shares | 78% (p67 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p33 of band) |
| Operating expense / assets | 3.46% (p43 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 9% (p41 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 19% |
| Average share balance | $12,960 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.1M |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $69,794 |
| Loans granted, annualized | $5.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.1M outstanding purchased (61.2% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | delinquency 2x band | net worth falling |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 | net worth falling, members leaving | delinquency rising, delinquency 2x band |
| 2019-09 | 3 | delinquency 2x band, assets shrinking | net worth falling |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 3 | net worth falling, losing money | delinquency 2x band |
| 2020-06 | 3 | margin squeeze | members leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | delinquency rising |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | members leaving | net worth falling |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 2 | delinquency rising | losing money, assets shrinking |
| 2023-09 | 2 | assets shrinking | delinquency rising |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 3 | net worth falling, delinquency rising, members leaving | assets shrinking |
| 2024-06 | 0 |  | net worth falling, delinquency rising, members leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 | net worth falling | members leaving |
| 2026-03 | 1 |  | net worth falling |

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

- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2023-11-08 [Workers Credit Union names Bob Leger as Chief Financial Officer and Treasurer - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNjlva3B0NW1oZlJlcExRYW1fUGxSUG55cTUwUUZSUU1ZNTkwUno5QzlJU21HbEFYMjBrckUxMTBldkYydDNQTmV3by0yR1VKZG5UQWh4Zlp4ejFpMVE4TkZYSjkzX1E2dU5sbjE0dXIwdlpYcGtTTHZmZDVnLVMzUUlWc0lxS0JaZ1JtS2V0cWg4elZVb3dsSExoQjZJSFpUX0Vldm5qQ2NJU3VhOGlxRkpGbTZrSjdIQ1E?oc=5) · CUInsight
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Massachusetts - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmJPdGhIaWVPaHFvZ2lWVzJOZDVFakcwWUpsUFNQUWZUdDVHbW83OGFJSVpLVVFJanl4SjZUbjZGbXZCOWU4bHNIRjlmMUR2U2FTUjlhaVY0WkRXalRtU01VVl9mSzluUXNKc29CTGluQVcxdzFRWXpLWHhrRjZEVElWQlRPQUhhN1NvdHJDTFg2UDBFdmc?oc=5) · Newsweek Rankings
- 2009-12-13 [Obituary for Joseph M. Tierney - hydepark.thomasfuneralhomes.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5jblNlZDN4bGFKZGVlQ3U1TEpjSHVlUTBfUjZaWXZ6Y29PeHkzZVlwM3F5c0dWNW9DRWg0NWpCT2xFS2dDVUdYUFF3OHBwWUgwYmtTMUN3WWZuUU1mTEtBekpMblRDWHFpZ2gzd0xjdnB5OXluTEE?oc=5) · hydepark.thomasfuneralhomes.com
- 2021-01-19 [St. Anne’s Credit Union opens new location in Westport - Fall River Reporter](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSG96cnd3U3lpU3ZZMEhYY0h5VEpLN3NaTlRGY2UxT3VOdTZzcTZjcjFCdXpmYV8wVmw5ZnZ6SllyNFh5X3Q3Zm1tSEZmZ29GRjFpWElSTjBXa3ZPcWlLM29UTm01ZW13ZUFTQk9GdUdYRnRaWk1OMFBxelVIaFJDTEs2bllyZmtWRTZz0gGLAUFVX3lxTE1Ib3pyd3dTeWlTdlkwSFhjSHlUSks3c1pOVEZjZTFPdU51NnNxNmNyMUJ1emZhXzBWbDlmdnpKWXI0WHlfdDdmbW1IRmZnb0ZGMWlYSVJOMFdrdk9xaUszb1RObTVlbXdlQVNCT0Z1R1hGdFpaTU4wUHF6VUhoUkNMSzZuWXJma1ZFNnM?oc=5) · Fall River Reporter
- 2025-01-23 [Affordable Housing and Services Collaborative, Inc. Announces Dana Angelo as Project Executive - Yield PRO](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1YbmxJb19OSHNQU0h6MTJNZTVlTUZpSzdzM19za3FNSmxKNVh6Zmp3dTVGUDVzRHRuRnV6cHVhcVIyaEZsYUlzeGQ0UFhUajJMVDBN?oc=5) · Yield PRO
- 2022-09-09 [Joseph Tierney Obituary (2009) - Boston, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZEdHbXp6VWM1OExvdmVjam9OcFRidHN5S2N6b3JrLTBBb1dWZ25sY2hubFhPY2ZQdll0VDh0dXZaOFBrdC04RmVXLWQyY3JSd242SjdEOUE4dGhCcUk5WDNIbTl3dm9aWXdWaGxTUnE2TXJBY2JRYUNnZEVoUDRFdzUwWFJfWGpxX19CN1pTT0tDWTA?oc=5) · legacy.com
- 2020-11-24 [St. Anne’s Credit Union Recognized as #1 Credit Union, Fourth Year in a Row - New Bedford Guide](https://news.google.com/rss/articles/CBMieEFVX3lxTFBCb2JiV1FZOTN6dkJVdms3Y2FHUXhYS0daLUN0Z2IzM0hUMUdveFI0ZjRRRjJRMnV4X28zX0huMkRBQm93QmROME10MWRxZDNjbXkyMzNFNmNhTjdBRzRocXZLTkpYVk1TY3VvbkF2X1NPemFwZGEwaA?oc=5) · New Bedford Guide

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66593 (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/33.json (key "66593", 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=66593
- 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