# POLISH NATIONAL
Chicopee, MA · NCUA charter 66597 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/polish-national-66597

Who the members are: state charter, organized 1921, low-income designated. 28,647 members of 1,571,995 potential (1.8% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $765.4M |
| Members | 28,647 (-0.2% YoY) |
| Full-time staff | 120 |
| Net worth | $104.7M |
| Net worth ratio | 13.7% (p86 of band) |
| ROA (annualized) | 0.61% (p48 of band) |
| Total delinquency | 0.37% (p27 of band) |
| Net charge-offs (annualized) | -0.05% (p0 of band) |
| Loans / shares | 102% (p96 of band) |
| Cash / assets | 2.1% |
| Borrowings / assets | 5.40% |
| Net interest margin | 2.99% (p21 of band) |
| Operating expense / assets | 3.45% (p43 of band) |
| Vehicles % of loans | 2% (p0 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.17% (p9 of band) |
| Vehicle NCO | 2.74% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 165% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 26% |
| Average share balance | $12,248 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.9M |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $103,477 |
| Loans granted, annualized | $193.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.9M outstanding purchased (4.7% of net worth), $1.2M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | leaning on borrowings |  |
| 2017-06 | 1 | delinquency rising | net worth falling, leaning on borrowings |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 0 |  | assets shrinking |
| 2018-09 | 3 | net worth falling, delinquency rising, loans>95% of shares |  |
| 2018-12 | 4 | leaning on borrowings |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | net worth falling, delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 3 | net worth falling | delinquency rising |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | delinquency rising | leaning on borrowings |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 | leaning on borrowings | assets shrinking, delinquency rising |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2026-07-27 [Polish National Credit Union names Julianna Johnson as marketing specialist - WWLP](https://news.google.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?oc=5) · WWLP
- 2021-11-19 [Premier Source Federal Credit Union merges with Polish National Credit Union - masslive.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQNFl6WTY1R1gxNFRDdXVIdTdTSUJ6NzBOcElUM1N3TVg2Nk5EYmxsSHNtcjV6dHgtY1ZhSWZBRlh5WUpBVDI3VFlPdFR6cnp4NndNTWVRRVRJY2JjV19uS1cwd2hPXzBjUlZfTEp4R3htMzktbXFCRUtPS3U1SzRLMHVPbEh1X0QtRV83U1ZFN3FaZGRhenVJRGZNc2ZUTWFJRTRGaHY4VGF5N3ZJLUhpcm4wNUxBZXdBTEpBQ1F3UEQ?oc=5) · masslive.com
- 2025-07-25 [Polish National Credit Union Welcomes Thomas Donnelly - BusinessWest](https://news.google.com/rss/articles/CBMijAFBVV95cUxOb0VMS29UUTlUNDZmZk1YTzM1NkxVbUV5M0o1T04yWXR3NkkwUDNpLU1Ub0szSGxoM1lkWXExdnk1YTlyUEZ5b2c0eGtGZjYyZ2dUYmwySG50UmVxY3VqY3l0eVVDRnFZd0E2WkVMUFFta29lNHVsV2diTXV0ak9NX19ieFQ5ZDNWQkRqMA?oc=5) · BusinessWest
- 2023-06-19 [David Fernandes of Polish National Credit Union honored with Heritage Award - WWLP](https://news.google.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?oc=5) · WWLP
- 2022-03-04 [Local Ukrainian credit union sending financial support to people in Ukraine - Western Mass News](https://news.google.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?oc=5) · Western Mass News
- 2021-02-19 [Polish National Credit Union in Chicopee, MA - masslive.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5ScWNWUndTSlFhNEM4S0JNOEtzZVFjcHFubThhNEdqeUNXRlFKMjlrWk1mczJoeGg3eVJ3OEs5czZVWEkwNWVkTlYwNTRxc3RKUGJQWkMtZUhoV21ITU96TEFQSGg0LVhETGRxRmNtNA?oc=5) · masslive.com
- 2021-02-19 [Polish National Credit Union marks century of savings - masslive.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZlpVbDJjckdKbkhsQ2JQMDdzRFpfWGYtVGY5MGZ5Zk16VEtzTGw2b19SZU1aenJFTW0tMF9naThmdS1SM2pkbkU3XzFaTUN4bWJLNGx3WWpzUUNHN1ZNVE9aREFIMTFaV05NNFRNWWVMZ0VhTUNuQ185bmthQkh4bXhJaWs1U09PSTNxZWhoc1ZPdGdvZ3I5amROVUlURmxWRnc?oc=5) · masslive.com
- 2021-10-18 [Larry Dean Obituary (2016) - Chicopee, MA - MassLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSmNIaUVLRjEwVTFtUXVMeUpCQk9SaVhIX0hrSWhRSmFUNmM2cy1EQ284eTcwT2x6WktkRzdNNXdadC1yV0R2dktNY3YySEp1TjBVM0I0SndXNDNBZ3ZQWENqZTZUNGo3Z0Q3WHV3NWc0bkZpMDJqNjBRR0NnRmJVZlZNdHhnMWZ5QTE2by0xNA?oc=5) · MassLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66597 (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/37.json (key "66597", 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=66597
- 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