# HAYWARD COMMUNITY
Hayward, WI · NCUA charter 66881 · asset band $50-100M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hayward-community-66881

Who the members are: state charter, organized 1935, low-income designated. 7,604 members of 168,423 potential (4.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 399.

**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 | $99.7M |
| Members | 7,604 (2.5% YoY) |
| Full-time staff | 20 |
| Net worth | $9.1M |
| Net worth ratio | 9.1% (p26 of band) |
| ROA (annualized) | 0.21% (p19 of band) |
| Total delinquency | 0.01% (p4 of band) |
| Net charge-offs (annualized) | 0.02% (p19 of band) |
| Loans / shares | 49% (p32 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p36 of band) |
| Operating expense / assets | 2.97% (p47 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 22% (p63 of band) |
| Vehicle delinquency | 0.07% (p18 of band) |
| Vehicle NCO | 0.27% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 54% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 11% |
| Average share balance | $6,446 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 399% |
| Loans granted per 100 members, annualized | 393% |
| Average loan balance | $1,541 |
| Loans granted, annualized | $27.7M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## 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 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | net worth falling | delinquency 2x band |
| 2018-12 | 0 |  | net worth falling |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 0 |  | delinquency 2x band |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | net worth falling, delinquency 2x band |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | repo signal |  |
| 2020-12 | 2 |  | delinquency 2x band, repo signal |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | net worth falling, margin squeeze |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 | assets shrinking | thin capital |

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

- 2026-06-30 [Groundbreaking: Community leaders celebrate next phase of Klement Business Park - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOQVFJRkJIa0UyeklQUTV4OEE2MWRLcTAzQ0c4VlBEaEtwTVVXS1lTalJTbTl5eWxCWU92MzNYc2dkV2xxYkZkMWg2R1BCN1dIbk0wRFhBQXJ5d2w1ZlBRbjF1WVUzbjJWcFktWFFwbm1RWEV0VVhXdXVWbm9KMW5ZUnFfaXIwWmljcGtVMGstaTFXTTFNYmlBWDhCX1Btb1ZiVlB5WTNiZFliZjU5NE9MVjhWc2VtX0ctZ2ZkQzYwc281YjBXWVV3aTl3djBXR2QzdURXbnZQUVpGanpUajFDUG9YYmdnNy1mU0pMNURaQTRxcDFRZGswbXh3?oc=5) · Daily Jefferson County Union
- 2025-11-12 [Hayward Chamber presents annual business, service awards - apg-wi.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNQjZBRjZ5YlVEZDhJekJ0ZEE4RHBXREFGbV9EUGxTVzBBYWtaRTZrZkE0U01TQkdTN28tTUt0cDRXbGM3YmxCTG5vcDdmUUhXbjdYeGVKQWFwWXhwUlZHb1FwQjhWWVAzOGtQeDU0T05ITEl3SEdEeGNKdlJuczh0VlR4eXQ0MmVycjlIQVZfOVFRWWsyNVhJU0dLZUlPaGxpRGMtd2hXaWpwZXZjZjQwUWV0Y2tnbVJCNUt4SENGdGlJbjNFbmROOXI1OEd5OUI2anpRSWVvRE5tOUloa0RlOHFmRQ?oc=5) · apg-wi.com
- 2026-08-11 [Michael Alfonso wins Republican nomination for U.S. House in Wisconsin's 7th Congressional District - ehextra.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxNTmJwaHdWZjdUd3ZEV1BMNy1WMG9IdWN1bXRlUjY2TTNZbXgwU0s2V2pjazBiR0Z2WndHREh1RkQtalZaVHhoRjB2clNMU0FmX1NzOFJvM0cyREo0NWtOSFgwQVBQR3J5QTlQc2QteUNtQnQ1M20xYnZ6Yk40aWV0ZVZwaGh5eFRNMEtoUHhrNUMtdU9OcTNXUk5ySjJjYWpGSXNGbG5xejdTeGlJZWx3dFo0NEhuVHlEb3NoeFpKcEx1T1ZkVTFIUmI1bFNKUEQ0c3VmS1hqVXh5b1JlOWYyMlBZVi1WTWRjVURRQ29TWU53S1NqbElDbG5WQ1JTQWE0TzhIYUJPTXhGbGxBeURPR0FIQU8?oc=5) · ehextra.com
- 2022-09-27 [Two Wisconsin CUs Say They'd be Cheddar Together - cutoday.info](https://news.google.com/rss/articles/CBMijgFBVV95cUxNX0M0UElsZ2hnYzE4TVA2X0lOLWZVVm9FanRDVTBLN0ZrbmNZb1FZZ05kRGs4SW8wRWw2dEZiQk5NRF9Uc3dmYVJWV3JKRnBmMkQ1X0dnZ0EycU1NaDJCbzJmZkFOSUhZZ21NS1U5X2w1SVhWdTB2dmJrWVF2S05xc3c5eDBFMU4ybkN1bGJ3?oc=5) · cutoday.info
- 2023-10-20 [Obituary for James W. Correll - Bratley-Nelson Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE10Tm1LSkNMdHFUVGF0aHNrNHNtNm0yVWNLdUhrNlBSc1RfNm1MR2JrNkhSQ1lHdEtkdXFCWThsWDFqc0p2OFhZaWV1YmVhdlZPMjRhMVhzZURYM0tGckNVSEVWTUxGZjU2UEZWbg?oc=5) · Bratley-Nelson Funeral Homes & Crematory
- 2024-05-15 [Superior Choice Credit Union breaks ground on state-of-the-art Hayward Branch - apg-wi.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxObjFKdGhPVVc4TzAxWng0bGZkeHlRN1lUMEJFcV9sTnA2N3lGN2JoUjhJV2JlOHlRTERSNVlPdHhmMU1RdkRncV9BNTMzTTNDY3RlNUxjYXk2cGxhZVNncUdmYlliVGk4TnBrU3ctRENkRVVVT2JfcFp6TllQTno2MTllY0h1NXFIUTE2SzV1Qk1NMjdzazNsREoyZGJmWVBqLS1JX18yRU0xZklaZzNkSGk0SWFYUzhzQlRra01ESUotS1RZN0FqN0U1ak54X1BxY1o3T0VhdzZPd29FUlZjQjU2VlN4QVFmTEQ4bWEzX05HQnNxT3JuaXFnSk9uWGtUQ2VUNnFZdw?oc=5) · apg-wi.com
- 2022-02-07 [Andrea Belanger joins Bank of Sun Prairie - hngnews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZTZNMnlMNWlJWGtISE4wbUFFdVh3NjQ5NmMxaG9HMXVzSmwxa2NPZE1JWnJWRnpfMjR1TktPM1VaLVc1aV9MZkdETU00eENDcUE0ZjJOTml1TzFSa1YwMmdmbG1HTy1UVDBrZjFpbUVmSk1obEd4ZC1wY2Jhc1I4bmduaWlHSjlaUFd4X2c4dkVwdi1fZkN1VWpCQnFtVnI0ZzN6LUM2OEVoTjItMTZDLThiS3hPa2k0LVlnZG91TmdkTTQyY2ozSlFXZjUxR2IyUjE0?oc=5) · hngnews.com
- 2020-01-20 [First Community Credit Union announces Rockford mortgage loan officer - Beloit Daily News](https://news.google.com/rss/articles/CBMihAJBVV95cUxPblNTRjE4RV80LV9MYThPSzVKUmR3VFVocThLNndROFE5TE82S3ZsR3NTZ2JNRmpMampRS0pZQ3Utb2lTS3VSTkh3RTFFMGFLVVJ2V1NBTS1waTRrdFBsUzN6RVUwZGIwanRxalg2ZllDcm52OXRNSlBEeVBVWTczVllhMHA4eXkxQU1xYXFtQWx6ZTZOc2xMbE9rSGNJYVFLQ0VYamlIZjRneU1sWVFPRTJyOG92NzRwVWJXM0dra0FaUGtIUENPZEFvZ1d6Ylhic2h5VGZ1cTkxSzRlVGE5b0FlQ3VGdm9NXzlDdDhRc1hyT0JQdWdFQWdYeGYtdjdjQ0tINg?oc=5) · Beloit Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66881 (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/1.json (key "66881", 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=66881
- 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