# EVERETT
EVERETT, MA · NCUA charter 67559 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/everett-67559

Who the members are: state charter, organized 1926, low-income designated. 4,142 members of 3,721,236 potential (0.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.1M |
| Members | 4,142 (-1.9% YoY) |
| Full-time staff | 8 |
| Net worth | $6.7M |
| Net worth ratio | 13.9% (p56 of band) |
| ROA (annualized) | 0.30% (p37 of band) |
| Total delinquency | 3.08% (p86 of band) |
| Net charge-offs (annualized) | 0.00% (p27 of band) |
| Loans / shares | 69% (p63 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p34 of band) |
| Operating expense / assets | 3.40% (p50 of band) |
| Vehicles % of loans | 4% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 85% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 19% |
| Average share balance | $5,617 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $28,152 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 | delinquency 2x band | net worth falling |
| 2017-03 | 1 | delinquency rising | delinquency 2x band |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | delinquency rising, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 3 | net worth falling, delinquency 2x band |  |
| 2018-09 | 2 |  | net worth falling |

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

- 2026-04-02 [Metro Credit Union and Members Plus Credit Union Announce Intent to Merge, Powered by Partnership - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQY3lTbXlicGpvczRGSjU4SktJWFBXdm1YNUdFZlUzM3QzMmV4NnZEanEzX1lab3RzRnluaXVLUDVxdFNrOW9lTGc0ZnB2dVVuSUhtOXdDTmQ4dWhFZDJkVF9iVnpVcnYyWFJiRDBsb3N0a2hsdC0yWmR3NzNaNVlGRHNjbHlRQ0VOMjA5ZjQ1MG02S093Rnk0Nmxyd1NtZjZjQktJZlZpamZhT3dUVjhjNUdtZkQyeGc3NERxS3ZDNVUxeGQ3eHlyX2JBRGZ6X3lxdmt4TFpZRFBvSk1yNnpDWU5hbkcwaDA?oc=5) · PR Newswire
- 2024-12-19 [Mass Bay Credit Union announces Everett Branch Manager Lila Kanj joins the Everett team - Advocate News Online](https://news.google.com/rss/articles/CBMixAFBVV95cUxQMlZIdXN1VHlLUmVHS2pnby0wV2VBZXFyS1BDcDNYakpubmVoUHhTWEl4ZnZNZkloSEVMTTRSQWRieDdVMFpGeGZRN1lCcnlmTDBPUjBnZks0cjZxQXExckRXU1VCZG1rZzAtWk1DSjhBWWlTb19hOV9OOHpPUWtERjZuQ255V0xhYS1XV0NodGFKa3dhM1NXQzIxNzhqVjIxOTRMNVlSRmhTTGRZdl9mOWN1NzhrbXlGb09uS05jZzhfY3JG?oc=5) · Advocate News Online
- 2018-10-05 [Everett CU merges into Members Plus CU | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxORGxZc3RkNFRsb1NNclNGQU1rU1lZc0pnRExiTHBKVGNlT2l5d2EwOEFhVGl1Y2ZVYkppeDlKNl9QbEJhZUJxTURwOVl0MlpHQUJmMmNIQm1MbVpNbnJjT3piX1AwdjNaT0tJYzJiWDlnNEgtY25RbHpxYzVQUEktR3VuU0djdUROZnZJZlk0Qzk?oc=5) · American Banker
- 2022-04-18 [John J. Murphy, President & CEO of Members Plus Credit Union - WBZ NewsRadio 1030](https://news.google.com/rss/articles/CBMirAFBVV95cUxOdnBJS29tWktsckdrVVUwMVdOLWZ4aHpJejF2TGo0RG5SV0lOSFFadkJ5Tml0OG1IWEVvdk5mdGhxcmZGWTVDQ3paNGdQMmZwaTl0OGpaZXFDNlktejN3UDVfXzlsX29Sc0Q0R1ZhbFNxRDltcGZwcDRHaXp1YXV2azR2aGlGV1NiazJKRThKVHJWLUFUejdzeDQ2Nm1FMHF5c1JRRF9zWGxqZi110gG0AUFVX3lxTE9vR0R4ams1end5eGlPYXVqX1VKcEV0RXBfX2hpYkJhVUdneXZSU0k2ZFhXMGV2Z2JkZ1hwaE9ZMHhrelE3dGdibWRvLXNrclJoRmUyblZEOEMtSHpnVVlaSmdkYVhubWJNQXBqNjdGc1FId2FzWkFPb3duRXNselJFbGM4bFFnU3hpaXJyNTRqeTVENG5JNXgyTHFhREVXZzVZQktuWG1WeVVHUmYwRmJyd3BsUw?oc=5) · WBZ NewsRadio 1030
- 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
- 2023-12-06 [Metro Credit Union Expands Leadership Team With Two Executive Promotions - Everett Independent](https://news.google.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?oc=5) · Everett Independent
- 2022-04-19 [Everett Cooley Obituary (1956 - 2022) - Westfield, MA - MassLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMzMzZFdyVFp5aC1oczJTQmNnMGZlZl85MWNManJQaEs0WHUwZU5pemtuYXVCM2xVZ3pOTVo5ZFU5ZmRyZVFDdzdpb0Z1bUN3dmM3QkxGVF8yM1oxNFhoY1hKT3FaV3Q0WFR6dFFMajh2Q3VCT3dTZlZuTjZfeW9iVkpWVVhtOTd1V19xQ1BZUDBvRVAx?oc=5) · MassLive.com
- 2013-07-19 [Obituary information for Everett D. Bresciani - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMigAFBVV95cUxPcjZhallLcGd3MENZTVNhVDFDcWlQdUluajczNDJhdy05cEprSVNNVl9BNzNZRG5yVVVjeDZJYk4zUjhKMnJxLU1QVEhLQldlVDNvOXotSEY4ZDZiMnM3UUlHZVQ4cmhVT2d1VXo2eEVmOVZ2UDNoUFpMM3pvU3BNZQ?oc=5) · Chapman Funerals &amp; Cremations

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67559 (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/39.json (key "67559", 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=67559
- 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