# WORCESTER FIRE DEPT.
WORCESTER, MA · NCUA charter 67683 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/worcester-fire-dept-67683

Who the members are: state charter, organized 1937. 2,058 members of 3,000 potential (68.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $47.9M |
| Members | 2,058 (-0.4% YoY) |
| Full-time staff | 5 |
| Net worth | $6.0M |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | 0.36% (p40 of band) |
| Total delinquency | 1.04% (p63 of band) |
| Net charge-offs (annualized) | 0.66% (p80 of band) |
| Loans / shares | 25% (p8 of band) |
| Cash / assets | 62.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.45% (p8 of band) |
| Operating expense / assets | 1.90% (p10 of band) |
| Vehicles % of loans | 43% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.31% (p70 of band) |
| Vehicle NCO | 1.53% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 19% |
| Average share balance | $13,499 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,692 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 | 2 | losing money, loan book shrinking |  |
| 2017-06 | 2 | net worth falling | loan book shrinking |
| 2017-09 | 0 |  | losing money, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | assets shrinking | delinquency rising |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 4 | margin squeeze, loan book shrinking |  |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | loan book shrinking |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency rising, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | delinquency 2x band |  |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-02-12 [Capt. Jason C. Couture, WFD Obituary February 12, 2026 - Mercadante Funeral Home & Chapel](https://news.google.com/rss/articles/CBMidkFVX3lxTE94VVk5MkkwVnRkblZKWkRQSEVtb05TNXB4MkxjSUVQc0c3VVQ0OFViVjZCRmxGdUVKSjFfNGcwNGtwdTFERGp6Tlp0ay1yMXUybmdEYVZmQl96empxakZpY1lpNjNmS283ZlRaY0Vac0JIY2xHOUE?oc=5) · Mercadante Funeral Home &amp; Chapel
- 2025-02-15 [John J. "Tucky" McKiernan Obituary Feb 15, 2025 - Callahan Fay Caswell Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1RaVpaRFNfYlF5VVBQZjVmQTNTVkljcGx6ay04ZFhvVU1YbHB2SmdpYzZmSnZFdVBldUdYSThsdlM2cmNxNllVdUhqY2lPWGZoTmxqcGZ3aw?oc=5) · Callahan Fay Caswell Funeral Home
- 2025-05-28 [Retired Worc Fire Chief Geoffrey Gardell Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTE4yLVQ5MXhqRTA3TE1nUHhabWpTcVk3V1VEazlfMFpyLVFDMUFLX0l4Zl85UVYzel9ZS3QwWlFBN0c1RVBBRXVKcFRkbUZWTlR2UTNINmZIOHI3Snc?oc=5) · Worcester Telegram
- 2021-10-21 [Jean Sullivan Obituary (1936 - 2018) - Worcester, MA - Worcester Telegram & Gazette - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ0JvcGtuSEtaOGYxMXdUODB4ZlVRYVhjVGhmb0hrVFI0SnFuYzR6VU0tSkJEMTlxZi1TZ0x5RFBZSnFEcDFUT1VFdE9Md2hlTEdpeVFMaGlXLXVuT1JuWER5VlhxSjhwcXdaMEhlOUJSczNoRy1lem9mbUp0QlBpZ1ZidEIzclBFYmJTNjhB?oc=5) · legacy.com
- 2018-12-11 [Read the obituary for Worcester firefighter Christopher Roy - Boston.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOUmtlWmg0WUhGQ3pONFZsTFhkbV91NUlYWklHejQ5aXpld3J0R2NEZERPcGl3OGZ3QUNpVnUycDllNVQ2Y2Q4bkRXYTdWeF84bW9WaEtFS3ZraTFWV1JHNWNlaXc4VW9oNk5rUWFRd3lwSU9Kd21XVlZieDdEOEJNWnFFcTFXQWRSWTVQNVYxN2hfWkNXU2NFNEM2UjVkdw?oc=5) · Boston.com
- 2025-04-30 [Raymond "Butchie" Gleason Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTE80SGlqSENWSVhVdU1FRU9TZEVfaHE2VmNKWmtVMEd0Q184SnRyeER2RFdyME9EcHdfdWxVVWtkT01ubVVBTnNrSDN0VTRxSmY5SnhTaE1laGZUWTQ?oc=5) · Worcester Telegram
- 2021-10-12 [Rita Hassett Obituary (2020) - Worcester, MA - Worcester Telegram & Gazette - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUjBTVGhOaWRfSFlxcTZLQXRCTEFudkx6NFJGNUE5bnpkdENyYk9UNXBIMGJYZlZQeWZlR19mcE5MVW5PVi1kMC10ZjFpeU1kWUlrcWpGbEpoal8xeFRRZ084SzhNVXg4Z0dmQTNZQU1PM3BVSkg0ei1ITEN4cFVBWGFTeHJIVmZNSWFz?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67683 (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/35.json (key "67683", 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=67683
- 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