# QUINCY
Quincy, MA · NCUA charter 67709 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/quincy-67709

Who the members are: state charter, organized 1937. 39,322 members of 1,276,972 potential (3.1% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $733.0M |
| Members | 39,322 (3.5% YoY) |
| Full-time staff | 74 |
| Net worth | $104.4M |
| Net worth ratio | 14.3% (p89 of band) |
| ROA (annualized) | 0.59% (p46 of band) |
| Total delinquency | 0.46% (p36 of band) |
| Net charge-offs (annualized) | 0.21% (p22 of band) |
| Loans / shares | 71% (p24 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p12 of band) |
| Operating expense / assets | 2.83% (p17 of band) |
| Vehicles % of loans | 21% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.14% (p6 of band) |
| Vehicle NCO | 0.01% (p2 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 29% |
| Average share balance | $8,140 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $22,421 |
| Loans granted, annualized | $128.4M |

## 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 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 1 |  | members leaving |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 | net worth falling | delinquency rising |
| 2022-03 | 1 | delinquency rising | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-04-15 [Mario Fontaine Obituary - Hanover, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdEZRejk0dDN4M0RMSzBFRzVxb1dscHhhSUJmUGZDS3RuQ2dnS3o4NUQ0Q2VLLVFzX0QwdEtlWjE3anhfVm5BU1ExUnFNSUNOd2o2OEpscUNMYVBzSmJpbjZEdGJSUzUxbDNlcnJVeU50X2tQRkhsc2VPVndlZlYtdk1WRQ?oc=5) · Dignity Memorial
- 2021-06-24 [CUSO Financial and Quincy Credit Union Announce New Partnership - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxOTW5ET092X1lHb0h1Qi1ZWXo5LVNrcnpXRl9qeHhxN2szQjZVY0NHYWFFMHVBMVlBN3MtRHJLeUFPeEhWNHpsQngydnlvNmQ1VTBieUZRV0U4SWs5dW1FZEQ4dGhnaUZEUWNpQ291Q19rYUVOY1NlczZRRXZDTi1FVkNrbXRYQVpfOE9IdVYxcl8wNHAtTkZHVmFzcHBWUVphZUlv?oc=5) · citybiz
- 2025-08-15 [MetroWest credit unions to merge, the latest consolidation in Central Mass. banking - wbjournal.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQTlBRN1EzMVJUVHFCWHIzRms3WG9YZWpPdERORGRBQ1cxU0tzdFBkQURuczFhbGdGZFA2QjU1U21UYk5YMDhCN1VsSDlLR19FNEQ3WHc0dEJCVVZZaFR0WTl2V2U3VVd4czFPWUQ1TWJkMEJXVVE0NzZBRElqZFpoQ203RXZ4NTQxdlZBekNEc042Q0NaelVmajZEaU9abE1pdGNKRkNKQXMtUHRiazlfY21n?oc=5) · wbjournal.com
- 2017-05-12 [One Injured in Crash on Quincy Avenue - Patch](https://news.google.com/rss/articles/CBMiekFVX3lxTE5rMm1jSkYxLTlIcmkycWtnZU13NUxYMjRERFJrcjg1WmN0NFdYWWExMkhWN1pBbWpIV2dDRVY0cG5XNmJkRWxZRlFaT3ZQLVItbjZtZGtZQWlHeGxMX0tRck9lODJPekxOLTNZaDJfWTNFdUdTMTFUWW93?oc=5) · Patch
- 2025-05-13 [Mary Picot Obituary May 13, 2025 - Keohane Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5rZTgzbkxBN2N3ZHcyZkNaSzBPUWdIOHVQblBINjM0M2VBRGh1UXNWMlVSQlJDZ1hudEJZYTdyRnRfLVo3ckFkVG1QRTAxeHpDd1Zic3UwbDA?oc=5) · Keohane Funeral Home
- 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
- 2017-09-22 [Making Quincy dementia friendly - patriotledger.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOFdIUm5uOW5yRURja2JQT25yWXhMQnhNcERlbHQxS2lTZzdyc2NrNFh2WXhKQVRKUVNVeVI4VmxPN3ZTcG1hRTltUk85SFZLcEhjQVpLWHNhQnA2UmFlT244MmxCNGVYc094THozckFzWXg1d0pTUWZiLXlqNi1RaklscmlVVHFxaEJodzdyUG9HY3I3TkVrQzRSM1V1c1ppVXp3VQ?oc=5) · patriotledger.com
- 2024-09-08 [Jason L. Schunder Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5ieHdrdzQtaW80OHJXTjhnTTRCdlRZRHZnUy1ZT1dQcVJjVzdzSXRCdHBlV0M1cXB1OUg1R2FiYzd6UW9ZdmY1Zm10Yjl2elgtVnFtRVZKaUdnWVE?oc=5) · Worcester Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67709 (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/61.json (key "67709", 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=67709
- 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