# HAVERHILL FIRE DEPARTMENT Haverhill, MA · NCUA charter 67710 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/haverhill-fire-department-67710 Who the members are: state charter, organized 1933. 1,197 members of 2,500 potential (47.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 43. **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 | $27.3M | | Members | 1,197 (-2.3% YoY) | | Full-time staff | 4 | | Net worth | $2.6M | | Net worth ratio | 9.6% (p14 of band) | | ROA (annualized) | 0.48% (p46 of band) | | Total delinquency | 0.02% (p19 of band) | | Net charge-offs (annualized) | 0.00% (p37 of band) | | Loans / shares | 64% (p59 of band) | | Cash / assets | 37.5% | | Borrowings / assets | 0.00% | | Net interest margin | 2.80% (p14 of band) | | Operating expense / assets | 2.64% (p22 of band) | | Vehicles % of loans | 24% (p15 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.00% (p16 of band) | | Vehicle NCO | 0.00% (p35 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 67% | | Credit cards % of loans | 0% | | Unsecured % of loans | 4% | | Commercial % of net worth | 0% | | Core shares % of member funds | 65% | | Certificates % of member funds | 35% | | Average share balance | $9,933 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 43% | | Loans granted per 100 members, annualized | 8% | | Average loan balance | $30,783 | | Loans granted, annualized | $1.5M | ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | losing money, delinquency 2x band | | | 2016-06 | 1 | | delinquency 2x band | | 2016-09 | 1 | | | | 2016-12 | 2 | delinquency 2x band | | | 2017-03 | 1 | members leaving | losing money, delinquency 2x band | | 2017-06 | 2 | net worth falling | | | 2017-09 | 1 | | net worth falling | | 2017-12 | 2 | delinquency 2x band | | | 2018-03 | 1 | | delinquency 2x band | | 2018-06 | 1 | | | | 2018-09 | 0 | | members leaving | | 2018-12 | 1 | net worth falling | | | 2019-03 | 3 | losing money, delinquency rising | | | 2019-06 | 2 | | losing money | | 2019-09 | 2 | | | | 2019-12 | 1 | | delinquency rising | | 2020-03 | 1 | | | | 2020-06 | 2 | members leaving | | | 2020-09 | 3 | margin squeeze | | | 2020-12 | 3 | | | | 2021-03 | 3 | | | | 2021-06 | 0 | | net worth falling, members leaving, margin squeeze | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 1 | net worth falling | | | 2022-06 | 1 | | | | 2022-09 | 0 | | net worth falling | | 2022-12 | 1 | losing money | | | 2023-03 | 0 | | losing money | | 2023-06 | 0 | | | | 2023-09 | 0 | | | | 2023-12 | 0 | | | | 2024-03 | 2 | net worth falling, losing money | | | 2024-06 | 0 | | net worth falling, losing money | | 2024-09 | 0 | | | | 2024-12 | 1 | delinquency rising | | | 2025-03 | 3 | net worth falling, members leaving | | | 2025-06 | 1 | | delinquency rising, net worth falling | | 2025-09 | 1 | | | | 2025-12 | 1 | | | | 2026-03 | 1 | net worth falling | members leaving | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-05-18 [Paul B. Rousseau Obituary Sep 21, 2025 - Brookside Chapel & Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE5SRjlvNlMxVHQ2cEgxSzlyVG1KV2ZVZUFBTGl3WEpwRGJFLW5CT2lXVkdoZTY2bGJtdjBUN2xCc0pCZW5UcWJtQTBhUGUzNFZwWm1zXzEzVS1Vc3djUUEzakpmYjctMXhVTXc?oc=5) · Brookside Chapel & Funeral Home - 2016-10-06 [How firefighter credit unions can increase your savings - FireRescue1](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcWJELUZJN1NIQzhzMk12WXV2RVhOMTdwTzc0NW1YcEgyc1FWQ3kwZE1xTXFqSjVXdWNqWndhVFhvTV8tcUF4YnlCRTdTRC1nMDRuZS0yeF9SbThSVmtvZUctVnFRMElGNXdQYThSYlZYTzZ0eU1iQXg5djVEVGtYSFlxa1lrNzk4aXR6T2lhVk1XWEp3NWxKNWoxcC1fZENfQjR6cTNlQk1IdVlaQjMxUFNMWUFfOGprbGV4V2hxRWpTVktQNnc?oc=5) · FireRescue1 - 2020-01-23 [Haverhill Mourns Loss of Firefighter Lt. Jeffrey R. King, 32; Calling Hours Sunday, Funeral Monday - WHAV](https://news.google.com/rss/articles/CBMivwFBVV95cUxOLU0zUHlYVDY5ajFDc3p3SjhlUzBad2hBVUJHWnpfNUJsbTF0MUtMcHEwb3BVbE5ILU44RThCcXdNX0c0R3RJTWkwcmRsVEZxZHBuTnUwQ0d6TEpvWHFyVWZRZEgzZjQzMF8yZWE2T3NEQlNWZERpZzV3S29FRGhyRkZ1Um1aMVZmcHF0QlE1R21mc2hONzJWeWl0OGx1ckNQUHlhZlp5RG5tb1NsYXVHYnJ5eU9tQlNtb0d5b0lwWQ?oc=5) · WHAV - 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1 - 2016-03-24 [Longtime Firefighter Joseph E. Cahill III Dies at Age 51 - WHAV](https://news.google.com/rss/articles/CBMijAFBVV95cUxQY1YzUFFOUE1RMW5oQ1lzRzZ3cE5qeUFlMllSS1VzaGFFQUZlQWJIWkpVWTQ5OGxSN1FYRVhTSC1zMzFEVkt2b2dkYTZTZk9aNDFJMHI2OVlJekYzbXg1b0doNUYwSXJyM0ZQQmVaUGZCdnZvdGt2cGw5cThBMFYxN3lWWU9oWXhqQjVhUQ?oc=5) · WHAV - 2016-10-03 [The best firefighter credit unions for auto financing - FireRescue1](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb3JxS0txaTZid0JER1IyUzB4Y1FSREJsOV9NZkhqb1lLaDIxeDY1ZmRUVjNYUkNZZGVOS2Jzd2NxWDA5QnNfSEdaR2VITC12aVoteXUtTUg3RUs2YzJoWnFTTUNGNU1SZnpfQ0JfazhZTzdYWlhwMzNzVjlLT1dYdWpFblJHSzBHb2ViUm12WlVFMkJGQWdFSG9CTEZ4b1RVeWhPcDJqcW1KcTJBQ2JUSDhuR2ZxZlF3R0lVSTVSa29xWHc?oc=5) · FireRescue1 - 2021-06-26 [JEFFREY KING Obituary (2020) - Billerica, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZ2dLUFlLam1XeVJMc2xhaDJ0REJlaHd6VjNEV0hTeWE0ZGIwbTk1RDNGMFZ3cHl4VjdkclVGMm80RVJDOXJGVWVXZl9pS1FIa2ozQ0JrYUpjeklVd3RPREZJM01NNk05UTVEbmlfbnJBRk1vTkREbVdGb3NpX253bDNodHJzTXJrZmZ4QzJkaw?oc=5) · legacy.com - 2019-06-18 [David Donovan Obituary (2019) - Old Orchard Beach, ME - Driscoll Funeral Home & Cremation Service - Haverhill - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNS11dnZ0ZF83M0dTODBHTlp5Y2kxb0lQSzJZcXF2eWhYclA0Q2hWRU1JRlZocF9HdlhvMjJaRjJNZXhNbS0xQ192Y2ZwRy1sNWNtNG9fdUdyTnhOb0FvSGRueG85aWh1VXNmYVlTcUtMakE5QUhWWlNEVnFCU1dhZndkdE4?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=67710 (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/62.json (key "67710", 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=67710 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide