# LOWELL FIREFIGHTERS
LOWELL, MA · NCUA charter 67767 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lowell-firefighters-67767

Who the members are: state charter, organized 1936, low-income designated. 1,850 members of 1,900 potential (97.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $27.4M |
| Members | 1,850 (7.8% YoY) |
| Full-time staff | 2 |
| Net worth | $3.2M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.32% (p38 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 64% (p59 of band) |
| Cash / assets | 24.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p30 of band) |
| Operating expense / assets | 3.03% (p32 of band) |
| Vehicles % of loans | 38% (p25 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 | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 26% |
| Average share balance | $7,482 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $21,027 |
| Loans granted, annualized | $5.1M |

## 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 | 1 | delinquency rising |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | margin squeeze, delinquency rising |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | members leaving | delinquency rising |
| 2021-03 | 2 |  | members leaving |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 3 | losing money |  |
| 2025-09 | 5 | net worth falling, charge-offs p90, assets shrinking | delinquency 2x band |
| 2025-12 | 3 |  | members leaving, assets shrinking |
| 2026-03 | 1 |  | losing money, charge-offs p90 |

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

- 2026-06-10 [Francis W. Ahearn Obituary (2026) - Lowell, MA - Mahoney Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNYWwxb1RNdEVGcFEycVVmWnllSHZBTG9ZRDdpYnVIcUg4QnJsa0xXZ3BCankzZ1pORlJfSEFEb01wWlVtWW9UUFltTHZEWUJiRWk3aWE5VUNRZzJWbFBpQXdyNXRZOFBHLUFrTkZ2Mi0tS2h1UkFvTzJfRmg2Q2dYeWxfUQ?oc=5) · legacy.com
- 2022-10-25 [Joseph Mahoney Obituary - Lowell, MA (1930-2022) - Lowell Sun](https://news.google.com/rss/articles/CBMickFVX3lxTE1oN1ZrWlF4VDNnWlVMOFZGZjdtT0pHNXNMdVk3dkUtMzM4MWJlZkZnbFkzNGJJRnRudXN2SHlzMkVzU3dBUnRiWjk5ZDN0Y3puSmNNRk42TUY1ZWhlVEVZdERBek10ckNvcHdBUU81UVZyQQ?oc=5) · Lowell Sun
- 2024-06-08 [Leo Sheridan Obituary - Lowell, MA (1926-2021) - Lowell Sun](https://news.google.com/rss/articles/CBMib0FVX3lxTE9JdG5sZUFlOW5rUEYzc3psSnFlN2FmWlFDSUx2QkZYaVpvVm14bGxxY2NyUnZyYkNINmZsRzRjYkd0WmhyS3U4anpQc2xJUEFOZ1BsZi15cHI1ZHViUmRqUFZUNUNpMXp6aDgtNDdNdw?oc=5) · Lowell Sun
- 2026-02-10 [James F. Fallon Jr. Obituary (2026) - Lowell, MA - McDonough Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOSC1xanZZQVl6bkZOQVRlSG5wZDBQVUx5M214NHMtLV9WSnRfU01YNG1DdE1zQWlxTVFtNHlUTXZaMXRvb0doWFpOc3BSYlJBX005QVJKVzM4ckxkeUtaS1RZMkYyQzJXdjVFRnlJR01uLVFZdE1hMUZDdDZoOEszNw?oc=5) · legacy.com
- 2024-05-28 [Helen Peaslee Obituary - - Lowell Sun](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9hSkRZZlFSZHRjSUFJZmFGMVI0ZHJiUDU4a1ZoeXg0NU5JYVo2YUVzQWdXdWd5eVc4V1N3RG05X3htZ1p4NVNjOGZ6Qkx2MWFCdU56OWZXbV9PVnpxVXBIcEphWHdpQQ?oc=5) · Lowell Sun
- 2020-04-19 [Joseph Centore Obituary (2020) - Billerica, FL - Lowell Sun - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUC1XekFzV1hNQlJNRjEybHdLX3daSEFGY2o2OGx1b0FyV3NJc3NjZWxRQTVXaHhJd016X0dhaHI1bU10cjBiT0pEVHBKRWUzOTBsdjdFdk1lMTZzb0VXSnNlU25MZHlHbElMZjVRSDZVVTQyZXpiX3JLZWVUZ25NcGhDR2JkMVl3aElPanZiVQ?oc=5) · legacy.com
- 2012-10-23 [John Lyons Obituary (2012) - Lowell, MA - Lowell Sun - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbUExcy15SjBRTFA1Y3NOS01CTmFoR3IxTzlVc2p5c09ZNTByRGZEeFZzX2hIWk0tRlJxTG9OQkFZYlg0OVV3Z0FnS1lmRDVfclVXRFM0dk5tTW1oeS1JX3dqeElqemY2cEV2WXJMaGpqaE5LUkhqMElNMEJncWVtYkdFTkREYy12RzBN?oc=5) · legacy.com
- 2013-01-16 [Anthony Cassella Obituary (2013) - Lowell, MA - Lowell Sun - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUU53QjNNWjZJQUNueVhEYkJXdHlpNWYyaFZFRXZ4elhfS2oxWlRyMHphV2o5akhSRlo5aWh1NldFODdjdGI2YzRIemhmWW9pZ0pMWFVBbFFUalRoODVIdDFXUm5WSnZndlJiZExzOHRhcWdDb1kwWXBsVy1zNFdQUlNIdXo3MmxJQlBzMXpjZlh1NlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67767 (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/55.json (key "67767", 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=67767
- 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