# HOLYOKE POSTAL
Holyoke, MA · NCUA charter 67845 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/holyoke-postal-67845

Who the members are: state charter, organized 1926, low-income designated. 232 members of 400 potential (58.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.9M |
| Members | 232 (-7.6% YoY) |
| Full-time staff | 0 |
| Net worth | $724,041 |
| Net worth ratio | 25.4% (p93 of band) |
| ROA (annualized) | -0.44% (p19 of band) |
| Total delinquency | 1.90% (p84 of band) |
| Net charge-offs (annualized) | 0.00% (p45 of band) |
| Loans / shares | 23% (p13 of band) |
| Cash / assets | 81.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.41% (p13 of band) |
| Operating expense / assets | 1.85% (p16 of band) |
| Vehicles % of loans | 66% (p61 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% (p20 of band) |
| Vehicle NCO | 0.00% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 34% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 6% |
| Certificates % of member funds | 10% |
| Average share balance | $6,842 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,824 |
| Loans granted, annualized | $343,888 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | losing money |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, assets shrinking | losing money |
| 2017-06 | 3 | losing money, loan book shrinking | assets shrinking |
| 2017-09 | 2 |  | loan book shrinking |
| 2017-12 | 2 | delinquency rising | net worth falling |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising, assets shrinking | losing money |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | delinquency 2x band, members leaving |  |
| 2019-03 | 5 | losing money, charge-offs p90 | delinquency 2x band |
| 2019-06 | 5 | net worth falling | losing money |
| 2019-09 | 4 | losing money | delinquency rising, charge-offs p90 |
| 2019-12 | 1 |  | assets shrinking, net worth falling, losing money |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 1 | losing money |  |
| 2020-09 | 3 | net worth falling, delinquency 2x band, auto monoline | losing money |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 5 | losing money, margin squeeze | delinquency 2x band |
| 2021-06 | 5 |  |  |
| 2021-09 | 4 | loan book shrinking | net worth falling, delinquency rising |
| 2021-12 | 5 | assets shrinking |  |
| 2022-03 | 6 | delinquency 2x band, delinquency rising, members leaving | margin squeeze, loan book shrinking |

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

- 2021-12-10 [Timothy Kennedy Obituary (1929 - 2020) - Holyoke, MA - MassLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSy1VSnQtRnM5LTNpcFZiSS0yVGlubWN1RTB5MU9idVJERkNZSWU3YXhuaExhdnZQMTVBbzQ0VTRjZmlxOXNXZTZZbHVSY0V1MTVmVHFSakp4UTNnS0F3ZndvTzgzbzkwdkJ2WU8zcXpVZ2xENDIwWUtEeUZtdTY5Sk12R181R1V0akpqVk1vckdidk9h?oc=5) · MassLive.com
- 2020-12-22 [Holyoke Community College Foundation introduces new directors - MassLive](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQVB6enp3VEdCR3pCdGFETTg1eGpEU21oa1h2ams1Nkk4Q2s5OVBoRDJPZXB5VGRUdi1qSHR2UkpjWUZFWC1FZDdpOXlLaFJEUXN6cnlaUklHS1JFWTUyMlhMTk9NaEZYN2ZpdTF3M0J2Y0JmWk5SWDFua3pmV3dWRG9pSVhMT0xycVM3R19CSXV0a2ZUX2d1RG05T1PSAbABQVVfeXFMUGpvYkJEZ2tUcVNWcmFLMUUyaWpjS2k0SDdfMTd0M3hsam1lTGVfbm1wWHBvQTJpS3dhLUY1U0VwN0p2RDhXVEdLNmxsUTJiTExELWp3R0JTQXF5czJ0aWhhdHV0SDZQZFdZeEdFVE1JWXBUcFBxa19YczA1MFlkb3huWWpGMlpGczBYQjB2T3VhdEl1c3JQalRWejNNTGNJSmJmN0s3a2RhYmJZV2JNYjg?oc=5) · MassLive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67845 (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/5.json (key "67845", 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=67845
- 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