# HOLYOKE
Holyoke, MA · NCUA charter 67875 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/holyoke-67875

Who the members are: state charter, organized 1911, low-income designated. 21,601 members of 462,815 potential (4.7% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $299.4M |
| Members | 21,601 (5.8% YoY) |
| Full-time staff | 36 |
| Net worth | $26.8M |
| Net worth ratio | 8.9% (p13 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.36% (p27 of band) |
| Net charge-offs (annualized) | 0.26% (p35 of band) |
| Loans / shares | 81% (p69 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 12.19% |
| Net interest margin | 3.18% (p25 of band) |
| Operating expense / assets | 3.51% (p43 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 88% (p53 of band) |
| Vehicle delinquency | 0.51% (p47 of band) |
| Vehicle NCO | 1.29% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 117% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 17% |
| Average share balance | $5,317 |
| Participations bought / yr | $8.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $31.7M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,881 |
| Loans granted, annualized | $68.4M |

## Participation posture (from the same filings)

Bought $8.0M and sold $0 in the latest annualized quarter; $31.7M outstanding purchased (118.3% of net worth), $1.6M sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 4 | loans>95% of shares |  |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 4 |  | loans>95% of shares |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | 3rd-party paper>100% NW |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | loan book shrinking |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency rising | loan book shrinking |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 2 | thin capital |  |
| 2024-09 | 3 | net worth falling |  |
| 2024-12 | 5 | delinquency rising, members leaving |  |
| 2025-03 | 5 | 3rd-party paper>100% NW | delinquency rising |
| 2025-06 | 4 | delinquency rising | net worth falling, 3rd-party paper>100% NW |
| 2025-09 | 2 |  | thin capital, delinquency rising |
| 2025-12 | 2 | thin capital | members leaving |
| 2026-03 | 2 |  |  |

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

- 2026-05-27 [Holyoke Credit Union book drive collects more than 500 books for local students - WWLP](https://news.google.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?oc=5) · WWLP
- 2026-01-21 [Two arrested for armed robbery at Holyoke Credit Union - Western Mass News](https://news.google.com/rss/articles/CBMingFBVV95cUxPRE5SbDI1SHJJclhRWUNoZDFCR1k2S2lWZlA0UzZsNUQ3a25Bbnl0UjlLYW5rcWpsdjVtZ3RBMFk3Z2l2cG4zeWVlMFdhZEptcXVRcWV4dVZoNzd2Z1F2ZUwyNWJYU1J4Tk1McHYzNmloRk5qNElSNHlEYkZVSkNYMzlxQXcyRFc1dmhzUWJqaFZMMGNxajVCZmY3R0hlZw?oc=5) · Western Mass News
- 2026-01-21 [Police arrest two following armed bank robbery in West Springfield - boston25news.com](https://news.google.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?oc=5) · boston25news.com
- 2026-01-20 [Robbery at Holyoke Credit Union in West Springfield Tuesday - MassLive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSWtfVGU0SjJiYTdCcm4wdTV5cG5YU3VOaGxLX25yOTNRcUpITmNtc0drVEhSZFBHYlo4ZGxTOTI2ZWhYYllBV1NzQzhGek1HTGdsS1hCb2dxdlJRbU4wd3RlZjNXeHN3MEF3RDU4OG5ETWJlbUhFZVBiZzdweUR2aDhHUlVpVnh0RUFlNE9kLUhPcms0Tl9ITUhvbmV0bzE3a0oxVVlETUkwbzg?oc=5) · MassLive
- 2026-01-20 [Two suspects arrested for armed robbery at Holyoke Credit Union in West Springfield - WWLP](https://news.google.com/rss/articles/CBMilAFBVV95cUxNM3djWUxoQnVVdTRfZDR4RlJHcFZ3S0pIc2Q4dlYxeWg2eERzUWdPT1lvN2lmWE1PQmVZTWN0SkdhYmhLWl9zdFJZOVdScDU2MVdaT3RGRl9yU1AtOVB1NzhPR0dJXy1sTlphQVZWTXZ0UXZoZl9BaXdRWlFMY1A0NXJBcXNsdk9mZ2t3ekowOHkyWVFu0gGaAUFVX3lxTE1UOC1LOGJESjVmRGZVYjhhTzJuMW84aXdYcVNIZUoxSlBJU0xFbU84Q01ZcjY4ZWtxeERkTy1sTWt6eUp2cGlPR2RpTmdZN2VSZ1RWRktpWmRmY0dCTnRkNy1RU3hnakV2TzFTRFl4Rm1GTzRwWUxvVjhtaFM2WG1rWGQtUEtxVFRkVGJpdmVGb3VWbFlrNEFIQXc?oc=5) · WWLP
- 2026-01-20 [2 suspects arrested after armed robbery at West Springfield credit union - Western Mass News](https://news.google.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?oc=5) · Western Mass News
- 2025-04-14 [Eat, Drink, & Be Holyoke - City of Holyoke](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0xcl9DM2o0N0ltRmdrcVFXLVpkVEFmTi1XR1R3M3E4Qk5sSXRhajZqc0Q1d1diRml3M0dBdHN1U2tSX3JPMkFHekZDdUdXNmJ5NGNUZS1jRzZwdktqMW9SMURXZGs5Yzg?oc=5) · City of Holyoke
- 2026-01-21 [Two suspects arrested for armed robbery at Holyoke Credit Union in West Springfield - WWLP](https://news.google.com/rss/articles/CBMivAFBVV95cUxNekJ6OFBEaHc0VHNGWVVWWTFSZ1pYXzA1UlpCX19yNExfY3c0aERFRFdYcDFnU09VUURUY1RFTm1lRm9jV3g5dld5RkNGTDUxSjhiN0dzcVAxQzVjUGFIUjYxQkJvdHpWelVBQzRUR3FrREhabVRuRDVmRUVJLUZsbUprVElHcVdyMFc3WE1SZUY2eUVvTGNnSU5jVG9nRU9IZ0w5LTVXdmQ4Nm5GLWZWelF2S1JSb2lRb1k4Ng?oc=5) · WWLP

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67875 (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 "67875", 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=67875
- 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