# GREATER SPRINGFIELD
SPRINGFIELD, MA · NCUA charter 67902 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-springfield-67902

Who the members are: state charter, organized 1927, low-income designated. 10,953 members of 761,734 potential (1.4% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 29.

**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 | $227.8M |
| Members | 10,953 (-1.6% YoY) |
| Full-time staff | 27 |
| Net worth | $44.5M |
| Net worth ratio | 19.5% (p98 of band) |
| ROA (annualized) | 1.91% (p97 of band) |
| Total delinquency | 0.01% (p0 of band) |
| Net charge-offs (annualized) | 0.01% (p5 of band) |
| Loans / shares | 60% (p22 of band) |
| Cash / assets | 18.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p33 of band) |
| Operating expense / assets | 2.12% (p5 of band) |
| Vehicles % of loans | 9% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.04% (p6 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 88% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 18% |
| Average share balance | $8,989 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $35,421 |
| Loans granted, annualized | $26.0M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

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

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

- 2025-11-24 [Richard E. Neal Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNWx2TEFWVXE1Vkw4RnJ2Q2J0bG9vbjRZVVltUFRTcjVHQzBQT3NOLTJvNWxsU2lKOENqeTV0N2c0U3o5REYzWEVENElEMlN0cV9oUXZVaFlVVnNKdVphOS1EV2RVU3dPUnRoQ214UF9WT2lDUkpNNFpRMzNCc0tWaEc5Y1lkV2hoOFBXc2F1bVNZa2NMU0s4?oc=5) · Quiver Quantitative
- 2025-07-05 [Obituary information for Natala C. Keefe - Forastiere Smith Funeral Home & Cremation](https://news.google.com/rss/articles/CBMidEFVX3lxTE8wMmtpQjVNSzk2bEZsRFVxSjhPNnZxSUtKUkdySW1qNk45WjNvcmk2OXJWQ2pWVGdHOU5SQTRkZU9LR3F3aV9iVmFVVnZKTkp2RUE5Rnh6cGplcDc2LUNoNkxUTG90RDNVSlFFa2k3R0M3SDNX?oc=5) · Forastiere Smith Funeral Home & Cremation
- 2024-02-13 [Thomas P. Sullivan, Jr. - The Westfield News](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBLYkNfcHRHR0JLeHkyLWpWdjg3UE8zd29aSFQ5VEVYY3oyZHpMN2owZG1xdjRwelRXNmxrelNFczQ3ekVVUnpLRTdtYTZiNWEyOGZ4MUxWT0VWUF9sRVRr?oc=5) · The Westfield News
- 2023-10-16 [These 60 businesses in greater Springfield recognized for success - WWLP](https://news.google.com/rss/articles/CBMipgFBVV95cUxNQkRQZEdSSDR1U2ZWQnBtWHBsbUJnOGJQVkVkUjVWQ3ZxcVNScEJfb1E2R1NGZE9Rd2tqdUNQSWFOc2NCV3ZtbER4N0JURUstV1ZzNnpGNkZKYlFva2Z3TGxYWkJFNzVxVnFYM1NjamtDQ3lWWlZwY3FzTlFHeExlMUFRZnpwYWxXa2V6SnZHNlBLdjFiRWZQVWZBWFBROWNweks0N0Nn0gGrAUFVX3lxTE5Ya0hBV1pfYW8zZUpxYkRTSzdlaHFvTnhnQllNNFhpYTY5S2tQRVd1cmRCbUFLWk83UU9nV2pmd3lNdHhNUV9vOUhiN1U0OGNCaFAwRDJlTGdFWFJJSzlxSjRiT0tpQ18xMUNMOXgtUnl3dF90b2MxUDhJX3VXMjJTNVNRdXU4WDZGRXQwX2VKTkJxSU1oUHlrb2w4WHZIUFFrdUo4ekxvdjZuWQ?oc=5) · WWLP
- 2021-11-21 [John Scanlon Obituary (2015) - Springfield, MA - MassLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQY3loUmlRS09Kcm1oanhvMUdNSkI3WU1lM2RvRXMyTXJQeE9NbW5uUDlDNWh4WTVpWEZSVDItOGNtMmlndUVBVHRQd2dIRUxTU0dldzFnaFNmeERQbHJrQkVLcDRNcGE3S2tLVm9xbDQ4alREOV95d3BBNVVHRS1pTlllWlNKcU5nd0VEaTZITGlwQQ?oc=5) · MassLive.com
- 2025-10-06 [2025 Halloween Happenings - Western Mass News](https://news.google.com/rss/articles/CBMieEFVX3lxTFBqVVl5TWxxU2ZJYmk2N1JuTG9ZQlQ3UHJKbHBNdDBKbFBNa05aZUtKSTA4Q1VXWWRaLW0yOUozZ20xRjUzN3Z3b2hzYW1LQWZNVm00eW9FQzJMMzZWR01CVUVVekRSb2ZZYnBGYVdjTjdTcUt6VnQyUg?oc=5) · Western Mass News
- 2015-12-22 [Rhonda Swan, 51, former Palm Beach Post editorial writer dies - The Palm Beach Post](https://news.google.com/rss/articles/CBMinAFBVV95cUxQdnhWTXdBSmNicm1VbHBPS2RrcFNOaUxUM08zaXFIOERtTHJveDZkdkdKZkkzNm1PNnBjZWZsSnBWdVR3NndLaFU5ajIwT3Rjem03SFhqNmJkd0tNYmNFaVdyQ0ZxbVh1ZmhWRDZKc2ZxbjJPR1VTUmxGeWxVRVNkNV9rU1ZSRUlQRXQ3WFMxSjlrUlBsSWFhODdfVUU?oc=5) · The Palm Beach Post
- 2021-10-14 [Thomas Shea Obituary (2012) - Springfield, MA - MassLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdnFKQVo1cE9zbTFyU0VTZzZSR3dmdXYtVGdhWFBqZFFoREVhN1o5eDAyZ3FhZmhTOFRUX1FFYlNwa2Z2NmhuTVJHX0E3ZjJRR0J2M3dxZmR1elJOY2lsWE10VEJCZVhia1doSWlvWE5Mb25LQVRPN3ZyaURRVEVGNGRKNzBHUzVZWUFGRkctd3A?oc=5) · MassLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67902 (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 "67902", 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=67902
- 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