# ONE TWENTY
JAMAICA PLAIN, MA · NCUA charter 68019 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/one-twenty-68019

Who the members are: state charter, organized 1949. 96 members of 2,000 potential (4.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $415,842 |
| Members | 96 (-13.5% YoY) |
| Full-time staff | 0 |
| Net worth | $112,928 |
| Net worth ratio | 27.2% (p94 of band) |
| ROA (annualized) | 6.81% (p100 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 52.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.71% (p6 of band) |
| Operating expense / assets | 3.35% (p56 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,155 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68019 (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/51.json (key "68019", 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=68019
- 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