# CRESCENT
BROCKTON, MA · NCUA charter 68048 · asset band $200-500M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/crescent-68048

Who the members are: state charter, organized 1919, low-income designated. 46,336 members of 200,000 potential (23.2% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $443.2M |
| Members | 46,336 (-0.1% YoY) |
| Full-time staff | 98 |
| Net worth | $66.9M |
| Net worth ratio | 15.1% (p90 of band) |
| ROA (annualized) | 0.39% (p16 of band) |
| Total delinquency | 0.60% (p50 of band) |
| Net charge-offs (annualized) | 0.05% (p4 of band) |
| Loans / shares | 112% (p100 of band) |
| Cash / assets | 2.3% |
| Borrowings / assets | 8.63% |
| Net interest margin | 2.83% (p21 of band) |
| Operating expense / assets | 3.23% (p30 of band) |
| Vehicles % of loans | 27% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 126% |
| Third-party paper % of net worth | 193% (p72 of band) |
| Vehicle delinquency | 0.37% (p35 of band) |
| Vehicle NCO | 0.13% (p11 of band) |
| Repossessed % of vehicle book | 0.04% (p57 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 23% |
| Average share balance | $6,695 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $28,251 |
| Loans granted, annualized | $107.3M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |

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

- 2014-07-18 [Obituary information for Donna Lee DeCosta - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMifkFVX3lxTE5PU3oxbU9jOGVpcDhpeHNDbUIxNF9CQVl3UlNXSFgzcy1sX0s0ZUxTZGl0OWZBNmRKaFgxOXp0aW5VeWdtSS1OMmFvSlZnYkltYlV6UVZWcXlrR2plQk96U2pHVEp1Y2R1Z2pOY1liR2dMV2JncTJBVjQzbmJSdw?oc=5) · Chapman Funerals & Cremations
- 2023-07-17 [BOA closing its only Brockton branches — but building brand new bank at mall. What we know - Enterprise News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNbTVvNGowYkxfeXNRN3BfamJ3UE9xcEI0bnozWXFYdmtIYjlwNVB5ancxeEdsYmtJeFFxbHNZWlZxNUhMQmNYNXI0MFExUHB4OWUtM01VNEtKbjFkbm8tQW11LXFXU0c2cE9VUVROSFZhRTNOb2V2NGF6U0xrTk9vZGZXSHN0eVJZY0k4T3VBMVVtbm5lT2NxVUgzM2psSkpySmpyRzNwNkZCbWNmY0MtaFp2WjA1ZW5pbmlTd2dQOVF5MGtfZWc5d1kxbVNkS082Szd1am83ZWE3ejNsTExLSmdqdm9Vc0F3LTdVa0RlUQ?oc=5) · Enterprise News
- 2013-09-11 [Sheila Ann Baptiste Obituary Sep 11, 2013 - Dyer-Lake Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMicEFVX3lxTE9xY2FqQTY5RjVQUGJkQzdXb05BRnRDUUhVbDljbC1yVzBZVjUtMlRHSzZDdnZSX01JMUR3b2tHRVQ0UlNwaUpIVlFxUnY0cnItZS1vMGtBNDViTGFEZTdxa2dFM0NpQnRmbFZZOU1RTGw?oc=5) · Dyer-Lake Funeral Home and Cremation Services
- 2018-08-06 [Something's wrong with this photo; can you spot it? - WCVB](https://news.google.com/rss/articles/CBMijwFBVV95cUxNajFfY2FlUFQwS040NDFNbEJWaDdjYWNxQzROUVZjN0VtNkI5bUtfNlFUODJSWC1YLUpTQ0VhTlRJdnpEX2FfdFJEWUJxZE1EX1RiSHB2TFppNk9FVzZWN254Y20xaTBOVnRMWEt4bEkzQUtJQTNvelFHZTJHUEJxcEYzdlRmYzU0N01icDNTSQ?oc=5) · WCVB
- 2015-05-13 [Obituary for Kelly A. (Ernst) Miller - Waitt Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBUVzlMU2tBblBwU1I3NVAtTDlqXy1DN0RsSGh0NFdESXZGUUZLYk5DSlY0eGRjTHB4N09HZXdkZzh5S2QxQWcwcDNsMG11elEyZmMyXzI5OXlTWE4xc1NQOWs2U00?oc=5) · Waitt Funeral Home
- 2026-03-09 [Obituary | Hella G. Luddy of East Bridgewater, Massachusetts - Hathaway Family Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5oc05wOVVEa0xDakh1c1hkdVVySjFMRENidjNDSXhBYnY3VnQ2YmszNThOajBMNHQ5ZGxHX3NyX2x5TWVUSko5Vks3bUttcDV3X0U0eVdwVmk2bnlleVdWTS1uNA?oc=5) · Hathaway Family Funeral Homes
- 2016-03-16 [Andrea M. Stevenson Obituary Mar 16, 2016 - Keohane Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5lVzR2clRRSWdJY0Vyc1JfQ3dGWm9VMUh4QjNfZVdlOTlFZ0tHeHhXODhQU29OZkZqMFhQMVRDTncxTjVpaXNReDZrS3dzMWxsekNJNnVxcTJDT3cyRmwwdENQUQ?oc=5) · Keohane Funeral Home
- 2022-07-13 [Disclosures Shed Light on Finances of Candidates for Massachusetts Governor - NBC Boston](https://news.google.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?oc=5) · NBC Boston

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68048 (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/16.json (key "68048", 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=68048
- 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