# HOMEFIELD
NORTH GRAFTON, MA · NCUA charter 68057 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/homefield-68057

Who the members are: state charter, organized 1966. 6,883 members of 2,051,752 potential (0.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *ordinary*. 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 | $170.6M |
| Members | 6,883 (-3.8% YoY) |
| Full-time staff | 29 |
| Net worth | $17.1M |
| Net worth ratio | 10.0% (p27 of band) |
| ROA (annualized) | 0.19% (p17 of band) |
| Total delinquency | 0.71% (p57 of band) |
| Net charge-offs (annualized) | 0.06% (p15 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 4.84% |
| Net interest margin | 2.97% (p13 of band) |
| Operating expense / assets | 3.18% (p33 of band) |
| Vehicles % of loans | 10% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 40% (p53 of band) |
| Vehicle delinquency | 0.48% (p45 of band) |
| Vehicle NCO | 0.65% (p58 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 27% |
| Average share balance | $12,404 |
| Participations bought / yr | $7.2M |
| Participations sold / yr | $12.2M |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 109% |
| Average loan balance | $25,366 |
| Loans granted, annualized | $20.6M |

## Participation posture (from the same filings)

Bought $7.2M and sold $12.2M in the latest annualized quarter; $7.8M outstanding purchased (45.8% of net worth), $2.1M sold and retained. Sold in 3 and bought in 5 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2016-05-16 [Homefield Credit Union Congratulates Dan Crossin - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxPUDFBemFsSG84OF96RXYySi1zNm1rUjQyYmJMZ0lub1dWcDFwQjQxU0QwVnVmVDBHNTktN2JlQjN6dGR2eERLMnI2MXg3dG94OURiTmY0V053T24wSDVNanR2OTV0NWwwMGFDNlMzR2Fra2VKOWw1eEFCaG5CNm5HQi1xeklqX3hNQ0wwUmZ5VEZrUXR1?oc=5) · Patch
- 2015-02-15 [Grafton Suburban is now Homefield Credit Union - communityadvocate.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOZkh0cndtWkFCdjloUW16ZDFkTmFXajBOckQ3X0N1OUZDMTlha3B0QmFDU3BId213Z1RrNG5ERzhrQXhyaTRaRjFIb3FmVnlEX2pjRC1SNW1UOVhQUmowS282ejBkTkVNRnFDTUg3MjlhM3IzNGtLNktSdXUwc1Jpc1BleVJFa0pfMWU5eVVoRU1wS0txVGJYNHFraUtaR1RpYWRQT3hKWWlJb0xiSGVlNWhjb0pVM0JTLXk2M05veVZyVEpxOU9sb2o1b3R4dHlnQ1BOUVBn?oc=5) · communityadvocate.com
- 2018-12-23 [Villatoro named vice president at UniBank - Worcester Telegram](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbnFfdWlLRXF2eElpVXh6RGdvWUs3UFRlcXlHWEhYc05lN1l1dHdQeWU1Sk5aTzAyVVpLZG5OSHRjYVdOa1hSUU9EQkl5aHlRSjRHVzEtSkhBdHlpWlR5eldHY1lLbm9Ib2NTbG5MZFRuT1daS0F3cExuaHA3MFFHQjdqRm5mSUdQb3FyWnZVOUVsNGNWTE5kRG9MY3FVTy02ZHhTWFdqVQ?oc=5) · Worcester Telegram
- 2020-01-14 [Lawrence Waskiewicz Obituary Jan 14, 2020 - Mulhane Home For Funerals](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA5RFlqdmc4NGFOMnhTSTVQNnZfZF9LVmJFaWp3QnF5bkx3MVRRYzMwVkhJMXhObmc4UVlzU1NlNUw5ZlktUzZwa0lvY2tCVlRUQ1BLZzd4bXM0bHJjcXNqZllTdXU?oc=5) · Mulhane Home For Funerals
- 2023-04-15 [Kurt Partlow - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNalZMeFp6Nkh0anpyRERtY05palZqdk85eTUwTWZXWUxIcWFhaVRzYVNWQ0ZZcHFQQ2VMRndhZmlac2dRQUVvbUdhSTNuLUFLTGstRjhBRUhSLThfekswMDM4RFZzVXNOeFMyWTcxelpmUjdEUFV3LVlNcF9CMnRMZkVRU2VwYi0wU0ZZalVR?oc=5) · legacy.com
- 2021-11-05 [Anthony P. Turano Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBhckVieklYZC00TGR2MV9BeEVsZnF1M2JyV3JiM255c1hCczZ4bUtVQkhKU1FXZHZlNFhwZkxiZWhhRERBTUEtcHItN0FWdHhFTlY5TG1jdnI?oc=5) · Worcester Telegram
- 2024-03-02 [Alexander P. Tauras Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1Udko0X05yZ2ozbmFfaUFfMmF2REpTWTRYNXVwZDNQbWg4ZDRtWWVwVV90bHBISS0xM0Zaam1OcnBkMnJfSFpOZV9McU94d25hOGJVZ3VzaS0zQ3M?oc=5) · Worcester Telegram
- 2025-09-19 [Richard M. "Dick, Richie" Murphy Obituary (2025) - Haverhill, MA - Kevin B. Comeau Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOQVJ6b2FDWXpoMDVHaEFDRzFqcDF3bEI1T0t6SlVfazZTU2RXWUhZeHktTTZ2Njdqand1SXNZWW84aThmakRTSTdkZnRCNDdySFV6X0kyTHBpYnNOeHJ5Q1hOM0ZWWTlXZmxoanhSYlZ6QWRzbXVjNWRFWlk0RjJ2eVEwUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68057 (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/25.json (key "68057", 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=68057
- 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