# MEMBERS
Stamford, CT · NCUA charter 68487 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-68487

Who the members are: state charter, organized 1935, low-income designated. 4,056 members of 500,000 potential (0.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $43.9M |
| Members | 4,056 (2.4% YoY) |
| Full-time staff | 13 |
| Net worth | $5.2M |
| Net worth ratio | 12.0% (p30 of band) |
| ROA (annualized) | 0.40% (p42 of band) |
| Total delinquency | 0.90% (p60 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 98% (p95 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.76% (p81 of band) |
| Operating expense / assets | 5.07% (p80 of band) |
| Vehicles % of loans | 33% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.83% (p60 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 10% |
| Average share balance | $5,133 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $12,881 |
| Loans granted, annualized | $11.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | members leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | capital below 7% |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | assets shrinking | thin capital |
| 2019-12 | 0 |  | delinquency rising, assets shrinking |
| 2020-03 | 2 | thin capital, net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | capital below 7%, net worth falling |  |
| 2021-06 | 6 | losing money |  |
| 2021-09 | 4 | delinquency 2x band, delinquency rising | capital below 7%, net worth falling, losing money |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band | margin squeeze |
| 2022-06 | 4 | repo signal |  |
| 2022-09 | 1 |  | thin capital, delinquency rising, repo signal |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | loans>95% of shares | delinquency 2x band |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | margin squeeze | loans>95% of shares |
| 2025-06 | 2 | delinquency 2x band, delinquency rising | margin squeeze |
| 2025-09 | 2 | loans>95% of shares | delinquency 2x band |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | net worth falling, assets shrinking |  |

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

- 2026-06-04 [Nutmeg State Financial Credit Union seeks return to federal charter to push growth beyond CT - Hartford Business Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOZXJLVnd6VVhZeUlkYjhzRExEeGZsS0NPdWxoQnM4a2FQakRmaFFNWVNpS25McDNHdnp5VjJIVEt5QWRIcVNmQlc4ZHZvWlVoZlZQelAwMnRIVkdaU3kzWTI1QWd5b0JlUjZZN3lhb1hWSkloc3czWE5tQlo1bi1KemxLNzhtcVN5Z3l6b1ZlcGNSbV9oTEgwLU1iSVdGaWhwTmJBRnBlcDBnendDbGtxMGxuaGRyZEYwcWlHR3NBVThHclJnalFHR015ajFyWndEMnJKdHNweGRFQ3VveFQ4N0pMWQ?oc=5) · Hartford Business Journal
- 2026-05-29 [In Memoriam: Members Credit Union CEO Kathy L. Chartier - CUTimes](https://news.google.com/rss/articles/CBMikwFBVV95cUxON1NRdVB1YnNYU2ZpSFBtNVp3WS1XSHlHdDFXdlB2NDNYSmR3QXJFeWdZX0RONGVCenlnc0ktTkJXU3l5LTBVZ3dHN2xhQ0dzeW1EdkgwczQyLTFJUmtnamRVdzQ1UmJ0RTc5R1Z3WEpnX3JNWG41OUxBMjlzUHdUM0JIcWoxd25lQUY5MlR4WDJkazA?oc=5) · CUTimes
- 2026-05-22 [Kathy Chartier Obituary - Danbury, CT - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMFdGcFhKOGJOa3ZIOXZPQjJjcjBvX1BoRFBnVEI2QXMxTHpYNXEwbFVDSmU0Rll2c2RvZkxjSzdtMHVReFBHbzUya0NmY2ttc1pSTmpiSzBjNlBmY25nUXBaVUxSNTJ5amU5eVBQRFJOMWlFa0tCRVNXN25tTkpMVW1Lcw?oc=5) · Dignity Memorial
- 2026-07-14 [Dollars to Scholars Offers Free Financial Literacy Seminar for Kids - Greenwich Free Press](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQbTlzWWZERmF1bDdQd0FrVmFhUm5GUXlCUzIwY2c5d1l1UlR5d3R0YW82S1ZkSUtjaVVqWWdURlhoREVjZ2FhbnljdlVDdU5mTnRNQ01Lbm1KbDBlN1FWay15TW9DbXFJYXgzTzRDOERhTEFkbDJwSWVfeEZHcGhmajRubU1udTBTb19OTHM2VkZ1MzRaOGVuNnlJbWVJT19NR1VZSE1tWWF1QlRtWFgzX1J0T01BNklGQmFOSFJLWVM?oc=5) · Greenwich Free Press
- 2026-06-30 [State orders CT credit union to fix years of governance lapses - Hartford Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxNY005b3oxVXZwUUdObjg1QjRDNERQNzBDZFBXVk9yZE94TXpTQU9rR0Z2ZkhJQ3ZraWFrei1na2xPTkQ2S0pFY3hrc2NuckRqOXpudjRFTVhDdmRkYVA0N2tBdktBb1VpekZoaEZhUldsa1RWUFV3bmpCcDk2QmdTV09CblpUZHlEZk1VNkpYMW9pRU5pVnNmU0IxSktDRWJ3OGc?oc=5) · Hartford Business Journal
- 2026-05-26 [Wallingford Police Detective Honored For Helping Recover Funds Stolen In Phone Scam - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxOWlBLTDZGbEpmNS05eVJjWlVZbWFyYk40eGZMdXJENE95bVZINEZqaC0xbG45RWpjQmlBQ05hV29RcTJtZ0p0Sm83RDB4c0F3dV9CTTRrN0ppYkk5bVAwdjQzZXI0aFlOLTJkNW41OHNqR19yaE9BeTlZeW9xbmlkQXlVRnJyUFBtUjZPRmxZck92QlpWT1d1VzMxemMxZVgxbG1MNFpTbEh0SVdFaWJNTy1fMGgzYTFRcVE?oc=5) · Patch
- 2025-12-01 [Connecticut credit unions with 65,000 members complete merger - ctinsider.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVptUVVsd3hwanRwbFM2RC00b0pZSnI5N20ySWRnRk5xcXYybjRNYldaUzY4dG9KdW5FRGRpcmE3NHBxZVdTSHdEdjVOODRjMzNvQ3BTcWVueUl4bG1uQlBhakVrOUkyQlFGNnQxZjJ4Z2R1M2VvTVYwajY3NkpxblV4aHpPX1dNQm1hY0VoOE9uS3NIVExtSy1iQTlWalBLdERZSTlodjQ4UQ?oc=5) · ctinsider.com
- 2026-01-20 [Trade group for CT credit unions rebrands - Hartford Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbTNZMDBySmV0dThGVENnRzJ5ZjhkcFFpMkJxelRHQ1VjSWNwNGR0VVJyMVA2UXJ3NU9ramhOblhmM2w5ejFNS2RlOWxOYmZnTUhrX3lYU1ZBY2R4TVBBcnh0VTE0SmFaYXExYVJUQlEtcEN2cnpWTkRGWmpJYWFVVE1LYWMyQQ?oc=5) · Hartford Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68487 (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/7.json (key "68487", 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=68487
- 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