# ALBRIGHT
Bethel, CT · NCUA charter 68620 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/albright-68620

Who the members are: state charter, organized 1980. 5,590 members of 1,144,960 potential (0.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $75.2M |
| Members | 5,590 (-4.0% YoY) |
| Full-time staff | 13 |
| Net worth | $8.6M |
| Net worth ratio | 11.4% (p34 of band) |
| ROA (annualized) | 1.07% (p69 of band) |
| Total delinquency | 1.94% (p93 of band) |
| Net charge-offs (annualized) | 0.05% (p24 of band) |
| Loans / shares | 61% (p51 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p61 of band) |
| Operating expense / assets | 3.52% (p49 of band) |
| Vehicles % of loans | 19% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 3.19% (p96 of band) |
| Vehicle NCO | 0.26% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 12% |
| Average share balance | $6,815 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $12,723 |
| Loans granted, annualized | $8.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## 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 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 2 | margin squeeze, members leaving |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 4 | delinquency 2x band |  |
| 2021-09 | 3 |  | delinquency 2x band |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 1 | delinquency 2x band | margin squeeze, net worth falling |
| 2022-06 | 0 |  | delinquency 2x band |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 | losing money, delinquency 2x band, members leaving | delinquency rising |
| 2023-06 | 3 |  | losing money |
| 2023-09 | 3 | losing money, delinquency rising | assets shrinking, members leaving |
| 2023-12 | 1 |  | losing money, delinquency rising |
| 2024-03 | 4 | thin capital, capital below 7% |  |
| 2024-06 | 2 | delinquency rising | thin capital, capital below 7% |
| 2024-09 | 4 | assets shrinking, members leaving |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-09-09 [Albright Credit Union Launches Consumer Deposit Account Opening on Enable's Unified Modern Platform - The Globe and Mail](https://news.google.com/rss/articles/CBMiigJBVV95cUxNa0t6VkpOWWhfSDh2aTBNN2ljSmxXV0dkS1V5UmtHSk0tRkhUbXZ2M2QySzlyLU1SNzgycXJVTG1sUVBUUml4bnlkcVJsS3V5Vkp5SUtEWnhnSWFCbmQ5cllDMWZaVW8wR0V0ekZrd2xKLXVvZWtLMjlBV0hyY2tEbkJNY1M5NjFjVG5KdVkzMEZONFFGdy1FQkFRNmVtX1NoQW94a1J4dXc5c0V0Z0YxRWdtUExwOFBUYjgwSERWSGhKb1RSalhPdEdnTFRSZW9pQ0lFQkp3V3YzajJFalFUTklKQWpKRUw2OE1TWW8xVGVOc0pBQi1BT3NjSnJZOWFhd2dtVEh5NHIwdw?oc=5) · The Globe and Mail
- 2026-09-09 [Albright Credit Union Launches Consumer Deposit Account Opening on Enable's Unified Modern Platform - Eagle-Tribune](https://news.google.com/rss/articles/CBMikgJBVV95cUxOMlUwdzROZE5IS0lmUkdkeUVjYVYyaVZTYnlvUkpqYXBPM0s1NmtJWENrZUNFeTVZYlNETldUYklXU1dvXy14LXF1cEhENDdZNUhodTVDRm45WE4tcU1rSjdGWVhlR0Jwb3BaTkNobTBBQUNsenh1dkx2X1VZZ2otb1Q0RlFkU2xaMnV3bU1JZjhCazlkU0I1RmtjLVZBdE5yaTMwbm1CQ3gtODJEVXJPNGl5SGZIRnZnN1JZLW5rTGJLM2xMdnlNT2VQcHNVTGhkVXU3X1hsdXdEMFBFYXlaODR2aHJ4aXh5clltZVBpc2dRUk9KOFJFTGEwTHlJUXdJVXFkRzdhaHM5Nk43dWlPeGVB?oc=5) · Eagle-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68620 (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/12.json (key "68620", 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=68620
- 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