# WESTPORT
Westport, MA · NCUA charter 7652 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westport-7652

Who the members are: federal charter, community charter, organized 1952. 6,169 members of 306,588 potential (2.0% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $82.4M |
| Members | 6,169 (-0.7% YoY) |
| Full-time staff | 11 |
| Net worth | $7.9M |
| Net worth ratio | 9.5% (p15 of band) |
| ROA (annualized) | 0.90% (p62 of band) |
| Total delinquency | 1.19% (p78 of band) |
| Net charge-offs (annualized) | 0.07% (p28 of band) |
| Loans / shares | 53% (p36 of band) |
| Cash / assets | 36.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p40 of band) |
| Operating expense / assets | 2.96% (p29 of band) |
| Vehicles % of loans | 20% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 22% (p69 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 17% |
| Average share balance | $8,945 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $24,906 |
| Loans granted, annualized | $9.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (30.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 6 | capital below 7%, net worth falling |  |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 7 | members leaving, 3rd-party paper>100% NW |  |
| 2017-06 | 6 |  | delinquency 2x band |
| 2017-09 | 6 |  |  |
| 2017-12 | 4 |  | losing money, members leaving |
| 2018-03 | 6 | losing money, assets shrinking |  |
| 2018-06 | 4 |  | 3rd-party paper>100% NW, assets shrinking |
| 2018-09 | 4 | 3rd-party paper>100% NW | losing money |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | net worth falling, delinquency rising |  |
| 2019-06 | 5 |  | 3rd-party paper>100% NW |
| 2019-09 | 5 | 3rd-party paper>100% NW | net worth falling |
| 2019-12 | 5 |  |  |
| 2020-03 | 4 |  | delinquency rising |
| 2020-06 | 5 | delinquency rising |  |
| 2020-09 | 7 | net worth falling, margin squeeze, members leaving, loan book shrinking | 3rd-party paper>100% NW, delinquency rising |
| 2020-12 | 8 | 3rd-party paper>100% NW |  |
| 2021-03 | 9 | delinquency 2x band, delinquency rising | members leaving |
| 2021-06 | 7 |  | net worth falling, loan book shrinking |
| 2021-09 | 6 |  | 3rd-party paper>100% NW |
| 2021-12 | 5 |  | delinquency rising |
| 2022-03 | 6 | losing money, 3rd-party paper>100% NW | margin squeeze |
| 2022-06 | 6 | net worth falling | losing money |
| 2022-09 | 4 |  | delinquency 2x band, net worth falling |
| 2022-12 | 5 | members leaving |  |
| 2023-03 | 6 | assets shrinking |  |
| 2023-06 | 3 |  | capital below 7%, 3rd-party paper>100% NW |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | thin capital |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 0 |  | delinquency rising, net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2020-07-15 [Westport women charged in connection to financial crimes - Fall River Herald News](https://news.google.com/rss/articles/CBMitwFBVV95cUxQaFcyNVFXUU96c1U1VnFlbGlYUl9lREh3UmFXTWRvd3RtNWNjRlJsbDFybUFzNVFXdnVDdXhrTkN1U0Fra3JBZjlKb0NOM2JTUmduS3E1U05pVHFwN1FPTF9FTm9VQnBVdm9lWkxESWphUVFiMzFCVDczZkJ0RHd1YklQa1Q3eHZKOTFNLXo4N20ydy1PWmlhV3pGakJ0SUJ6aEEwU3NGQ1FpaGh0Z194Q1Jtb2pPMTg?oc=5) · Fall River Herald News
- 2020-07-15 [Former employees of Westport bank charged with embezzlement - WPRI.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZk5heC1TTThIZzllT3J2aUNmVzl3TTBQcDJfUWt3WWJxT2x1UmxKSXFtNk9fR2o4TDh4Ny0zTGpjWmdGb2ZVMVFrWnhQel9rajFmMzJJM1d0ZjVnbVFqci1yTVZad3VNVlRoVXh3bTZSZEFuWWhwbTVzSVZ6NnJiT1V3WDIwa2VuQUprZEhtMl9zZTdmSmhyUDhSdWFUUWJ1V3ZzbG5oRWPSAa4BQVVfeXFMUHk1MGo4X3k2aFNlZkNUdkZuRTVKZWt4RURYNm95LUJUTjIwRTI2OWoxa0EyX3Rub2tzOTFteFZhLXowWjU2Qnl2QTdmT1BEMjBiY2pyZGk2NUp3YkxrN1dOS0xqd3dGSmMtNll2V1hvaS00VjBtaVQyemhWc3dzYjdoVi0zbWhKSUVGalE0MFhXVXMwMFNMb2VyVHFfWm1QZVh5YWl4R0lkQXZpNEFB?oc=5) · WPRI.com
- 2021-01-19 [St. Anne’s Credit Union opens new location in Westport - Fall River Reporter](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSG96cnd3U3lpU3ZZMEhYY0h5VEpLN3NaTlRGY2UxT3VOdTZzcTZjcjFCdXpmYV8wVmw5ZnZ6SllyNFh5X3Q3Zm1tSEZmZ29GRjFpWElSTjBXa3ZPcWlLM29UTm01ZW13ZUFTQk9GdUdYRnRaWk1OMFBxelVIaFJDTEs2bllyZmtWRTZz0gGLAUFVX3lxTE1Ib3pyd3dTeWlTdlkwSFhjSHlUSks3c1pOVEZjZTFPdU51NnNxNmNyMUJ1emZhXzBWbDlmdnpKWXI0WHlfdDdmbW1IRmZnb0ZGMWlYSVJOMFdrdk9xaUszb1RObTVlbXdlQVNCT0Z1R1hGdFpaTU4wUHF6VUhoUkNMSzZuWXJma1ZFNnM?oc=5) · Fall River Reporter
- 2017-08-03 [Jean-Louis Clapin Obituary Aug 3, 2017 - auclairfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1CZS1IUkxid19KdDNGTnpXYkdReTAxaHJGWTJDSWxnM2NLc2g0czRLZkFmMVlVVVhjLTNkLXY5UFY0YWE3Z1ZWRzh3WkFWU2dVWS0tclp4eTh1cXdZMU1XNGFSU1hhZmdkSm12bi1ubXo?oc=5) · auclairfuneralhome.com
- 2021-12-15 [Wallace E. Fletcher Obituary - SouthCoastToday.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0yNmRPb1NWR0ZYam5GS3pwSU9USFFZa1pSbnRvSmctTmNmYnhTa1VVT3pGTHNNSHBoLTUzeGM0dTExNEFhVGwxOUtneTNtc2FtZlJEYmZ5ZzcyX2JjOFppbA?oc=5) · SouthCoastToday.com
- 2026-07-12 [Pols & Politics: Sen. Rodrigues sponsors pride event where drag queens twerked at elementary school - Boston Herald](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPcWw2SWJOV2xwS1R2NXNhWFVMU2F1aUR3UUxtMEVJQkFhellWRnBzeTB3Nmt2Z3VhbXo3RVVoT3BraXhtTnJPTjFRWnNSQ21vai1JcVd6cDJlaS1ST0JRdWNWSzFieHRzSktxMktQZnN3dXE5RldlemZIWV9ZX3lHeEUzbmFmdHI1RXBTbmJramkzWTBCbE05T2ZKeWRNa2R5ZEl2eE5DNXBIellZNnR2TDJGRklKTjcyVmk4eXA4S09GeHRKblRZTm50aTJrc2I5cXc?oc=5) · Boston Herald
- 2020-07-15 [Westport residents formerly employed at Credit Union, charged with embezzlement - Fall River Reporter](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSzh3QV9kWklPOWZyLWZjeWE4Y21fMjg0eV9iMlZ2cUNyWUxDeDlGc2dnYkxTdHNsVFdKcTJxb3dmbVFXcFNDTXBtdUdOS3ZaR09td2h2QXZGQy1QcVlNbUhFcjBYZ1FYcnNHRkxsZWxtZ1hwR3c3ZlpuZ0dqMkZ1di1CSEg5VWlMeEF2dFFNMGRvRjBDYW9zVFE1SW9uT1dydGEtNWRtYUQtdC03bUE?oc=5) · Fall River Reporter
- 2012-09-27 [Paul R. Mulvey - Obituary - Westport, MA - Potter Funeral Service - CurrentObituary.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5tbUZSNEo4Z28tUWdZODVmVlRRTWt5V0tuZ1RzNElhOTFKajZmTmNNajFtakRUY3EzWjljdzNjTTMyQTlTU1dPMkkxTXNEYWFwRDY5U3BZWUdOOWI1ZzM4?oc=5) · CurrentObituary.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7652 (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/36.json (key "7652", 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=7652
- 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