# 360
Windsor Locks, CT · NCUA charter 7723 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/360-7723

Who the members are: federal charter, community charter, organized 1952. 18,826 members of 2,078,366 potential (0.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $324.1M |
| Members | 18,826 (-1.1% YoY) |
| Full-time staff | 67 |
| Net worth | $30.4M |
| Net worth ratio | 9.4% (p20 of band) |
| ROA (annualized) | 0.56% (p40 of band) |
| Total delinquency | 0.60% (p50 of band) |
| Net charge-offs (annualized) | 0.20% (p28 of band) |
| Loans / shares | 66% (p34 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p65 of band) |
| Operating expense / assets | 4.18% (p70 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p26 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.53% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 80% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 16% |
| Average share balance | $8,570 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.0M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $17,718 |
| Loans granted, annualized | $38.0M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $2.0M outstanding purchased (6.5% of net worth), $0 sold and retained. Sold in 1 and bought in 2 of the last 8 quarters. Shares 1.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | losing money |  |
| 2017-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 4 | thin capital |  |
| 2018-03 | 2 |  | losing money, thin capital |
| 2018-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency 2x band, delinquency rising | thin capital |
| 2019-12 | 1 | thin capital | charge-offs p90, delinquency 2x band, delinquency rising |
| 2020-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 3 | margin squeeze | delinquency 2x band |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 5 | charge-offs p90 |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling, delinquency 2x band |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | charge-offs p90 |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 0 |  | thin capital |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | thin capital, net worth falling |  |
| 2025-06 | 0 |  | thin capital, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2022-03-14 [360 Federal Credit Union opens new branch in Vernon, CT - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdjUxajFicXU2SVlSMlVGMzRxWWY2T3MwVG9McXVMRERNZW1ESkJURkpnb242blY5a0h6TVlxVTR2ZXN6SlhRUzBGSEI4NWdaY01LUHNGQk91eTFIYnQxX0ZpZkNyZlV6dGp0SGNnX3JWNkQ2SFptOHNUTlRMazl3d2tDV3AtdC1ZTUlfeUhBUWgtd3N5T3c2MVgxVQ?oc=5) · CUInsight
- 2026-05-28 [MGK × Wiz Khalifa – Blog Era Boyz Mixtape - the360mag.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE5kX1VxZU41bkNZaFNCSlBLZE8zeGtmY3lDSzNnTlVreWh0MzJVYmNDVlJqaS1jSXNGS1hHZkdVc3c4dFJkNGFpc2NadXJPZ09NY1BPaFcwNndudW1GM01PcE9neFJfSlNYdmJTZU53VVY2Rk4x?oc=5) · the360mag.com
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVy1DMGtfTHlRYnJXWTRyQW9ITGlLNE51a3JXS0RkdGpXZ3RKMkZnY0RwSTRzMUdRa2hDTnhqQlJlaVk1RUU0V0x4eFY3RjlrVTU4SDl1THRzb005Zmo2QXpYZkhYdTVwOHZrUWdKV1ZyMXVYM090VXl3YkhzVGROY1BnUF9kN2pXNUFSNWIwMjliU1U?oc=5) · Newsweek Rankings
- 2016-08-17 [Loan Manager From Enfield Sentenced to Prison for Embezzlement - nbcconnecticut.com](https://news.google.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?oc=5) · nbcconnecticut.com
- 2025-03-03 [Accounting Firm Wants Out Of Fired Credit Union CEO's Suit - Law360](https://news.google.com/rss/articles/CBMinwFBVV95cUxPUEJNb1JoOFZlSjRlUlRNNUlJMzNJbzZOc0F2M3NQLUtpYVE1dDhHZld3cTh5YjQ0bVVoX1hNMWNkSXAzS2ZTeTFwRWtINTlHT1dMcVd3aTBscWJwdnY1Tk5acEo2WTFJTEpfV2ZDR2E1SEFCTVIzNEQ4ZzN0YzZNUzhrenItZjF2eGE4OVFRMWRQOFBEUURSX0VET2tsVkHSAVZBVV95cUxQcmVnODhldUtmRndGYjlOMVY2THBXcVdrUmxySFJxYWZUVUl6UHItU09WZlFYbkFQLTZNRmVlWGZxaTFjY1U0MWQ2N1BUQ1I5M0Jfd1haZw?oc=5) · Law360
- 2026-07-23 [The 5 best savings accounts for kids and teens in 2026 - CNBC](https://news.google.com/rss/articles/CBMia0FVX3lxTE9iSzdjUWoxRjFZTEJJYUl4V2owR2Y5MDBvRW1JNE9vNUtCTmVZOXZIS0RYam5VWGJEV1J0NHJoMkpGNE1DaXJMTUhpSllKZ0J4Zm1pUjFaYkxYRnQ5eHZwak9KblVVT2xQSUp30gFwQVVfeXFMT194UmhiS1ZjcEtON3VRdEFFcEJua0RxRGE4Mzl4UG91QnVzbGN2RFRWdEhiOG5IZGdjYzNBdWh0S3VIYjdEOG1UVEpBVnJfSTZNSVd3WUt5dUtUXzgzUXEyZm5VelRIb3FTSjV5RkZsSw?oc=5) · CNBC
- 2024-06-09 [Richard O'Leary Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMid0FVX3lxTE5idUVuaEh5WDVibDI5N0xwUFEzMWtsSjg4RnZMZHVRY2IxYWhuMkdvY21ENElZQ0RHRk1JMy1VWHViUzRDX0NJZVZtNW5ycHlPOFhNSmJ1VkRSNW1NcUp6MjgzWC0tV2dEWU0yb3lLS2dTOThlR1Vr?oc=5) · Hartford Courant
- 2020-02-18 [Obituary information for James M. Antico - Forastiere Smith Funeral Home & Cremation](https://news.google.com/rss/articles/CBMidEFVX3lxTFBCQ3N6ZE1qajZNaVlzbm8yTW1BOC13VzVWMkEwU04zS2FKUTdUR3h1YzhOa2NxRTVQYTBqMERld3hPbkJpUGd3TWllSlhVWVlCRktPWkV1dVRnY1NSMV9ySWZMVWxiMUFOZmR0Wl91MDFqblNa?oc=5) · Forastiere Smith Funeral Home & Cremation

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7723 (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/43.json (key "7723", 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=7723
- 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