# NORFOLK COMMUNITY
Norfolk, MA · NCUA charter 8828 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/norfolk-community-8828

Who the members are: federal charter, community charter, organized 1953. 3,589 members of 20,000 potential (17.9% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $33.6M |
| Members | 3,589 (0.9% YoY) |
| Full-time staff | 3 |
| Net worth | $4.1M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 1.16% (p75 of band) |
| Total delinquency | 0.53% (p45 of band) |
| Net charge-offs (annualized) | 0.26% (p67 of band) |
| Loans / shares | 68% (p65 of band) |
| Cash / assets | 40.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p48 of band) |
| Operating expense / assets | 2.73% (p25 of band) |
| Vehicles % of loans | 31% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.55% (p53 of band) |
| Vehicle NCO | 0.18% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 20% |
| Average share balance | $6,842 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,566 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2007-10-31 [William F. Coughlan Obituary Oct 31, 2007 - delaneyfuneral.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBUMmZ2a25NdnVEWndLMjJ5OWFuM3llQVZDX0I2eEZJaGZCT3lWU1ktdk5XcW0zMnZfY2cwNi1xX0Y2cDFzQUcxRTRheUNHRWdUTjZ2QXN0ZDBJT2wwdFJnU0xDZVJ3YmlkWUE?oc=5) · delaneyfuneral.com
- 2010-10-31 [Accident victim starts rehab - Milford Daily News](https://news.google.com/rss/articles/CBMinAFBVV95cUxOOW5kejZBaEtxc3dReHRsQk1QYTdVZU9EcEEyTXBYT3RyZUVvUGF4ZHpRZUNIWjJzMzM0MWxfMm01djBCSUU3Z250ZV80N1hGMlRQRXpKUG9KQTVnZlhiZ3pnaEFwMlNRSEtPcEd5T0VHSjRJbUlCZVZjTjl4Mk5XaHV4bUhPZ204QzFUQldoMTZUNDFEV21XVFhsTVU?oc=5) · Milford Daily News
- 2021-09-25 [ANTHONY ADDARIO Obituary (2021) - Attleboro, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRDRxWmVHRkVIM0RtdDNPR2ZPeU9FOGNyM1ctQ2g0cEhvQi1Gd3V6ZU9rVkViR2NhaHA5Mk9VSGZUMl9QUkxRWFdXdkVTMUJTem5WNE9QUlNXeVo3SWo2cmdRM3hmQWpZMVlES1d0QTZ1UWlIa190a0xtb2ZHU2cwclF4NE1wazNPWllTQmw0eEZuaGc?oc=5) · legacy.com
- 2022-03-10 [Joseph Troiano Obituary (1941 - 2016) - Foxborough, MA - Times Advocate - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZjZXQXUwaFZvakwtMHRfSlIxdHlDdFNCZkZSek13cENzZlFLekFzSHhVd2tVcEY3WnZTQ1V6T1U5MWNtdkMyZXQ4TEw5bmdST3FpMjNDQko5aE42a0pBRVBSelJQQWFPOTAtd1JWVGltM2xESG1FeFEtN1M4NU5JM2pmRXZhdUo3N3FHWTc0b3RINDUwTmxUNURHbGwtVDdneDA1LW5R?oc=5) · legacy.com
- 2015-01-07 [John Servello Obituary (2015) - Norwood, MA - Boston Herald - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOQ293aTZDYjVfNjluWW9mbi1YM0pwN2R2dnpYR1p4ekIzU3NlNzdqemswN3ZJRGc5VDFiWWMyRmQxYWpfTXNyLTk4bERqS1VEaHNNYU1NUmJ6UG1WWmFSWTl0LTlJTl9QNVhFQ21yLUZKTGMxRGM4S3hlX0NrVTU0XzhDOU5Kck5NaU5Xcy1FUmpZR0U?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8828 (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/60.json (key "8828", 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=8828
- 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