# HANSCOM
Hanscom AFB, MA · NCUA charter 9095 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hanscom-9095

Who the members are: federal charter, multiple common bond, organized 1953. 96,606 members of 202,018 potential (47.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *quiet fade*. 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 | $2.19B |
| Members | 96,606 (-6.0% YoY) |
| Full-time staff | 316 |
| Net worth | $227.1M |
| Net worth ratio | 10.3% (p41 of band) |
| ROA (annualized) | 0.33% (p17 of band) |
| Total delinquency | 0.60% (p48 of band) |
| Net charge-offs (annualized) | 0.12% (p8 of band) |
| Loans / shares | 86% (p47 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p42 of band) |
| Operating expense / assets | 3.41% (p62 of band) |
| Vehicles % of loans | 11% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 59% (p27 of band) |
| Vehicle delinquency | 1.28% (p86 of band) |
| Vehicle NCO | 1.14% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 32% |
| Average share balance | $10,425 |
| Participations bought / yr | $31.5M |
| Participations sold / yr | $7.2M |
| Participations outstanding | $41.6M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $28,017 |
| Loans granted, annualized | $395.5M |

## Participation posture (from the same filings)

Bought $31.5M and sold $7.2M in the latest annualized quarter; $41.6M outstanding purchased (18.3% of net worth), $4.9M sold and retained. Sold in 1 and bought in 7 of the last 8 quarters. Shares 20.9% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | loans>95% of shares |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | loans>95% of shares |  |
| 2023-06 | 4 | delinquency rising, leaning on borrowings |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | delinquency 2x band, assets shrinking | leaning on borrowings |
| 2024-03 | 3 |  | 3rd-party paper>100% NW, assets shrinking |
| 2024-06 | 5 | assets shrinking, 3rd-party paper>100% NW |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 3 | net worth falling | delinquency rising, assets shrinking, 3rd-party paper>100% NW |
| 2025-03 | 2 | charge-offs p90 | loans>95% of shares, delinquency 2x band |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | margin squeeze | charge-offs p90 |
| 2026-03 | 1 | members leaving | margin squeeze |

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

- 2026-02-05 [Two Massachusetts credit unions to merge into $2.3B institution - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeXk0dDhwU2ItVXB3NHJLWmFBZzBMSDlTcHdPdE1Obm9jeDZiVTFMVjE2Umgtd0RWS1BhVFlucGpDR2FlZmFSMXVyTWlqcTdGSllqMkI4XzNpUmVTUU5PSUo4VFlJUVhOcE1lc1dGZlhyc3l1cldJeGp2bG5sSmlOX3EyS0lxdDJGOWd6X1JZVHoyM0N2M1NETGNHTm45SW9GY0h0ZnlCbw?oc=5) · The Business Journals
- 2025-10-06 [Defending against financial scams, escape room-style - NBC Boston](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNEp1cEVhckQtZjZ5TzU1b1ZrYVNUcFd1czdTRHMwa0Z2emkzaVZvSEVIV3VLVk1za0N5ZnE5dkFJRTlUOUs2Q3p3T19vQmNLQVhOMk1LVWZ2aDd6RUhhVTh1XzJPVW1BYmhzeHVIT21ZZzEzdzlobldzSHFzRWxqcm52UljSAYwBQVVfeXFMTTZfWTBMYUpSLWlvcWNmNUlnd3BZNDNKSkoxMVdWNzRHaGFRVnp5YzBWVmF1OGw1dTZmMmRUWHpacDFHSTJFY3VCWUpVRGIwb2hKZzBkYXpZeUI1dkpYeDRoZzN2dTkybUNFWkNSR19JUzVFQnpqNkY1RE5iZzZlODdqYzk5a1pZNVhTQmo?oc=5) · NBC Boston
- 2024-07-25 [Hanscom Federal Credit Union elevates Stacey Browne to Chief of Staff, Office of the President - CUInsight](https://news.google.com/rss/articles/CBMizwFBVV95cUxPXy1ZUjlQMjJ6V1YwTUN0RllTbGhQN2JORlZVdUpHRGJ4Y3JVcDVSZi1wRnBiV3RNV0NYdm5UdndQVWdmaWFtZG1MbzFfR1k4cmJCOFVIdUQtQWlmOFZ6VTJIOWpuRFFfSkhyUTZEaDlqMUdUTkdwUWhscW5PTVM0TkdXd1NzQi1MMk5TTUU0TGw1QkNiXzdSLTNrNjlxWm5xdlNHN1NvWC1XWWVFbUhzMTdudmQ3Z2ZCZ182bzR5WXRqQXp0aU9Zdks1MmNkX3c?oc=5) · CUInsight
- 2025-08-31 [Local credit union teaches financial lessons through first-of-its-kind experience branch - boston25news.com](https://news.google.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?oc=5) · boston25news.com
- 2024-07-09 [Hanscom Federal Credit Union promotes Michael Feola and Sean Kiley to Senior Vice President - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxQRldnN0Q3UHJHenAyR2NqcG9IOTg5Z0Z3aU1mdTMwX2UzUDRuNmlZeHB5QzBmbkc5bmMxUWQ5OXRCcVlYZFZqb3g0LWdld0dVd3YwM2swOEhtcEpZSnVwbzhmMnI4Zk9ZQXJkdUI1MEJfLUt3MTJqcTVVQnhQcERmR3FPWlhjcGlEYncxRTc4Q3BYeGdybTM2bTRWUTNLd0IwcFJEYWRMOFRLMFFQNHl4ZFNEUDFMMWhnTm9WMWJCaWxLTGtwQVozakxCNlk?oc=5) · CUInsight
- 2024-08-28 [Teresa S. Conrad elected Chairperson of Hanscom Federal Credit Union Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxNaDBtZ0FJQUlLX0xLTU9aSnhoVHFtazNxM29WYXpMdkZiTVhBV0JXcEtzVUJnU3RJZmhGeUlvbTgtQ0RVZVVNR2FjS0tsYlJIemtyM3ZyUFpWbXRVUDV1WWhkbnJDZUZMUFYyeG1rZFJkcTNERVlORTZxVDNnLXpzR3l3ZE1nalVKZGVZbk5IX2pYR2NvdU5jWWRQWHZBQXJHMDVTaDlPVXBuUVRXUVlWS3Z2SG9nMVBYYzdfRktYZm1rMEN2akE?oc=5) · CUInsight
- 2006-02-21 [Ute Warren honored for 40 years at Hanscom Federal Credit Union - Lowell Sun](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5sUUN1TDlIZWptLVpCVnBjYmZweG9BQkdqQzdiNGpsdUNYWFNqUWJEaWtma1V0dmJWZUZ2MlVjdkVxMVB0QUhMZGFoaVNKUQ?oc=5) · Lowell Sun
- 2025-03-28 [A Financial Institution First: Hanscom Federal Credit Union launches questing room in Boston - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxQVUJoWmJxVWZnSzhQbVFzeDN2aXVHRGVRc2lkUzdjRzZGWFdLRjdQaVZwQWRScWdrblNxMllvdUl0ZkxLRmhUbFJwVHZ4X3JYaV84bjlzWnNXLVpOaFlacHZUVWY5UkZtYkE5VjRjWWdINlR5S1E2aTJlV3Nwc2YtOEJhMDgwcV9xN01iN0JkOWNObnUtVF9kaTJuc2ZrbGJONnVqWkhGdkEySFZyT0N1R2tFMXFSZ0pKWkNrY2p3SVkwejB2V2k4TXFNaFA?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9095 (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 "9095", 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=9095
- 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