# TRI-TOWN TEACHERS
Westport, CT · NCUA charter 10213 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-town-teachers-10213

Who the members are: federal charter, multiple common bond, organized 1955. 1,860 members of 6,000 potential (31.0% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.6M |
| Members | 1,860 (-6.4% YoY) |
| Full-time staff | 4 |
| Net worth | $2.1M |
| Net worth ratio | 8.0% (p14 of band) |
| ROA (annualized) | 0.17% (p43 of band) |
| Total delinquency | 2.06% (p83 of band) |
| Net charge-offs (annualized) | 1.00% (p91 of band) |
| Loans / shares | 63% (p68 of band) |
| Cash / assets | 39.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p47 of band) |
| Operating expense / assets | 2.86% (p47 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 2.97% (p90 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 17% |
| Average share balance | $8,007 |
| Participations bought / yr | $2.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,179 |
| Loans granted, annualized | $5.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 1 |  | thin capital, delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 | assets shrinking | delinquency rising |
| 2019-06 | 3 | repo signal |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency 2x band, delinquency rising | assets shrinking |
| 2020-03 | 4 | members leaving | repo signal |
| 2020-06 | 3 | net worth falling, margin squeeze | loans>95% of shares, delinquency 2x band, delinquency rising |
| 2020-09 | 7 | thin capital, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-12 | 5 | losing money | delinquency 2x band, delinquency rising, loan book shrinking |
| 2021-03 | 5 | loan book shrinking | members leaving |
| 2021-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 7 | members leaving | net worth falling |
| 2021-12 | 6 |  | members leaving |
| 2022-03 | 5 | charge-offs p90 | margin squeeze, losing money |
| 2022-06 | 5 | losing money, members leaving | loan book shrinking, delinquency rising |
| 2022-09 | 5 | assets shrinking | losing money |

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

- 2024-11-12 [Ex-Danbury principal charged with larceny faced bankruptcy, foreclosure, court records show - newstimes.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSVlXZnA5VUh4NFZrVElUVGR1N3NHdllCeWsxaU5JTERVNktZR082NUszZmQ4T0dXSWd6R1JGRENwZktGV3B4b180MVlPd0FTWVg4SVpUSmwwX3dnb3Y0U3VCeGEzS0QtaXN6Qk9YVkQwbXNkMnNiS2xWZGtxYmcwSnl2U3JEWHhFSnhSeFp5NFZRRHo1NVRuSExWRmI2SFZpckZN?oc=5) · newstimes.com
- 2021-10-18 [Donald Miklus Obituary (2008) - Bridgeport, CT - Connecticut Post - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNbE5WMXlwRXlfQjUwMnc2cGxGUXlabzZURXlVMS03d2FVc3QtSXY2WVktQ1FoNWxSYVRnT3M4eUFCSjEwS0Uyd2tla1VXX19UV1pWN0QyQm1IZnlFcVBselRwZXowbnBrbXA3bTJFaUhxX19FMzJlLU1xaFJORmFYWXpRcHN6YzJxNGFZ?oc=5) · legacy.com
- 2015-10-29 [UPDATE: New Details, Motive Emerge in Missing Easton Couple's Murder - Patch](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNX2F6RS1ka0pTUnlmNnFYM1pRdWowWmFfYkQwbDNWUHJ2SzlpVFU4dFA4REFlYVVOTkhKYjdLVWt3cGdoMWdPTVF2SzFWUkdZZXl3eWt2Mk9aUzYtZFhuN1lIUldZNnZNemtsV3ZxajViWm1lXy1wdXEwVGJoZkdlS0hvLS1lN3hXUlJnUE05U21GaXVvSldJdWgxbTl2bl9JTlRIMkZ0ZnZWZw?oc=5) · Patch
- 2017-04-20 [Mark Brown Obituary (2017) - Milford, CT - Connecticut Post - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxONlUtdXhhQ2o3Z3BUZDFKd0JyUFFkMmJVOWhRY190RngtcFFBR1M5Ml9aSklrbTlXVkl6RURvbUVvV1N6cHJJalNXV2pYNFAzWlZxb3BzV0hxVnh5alBwYVNQUWZOU3B1LVhwLTB2ZEJNZ0ppUG9FRzctMFhHbHRfcmNaWm5DMTA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10213 (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/37.json (key "10213", 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=10213
- 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