# TOBACCO VALLEY TEACHERS
Enfield, CT · NCUA charter 1077 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tobacco-valley-teachers-1077

Who the members are: federal charter, multiple common bond, organized 1936. 3,194 members of 7,859 potential (40.6% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $71.3M |
| Members | 3,194 (-4.0% YoY) |
| Full-time staff | 10 |
| Net worth | $6.7M |
| Net worth ratio | 9.4% (p14 of band) |
| ROA (annualized) | -0.24% (p8 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.41% (p65 of band) |
| Loans / shares | 24% (p2 of band) |
| Cash / assets | 68.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p16 of band) |
| Operating expense / assets | 2.80% (p24 of band) |
| Vehicles % of loans | 14% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 17% |
| Average share balance | $9,012 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $13,450 |
| Loans granted, annualized | $5.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **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 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 4 | thin capital, delinquency 2x band, delinquency rising |  |
| 2019-09 | 2 |  | net worth falling, thin capital |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 | thin capital | delinquency rising |
| 2020-09 | 4 | margin squeeze, members leaving | net worth falling |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 5 | net worth falling, delinquency 2x band |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 2 |  | margin squeeze, members leaving, net worth falling |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | assets shrinking | thin capital |
| 2023-12 | 2 | delinquency rising | assets shrinking |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency 2x band |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 3 | net worth falling, losing money | delinquency 2x band, delinquency rising |

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

- 2017-12-07 [Teacher Grant Recipients Announced by Tobacco Valley Teachers Federal Credit Union - Hartford Courant](https://news.google.com/rss/articles/CBMiugFBVV95cUxObHlKTFNSbnNkbl9GUXdfYnFpUEFrMDRDOTE2bllmWmNCb1V6VGNEeU1NTjhzSmFlNU5ESEJtQWZyZWJrdWdEdUtNQ1VCVnM5Vm81ZjZTYzgtN3pVd2dHN2FVTmVsUHM1eDNaWjVPZ210ZFVRYnJmeDBfemhaRXYtVTJzN0J4Y0FZVDlxZldTUHJGUHc4X0E4QklBcnplbTZLZEFIQ3Rvb0NydU1WU0dkX1pkUGpDUmdSR0E?oc=5) · Hartford Courant
- 2016-06-02 [Tobacco Valley Teachers Federal Credit Union Announces Scholarship Award Recipient - Hartford Courant](https://news.google.com/rss/articles/CBMivAFBVV95cUxORGVsRVFEQjFtWWxhWWY3N1BYbWxMbnRIQVNENFVPS3lVRzhtUE5NVFh3VTc2SXpkSU9OeHM0dngzemI1MVpGZkdfTC1WSUpHWU1kakZyR2hGS29fM3EtSjZCUkNvOHdMN0dNWUZ3WjYyTkNzM243TEp0Y3JOdXVuRHBJRS1DN2lYUGpvS2FoSzhwS3AycWxKMHBQWHhLRjVwR0t2SG5GOGZCMlNuOTdlSVZQeVlHdXVIX1VfbQ?oc=5) · Hartford Courant
- 2025-05-09 [Juanita S. Malone Obituary (1948 - 2025) - Windsor, CT - WFSB - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPTFhQVk9HQ3dhTkZGbVVIODk2S05lSUpPMVJtRW1mcUhZWVRic19JSVRGa1pvVUVqZkVwWUd0d2NXSTAtVzVXbTI3NnN4UnNfTUlCc0ZMNDdhT1hnWTNqcG0zYWhXR2pmb1cxZmtOWDY3bDc1ZXFWY3RJVTVXYlh6dGtNaFpVQU5saHc?oc=5) · legacy.com
- 2021-03-18 [Picture Enfield - Then And Now - Patch](https://news.google.com/rss/articles/CBMidEFVX3lxTE9wSmQ0RUE4bE5NVGdUbnNsUVpuTGdIbzRkNzdRemJaTGljQjZVTzVzaVV3OUl5bXczeHNLZVMxb0JUVThUWTdmZTZwVklIU2dTZWJyVnZ4djdzOGFNS0h2S2xFampZcmZjZWdxZXVsTXFWdnpw?oc=5) · Patch
- 2024-06-07 [Frances Finn Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMia0FVX3lxTE55LV9raUN5ZnVZWHlGMmE4dUQwQXlnRE5DaVhvSVA3cXhnQ2dPa0owZEpYMl9QYnUyV3F6VENMM0lZRzVMNExRZzRFYXRvTzliWGR2MlJHNXJGZkRYaHJoaE5pVkpNamF6R25R?oc=5) · Hartford Courant
- 2010-04-25 [Noreen SULLIVAN Obituary (2010) - Enfield, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNYTNFQ1VqTGwxSTVmamR4ZG1CRmR6ZVBXUVdYU25pUkdCRko0eEZhNUtkaEZGVnY3SlNSZk5xRnlyWDQyWmRiRHhjZFZDV1JPMjkxdWtXQ0FBVk96aTc5c3M0RkFsTllPNUhZMVFoTGhNSGE4MjJZa3Q5aktUOHZjQ2k4N1g3TDFtOFVYel83TVBKaEhnSnZrV1B3?oc=5) · legacy.com
- 2024-06-07 [Betsy J. Slayton - Hartford Courant](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1kNEU2Sy1NM0lGcGgwTWJlVEt1dGpnOGpGeWx6SXEzbFZMT196WjlxUHlBOEdSQU5pXzl6VDJvNHU4c0p2ZmVueFlfSDl2ZlJBQ0drMFZMNWxzZHB4TFF3STBPRVA?oc=5) · Hartford Courant
- 2024-06-10 [Gerald Perreault Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMif0FVX3lxTE1hb0NxMDM4WldwbGEwMWRpeHdNTEdxb1RDR3Fxbm5OY21BaUpEbUJ3TEUzX0FacGkyUExadmt1YWVONGhHdGc0SWZac1VrNF9KS2d6LXVScUVUekRWTFhOcEwteTJVZkxTVjZuOFkzaExjZFVvV3kxMHlycnNEOWc?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1077 (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/53.json (key "1077", 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=1077
- 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