# FAITH TABERNACLE BAPTIST
Stamford, CT · NCUA charter 10845 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/faith-tabernacle-baptist-10845

Who the members are: federal charter, associational, organized 1956, low-income designated, minority depository institution. 137 members of 270 potential (50.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**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 | $91,947 |
| Members | 137 (-7.4% YoY) |
| Full-time staff | 0 |
| Net worth | $12,118 |
| Net worth ratio | 13.2% (p56 of band) |
| ROA (annualized) | -0.99% (p7 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 99.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.68% (p2 of band) |
| Operating expense / assets | 3.79% (p72 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 0% |
| Average share balance | $536 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | losing money, expense trap |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 1 |  | thin capital |
| 2017-03 | 5 | delinquency rising, assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 3 | net worth falling | delinquency rising, assets shrinking, loan book shrinking |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 5 | losing money, delinquency rising, charge-offs p90 |  |
| 2018-03 | 2 |  | losing money, delinquency rising, charge-offs p90 |
| 2018-06 | 6 | delinquency rising, charge-offs p90, assets shrinking, loan book shrinking |  |
| 2018-09 | 5 | net worth falling | members leaving, assets shrinking |
| 2018-12 | 7 | thin capital, losing money, expense trap | delinquency rising |
| 2019-03 | 7 | members leaving | charge-offs p90 |
| 2019-06 | 6 | assets shrinking | net worth falling, members leaving |
| 2019-09 | 6 |  |  |
| 2019-12 | 7 | net worth falling |  |
| 2020-03 | 8 | margin squeeze, delinquency rising | expense trap |
| 2020-06 | 10 | capital below 7%, members leaving | assets shrinking |
| 2020-09 | 5 |  | losing money, net worth falling, delinquency rising, capital below 7% |
| 2020-12 | 6 | losing money |  |
| 2021-03 | 6 | assets shrinking | margin squeeze |
| 2021-06 | 5 |  | losing money |
| 2021-09 | 5 | margin squeeze, charge-offs p90 | members leaving, assets shrinking |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 | net worth falling | delinquency 2x band, charge-offs p90 |
| 2022-06 | 6 | losing money, assets shrinking |  |
| 2022-09 | 4 |  | thin capital, net worth falling |
| 2022-12 | 5 | members leaving |  |

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

- 2022-08-31 [Edith Shamsid-Deen Obituary (2022) - New Haven, CT - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNdDlaMDR4WVZSSUhaOGwzdi02dVR4N2VXNDRHU04zZmZDY2JUd19yUmJYLXZhNkJHem1zTzU1aHBYZ3dfTkRSQUVKdS1DOWk1b0hubTJaYS00SlNZalI4aFBEUE9aLUVheEh2WWE4TVRsS3NkbDZwV1V3dGo0b2N0ZU5nbFp3MTYzcmlCeVhmVWo3SDhzSWptVnhMVWQ2dEU?oc=5) · legacy.com
- 2025-12-17 [Elizabeth T Spearman Obituary (2025) - Norwalk, CT - Baker-Isaac Funeral Services - Bridgeport - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOREQxZm1TMDBDeFZ3YkJkVXpWUjAycENlY2xTZGRnV2FweU9GTENFcXJCMDJtRDhyN2RZR204eW16NC03d2N1M1RRTDhwTUhVVVhPQldUUk1SSlBnOV9RYjJITlhtdVZTak9aR3NFQXN4ejZjRzNCWEp2alY1b1lEdjdva2xMSXox?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10845 (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/29.json (key "10845", 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=10845
- 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