# TEWKSBURY
Tewksbury, MA · NCUA charter 13926 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tewksbury-13926

Who the members are: federal charter, community charter, organized 1960. 6,033 members of 43,332 potential (13.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $94.8M |
| Members | 6,033 (4.2% YoY) |
| Full-time staff | 19 |
| Net worth | $10.3M |
| Net worth ratio | 10.9% (p29 of band) |
| ROA (annualized) | 1.08% (p69 of band) |
| Total delinquency | 0.40% (p37 of band) |
| Net charge-offs (annualized) | 0.01% (p19 of band) |
| Loans / shares | 67% (p61 of band) |
| Cash / assets | 31.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.58% (p89 of band) |
| Operating expense / assets | 3.97% (p65 of band) |
| Vehicles % of loans | 23% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.21% (p25 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 19% |
| Average share balance | $8,211 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $20,727 |
| Loans granted, annualized | $17.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (11.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 2 | net worth falling, delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 0 |  | net worth falling, delinquency 2x band |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency 2x band |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | delinquency rising | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 5 | net worth falling, losing money, margin squeeze, charge-offs p90 |  |
| 2019-06 | 4 |  | margin squeeze |
| 2019-09 | 3 |  | charge-offs p90 |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | losing money |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band, thin capital |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | thin capital, net worth falling, delinquency 2x band |  |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 0 |  | thin capital, net worth falling, delinquency 2x band |
| 2023-03 | 3 | thin capital, delinquency 2x band, delinquency rising |  |
| 2023-06 | 3 | losing money | thin capital |
| 2023-09 | 0 |  | delinquency 2x band, delinquency rising, losing money |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 1 | repo signal | net worth falling |
| 2025-12 | 0 |  | repo signal |
| 2026-03 | 0 |  |  |

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

- 2018-02-09 [Tewksbury Federal Credit Union CEO Placed On Leave - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQTZIVzlXaS02MDBzcktVMUZXbFA3UnVINUNLejlrYmhTUEV1cEZ4Nzk3RTBoMTdJTF8wMV8zQWJuOHE4YnlhLWVnSTZYMC1YSGdtRElzS3IyYm95Z21SVnF3T3lwV2ZYTkpUalJmZkhtalpHU2laVy1sanU1V004VUhGaTBSa3BRWGo0aVE3NDA4dmc?oc=5) · Patch
- 2025-06-14 [Credit Union announces first scholarship awards - Homenewshere.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRi1mTnZLU1NaM0RQVk9pUDQzLXBqNXVxN2dYSnNTUEhfd21WM0REV3g4aU5qN2tFMXZQUWJoV2RscVc1UWtNeVV4dDFFS0Q5QlBMeklhekxYSnlSUWFsR1o2eGVPaWIzQm0wRm1GdmZXV3JCRzZSLWxGYXV5QjVlNU8yQWVXWFBLd05UMzdZM3Nvb2t4MmZaUE5LR25Ud3Nyb1E?oc=5) · Homenewshere.com
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Massachusetts - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmJPdGhIaWVPaHFvZ2lWVzJOZDVFakcwWUpsUFNQUWZUdDVHbW83OGFJSVpLVVFJanl4SjZUbjZGbXZCOWU4bHNIRjlmMUR2U2FTUjlhaVY0WkRXalRtU01VVl9mSzluUXNKc29CTGluQVcxdzFRWXpLWHhrRjZEVElWQlRPQUhhN1NvdHJDTFg2UDBFdmc?oc=5) · Newsweek Rankings
- 2024-10-06 [William L Blakeney Obituary - Tewksbury, MA (1953-2024) - Lowell Sun](https://news.google.com/rss/articles/CBMifEFVX3lxTFBSRTFVRXJlNk9EQ3BzeFlNMVdBOGhYRmlnYlkzVXFndXU5SUM5anVQalA0Q2ZMMHZGQTN5Z1pTd3dyNFpucnBFNEFVU3BxamxjcEhTaG1wZjl4YlVhWTZ0dklPeFQwT1VLejMxVHpEYVBYdGZoTENMWUIySkM?oc=5) · Lowell Sun
- 2023-08-09 [Two suspects arrested after allegedly robbing woman outside bank in Tewksbury - WHDH](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMldQbVpNZzA4d1dRX1N0OWd5MG1mSklyVDBmX2hZZm5zQUp5R3dxbHJ1bUc2RVZNalRUdDBrVzlPZGdmcnRUcmx2eDdsVGYzYi1xaTBRVVNtS0duWW9SQmlxMEx2eHcwUVJ3NlJjMGx4YmV1UWpMOTFvTUNQdzJ6V1ZWek5fbWVrN1FkWGVLbENjOGZBbVltSmpBaUJRSFdYNlE?oc=5) · WHDH
- 2022-12-09 [Hampton, Lee bank robber sentenced to nearly five years in prison - Seacoastonline.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMlFnY3lQazFPX2NFVVJKQnYyaUJKZkFZVktxanpfcXRuekxVWlZFakp3Y1M1Y0hYZVNzZ2ROMUtnUVNxTFo0b21BSUt5ekFlSlZQdWhLMGdEeEt0MUVOVGNRVWRlSGpadUR2WVNYRXdJRGdqYkxxYVVOR2dmbUxNYXFNRUtXN0prZi1JOXhoejVyQWtnZ2pMMzZadmNXYWktbHhwT0VrM0cydy1YWXctWnRFSGFSX0Z6eGx6SzFkcndMSHpFYmNpNjI0RWlhVlVmVXc?oc=5) · Seacoastonline.com
- 2018-02-02 [Employee Alleges Wrongdoing By Tewksbury Federal Credit Union CEO - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTmdwR0V2WmtZYVdHNjYzX25USkFqSGRvNGpIUG95RkU1TWN4dWVlV1NYRzJ3LUhDTFBZOVNvZ2hjYkpoU1B5OGpEX3dkb1RzZHBJbUVzMXpVSnFWRFk3MDdrdnVMVGwwcG1uT29LTlk3dVVyU2VSTFVSbHpqYXlPQUgxTmtsbldnTWYzTE5qMDBhcVF1MEk5Uk1JTi1KYkk4YUR1TUNlMA?oc=5) · Patch
- 2022-04-01 [Police: Lee bank robbery suspect still at large, may be connected to more crimes - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxNdV9rYkR5UlFwLXpvNXk2c1Ffb292ZmtXdHMwN2FHeWp3X1U3SG5ZSDlNSXY3OHY2cXU5U3pCYWdYSjhIU21iWU0xTEFhN3Yway1SVGpFaEJmby1hcVBJOFVpSVdYZmF6R3ZjLVNqcTdYV3VYb2pLVEFHMW1oWUVFY0tjaFlVZ3F4QmpkdnFCaGlhS29lc3pHeDR1YmlTZ1JvUkMzZjR0MkE5aTBtNTNvRERURl9wWHBkeDFLOFMtaG1RVmhWWFE?oc=5) · Foster's Daily Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13926 (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/38.json (key "13926", 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=13926
- 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