# NEW HAVEN TEACHERS
New Haven, CT · NCUA charter 19 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-haven-teachers-19

Who the members are: federal charter, educational (single sponsor), organized 1934. 1,047 members of 2,500 potential (41.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 23.

**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 | $10.6M |
| Members | 1,047 (-3.5% YoY) |
| Full-time staff | 0 |
| Net worth | $3.3M |
| Net worth ratio | 30.7% (p93 of band) |
| ROA (annualized) | 1.08% (p73 of band) |
| Total delinquency | 0.73% (p53 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 18% (p5 of band) |
| Cash / assets | 12.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.29% (p6 of band) |
| Operating expense / assets | 1.21% (p3 of band) |
| Vehicles % of loans | 74% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.99% (p65 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,341 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $5,510 |
| Loans granted, annualized | $710,600 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, assets shrinking |  |
| 2017-06 | 1 | auto monoline | net worth falling, assets shrinking |
| 2017-09 | 0 |  | auto monoline |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | auto monoline | net worth falling |
| 2018-09 | 3 | delinquency rising, members leaving |  |
| 2018-12 | 3 | assets shrinking | auto monoline |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | auto monoline |  |
| 2019-09 | 1 |  | delinquency rising, members leaving, auto monoline |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 2 | net worth falling, loan book shrinking |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | members leaving | net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | loan book shrinking, net worth falling |
| 2021-09 | 3 | auto monoline |  |
| 2021-12 | 2 |  | auto monoline |
| 2022-03 | 3 | net worth falling, losing money, auto monoline | members leaving, margin squeeze |
| 2022-06 | 2 | members leaving | net worth falling, losing money |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | members leaving | delinquency rising |
| 2025-12 | 1 |  | members leaving |
| 2026-03 | 5 | net worth falling, margin squeeze, delinquency rising, members leaving |  |

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

- 2026-06-24 [Nutmeg State Financial seeks merger with New Haven Teachers FCU as federal charter switch advances - hartfordbusiness.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNRV9wT1hxQ0FOSHNWR0J0RFR6MGJVblQ5Wlozdkl0clk0YThYVFZKM00wRlI3ZGZia1lFc3h4cTYxaUozN19kT1FyMTlvYmZfd3g3blVlUW8yZnN4RVYyZ2wwRmoyT2hvYkJjREQ0RWt4LVdfWDJLa05DQm80YV9HeHdEd21nMzZVbGItSmJTdTZ3VVpENXp5d01PVG80S2t3X3EzUFI0R1Zab2xLTVUyTjZ6Mll0LXQybmFldmVWSzBjZ2UyaS1nSGtzTlhrVGM3cVE?oc=5) · hartfordbusiness.com
- 2026-08-19 [CT LIVE: Nutmeg State merger means big changes - NBC Connecticut](https://news.google.com/rss/articles/CBMiswFBVV95cUxQbGtmSDVDR01zdHp6OEpka2N3LU9FMlhHcHRXUmtmb19CTjl4MUdHZFFzdGw1MzUxOWhBaW9EYmR2N2pWUEVMaDYwYXNXbXJmck1sSThKQW1Tb0hGeXViN3praUx6N1pRdmpkR0c0RlNrQ1dGRk1GSm1ESmhHYUcwOFZUZ2JXUHhpeGpBRmhQcEhZcFp2MjBKSkd4UEowZHAzc0hjaXJ4ZGJ2aThHZDNid1kxZ9IBuwFBVV95cUxPUFBFVHdEcGhGUUhCTGYtV05BNUJUbEZxYmRBaEtoZmFQMi1VZmRlME9Wejg3VFFtWHh6QS1mRnp2cUlHT1FYVHhjSFYzLVpDRkVtNXRLRDlCZmF0cFZnR3lEVTVSWktDMlpBY3JGNURJaGxoYWN5WEpaakFoM2pQZ3lzdDlUdzV0RldkaW5IaWxXMy0xVlh4VXZDa1dRZHdlUXlEWVd2akNLYUExRlVYaUZsWUl2NDhXdnNV?oc=5) · NBC Connecticut
- 2015-04-14 [Robert H. Hart Obituary Apr 14, 2015 - Plantsville Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Dczl3eW1Cb3lvZVZPb0tnamY5RWZqWGdzRGhQbWxuU3NpUWZLb3NHNWhuYWdFbExJaFMwOGNnTTVHbDlmRGkzcFZJc05mYm1CZk01aDc2X2lNb2RVQ0gyalhaZzUxX3RnSTA4dkRn?oc=5) · Plantsville Funeral Home
- 2015-01-10 [ALFRED MAIORANO Obituary (1923 - 2015) - West Haven, CT - New Haven Register - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUkYtRHdMb081VnNYWFdJVDZoQzAwMWR2Y2V4YTFQMGgwS1ZWeUxsQ0VlQm5UUnczTWN2ajFRc091YVlncXRDd2RfbUt6TTJsZzRZcko3cWNCVU5taGtZZXNhZ3l2OGRWYkVLN29sZ0ZqQnZ5eGNOUWZxOFYwU1NOa2p3ZGZ0TE1VRlZZTVMyUktUWVE?oc=5) · legacy.com
- 2013-06-30 [Catherine Morse Obituary (2013) - Hamden, CT - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPa2J3eFJHNmR3ckRNMi01U29GMnZmV1RlcWNLYmRxbFVmRTZkaU9XcWJVYzhRbVVQWDgtMjRwMU1pVU5uMDBMLTMxRHZZS0ZTcWlzT2dtakVteGowR0ZwT0VWS3RlTWlBZGVWWVFsUXBRX19jbzNQWVlFRHFhOGJjZncwcnRIVDQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19 (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/19.json (key "19", 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=19
- 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