# NEW ENGLAND TEAMSTERS
Charlestown, MA · NCUA charter 21507 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-england-teamsters-21507

Who the members are: federal charter, multiple common bond, organized 1973. 4,023 members of 216,000 potential (1.9% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $75.0M |
| Members | 4,023 (-9.3% YoY) |
| Full-time staff | 6 |
| Net worth | $9.5M |
| Net worth ratio | 12.7% (p49 of band) |
| ROA (annualized) | 0.98% (p65 of band) |
| Total delinquency | 1.73% (p90 of band) |
| Net charge-offs (annualized) | -0.03% (p8 of band) |
| Loans / shares | 40% (p13 of band) |
| Cash / assets | 16.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p15 of band) |
| Operating expense / assets | 2.61% (p19 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 5.31% (p99 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 39% |
| Average share balance | $11,094 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $17,415 |
| Loans granted, annualized | $1.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (16.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 1 | members leaving | losing money, delinquency 2x band |
| 2017-06 | 3 | margin squeeze, delinquency 2x band, delinquency rising | members leaving |
| 2017-09 | 4 | net worth falling |  |
| 2017-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 3 | losing money, delinquency 2x band | margin squeeze |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 3 | thin capital |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | assets shrinking, members leaving | net worth falling |
| 2020-03 | 7 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-06 | 6 | net worth falling | assets shrinking, delinquency rising |
| 2020-09 | 8 | margin squeeze, delinquency rising |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 7 |  | delinquency rising |
| 2021-06 | 7 | delinquency rising | margin squeeze |
| 2021-09 | 4 |  | losing money, net worth falling, delinquency rising |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | assets shrinking |  |
| 2022-09 | 6 | delinquency rising |  |
| 2022-12 | 3 |  | thin capital, loan book shrinking, delinquency rising |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | members leaving, delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 3 | delinquency rising | members leaving |
| 2024-09 | 3 | members leaving | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | margin squeeze | assets shrinking |
| 2025-06 | 4 | net worth falling |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 2 |  | margin squeeze |
| 2026-03 | 2 |  |  |

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

- 2025-03-03 [Riley-King - odonnellfuneralservice.com](https://news.google.com/rss/articles/CBMickFVX3lxTE85QmsyejFGcEo2Zzgta0dUUXJhcEdKMzZFSzl4Z0ZoNkVyV2tHazlvNUtmTXVCQWJhYVNpM1ZpUENQVjk3TUEzNzBmd0J1WWwzR3Q0eUllbXM4UUFhN1JKSnhlLVNtUldmczdMNkhZbVVkUQ?oc=5) · odonnellfuneralservice.com
- 2022-06-05 [Richard Meuse Obituary Jun 5, 2022 - mcdonaldfs.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB5bUhmVHVJREMxR3B5UFhjWmE0ZVBIU3A5QVJqU2s5OWVqR21WQl9YM3c4UHJLcmkzQVlzTTE3MklIcTFYRDFxeVh6b3FMLTd5R1NaNmpWQ0FGXy1GY1F1Nw?oc=5) · mcdonaldfs.com
- 2003-06-22 [Marylane Foster Obituary (2003) - Melrose, MA - Boston Globe - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTmM4N0ZwTmVrYXpLamN4NDd3MldmSkZaTkpjZDdMdThFRlJaTFJ2M1JLZjNHcHF0RTlxUlFscWpjbkpCdzRpaVFrd3RsUjNxU0dUNkdHSkV5UVR6S1VGM1lralQxemlXeE5XMi0zWWVYaFZ5MlVwNGF0T29JcFY0ZUdub1Nzcm9VWlZ3YnI2YnZBZ1V0?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21507 (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/3.json (key "21507", 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=21507
- 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