# TAUPA LITHUANIAN
South Boston, MA · NCUA charter 23803 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/taupa-lithuanian-23803

Who the members are: federal charter, associational, organized 1981. 1,780 members of 10,000 potential (17.8% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $29.6M |
| Members | 1,780 (-0.3% YoY) |
| Full-time staff | 3 |
| Net worth | $2.9M |
| Net worth ratio | 9.8% (p15 of band) |
| ROA (annualized) | 0.42% (p42 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.08% (p57 of band) |
| Loans / shares | 109% (p98 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 11.60% |
| Net interest margin | 2.18% (p6 of band) |
| Operating expense / assets | 1.79% (p8 of band) |
| Vehicles % of loans | 2% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 94% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 21% |
| Certificates % of member funds | 68% |
| Average share balance | $11,366 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $395,277 |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $24,350 |
| Loans granted, annualized | $3.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $395,277 outstanding purchased (13.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 3 | loans>95% of shares | delinquency 2x band |
| 2016-09 | 2 |  | thin capital |
| 2016-12 | 4 | thin capital, delinquency 2x band |  |
| 2017-03 | 3 |  | thin capital |
| 2017-06 | 5 | thin capital, delinquency rising |  |
| 2017-09 | 4 |  | thin capital |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 2 |  | delinquency 2x band |
| 2018-06 | 4 | thin capital, net worth falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 | delinquency 2x band | thin capital, net worth falling |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | assets shrinking |  |
| 2021-03 | 3 | loan book shrinking | delinquency 2x band, delinquency rising, assets shrinking |
| 2021-06 | 2 |  | loans>95% of shares |
| 2021-09 | 1 | assets shrinking | leaning on borrowings, loan book shrinking |
| 2021-12 | 1 | loans>95% of shares | assets shrinking |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | net worth falling, leaning on borrowings |  |
| 2022-12 | 1 |  | delinquency rising, net worth falling, leaning on borrowings |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 4 | net worth falling, delinquency rising |  |
| 2024-03 | 4 | margin squeeze | net worth falling |
| 2024-06 | 5 | delinquency 2x band |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 3 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 3 | net worth falling | margin squeeze |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2021-10-06 [LISA RINI BEARDEN Obituary (2013) - Willoughby, OH - Cleveland.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPemRfRU1aVXFvVDU2ZmlGTEVpM2RnaHp6ZlZiYks2RnpLN0xsR1F3aFNtelNHUU1CbDR5cEZIemQ2aC1kNmRMNF9uelpwZXR0VUZKTm1lTnBMWVpLRGZwUEUxVG5RS0l5NFR2Y3doYzktY1M4RXFXcTl3R1pMZm9hMDBWNm1IVENXRnpRM1RfVEJXN0ZXV1Nac25IVQ?oc=5) · Cleveland.com
- 2024-04-27 [Marija KETURAKIS-McCARTHY Obituary (2024) - Boston, MA - Casper Funeral & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYWthb3BmY3RWRjI5d0xYNVc5a244cTBGbkxHUExLei0tR1JTY244SUQ3TnhLYXZyOFI4Slh3bmNHdVhsdUJROXgyT3BjQ3dOWXZhSEctS0VBeDVDZzlocGpTd29OWG5IS25YcjZ4OEhiSDVBbWNyNjQtZVlLYzhQWno5bmFwX2dkSVFkZ3RZM3lvQQ?oc=5) · legacy.com
- 2009-05-05 [Peter Molis, 85 - Worcester Telegram](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSjFJTHJId19DcXZzYm54S2RWYmxBdzY4cENCVEZTT2I1RHZVNHF4STlTRENGc3RQTFowanpkV3ZHa2gyOUIyb0RkbXVtRTUwbjdybVdIeDlQSmJQMjgtSHd5Ykkyck9OQWZIRWh5cTdEbVB4OG02U3hwODlXeHhRZnpaWEhxWFJwMHdyYW1NZ09kSDVxZDJr?oc=5) · Worcester Telegram
- 2021-10-12 [ROMUALDAS VEITAS Obituary (2017) - Milton, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSGRpdEJpeHZOM2tSRlFaNWdYVEJxTGVRaUdldmJubmxDajFWdmZZZmx4QmVhakNpc0hHamNJcTVSeGtja0FPNzdhTE8yUElBWUthVWRQTFpvcWU5YjJfMlE0Zk8tSU41NkREZFBud2plQ2cyclFMVFo2Y1lZOE5hN2RwdDdyMjRSLXVlaHlFOE9fYkhF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23803 (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/59.json (key "23803", 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=23803
- 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