# IMMANUEL BAPTIST CHURCH
New Haven, CT · NCUA charter 23835 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/immanuel-baptist-church-23835

Who the members are: federal charter, associational, organized 1981, low-income designated. 188 members of 600 potential (31.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 5.

**Verdict on the desk:** this could be *ordinary*. 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 | $107,370 |
| Members | 188 (– YoY) |
| Full-time staff | 0 |
| Net worth | $8,297 |
| Net worth ratio | 7.7% (p8 of band) |
| ROA (annualized) | 0.80% (p84 of band) |
| Total delinquency | 63.36% (p100 of band) |
| Net charge-offs (annualized) | 0.00% (p26 of band) |
| Loans / shares | 27% (p10 of band) |
| Cash / assets | 54.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.98% (p13 of band) |
| Operating expense / assets | 2.47% (p25 of band) |
| Vehicles % of loans | 0% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $713 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 5% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $2,935 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 2 |  | capital below 7%, losing money |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2021-12-05 [Obituary information for Bill R. Hensley - Holloway Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9OYXlQSk9ad1JkTEJORm51TEdQT2poSmVvMnp3amt5QzZCcVdTNTRFTHRIckxEeC1jSXpOSlpob25nQmhnT3UtRThkNXpvTjB4V0pUcnpZcmU3b1A0YUdJakpFMF9ScUtjQnJMc05tZWZBYmpa?oc=5) · Holloway Funeral Home
- 2026-08-20 [Radiothon raises $300,000 for Studer Family Children's Hospital - Pensacola News Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNOS1FY01XTXNlclVqaVA1Njlla1A2YnZyS1NodFUwTzVUb2NqZVJSM09GMUozaDZXOHZSLXdFZjlLdXVTMHU2TkgwSklkMk1oWGZVVEF1Wkl0VUNVdEw4dWpKOHFEUmRGcDJRUWhqRUZraDBURDdMZVZpeFU2WDNlX001QUhJRE5VVG9DT3dxcEs4QmFuN3BVMThzY0daVkpneWo1aWdiZ1FEU3JIcEFIV3MxNWd2YjBocHZtd3lYdlZGOHBVd080bEJKZUg0OHFQRGc?oc=5) · Pensacola News Journal
- 2015-11-17 [Daily Herald honors 20 young leaders - Wausau Daily Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxObHdzM2d2MkpFSVRWSFRmdkRsVkJIUDI2d0k4QlBNeXFkS2x4YzV3eG4tRHpIb1NhM2N1anlGTWdxUUpKZEtPZW9sZmZJTVhhOTZuYV9wTlEtNERYRnFmNHN1MVE4T1Y3aFZXQlY5RnlsRzJEUFdPVW5uUVhZZzkxUVNyQktVMkcwalY5OGZVNjg0Z1RnY08wTjJFSzVOa2dUTVY3aQ?oc=5) · Wausau Daily Herald
- 2011-06-20 [Erin Laffin Obituary Jun 20, 2011 - Reynolds Jonkhoff Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0tOC1WTGZfNWc1SFZUUEtxOXNNYlhmT1kyT2dZbnZxalc3emVfakxRX2t4RS00dm9kSEdBdHZsYUZnaTBpaUJFVExkVlRyQk9HcUllM3BWRm5ramFFeTVHWjdjdkNjbFk?oc=5) · Reynolds Jonkhoff Funeral Home &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23835 (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/27.json (key "23835", 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=23835
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide