# SCIENCE PARK
NEW HAVEN, CT · NCUA charter 3790 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/science-park-3790

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated, minority depository institution. 591 members of 135,319 potential (0.4% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 33.

**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 | $3.7M |
| Members | 591 (-3.6% YoY) |
| Full-time staff | 1 |
| Net worth | $757,910 |
| Net worth ratio | 20.4% (p76 of band) |
| ROA (annualized) | -0.04% (p22 of band) |
| Total delinquency | 4.65% (p92 of band) |
| Net charge-offs (annualized) | 0.05% (p55 of band) |
| Loans / shares | 83% (p85 of band) |
| Cash / assets | 22.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.99% (p86 of band) |
| Operating expense / assets | 5.45% (p84 of band) |
| Vehicles % of loans | 90% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.70% (p94 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 | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 16% |
| Average share balance | $3,570 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,483 |
| Loans granted, annualized | $665,804 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **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 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 7 | net worth falling, expense trap, delinquency 2x band, delinquency rising, assets shrinking |  |
| 2017-06 | 6 |  | delinquency rising |
| 2017-09 | 7 | charge-offs p90, members leaving | delinquency 2x band |
| 2017-12 | 6 |  | charge-offs p90 |
| 2018-03 | 6 |  |  |
| 2018-06 | 5 |  | members leaving |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | members leaving | assets shrinking |
| 2019-06 | 6 | net worth falling, delinquency rising |  |
| 2019-09 | 3 |  | expense trap, net worth falling, delinquency rising |
| 2019-12 | 3 | delinquency rising | members leaving |
| 2020-03 | 5 | delinquency 2x band, assets shrinking |  |
| 2020-06 | 4 | net worth falling | delinquency rising, assets shrinking |
| 2020-09 | 3 | expense trap | delinquency 2x band, net worth falling |
| 2020-12 | 4 | members leaving, loan book shrinking | expense trap |
| 2021-03 | 5 | net worth falling, margin squeeze, delinquency 2x band | members leaving, loan book shrinking |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 | expense trap, delinquency rising | net worth falling, margin squeeze |
| 2021-12 | 4 | assets shrinking | delinquency 2x band, delinquency rising |
| 2022-03 | 5 | delinquency 2x band |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | delinquency rising | assets shrinking |
| 2023-03 | 3 |  | losing money, expense trap |
| 2023-06 | 3 | net worth falling | delinquency rising |
| 2023-09 | 4 | delinquency rising, members leaving | net worth falling |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 5 | charge-offs p90, assets shrinking |  |
| 2024-06 | 4 |  | charge-offs p90 |
| 2024-09 | 3 |  | members leaving |
| 2024-12 | 5 | members leaving, loans>95% of shares |  |
| 2025-03 | 4 |  | loans>95% of shares |
| 2025-06 | 6 | net worth falling, losing money, margin squeeze | assets shrinking |
| 2025-09 | 3 |  | net worth falling, losing money, margin squeeze |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 5 | losing money, delinquency rising, members leaving |  |

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

- 2023-09-07 [$50M apartment development taking shape near New Haven’s Science Park - Hartford Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONkc1QWxHdlZNUmZiMGQtS1ZrN3pUQTNuODFuTW14N1Vkc0lSM3dSaTlYZ0ZPZENLNXdoT2hnQVQ5WnUzamY5MVNfcGhHdjZ4UmRtSldxWk85aFpWYjJaVVlxVVBmTGZGTXNNZWxLcmdZaTlnNHFHb1pQMkNHaUZhek9hNUY0MVp4Vk9MYUhpeHQ1aXVrTWF1c25jOVJuVVVOMkxfWEFDci0?oc=5) · Hartford Business Journal
- 2024-02-01 [Will She Live In "Winchester Green"? - New Haven Independent](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUF9ISFZGSEtKcV9sZEVQMXBXS2d2S05yeXNUNkg2a2JkU1o4dURld3lLaFoySGtPTVNmZWZoRU50OWY3RkwwdDVKZFVVbW1Oc1EwZE5JSTRjaUhYZjNaZ3hTaFM3Zy1QTkhVMWRIRmw0SGR4Qk9lLUFpMS1WLUpadF9MLWVzTnlta0d6dS11ZFJtRXFQSEh2ME1R?oc=5) · New Haven Independent
- 2022-06-14 [ConnCAT Celebrates 10 Years, Looks To The Future - newhavenarts.org](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVmdSLVhfVkJKeGpkeWZER1RSZjA3Tks3aWQyVG5OUjVRX3laZWpuMWloTUs2Y3ZoTHotYW9ra1QtbVI3cndzTTJLV252VEFwQVJCMno4QXZIdHNURF9jalczOEh1NENyRU9rQTVqQlhzbS1LUFRUem9FeG03YWJ3Nzl4OUxKYzdEclg2M1c2OGN5TFRqbHdyQkwzUkjSAawBQVVfeXFMTWQtR2d0bmkyQmUzalJvUzBvdmI3OElVVmxJZkpmOUpFNHNmVGxBMGNCZ0dQVUZvQUs1QUdfSHlFYmRWaUpXTlpkUG9IZndSRjVsbmRNZ2dhd29rcEJTd2FCRjhjdFNiZTI2QzVZci1LTm9tZGJIUE9idGh3OVE0REJ4RG05NkdJTzBFV1VRQ21QZ1J0dmc1TWFGZ3ZnVHlaWnM1SnAxSGpuVURXTw?oc=5) · newhavenarts.org
- 2018-02-04 [Robert K. Berg Obituary Feb 4, 2018 - fordfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5UNmRBYlZhNkZjUWJFUjd4d1h6Rm5LRUdRSHNiQ2gxMTJpdVl5c202dUdCSVpLSVhGeG1DN3l2WXJLQWp3MTZ2RFBqY3FRdXVMcUJlbkJFVTZ3WWs?oc=5) · fordfh.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3790 (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/14.json (key "3790", 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=3790
- 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