# TAUNTON
Taunton, MA · NCUA charter 5602 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/taunton-5602

Who the members are: federal charter, community charter, organized 1947, low-income designated. 19,214 members of 2,475,561 potential (0.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $433.5M |
| Members | 19,214 (-0.6% YoY) |
| Full-time staff | 81 |
| Net worth | $51.7M |
| Net worth ratio | 11.9% (p60 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 0.43% (p33 of band) |
| Net charge-offs (annualized) | 0.05% (p9 of band) |
| Loans / shares | 83% (p72 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p57 of band) |
| Operating expense / assets | 3.43% (p38 of band) |
| Vehicles % of loans | 16% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 97% (p55 of band) |
| Vehicle delinquency | 0.22% (p18 of band) |
| Vehicle NCO | 0.53% (p45 of band) |
| Repossessed % of vehicle book | 0.15% (p80 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 195% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 37% |
| Average share balance | $9,093 |
| Participations bought / yr | $0 |
| Participations sold / yr | $6.4M |
| Participations outstanding | $154,019 |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $52,759 |
| Loans granted, annualized | $110.5M |

## Participation posture (from the same filings)

Bought $0 and sold $6.4M in the latest annualized quarter; $154,019 outstanding purchased (0.3% of net worth), $1.5M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 7.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | loans>95% of shares | charge-offs p90 |
| 2016-09 | 2 |  | loans>95% of shares |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | margin squeeze, charge-offs p90 |  |
| 2017-06 | 4 | net worth falling | charge-offs p90 |
| 2017-09 | 2 |  | margin squeeze, net worth falling |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency 2x band |  |
| 2018-09 | 1 |  | net worth falling, delinquency 2x band |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | loans>95% of shares | delinquency 2x band |
| 2019-06 | 5 | net worth falling, delinquency 2x band, members leaving |  |
| 2019-09 | 4 |  | net worth falling |
| 2019-12 | 2 | margin squeeze | loans>95% of shares, delinquency 2x band, members leaving |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 3 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, delinquency 2x band | margin squeeze |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 3 | members leaving |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 2 | delinquency rising | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 0 |  | 3rd-party paper>100% NW |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

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

- 2026-02-13 [TFed Credit Union celebrates the opening of their Wareham branch - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPN2Z6YVlVbHpaMzR0ZzlkS3NHYnItVWFadDFSRmtPWWhrWFRzMm5rY2ktQ1FGQmZOVHZkb2dMaDE0SkhHcERTa3VYQ1lOcW5BNUY1czBDd1EzbndXZW9hdTBTNUdYWlJJdU1GX1dhT0N0aDMxN2s1UENyYVVDS2dqc0l0Zmk5bzI0VEI5OU1HLUdic1FCMjQySFdUb254TmhyVTRCVmtvQng?oc=5) · CUInsight
- 2024-08-01 [Former Mr. Chris Hair Salon building eyed for Taunton Federal Credit Union branch - Wareham Week](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOSUNpTmxnaEo5RDFJT3lPMkZYRUZnMWNDRzRHNC1PT05VOUFMNE5rd3l5NndHNkdrOEFFaWlLOWhpY0pwSWZJQUhGcHBQZ0tEeTVhUFJrdEpaS3hpbDNheWhOTEd4cUphbmk1a1cxVVh6YmI3VFpIZzNjUTZSUXBCVkpmY0ppS0ZvZEN3LTZUZzh4MGZCUzU0UklLaFRoVHM2R3V2SnQ3cVNqdVBNWHdxMXNVV1ZnVnNlS29zRGVULVA?oc=5) · Wareham Week
- 2017-09-11 [Raising community involvement to an art form - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaGh3RG5scm84VWp3Y3BCOTB0UzN4T1lsMUFqdjBSeVdCSU9rVWNoQlBCak1zSGdiOEEycjhuZnZlOFdhN3pnZUdwLXl3aHZHRDBzTFFzM3lfMm9vbWYzSnBPWG9yY2xOeEl2U1MzeUZNZDNyQ2RmTTdTTEVHR0hnOWc1enUyLWx4UjAzTHBweWg5TFR3dzljSmVkbzc1M2ktWUN5b1hyR09YdlE?oc=5) · American Banker
- 2015-01-12 [Massachusetts Law Enforcement Agencies Seek Christmas Eve Bandit - fbi.gov](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQSlVfTHBoVU14VXJqN09ZV2FGQUxFVUExcnloUUVmbzc2Tl90SU5tYWRmakQ2dVV3RWxONWwxU2R4eG5qLXdVSks1Y1Y1eW8wRnZOWFp1NHktbm9iZUVaVk9Pd1FYQVZjaldwQXcydWdWam42ejI1SHNZMWhaX1hSazFkMU8yR3FnNDZZanZCRkR4aGozMXVmaDk0X3AyVG9QcDEtN3c5Zno1QUlzdW5GbGUzQUlPc3lJVGZoLVBCWVVMLVp2NlREY0RjWkluSnpSblE?oc=5) · fbi.gov
- 2018-04-09 [Taunton Federal Credit Union CEO plans to retire - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQW55Q1J1d1hoUmZBY25sbmZuU0k0Um1feENDWUdham9jY0E2MFdMVDBQUFlBd0pkeHJBTFcwUHhxclNMb3BvQjBCajBpeFZWYkw0TGVqMWtxZ094Skp1MXJjQ1h4WndWWVoybl9rZkhtUk8zUDZSS3NPZGl3Rkg5RWdFMW5HMWVDMkhTNWpPeDdFYll3OG1QUmRudGN1V2JoaHdzMGszSkQ0aGhER3c?oc=5) · Taunton Daily Gazette
- 2025-07-09 [TFed Credit Union awards $15,000 in scholarships to local high school seniors - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxQX3JaR05KbXNEN3paVHNRaVRtM0xTZGZ6Y3hXVEVqS0V3dE5xRHZoeWVWMnpDZXoxSUE5UHNZdEtWd2NYRkpIOFp4ak93TVVoR21jeHZrMFd5c3E0Qi1aWmxHZGtSOS05UXZscFcyTmdtb3BhTUM5OXV5WUVqYVI4YWR3MXFfZVZ1QjQ0cUxXRGoxN0s4MFVITTZPY0xCZEQwcENEczVlZ3dqY0haNnFQcEdkYzJXa3c?oc=5) · CUInsight
- 2025-04-19 [Obituary for Shelby Lewis - O'Keefe-Wade Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE45Sm9VclBmME9mZW9HWnIzWkZ5UUtFRFVpb3RFYWxCS3h6b0RzNGJTd0pYdFRLNFdpTjB2TlRfYV9NMDY1YkFqd2RMLW9sRXgxNldXNnpfR21Va0E5?oc=5) · O'Keefe-Wade Funeral Home
- 2013-09-11 [Sheila Ann Baptiste Obituary Sep 11, 2013 - Dyer-Lake Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMicEFVX3lxTE9xY2FqQTY5RjVQUGJkQzdXb05BRnRDUUhVbDljbC1yVzBZVjUtMlRHSzZDdnZSX01JMUR3b2tHRVQ0UlNwaUpIVlFxUnY0cnItZS1vMGtBNDViTGFEZTdxa2dFM0NpQnRmbFZZOU1RTGw?oc=5) · Dyer-Lake Funeral Home and Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5602 (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/34.json (key "5602", 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=5602
- 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