# TRUMBULL
Trumbull, CT · NCUA charter 61838 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trumbull-61838

Who the members are: state charter, organized 1974. 422 members of 3,000 potential (14.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 17.

**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 | $3.0M |
| Members | 422 (-4.1% YoY) |
| Full-time staff | 1 |
| Net worth | $431,223 |
| Net worth ratio | 14.2% (p45 of band) |
| ROA (annualized) | 0.76% (p59 of band) |
| Total delinquency | 0.24% (p33 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 43% (p28 of band) |
| Cash / assets | 62.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 2.47% (p19 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.46% (p50 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,816 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $15,469 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | assets shrinking |  |
| 2017-06 | 3 | delinquency rising, loan book shrinking |  |
| 2017-09 | 1 |  | assets shrinking, loan book shrinking |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 2 | losing money | assets shrinking |
| 2018-06 | 2 | net worth falling, members leaving | delinquency rising, losing money |
| 2018-09 | 1 | assets shrinking | net worth falling, members leaving |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 2 | assets shrinking, members leaving |  |
| 2019-06 | 1 |  | members leaving |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 3 | margin squeeze, delinquency rising |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | losing money, members leaving | delinquency rising |
| 2021-03 | 5 | net worth falling, loan book shrinking |  |
| 2021-06 | 6 | thin capital |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 7 | assets shrinking |  |
| 2022-03 | 5 |  | margin squeeze, loan book shrinking |
| 2022-06 | 5 |  |  |
| 2022-09 | 3 |  | members leaving, net worth falling |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 1 | thin capital | losing money, assets shrinking |
| 2023-06 | 2 | delinquency rising, assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | members leaving |
| 2025-03 | 1 | loan book shrinking |  |
| 2025-06 | 2 | expense trap |  |
| 2025-09 | 2 | assets shrinking | expense trap |
| 2025-12 | 2 |  |  |
| 2026-03 | 5 | margin squeeze, delinquency rising, members leaving |  |

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

- 2026-02-12 [State banking regulators cite governance, compliance failures at CT credit union - Hartford Business Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNblU0a01DVnhRMlVSN2VYMVR5VFdfRmZ4Z1dSS2lYRkY3a21pYzFCTUJ5dGxvOHBDdk9wVUxjYzBvbkVxaUFpVl9yem1McDAyNUc5V1AwNzB0NURPdEFTWllueW8xWWNSVWl4VDlRMDJIa0hOeFRWc0llWXltRDFJWVFfaDhDaFBYQ0xrVGxnVDV4Y19qNmhWX2ZVMFFBRWRiZTdHNHBZYUlaU3BTcjE2NU0zcWJaTjZf?oc=5) · Hartford Business Journal
- 2025-10-09 [[ARCHIVED] 8/12/23 Update: Congratulations to Trumbull’s Babe Ruth 14U Baseball Team! - trumbull-ct.gov](https://news.google.com/rss/articles/CBMib0FVX3lxTFBrLWRNS2lxRTRJcjZ0STYwYlRNS3hrOE44aFhHX0F1R1c0MXd0dUhtNVFsS0dCSWhxZWM5RWVRMnN4alUtMlR0YmhqR0ZKSVB3T2VuQXBKUm05NmgwWGd2OV9CY3JBVU1SdWxIbVM1TQ?oc=5) · trumbull-ct.gov
- 2025-06-10 [Trumbull Students Receive 2025 Scholarships From Sikorsky Credit Union - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxNemI2Z3FYMWpkd3dvNXBTTm9keWZ6SnRQZlB4cmRveFdaNmNNOTA0dHdMbFhvSXNJcVE1aFRGMkdsaDUyTjBlR1VaTWE5V2VTRnhUMUNGZ3J0a2xfeUEyUDkyeWNXc2tqN1lGS1JmZEpLSExCREhQaktiSzZEdFBfQVVMa0wxY19oRnlqNWhBN1kyU3FCVDFZS09paTdOd1lfbmh4X29NNA?oc=5) · Patch
- 2022-09-08 [Sikorsky Credit Union opening Trumbull branch next week - Westfair Communications](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSW00QV9UMGtaTjE1Q1RGdUZtaUl0VVVqREZkcTVTYkhCbTI2Wi1ucGtYcGI3TURhcG1Ea2VkQTNrOFN6MnBiZFg4d3FwNFpDc1Z2REt2djhOX1I4dVlNWEh0YWtWZjQtbUdaT25jRmZ0YTdXRmtGdGtJSVVMUDRwMVJRTEFIQ0NiV1VVd2lTOVEtemZLSnFkTWhHbW0zZHV2?oc=5) · Westfair Communications
- 2025-06-06 [Sikorsky Credit Union announces scholarship winners for 2025 - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxQbTkzUE9rbXA1c3pEOXlPWmhEaUxWQU51UzV0V1o1TnF6bzhqWUNpZGhtT0pPZXFrWU5ZaEtDR01kSlhheU9jaUlPQjBNbGZzT1RCTUZZbkh1d1VZUER6THhzQlVHRy1IQlZqUHpjUHBSZjhmRTg3M2dhXzBzLU9CTF9laGhZTjd1MzFraVZxT3NJNXZBZkl5azE0c1N0UU0zWlpN?oc=5) · CUInsight
- 2022-11-23 [Sikorsky Financial Credit Union seeks to acquire Bridgeport City Employees Federal Credit Union - ctinsider.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOUVFKSDNmb0w2aDJoMVppSkc4V1lfUEpvd3ZZM3lvS05kYVY2d1g2OTN4d05raXVMUzRPSHo0d3dNNjQ4V1RyQklpWE9HbGZKUmJJS1BkSjlKbVF4VU93aGZTZXdhVnE5cm5vcWgzMGhKUHdUbWhNSm8xMUdsdlpzb1ZlQkQwYmV4eWlMWWpFclgxWDZxcGMwOHFNNnY2YVE?oc=5) · ctinsider.com
- 2020-01-22 [Trumbull credit union relocates home office to E. Hartford - Hartford Business Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxOWE43Ym11WmJtMlNXdUNsTU1YMjJXcllSQ2FWeGlYaW4yTWY2Sm1FT1BvLXh1ek05RHpSVEt0LVYxeElSMThScUU4RHdoV0c1dGhSNlFOcjN5TXZ6bEd4U3dpdzRSdWVyeUdJeGNUY1NTUFI5TFdfYm1hMkh3TXVfVXdDTEFWXzFfSmRtWjkxaXJHXzY1Y3I5SWtlOA?oc=5) · Hartford Business Journal
- 2020-03-31 [News Flash Archive - 03/31/2020: Governor Lamont Announces Mortgage Payment Relief During COVID-19 Crisis - trumbull-ct.gov](https://news.google.com/rss/articles/CBMibkFVX3lxTE82NU01aEhrdnVXazhZdW52ZjNTYWhIMC1hV1JOcVg2LXJoSWp4cU9XMjNvN1MyU0d2RDVoVzEzYkxxREp1b3E3OUViQ09pNldreXUwWjVYQkZDekQtM0ZUaDdVd2RtMXlMSWxtODd3?oc=5) · trumbull-ct.gov

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61838 (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 "61838", 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=61838
- 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