# NEW HAVEN COUNTY
North Haven, CT · NCUA charter 65809 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-haven-county-65809

Who the members are: state charter, organized 1963. 3,250 members of 75,000 potential (4.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.1M |
| Members | 3,250 (0.2% YoY) |
| Full-time staff | 5 |
| Net worth | $3.5M |
| Net worth ratio | 10.1% (p17 of band) |
| ROA (annualized) | 1.14% (p75 of band) |
| Total delinquency | 0.34% (p38 of band) |
| Net charge-offs (annualized) | 0.55% (p77 of band) |
| Loans / shares | 56% (p47 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p70 of band) |
| Operating expense / assets | 4.00% (p60 of band) |
| Vehicles % of loans | 28% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.47% (p50 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 12% |
| Average share balance | $5,284 |
| Participations bought / yr | $1.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $460,000 |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $19,229 |
| Loans granted, annualized | $8.3M |

## Participation posture (from the same filings)

Bought $1.8M and sold $0 in the latest annualized quarter; $460,000 outstanding purchased (13.0% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 12.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | losing money |  |
| 2016-12 | 5 | expense trap |  |
| 2017-03 | 7 | net worth falling, members leaving, loan book shrinking | expense trap |
| 2017-06 | 6 |  | net worth falling |
| 2017-09 | 4 |  | members leaving, loan book shrinking |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 5 | members leaving |  |
| 2019-03 | 5 | delinquency 2x band | members leaving |
| 2019-06 | 3 | members leaving | capital below 7%, delinquency 2x band |
| 2019-09 | 3 | assets shrinking | delinquency rising |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 3 | assets shrinking |  |
| 2020-06 | 7 | capital below 7%, net worth falling, margin squeeze, delinquency 2x band, delinquency rising | members leaving, assets shrinking |
| 2020-09 | 6 |  | net worth falling |
| 2020-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | delinquency rising, assets shrinking | capital below 7% |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | thin capital |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-06-04 [Nutmeg State Financial Credit Union seeks return to federal charter to push growth beyond CT - hartfordbusiness.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOZXJLVnd6VVhZeUlkYjhzRExEeGZsS0NPdWxoQnM4a2FQakRmaFFNWVNpS25McDNHdnp5VjJIVEt5QWRIcVNmQlc4ZHZvWlVoZlZQelAwMnRIVkdaU3kzWTI1QWd5b0JlUjZZN3lhb1hWSkloc3czWE5tQlo1bi1KemxLNzhtcVN5Z3l6b1ZlcGNSbV9oTEgwLU1iSVdGaWhwTmJBRnBlcDBnendDbGtxMGxuaGRyZEYwcWlHR3NBVThHclJnalFHR015ajFyWndEMnJKdHNweGRFQ3VveFQ4N0pMWQ?oc=5) · hartfordbusiness.com
- 2026-08-28 [Heavy Rains Pay Off — Tolland County Drought Advisory Lifted - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxPY1dvZHhkV0NKQ0g5bXRBOVplNlJ2Q0RDeGplUGk3VVlrYkc1MFlMYnlPeThVRlpHQkM5OFlHYVdYQUVhb2otRDY4d0dqMjAzZGprcEdUWlBlSzBOWk5fUS1zcUx5OVBWZ1NpalFDVVk2VlBMTlQ5X2FfbE9DbmpFeUZ4RFlKZDV4NGowa1hJZGwzWGZ1N0E?oc=5) · Patch
- 2025-12-01 [Connecticut credit unions with 65,000 members complete merger - ctinsider.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVptUVVsd3hwanRwbFM2RC00b0pZSnI5N20ySWRnRk5xcXYybjRNYldaUzY4dG9KdW5FRGRpcmE3NHBxZVdTSHdEdjVOODRjMzNvQ3BTcWVueUl4bG1uQlBhakVrOUkyQlFGNnQxZjJ4Z2R1M2VvTVYwajY3NkpxblV4aHpPX1dNQm1hY0VoOE9uS3NIVExtSy1iQTlWalBLdERZSTlodjQ4UQ?oc=5) · ctinsider.com
- 2019-09-24 [American Eagle Credit Union opens North Haven branch - New Haven Register](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbThLcU5QUm1LS2syNXBSVjJ2ZGdyUV9IV3A0MWtSMWgtRXhNOHBKcXZQODMzMUVHaDFoYW81aG9NYnBwTnMzUGZOZ295cGRqSGpCNmdHd1RpR1pTTHJfY3BGZFZoak5MRnJadjhFVlRqWWhRN3ZKdEZSNkJvZm5tZWVQS21WUXE4Qmk5ME15SlVLdjNMUjc1MGxoX0ZwUWxzRzREOA?oc=5) · New Haven Register
- 2025-06-04 [Connex Credit Union temporarily closes branches, ATMs - fox61.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPNXJNZTlGVlVtT0JwR2dBNksxTFhuclJnUFpMc3N0NlZrRS1XbW5DTzRvbDZxRFNGRkEzVUl4Z0tKRG1JR1lrZ2dtcXVmcFBfQ1B3dGEwaVBhUjNUanZ1UE9QMXZzRVlDcWZZZ2JGNi0wM0lDd2cyT055cTZITVZka2RHb0gyMHEtaG41RjRNbzRvbFdmUUphV1BzajZmbG9tOWtBZjhwWmJJcTFBZUtGM3VHTFJNbXE4VVJiUW1NSUJsNWY2M2ZYb1RLamNOelpmNkJIN2h0S21XMHlJQzhnNG9KWm4?oc=5) · fox61.com
- 2020-12-16 [American Eagle Financial Credit Union announces new location of East Hartford branch - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNMlpDeEJOeWVUN0pBZEpVcDBlUHVzMlpnQWxFNWlNNHNsT2F0cDZxV2hYdGM0SXJMcEFjTDh6emFDZnRJeW9ZbVB1LVRJdThRemJLQXNHcEpDTE5Lb1lBVTlFX3k3c3ZveERWeDk2MmRJWGNwaVNjb3FFTUc3Z0VqMVVvdXdvYkloMnc0OXJ6OWFUbHNfa3BJamZCQkFmV2pQdjVfVXJMbVJ5T1I2QzR4dFNSbm5yQlN2Y19Sc1hTejJteDA?oc=5) · CUInsight
- 2024-02-21 [Obituary for Sara Jeanne Keyes - West Haven Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFA4SWZjR3l6RzRraXdhUlZkXzVGaWxDZzFWX0lyUWhkd0NRSEY5bmU3WGFuNElSYzlKUHdlSDAyX3FJRzlJVTBCLUc2YktmdXk0b3V5UTcwTG5DRnJGRlpYWUp3?oc=5) · West Haven Funeral Home
- 2019-05-13 [East Hartford's American Eagle Expanding in Conn. and Mass. - easthartfordct.gov](https://news.google.com/rss/articles/CBMiywFBVV95cUxOYkVaZFN5RDc5eGlOOEVnWEwyd21kUGRZUm9yTHZGcmRHd3hoZTVNZ1U5UHdiamdMTXJwazBJZHBFcDRkYk15RnVqMEFncVdRTXFRM1hWZUlLTGt3ZnZqM2pSVEw0dmZJSmRTUi1QT3ZiakNwcGN3cnljeDR1WTlHdlMyWGI3bGZBcFppZEJTRmJNbzYxXzgwU1hWOXdDUVg0eVRxUkRBWkRyWWJPcGxkNlEtV3k4ajZfRTNOb09CUUZxUDI5ODNocFBLZw?oc=5) · easthartfordct.gov

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65809 (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/17.json (key "65809", 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=65809
- 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