# NEW BEDFORD
New Bedford, MA · NCUA charter 66733 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-bedford-66733

Who the members are: state charter, organized 1932, low-income designated. 10,582 members of 31,746 potential (33.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *quiet fade*. 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 | $168.6M |
| Members | 10,582 (-4.2% YoY) |
| Full-time staff | 30 |
| Net worth | $18.2M |
| Net worth ratio | 10.8% (p38 of band) |
| ROA (annualized) | 0.66% (p47 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | 0.19% (p32 of band) |
| Loans / shares | 77% (p65 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p56 of band) |
| Operating expense / assets | 3.62% (p48 of band) |
| Vehicles % of loans | 11% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 7% (p39 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.03% (p68 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 20% |
| Average share balance | $6,621 |
| Participations bought / yr | $1.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.9M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $16,920 |
| Loans granted, annualized | $13.4M |

## Participation posture (from the same filings)

Bought $1.3M and sold $0 in the latest annualized quarter; $9.9M outstanding purchased (54.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.3% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | delinquency 2x band |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital, margin squeeze | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 | delinquency rising | thin capital, margin squeeze |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | thin capital, net worth falling |  |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 3 | delinquency rising | net worth falling |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 0 |  | thin capital, delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency rising, members leaving |  |
| 2025-12 | 0 |  | delinquency rising, members leaving |
| 2026-03 | 1 | members leaving |  |

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

- 2024-08-18 [New Bedford credit union removes roadblock for immigrants - The New Bedford Light](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSnJ2UlEwMjhreWItNXNrZGxfWjZzNXJHYnYxZzA0N3gzNzhzd2VyMFpYeVJxaENSZzhsOF9NOUxoY1B3RFZONDRXb0lhWTR5VEZwRGRuUkRCU21yWDNIN3dUT2hFcF9xN0hFdldSeG1FZ3gwcGNTbF9jYmtSdTNFdjVKOEp4dUFHblo0eEZMUQ?oc=5) · The New Bedford Light
- 2025-11-24 [Theodore J. Calnan Obituary - SouthCoastToday.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1lQ3M1bVExZzREampkRW5PbDB5SmFRQzEwMG5jMkRsLTI1Q1ZoT2VnVHdkUW5RRDk2V1I0ckFJcjF6eExieEdWU0FuMWphaHhrYXRVNERvZTdTZGdjWmMwRVRNaGE?oc=5) · SouthCoastToday.com
- 2025-10-08 [Alfred Gauthier Obituary - Fairhaven, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQLVNxbHVsc0ZEQk5TcG9KR1JCUjBSNzBwbUFnWXo0bC11ampwNFllOEZOTGJhQ0p1TVpkSnhBSUFFVGN3R3UyTjhrZ2ZPUVJLbUlUbkdpcmFDVTZudTJva2FxbUxrbHh2czFiYk5VUWNSQzRIYm1oNWhWeXRfRURzWmtrd1JuQzg?oc=5) · Dignity Memorial
- 2026-05-06 [Construction Begins on Housing Development at Long-Vacant Keystone Site - City of New Bedford Official Website (.gov)](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbzh2RnhnWFBqRWllbk5ob0w3bkRieWFQTDhGZUJsZ2N1ZkoteURvM01ZUl9HbWpUT2ZoczZieXZURGZNTllTZjFGRTFHallQV3FLdGp3VzJOMkpTNFZMSUZvUno4TDR5cFhDd05tNmJoOFE1aE92VW41N3I2ZXBGYk5CNGY1N0pGa09JdjdacU5tTXpUTjZvT0JHY2ZDV0xXNklFbm1vSjdVbEg5YVJaelNB?oc=5) · City of New Bedford Official Website (.gov)
- 2017-11-13 [John F. Robinson Obituary Nov 13, 2017 - Perry Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBVeHdkTDc1bERCeHVkd2VqSVQ4M2hjLVlGQjlGek1xYU41Q0RUYXZPcWU1RVpRMzVZeFhTT3JKd2JBUHFwVGFQalJpTW41R0d5cThkZE5JZDlLUQ?oc=5) · Perry Funeral Home
- 2023-04-28 [Santander Bank Is Closing More Massachusetts Branches - WBSM.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFB6V2MzUWt0aDUyNE1wN0FTemxWWEUwbkM2UWVzcXVGT0x3MzVlNno3eDBGSGtZSE1uS1pBM1Zxa0MteUdaRzBmSl9UaDZEUVdZaVNYb3J1MmIyWTdfZzkzM1diMWZQb3ZtZ3dUcWt3N3JIVDdaZ29XUklPbw?oc=5) · WBSM.com
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Massachusetts - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmJPdGhIaWVPaHFvZ2lWVzJOZDVFakcwWUpsUFNQUWZUdDVHbW83OGFJSVpLVVFJanl4SjZUbjZGbXZCOWU4bHNIRjlmMUR2U2FTUjlhaVY0WkRXalRtU01VVl9mSzluUXNKc29CTGluQVcxdzFRWXpLWHhrRjZEVElWQlRPQUhhN1NvdHJDTFg2UDBFdmc?oc=5) · Newsweek Rankings
- 2024-12-07 [Barbara Whitehead Silva - wanderer.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5MOGtad0hnUWlNTTJ4SGZnVlF3SzVpSHpGa0pZUDYzcGV3dXdHTEE2MjdIZlJKZjdtTG1YTE0wZ3BxVExYSmhNMHNIdXFFWllIRXE5WndONXFJYnc5NHkyTkxBN1RRbHFEWHJMeg?oc=5) · wanderer.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66733 (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/45.json (key "66733", 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=66733
- 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