# TEACHERS
Smithtown, NY · NCUA charter 8116 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/teachers-8116

Who the members are: federal charter, community charter, organized 1952. 478,252 members of 342,407,899 potential (0.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.94B |
| Members | 478,252 (1.1% YoY) |
| Full-time staff | 902 |
| Net worth | $1.07B |
| Net worth ratio | 10.8% (p54 of band) |
| ROA (annualized) | 1.02% (p76 of band) |
| Total delinquency | 1.19% (p87 of band) |
| Net charge-offs (annualized) | 1.19% (p92 of band) |
| Loans / shares | 69% (p14 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 4.77% |
| Net interest margin | 3.05% (p34 of band) |
| Operating expense / assets | 2.32% (p12 of band) |
| Vehicles % of loans | 11% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 218% (p70 of band) |
| Vehicle delinquency | 0.98% (p77 of band) |
| Vehicle NCO | 3.35% (p97 of band) |
| Repossessed % of vehicle book | 0.10% (p60 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 42% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 43% |
| Average share balance | $9,053 |
| Participations bought / yr | $7.9M |
| Participations sold / yr | $315.6M |
| Participations outstanding | $97.2M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $33,398 |
| Loans granted, annualized | $1.71B |

## Participation posture (from the same filings)

Bought $7.9M and sold $315.6M in the latest annualized quarter; $97.2M outstanding purchased (9.0% of net worth), $63.6M sold and retained. Sold in 8 and bought in 2 of the last 8 quarters. Shares -0.7% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | thin capital |  |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | leaning on borrowings | delinquency 2x band |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | net worth falling | delinquency rising |
| 2023-09 | 4 | delinquency 2x band |  |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 4 |  | net worth falling |
| 2024-06 | 4 | charge-offs p90, repo signal | delinquency 2x band, delinquency rising |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | repo signal |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | loan book shrinking |  |
| 2025-12 | 3 |  | loan book shrinking |
| 2026-03 | 2 |  | leaning on borrowings |

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

- 2026-05-27 [On Long Island, Teachers FCU Renovates Headquarters - CUTimes](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVTY0S183aEtlR0djQmpUM3JBMjBhMjA0RnFidktGSXpsTzFYWDZPY01veUZtaE5PdFR0VS1FN1ZiQW8xZ185WWZ4eDkzMjR0VnVfXzNwNmpyalhhNldzdHB4alBSNVFXY20zTlRaNXhPeTN0bzBsMEhGWVJ4eE4yUS1tT1hmNTNES3lUMWhEZw?oc=5) · CUTimes
- 2026-02-26 [Teachers Federal Credit Union and Corridor Platforms Announce Intent to Launch Precision CUSO to Expand AI-Driven Credit Decisioning for Credit Unions Nationwide - PR Newswire](https://news.google.com/rss/articles/CBMivgJBVV95cUxNa2RpYmt2Y3cxTTQ0YkFLamtuemtCcFpIWVgyTExiZk02cTQ0YXJHeHhNRzdZRXhvSnU4ZkJjbk1Sb1dNWjY5RWplZXFzSXRrVDJuY3oyYjdydXRENmZmS2xzNEdJOFdCOVR1SF9iNWlMb3N1NzdvazhxQl9RZzg2MGhibm9Ba2duZzYyZmJzZzJoR3kwYmkyUFRXZzVPcTF5cjFMRUhSRVV3RDFnTGdiblRnbk0zTkRMT1RSUUxta0xrR1hybjVheF9lS1VuTDZCeUFPNEF1a2pHcHROLUZ5Nkh6WTRkclNjaTFnMENSaHFEYUhHdmRnMFpacUw1aWhITFlXMExtNkMtZUFMZDQwZnNwMnAtQTFHb1hWZHk5b18wc2FyRlpEYWo2b0FTOVBiZzBUaTVqY0h0OXowVVE?oc=5) · PR Newswire
- 2026-03-24 [Teachers Federal Credit Union CD Rates 2026 - Forbes](https://news.google.com/rss/articles/CBMiigFBVV95cUxNa3kwUXZ5dk9kMmtkRjBYWHYwN0hJcDlPLU1FQ05rTUlYU3NGWk1YVmR3S2pDTlM2VGdSVUl2VlVUV09yLVpSOXE0UUVPbktGWERFcEk5YVhYcnNtZXhqNWxwS3RXclo0MU51NHdmdDFtOHNOamlQak40cWUxWTFKb1RPNVFqN2RlZEE?oc=5) · Forbes
- 2025-12-23 [Teachers Federal Credit Union moving to former TGI Fridays - newsday.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNEJ5QjhNUTg5SkRQa0I3OW05azY5YnpFZlE4NExZSjU0Q2xCRTFsZEtBSUk5MkZ6RDJHZENSdVJkVGRKSE5BM3RSQXVHemZwNlJuNE5OSVo4ZzliTnpCUUpieWZvZEVUejRpMmJzVXM1OWE0czlqUWtmVDkzcE5WTXI2YWVoempDa3hWMldvRzFMQQ?oc=5) · newsday.com
- 2026-06-10 [Teachers Federal Credit Union Raises Record $1.1 Million for Children’s Miracle Network® - themalaysianreserve.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQN1ZVWnpoLXNtM2dzbklWNmd6RGVDQjNPNzVYMEhBY082ZV82LW82OWZnSzZjei1ib3I4NE9rUVJ6VUo1UllvR2pyNFlJYkhGNjI2ZjkxUkVxbnpZbE5qNVBRN2o0Y1lEbU9IeTE2NGY1QXhWX3ozNEtsV3FsdzVrb0FUUnRGdHpWS2djT3NLYkxKOHNHUVQxNFNaWFNwY2EyYjRGSVA0b3MwX0dfak1wcDRqY0ZfdkRfQzZiREdobmJTUFpnNnVEQQ?oc=5) · themalaysianreserve.com
- 2026-05-06 [9 LI Educators Awarded $15K In Grants During Teacher Appreciation Week - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxQUEZUQjhaSGt1XzE4Rlp2c3JHc1lIaE9nSGdCNzhUaktPWWZLOHR2OFg1Q1ZhOE1rRG9peWRBb3FIVmt4bEwyUFN6VS1Bb1ltWFd1bmJOTHppekp2Y0Z6cXpzMmdRY1pkbHF4VUJhMFdIUW1HY3ZkaHVyVEdtZDdadVlSazVycHo1RDN4Z2VZYWZvX2l1cEhxSmxMbEtKbVpaRlYzdjhWcw?oc=5) · Patch
- 2025-11-18 [TEACHERS FEDERAL CREDIT UNION EXPANDS NEW YORK PRESENCE WITH NEW BRANCH AT THE SHOPS AT SUNVET IN HOLBROOK - PR Newswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNcWI2LUVKTTY3YkN0RWJWSUhGbkpSVDdVMXJrQ0c1YzcyYXFDYXpqVDJSQWhRLThDRENKbW8xTDR4YVgwSW83WWRnM2pHQkw4RDFrOXBjYm1qLWRaeG85aTc1SFRQWHhBNjR4Y01OVl9iTVBSY3dNclNPbXliREw5ckZwMTNmMnUtVnZWRkQ1cFlzdGpRYUxqMmJrV3pDaDMzOWVVTDVvYVBCTjEzYkVXTk5ZT3pFdlpWbUV6OG04ejhQOHlXLS1tTjRZNEpyVFhGMGhlOFNOenpKQnZBNExKVGRjT3dYRGxXSk1VYzhPeUY4NlBQ?oc=5) · PR Newswire
- 2025-07-21 [TEACHERS FEDERAL CREDIT UNION FURTHERS EXPANSION EFFORTS WITH OPENING OF NAPLES, FLORIDA BRANCH - State-Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxNcUZlS0kzUlpLa25FeFpEMUJ1TklaNzRCZWtEMHRoTWNTZU5xZEEzN3FmYmdSS0ZoekFuQkJEdV9iOHI0SEI1MnlOT2QxQVh6eUxyNnZ4RGJiSkt1RG15ZGJpbGdtb3VydzRneW0xdEtPTlFxTlAwbHhrSFRRdS1BYVZ5cDBpdjNaVE9WZ0dzNXZzSzl4bXlRang5ck8xOFlhUUtuQzBpUUpxWEh3WUMxTUFYSjQ1aHd5aWpTQU5jU0RLSjI4N3o1Skc1MlM?oc=5) · State-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8116 (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/52.json (key "8116", 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=8116
- 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