# TRIANGLE
Columbus, MS · NCUA charter 13334 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/triangle-13334

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 11,663 members of 125,886 potential (9.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $125.6M |
| Members | 11,663 (-2.5% YoY) |
| Full-time staff | 37 |
| Net worth | $14.1M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 1.18% (p77 of band) |
| Total delinquency | 1.71% (p90 of band) |
| Net charge-offs (annualized) | 1.42% (p95 of band) |
| Loans / shares | 58% (p31 of band) |
| Cash / assets | 24.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p67 of band) |
| Operating expense / assets | 4.40% (p75 of band) |
| Vehicles % of loans | 56% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 2.07% (p92 of band) |
| Vehicle NCO | 2.02% (p91 of band) |
| Repossessed % of vehicle book | 0.41% (p93 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 14% |
| Average share balance | $5,903 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,464 |
| Loans granted, annualized | $23.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, charge-offs p90 |  |
| 2016-06 | 2 |  | thin capital |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | members leaving |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | expense trap, charge-offs p90 |
| 2018-06 | 3 | expense trap, charge-offs p90 |  |
| 2018-09 | 4 | repo signal |  |
| 2018-12 | 1 |  | members leaving, charge-offs p90, repo signal |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 4 | charge-offs p90, members leaving |  |
| 2019-09 | 2 |  | net worth falling, charge-offs p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | expense trap |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | expense trap |  |
| 2021-03 | 3 | thin capital | members leaving, expense trap |
| 2021-06 | 4 | losing money |  |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 5 | expense trap, delinquency rising | margin squeeze |
| 2022-06 | 5 | charge-offs p90 | delinquency rising |
| 2022-09 | 4 | delinquency rising | net worth falling, charge-offs p90 |
| 2022-12 | 5 | charge-offs p90, assets shrinking, members leaving | thin capital, losing money |
| 2023-03 | 5 | losing money | expense trap |
| 2023-06 | 3 |  | charge-offs p90, losing money |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 3 | expense trap |  |
| 2024-03 | 2 |  | expense trap |
| 2024-06 | 0 |  | assets shrinking, members leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | delinquency rising, charge-offs p90 |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency 2x band |  |
| 2026-03 | 5 | net worth falling, repo signal |  |

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

- 2026-04-02 [Business Brief: Gibbons inducted into Triangle Federal Credit Union Hall of Fame - Commercial Dispatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVzg1OGxFUncxN0VRUGZOWFRRajkzRlhVWGZBOHVrNFNiaFZpSk1XZEJETjRpaW5abWZCS243by04aF92WjI2enlRZ08wTzZKenRoZHQyMEZsUUs3by1iVG9hbUVfanRadDZ0Qjk2SzlJeHZYb2FoUWdaTWxON3BKYkpvSFVOU2RZRERRcXhwSDZqcTBJT2F6dHE1Q1dtVWxyREtKT1ZGbFQ4amM?oc=5) · Commercial Dispatch
- 2026-06-01 [Luke Bryan Setlist: Get Ready for His 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMia0FVX3lxTFByb1kyWF9wSEhJaElfRFhpUTlLcGNKRU5Sb1N0M0JJQ0pYUUs0OEhkM3FSaFJGMnJPNWhWd194VkFHb3QzR3pjZXRFSGxFZzVOS1RsN0pjbjhpSTVPX1BOemRvUzVBbTlMZHk4?oc=5) · Ticketmaster Blog
- 2025-03-14 [Liz Queen - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVHI0eFEyS3ByM0ZETlJEcGpqdTFmOE1hRFBENV9aQ2dLR0tXbzlrYzdvSHlOMkNaUFY3MnhaWXRfS0FURTVtUDhnRWlEeXhIQV9QWnZ2SHhOOE1adnZtUFZVU1hvQzNlN1U2bzUzeF9mS29TQllfMHUwRDdRSUFweU5RTWxuWHR2UnREbVN4LU1DZEhVZW1XUGZEOXV4NVhSVFlDc3VR?oc=5) · The Business Journals
- 2021-06-26 [Miss Mississippi 2021: Miss Golden Triangle Holly Brand crowned winner - The Clarion-Ledger](https://news.google.com/rss/articles/CBMizAFBVV95cUxPRTh1WG1Wb3cyRkFSM256OTYyVVE5aGJGZ1R6U1F1U3FCTDAzMnBfQlp4ZVZMcHp0Q0U0dVVoUUNqUy04QzZRMUdmNHZJUHZtT19USi1OYVAyX0lqdWxQOERxdmNScktFSmg1LS10MnBsa240N0hYcFVwRnNra0ZzdjRFZy1FTm9jN3hRY2dnUkNHM0J4eWl5ZzUwT0NjY2pmdFZmWUZWSHFOWm93TVRUTTVHMEZyZmROMUhzRVlNQ19Yb3JCWFB0VFBpSFg?oc=5) · The Clarion-Ledger
- 2013-01-15 [Phoebe Coronis Obituary - Nashua, NH - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPaG9wTzRtRTJkSFBuVFVhUVdTalJ0LVBGQTdNbzREZXNJNVl6SHJkaWNENHlFaHIwN184bF9rbVJXbmtoN0VIbTVhaWEzZ0U0Uk9ZZjBQU2J4cnE3eE9lVmxyRkJmaTAzd2loMkRLWE9SUlNocWgyY0RKZ3J6X1VCaQ?oc=5) · Dignity Memorial
- 2018-04-25 [Your ultimate guide to the 2018 summer concert season and tours in the Triangle - Raleigh News & Observer](https://news.google.com/rss/articles/CBMicEFVX3lxTE5VemFqZVNmZ1hLaWtPUElZeTVvQ1gxY3JGU21sS0ZDZkVuU1ZBWTdCeVJ0ZFlHODBpVS02T0Ffb3RabVZfN29qX1VCdUtlN3JzMWJ5anJzVnI3ZUlYWjVFVnFZVEs4aTFFSWtRdWo3NzfSAXJBVV95cUxNLTNpcE5RbE5RSXR6dkdKZlhjMWNKWlhlTXJHbmkzZUNLazJsbGZtVWYyYlU0RzdsdXkzbkpIN2FMX1A5bENzZVY4MXBfT1o2UVRuX2RsTi1MWXNEdFJpTGQ0MHRRTzZMMmFSX2MzRjNPRGc?oc=5) · Raleigh News & Observer
- 2013-08-23 [Kathleen Volandt - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOeGxlbDdobUc3dEdlanpEV3RsLWRWQXlZM21Wa0hrU2F2MXB0V0RrN2ZMTzBHVlhueGxfTVMtSENQNks4Qlg2eVJfU0pCWUlISTd0aV9IWHhfb2RNOGp6UTVPcWh5RkxjQXJuSGhEWHN0SW11N1M3bXpuZ3lnaTFmSl9xb0Zha2dEeFZF?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13334 (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/22.json (key "13334", 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=13334
- 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