# T M H
TALLAHASSEE, FL · NCUA charter 15175 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/t-m-h-15175

Who the members are: federal charter, service (single sponsor), organized 1962, low-income designated. 8,620 members of 20,000 potential (43.1% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $89.0M |
| Members | 8,620 (-0.2% YoY) |
| Full-time staff | 23 |
| Net worth | $8.8M |
| Net worth ratio | 9.9% (p20 of band) |
| ROA (annualized) | 0.30% (p28 of band) |
| Total delinquency | 0.43% (p39 of band) |
| Net charge-offs (annualized) | 1.18% (p91 of band) |
| Loans / shares | 76% (p78 of band) |
| Cash / assets | 27.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p59 of band) |
| Operating expense / assets | 4.64% (p81 of band) |
| Vehicles % of loans | 66% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 125% (p88 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 1.46% (p90 of band) |
| Repossessed % of vehicle book | 0.02% (p77 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 54% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 19% |
| Average share balance | $5,288 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.0M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $12,547 |
| Loans granted, annualized | $16.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.0M outstanding purchased (34.4% of net worth), $309,076 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | delinquency rising |
| 2018-06 | 3 | delinquency rising, auto monoline |  |
| 2018-09 | 2 | 3rd-party paper>100% NW | delinquency rising, auto monoline |
| 2018-12 | 0 |  | charge-offs p90, 3rd-party paper>100% NW |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | losing money, charge-offs p90 | delinquency rising |
| 2020-06 | 2 | net worth falling | charge-offs p90 |
| 2020-09 | 1 | margin squeeze | losing money, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | losing money, members leaving, 3rd-party paper>100% NW |  |
| 2022-06 | 3 | delinquency rising, auto monoline | losing money, members leaving |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | losing money |  |
| 2023-03 | 2 |  | losing money |
| 2023-06 | 3 | net worth falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 3 | assets shrinking | losing money |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 4 | charge-offs p90 | delinquency rising |

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

- 2025-10-09 [Join October’s Flamingo Challenge for local breast cancer patients | Opinion - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiywFBVV95cUxNSHhrYnJ0Mm9jOXlKWDFtNnkwRV9RcE1mX1hHTlJxbmxjZnI4RHdqMzBOWklQeUNHTUp2ZWFkd0hwNk4wdXVFblJxdHRvS3dPTU45bzFNSHZPXzZIWFFnYUFQWXlSLXVpbVk4ZWZGV2VmeUpBUjlwYThMTl9HWnMyaV85NXFPeGNBRWRzcUtpaVo3MUR1RGVSX1E5Zll1Y3hjMVQyMHZVMjNURC1LV1JtR3l4dk53ZVJRRms1dHo5dnVOVkdlMGxmWUdnNA?oc=5) · Tallahassee Democrat
- 2026-03-31 [Something Good: Easter bunny visits TMH pediatric unit 🐰 - WCTV](https://news.google.com/rss/articles/CBMijgFBVV95cUxORXEwS2g4N244MDVta05kWGhNVGVOVE1vOEgyVUI3V3NxZjk2VTJaX25ud0FPdjhZNjZSTUNKQUVJM3NLOVdRRjR5UnNvOTZ1b1lJUEdJZHF4WE5ydjZrcUFMMklhWmx4cVAyNzNiYmwtWm51bk5BWnJaWW1tOTZNMnQ4dUVuU2FSb2hOY3V30gGiAUFVX3lxTE9oZXpkN3U0akdyODI4eTJUcnZ5X3h1cXY5aHNseHhXejBsRm5yX3lsRTdCR3AwaUxxXzRjdXZ5ektDUmFVeEV0MkMtZjNfVWhzU2luR3FCODFBdnlXYVdyVVVtRHpSLTNRNDRoT2RKMlpGLXVGN0QtV05SeHB4aGRfdnNRQ2FRYldBM0huX1Z4LU0tUnhRaUZCMUpIWTdadlhGUQ?oc=5) · WCTV
- 2024-02-09 [Big Bend Hospice Launches New Hospital-Based Inpatient Unit - Hospice News](https://news.google.com/rss/articles/CBMimwFBVV95cUxORlI4MHlvcUFMSl9WQ0pmWDhGaUpoNnU3VE5ZVjZRZ2ZiTGtxTXRIdEdSMS1icWtEZFpkdkJDWjdNSV9DbE1mZjhZZ1pRTG1KbjBpcU5mam03YXlpb3hfYWxIcGNoN21NdnJZeXBiakJiYzIxUjhHdFRHYWlGWS0xbjV1WjZ6OWRORklJbU1rRW4xSVpmNUNKNEhKUQ?oc=5) · Hospice News
- 2025-12-20 [First Commerce, TMH Foundation Raise More Than $100,000 Benefiting Breast Cancer Patients - Tallahassee Reports](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNOEJ4eGxiSWpmTGJWMG1UcFRGNVB6NDN0Z0g5c2JMNU1qeGNUaGd3dUM3bnBGaVUtLUZfZXp6Zm1ZazZhamd4S3BxdFQ0SlE3NThEOUsxSnJHeGVnQjRUSDZGS2EtMlFYeGpBZWNONXdBS1ZFNnpJMlVPX0xEOFM0ODNIUXktVjRBcEZtb1FPbWxqanNodFAzUkQ1cFk3QnF4MnJ2MVMyQW9tbHR4aDM0Rlh0MjRGNUFNXzlJYmlQYmdCb09ncC1BYg?oc=5) · Tallahassee Reports
- 2026-01-09 [Something Good: FSU sophomore crochets for cancer patients - WCTV](https://news.google.com/rss/articles/CBMijgFBVV95cUxOeUxMb3dfZmthR0M1TWJmWm9mMENpQ1N0Qk02RFIxbFNJMGY4Qm0wNk81VmdkQ01TZWNSUXdJekUtT3FzNjZzRmhVVXlySWxaZlRTb1gtQ3pxTnpmQzd3NTZjZjBHRjNqeUZMU0VYS0FnYTYyODdEM2hCYmVrVzRfQl82dmlXM0VpM2dHNGZR?oc=5) · WCTV
- 2009-12-03 [Steven Stubbs Obituary (2009) - Tallahassee, FL - Tallahassee Democrat - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMWFTY1BSVFYtQm9FWVRYWTVLUkV1WWpYckhPazdiMllEYnluMXFNOWVYWUhXbVhLYkg0RklWc09iemlvSjFBNzExYlRCVk1halQ2ZkZNUk16dnpXVFFXc0p4el8yWEFyb1ljQmlCeXBRU1FTNnh0X1R5aVFmcHFvZlFwM2ppckZ4OUJMVkJ4eFRPZw?oc=5) · legacy.com
- 2018-03-20 [CAMPUS USA Credit Union continues expansion - Tallahassee Democrat](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRE0zMHAxT2RPMnZ2VzdfOXlZcWhNM1VWdFk4Mk9zMlJ4ajUzNjdOLXBWeng5OC1WNWVMRzRQbGM4bllYTlNRbHU5SzBaY0MySGtuQjRVZVF1RWdGY0Foc0Q5ek9GNmFYQzVGcjRMQ18zRFdZV0JPbjI4LWdNSGt1cEE3WVRCMVp0dmdWZDhEaE5Hd3Z1SzRtdFNGQnBTclp4SktVMFZWdGxQZE1jbTVJ?oc=5) · Tallahassee Democrat
- 2020-12-21 [GALLERY: TMH’s NICU babies all dressed up for the holidays! - WCTV](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTzdfdkNsUnliWXJBejBOME53WkZzSk5MWGRGWHVoalgwUU1TZmJRWDBrU2twT2pMc0FkbE05MHZMSzVpeWo1RGJubzJaZHhLN2Y1TDFzbzlzWTZPVDZ6RGIxNHBLYzFJM2hOb1dVQkhjUTBXeDh2RURBemgyMVRxeEpWeW9odGxyV1p0cmdvbWdtd9IBpgFBVV95cUxPaE5QVlRmbUpVMXd2eFU4LVJpeS0tbGo2SUlXUDNRTzJLWUlJTTlHdG51X3Fnd3owOTVRb1RJTlBpcGg4aXB5MF9aeTE2MUxJNnJYcFRYeGVocEtoVzg1ZmZJb3lFbEZTb2l3Y1Z2SkhrUllBU3JwNEI0Ym5TY3pFaEpkXzFPcF9CNnFIOHRMVWpvT2NTVEVLQ1JmTzIxT1BXQlJCeVBR?oc=5) · WCTV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15175 (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/7.json (key "15175", 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=15175
- 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