# THREE RIVERS
FORT WAYNE, IN · NCUA charter 159 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/three-rivers-159

Who the members are: federal charter, multiple common bond, organized 1935. 138,447 members of 825,983 potential (16.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *fortress*. 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 | $2.81B |
| Members | 138,447 (2.6% YoY) |
| Full-time staff | 493 |
| Net worth | $373.1M |
| Net worth ratio | 13.3% (p86 of band) |
| ROA (annualized) | 1.83% (p99 of band) |
| Total delinquency | 1.21% (p88 of band) |
| Net charge-offs (annualized) | 0.41% (p36 of band) |
| Loans / shares | 86% (p48 of band) |
| Cash / assets | 3.2% |
| Borrowings / assets | 11.78% |
| Net interest margin | 3.67% (p74 of band) |
| Operating expense / assets | 3.66% (p74 of band) |
| Vehicles % of loans | 16% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 22% (p18 of band) |
| Vehicle delinquency | 1.83% (p95 of band) |
| Vehicle NCO | 1.18% (p60 of band) |
| Repossessed % of vehicle book | 0.17% (p78 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 73% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 25% |
| Average share balance | $9,313 |
| Participations bought / yr | $43.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $45.5M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $26,332 |
| Loans granted, annualized | $687.0M |

## Participation posture (from the same filings)

Bought $43.3M and sold $0 in the latest annualized quarter; $45.5M outstanding purchased (12.2% of net worth), $14.6M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | leaning on borrowings |  |
| 2016-09 | 1 | expense trap | leaning on borrowings |
| 2016-12 | 1 | leaning on borrowings | expense trap |
| 2017-03 | 1 | expense trap | leaning on borrowings |
| 2017-06 | 1 | leaning on borrowings | expense trap |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | expense trap |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 0 |  | leaning on borrowings, loans>95% of shares, expense trap |
| 2019-06 | 2 | expense trap, delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, margin squeeze |  |
| 2020-06 | 3 | net worth falling | losing money |
| 2020-09 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | expense trap, margin squeeze |
| 2021-06 | 2 | expense trap | delinquency rising |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 1 | delinquency 2x band | expense trap |
| 2022-06 | 2 | leaning on borrowings |  |
| 2022-09 | 4 | net worth falling, loans>95% of shares |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 3 | charge-offs p90 | delinquency 2x band |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 1 |  | loans>95% of shares |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-08 [Synergy FCU marks 46 years of service, grows commitment to Live Oak County - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPd3U2SWo1c1poSHViNG5QSVhDSzlQeEtBdTdzbHdXV2U4RmhQUjd0QV9EZmJqXzQ5TDh5N1RCU1prV0tVVTZxMTNYcVh2MjhCNkpRZURiTVUyRlR3Rlk3VUdQb2RIR2VWUmZ6YW1uYnFPWlQxVklYRjgtNzBDbkhJSlRZVVVjV2NsRzVhM09sZWlrYUxxZFZJVHhnYlBfelVfc1BkNl9FcEpOTy1tZHJIYUxsYVdZUm1XZ043b0FhVDBmZVNFZ3FDbkNpUU14X2x5QTg0RTZsS0RZWFJ1eVB1cG9CWE5IeDg3a0N0RGZTcUxSR0RZSkhMb3c3cw?oc=5) · SouthTexasNews.com
- 2026-09-08 [Students save $500, earn $500 to benefit schools - Lake County News,California](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbl82bG1lT1FvV2ZEM2E2ZllZRWhfNVQ5bi1uZFRnS2d4R2M2b3NZWm9acHltMWRXaGxPNGRkQ004OXFOZk9NeGFQdklqempjWkV3bkN3b1l6SDhSNmNtSW9LdkczS3doaW9paXpSUEtGWGR1NkxKZDcwLUNiWGdqV0xBMzBNa2hLaWUxaXFxZDY5QmQ5eXUwdQ?oc=5) · Lake County News,California
- 2026-09-08 [Three Rivers College to host Run 4 The Arts fundraiser Sept. 12 - Daily American Republic](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1ibkJKc2htZklQNFpTQWRpel9CNzdoakxZbWJFdGQ2NHdnOWpoc25fREpDUTFpZVFGa25GU2NFQVFOTW5fODJrRWRGbmJRNkVNajA4?oc=5) · Daily American Republic
- 2026-09-01 [3Rivers launches $225,000 Big Give for local nonprofits - wowo.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE9zcnRPUV9WMkNCcG5yNWtodXRNVVR0bGExLVNZQVYyTThpeDdBTmdzd0hkY2Q2SVFFZmZfQ2lrNGlSQ09ZVDNRZXkzaHZGcjdLLUsyZGxqdzVUVEQwRHl3NHBYcXpGRTR1RTVpYmJhdzlyR184YUFZSHh3SQ?oc=5) · wowo.com
- 2026-06-16 [Docs: Man charged after credit union fraud - Fox 59](https://news.google.com/rss/articles/CBMigAFBVV95cUxNbmxrSEF2MER2WkxkZmtNWnd3ckRKRnltU0ZXdmlrNTNHM3pyTDc2R3pRdGwxalJGYzdVWks5M0dYV2NyUzh5eWJXZ1FHVXJoWEhrVWJqaFNrWG5tcWxQOHNIaHZGQktfWF9jOHY3MTg2OC0xX0JueEF6akVyQmJYZtIBhgFBVV95cUxNenZwTjBVemMtVHFyQXI4OWdseU5BcklqclI3dlRkQUpXck15bkVpbDhnaFJRUVVYWHF6ZnJiYlhYRVotdFowaVRZRzE2RmM5a0xTZkpsdGdNeUVCY3dnUUMyN3pDZ3pzNzZrMWNSMGRlMjJGa2JIZnluV0pZYXVIMDB0ZU5JQQ?oc=5) · Fox 59
- 2026-09-04 [Three Rivers Chamber appreciates members at Fall Mixer - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQMWdPMWRkWkM3cWFsS28tTGF1bWZ6R3BlY3JXTFg5aEU4R3g3cHlMRmVYS0E3cW83QTk3NXJfc0tmUVg0aFMzN1ozWHA5eDZoWVUxRkdRTnU3Rmg2YTNYNVg3V1g5TkpsR0NKZy1zaHJSVTBOTmF3SDNWYUVSYU53SmREbjZCSXhzcVA2VlBEbjdOQ1l2cjh3T01ZWS0zRUhXTWI4OWJTeVMwZHBBVjBjWDlHUkFMWkV3bms1SVpHa1U1Z05qMTYteG1JQjdSR1NLLUh1c1NCWGhJbTJwMGhfcV9B?oc=5) · SouthTexasNews.com
- 2026-03-06 [Unconfirmed tornado causes significant damage in Three Rivers - Sturgis Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeHFDMWFTSmhiRzAwWlB2TDhMMF9BdWFDcEtLTHlQY19ud3h6NWo0YkY2V1RZRVpXdWpEejI3eEtZWThpUFRydFEwdE9nMU81bmk1dURtQ2NRZTdFTUJaVTU4eWlIYnBTQ3dMbTI2VVMtNVpXWUNDMU1Jd2JjSzB6Y1R3dmVTd284UmFlSFJSTFpnLXNNdTJfM3pFdjRTal9uTm5TTXozc05IQTBaMkdZ?oc=5) · Sturgis Journal
- 2026-04-09 [OMNI credit union experiencing 'service disruption' and 'system outage' - wwmt.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxPbi11LUJrdkg1Yms0UEs4SVUwSjlNazRRdW9rTVV4dU05emNPUXhpWl9Pd1lnaXhtNE9leFgxVUtmdjFFNUtQa1RJeVZYTzh0SUFvdURabDZneDJYZnliV3NWakZ2T21hSEVmSWZOa1g5aG1KRE8zbG55RU1Md2NzWG1oMXoycWlsNkxxVDJ5d3Zxa1BTaFNSWlJKWUZNZUkySnR3azJPODI4NjQ2VkJmcFdHaGNKZWlPRDJGWjE4cjE3eE9wQkNHZW1EMlhTZ0laQ21ZTmVnT3ZCNzBiRi1pSGFoME9rTkZ1MW40cFFNYzlmWFAyNmo1NHFDbU1FUk9wS2NZaUw0bG03QQ?oc=5) · wwmt.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=159 (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/31.json (key "159", 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=159
- 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