# TRIUS
Kearney, NE · NCUA charter 17999 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trius-17999

Who the members are: federal charter, community charter, organized 1967, low-income designated. 20,483 members of 276,494 potential (7.4% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *ordinary*. 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 | $152.4M |
| Members | 20,483 (5.3% YoY) |
| Full-time staff | 55 |
| Net worth | $15.9M |
| Net worth ratio | 10.4% (p31 of band) |
| ROA (annualized) | 0.84% (p59 of band) |
| Total delinquency | 1.19% (p80 of band) |
| Net charge-offs (annualized) | 0.54% (p70 of band) |
| Loans / shares | 94% (p95 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.56% (p99 of band) |
| Operating expense / assets | 6.80% (p99 of band) |
| Vehicles % of loans | 52% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.67% (p56 of band) |
| Vehicle NCO | 0.68% (p59 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 37% |
| Average share balance | $4,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $8,159 |
| Loans granted, annualized | $68.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1.9M sold and retained. Sold in 6 and bought in 0 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | delinquency 2x band, charge-offs p90 |  |
| 2016-12 | 4 |  | auto monoline |
| 2017-03 | 5 | auto monoline |  |
| 2017-06 | 6 | net worth falling, repo signal | delinquency 2x band |
| 2017-09 | 5 | loans>95% of shares | auto monoline, repo signal |
| 2017-12 | 10 | capital below 7%, losing money, delinquency 2x band, leaning on borrowings |  |
| 2018-03 | 5 |  | net worth falling, loans>95% of shares, losing money, delinquency 2x band, leaning on borrowings |
| 2018-06 | 3 |  | capital below 7% |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | delinquency 2x band |  |
| 2019-03 | 5 | delinquency rising |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 | repo signal | delinquency rising |
| 2019-12 | 3 |  | thin capital, repo signal |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | delinquency 2x band |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 4 | margin squeeze, delinquency 2x band |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | loans>95% of shares |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | net worth falling, auto monoline | delinquency 2x band, loans>95% of shares |
| 2023-06 | 3 | delinquency 2x band, loans>95% of shares | charge-offs p90, net worth falling, auto monoline |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 4 | delinquency rising | loans>95% of shares |
| 2024-06 | 3 | loans>95% of shares | delinquency 2x band, delinquency rising |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 5 | net worth falling, delinquency 2x band, delinquency rising, charge-offs p90 | loans>95% of shares |
| 2025-03 | 2 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2025-06 | 2 | delinquency 2x band | net worth falling |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band, loans>95% of shares |  |
| 2026-03 | 2 | net worth falling | delinquency 2x band, loans>95% of shares |

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

- 2024-03-19 [Trius Federal Credit Union opens Grand Island branch - Central Nebraska Today](https://news.google.com/rss/articles/CBMiZkFVX3lxTE0xYThIbmZJNnMzYXdBNk5yNDIxdFVBVXdRYTk0NE1vVHFZcjlWSDkwNGZrVl9Fdkc2MmRIcGNjZG9JMmtjZWdXRkthZ3pHMGt1dXNSa2FyR0xuQlRZZnFhVldYZEhadw?oc=5) · Central Nebraska Today
- 2022-09-08 [Trius Federal Credit Union endows scholarship for UNK students - UNK NEWS](https://news.google.com/rss/articles/CBMinwFBVV95cUxNWWNoLXRGdU42b1UyalM5R19KVHFJRjBaZEpjb3pPVWNGSlR5WGpURkRLWXZmS2w0LWNfV0dSdkUwN29MVFdMYmNLb3VpdXc0ODhZdENYOGc2OTFUN0RQYVc0RjlwaFAxLTRFU0FPbjJfa0FPUW5fRHo1eE5FdlFTaEE0MmltZlR0MmE0VkxYcWdhaDF1Q1NTSFNSMEVGM2s?oc=5) · UNK NEWS
- 2026-01-08 [Best Certificates of Deposit in Nebraska for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1IUlVXWXdKeU5kZGZBVjdwTEZLcXdRVXNXNGlfeWtLN3h2Nmtkd3JrNDZUcWpPZF8yM01vNE1FampPTjZsSVJnbE92MUVlU2ZxZGdNY1F6QkNFNjJJZWZINWExX0dhM2c?oc=5) · MoneyRates
- 2025-09-22 ['Damaging for America': Organized crime wave hits Nebraska banks - KETV](https://news.google.com/rss/articles/CBMioAFBVV95cUxORzVsV2lvbmw5aWx3MDZEZHZGVG1wNk0xZ0NjOFh4cUY0UzZpd3hMcTJwaWxBUXV3WmNaT0doZnR0Q2ZsTmk4RW4zMUktVHR3MW1nY1ZxeWltelllaEFpSjQ0dWpnUXBjQzUyZENPOUlmaDdMVGFTN0VzTjZFYm0xVmdwQ0poOVJLaUJNQ25RQTFOajFpVG03OGtyOHZnV2Vi?oc=5) · KETV
- 2025-12-01 [Three charged in attempted ATM burglary in Kearney - KHGI](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaUxLU0toYU1PY2lVQkdtcG1ETlhSWmVMY3ktNU1sQndVRlFDY1NBam5LeGZxdkpYU1V6RlMyUm1pX3lGNHloTFJuMEZaWWtJVWY2cDU3a1pzRGE2TTRpcFI5SXkwWktveEJ5dXVBMmExbklKNVFraUJJSVU2cGEyN3FpeGhPSXB3?oc=5) · KHGI
- 2025-12-19 [Terrorist Group Behind Large ATM Jackpotting Scheme Targeting Banks, Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbThmVHhNeG5FRHdoaVctZUhyLU4yZFdBTUg1MkFoUDlQaEJoZWRyTlc2SlJuTHhlUVctaFVPLUlrRHgzRUZoZy0wWVBGOWs2WG9rVjZpRUJjQ1Q5UHhIOF9CV3pWTFJJQVpKdlRKNnFjUUhjVGxGbXhyZVctN0QxRlROQ19XUk50dXpjSUthRV9XWjFMNzIwYXd1QlViN0hVaGJXa1NfT3V5ZzJhaUVHcGRvMlFBVTVC?oc=5) · CUTimes
- 2026-01-29 [The Best Savings Accounts in Nebraska for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMieEFVX3lxTE5CN3VDb2daaFo5UjAySmwyck5seWViTXZzWUlyVjVxMktUZFBndmZhdWpFR29jYk93U3Qza2JFVXpQXzhHMC1mWERNdWlCTloxcy1WTEZuSzR5Z2dSRzdEZU55NUNjMEhuUktKdWVONUFlM2VKWGVxMQ?oc=5) · MoneyRates
- 2024-11-22 [Woman arrested with fake ID, falsely obtained credit, debit cards, tried to obtain $40,000 loan - Central Nebraska Today](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNaGxtTzUydjFfV2QtRHNXcmpuR1BRU3JlTnpja0dmb0pVbkNWVk9jTWhQLUZtcWgtTnVkRGktMzZKX2pwUWZjMzRiLU9rbWJLazQtdGZGUGI5SGJuV1A0VmJnQXFMWWlzdlFOY2taekJ5U0JVcnMxaHZuRXIya25TbUNwSzV3QzdsTExVQXdxNFoyMEVTQnNMUUpmc25YMXRydkpQend2aXlTckxlQVBVVEZ0Z3lDMll6MWlsTDZXSWxjeTRPNENoV0JsWmFzbDV4MFdqcUd3?oc=5) · Central Nebraska Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17999 (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/15.json (key "17999", 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=17999
- 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