# TRI-CITIES COMMUNITY
Kennewick, WA · NCUA charter 19608 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-cities-community-19608

Who the members are: federal charter, community charter, organized 1969, low-income designated. 5,532 members of 300,000 potential (1.8% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $74.6M |
| Members | 5,532 (-2.0% YoY) |
| Full-time staff | 15 |
| Net worth | $10.9M |
| Net worth ratio | 14.6% (p67 of band) |
| ROA (annualized) | 0.46% (p37 of band) |
| Total delinquency | 1.17% (p77 of band) |
| Net charge-offs (annualized) | 0.27% (p53 of band) |
| Loans / shares | 96% (p98 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p65 of band) |
| Operating expense / assets | 4.14% (p70 of band) |
| Vehicles % of loans | 10% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p66 of band) |
| Vehicle delinquency | 2.24% (p91 of band) |
| Vehicle NCO | 1.58% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 18% |
| Average share balance | $6,910 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $24,589 |
| Loans granted, annualized | $12.5M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

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

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

- 2022-08-12 [STCU hits $5 billion, eyes more branches in the Tri-Cities - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWVdxQUlKbkxKQUJwMHhWZUZmWkRVMFVxMHBuT3hCSko3eGswVUt3NHRFTWM0M2N1R1d2TzY5bGJmZzZteVdBY2lxVWFBTWU0bmdxNGdJVjd1WGJ1ekZ0aEtPNjRlZkFRenE4Q29ocXlKSmxfa3A3Vjk5V212aDNWbDd2VFZWRnViSmRqaEJ3aDlxeWZzR2l6MXdmemJZbWVVU2VnOUZuVkM1T3J6?oc=5) · Tri-Cities Area Journal of Business
- 2018-11-09 [2 credit union branches are opening. Another is coming - Tri-City Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE1xUEVIQVAtRGhhU1NXUmhRZEM0OUxxbVZWVi1YcHpsMmVmQnl1cFBfSTY1Sl9pUVp5ZENJOG5uVnZKQmZockFDNF9TeGFDRDdXX05mcjk0MHdmMU1IM3JyZVdtZlo3NExJSHBTYUVOdS3SAXBBVV95cUxQTjBaSl9CdDB0MkFueHBxMTZ6WXpzcW82NWxQeU9YdVQzSDh6LVlEUEZuWEtTdUpPVm9mblhoZzY2ckJYZDVmYU0tX1NhUTRRMUtCeFVYT1N4aEM2TVN0RDJoSVMyRjB3TDlmY21YdVM2?oc=5) · Tri-City Herald
- 2025-07-14 [Idaho-based bank plans Tri-Cities debut - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMic0FVX3lxTE1yQk9mRGRXTHlqNGJPRDRRc2prQVM1TklPekpFRFRJSXV1ZV9NRFNweEc1dDd1N1J6Mkx4ZEk5MzhyZ25iZV9rcTVXcDZLTVpoamRXeWszQVd0U2FfaVA1bWQ2X0I3YUUwcVlVZWpEZnlJdFU?oc=5) · Tri-Cities Area Journal of Business
- 2025-03-21 [Dust Devils Announce 2025 Promotional Schedule - MLB.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBGVXY0VHppQWpXWG0xVFNtVlRNb19WQlpacVc1Vm9ObGlpUl8wb0xBY2MyZU9YZC1FeU42U1BXVWY4VjRZU2hfNm5UbzRralNZeHk3R3FFVXg4X1dsS0lJenlGZXJqU09YUUdXUVl3?oc=5) · MLB.com
- 2019-07-15 [Q&A with Doug Wadsworth - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA3M0Y2SHFRNkcyMWNZS2JxOEdRTGUxdTh0UXNaMXlQWFFqYndKbWFNMVZ1LXczRlNtTDZhWWxKNWNRWnJCUmNBZEJZYWxYU21XU29IQjZSTmR6aHlVTUdiSw?oc=5) · Tri-Cities Area Journal of Business
- 2026-06-14 [‘Miracle child’ cut from womb still beating the odds 18 years after mom’s murder - Tri-City Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE9hRkM0RHJ5QWYySHYxdHE3UlM2V24zNU9SeXMxbVlHSTByc1NfQlJ4UU5xWmlTODVPcTdoZnMwUk5XTTdGOXN6R29zTEx5WThaNnFGYVNrdFY0NUxFbi1TMjU4ZzFuWW5sc001ODQ4WGXSAXBBVV95cUxOek1LVUUxWWQwVDBSaklVT05nYVdMektzQmFwVzllMnJIVmdLeDZwN0tkWmdVampsYjFtdmJ0Y3NjaTVOMTFXdFNXY0g3dVp2Tk9oTGRibEIzNndabVczbTVwcGd4WjVwVFI5YlFiUC1F?oc=5) · Tri-City Herald
- 2026-03-13 [Meet the leaders moving the Tri-Cities forward in meaningful ways - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTU9jVEZNYkJ1cmx1eWhqYlFpbU1YdE1SSXlLU3RsT2JUTnVOZnZtakpfZUFob2wtcGNuUHB4dnB5MXVLcnM0ZUU2X3ZwdTJwZ1RjbVk4bnNLa1NjS0F2ci1iYVhHLUlmaXBWMjJIZmtNT1ZfNU1KMFNESlVIV0c0Mk1yaEc?oc=5) · Tri-Cities Area Journal of Business
- 2026-06-10 [Leadership Tri-Cities has announced members of its next class - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQM00wM2dRcVBsZms4RWVvSTZRZXdoN3dIa29OSDRPWGc2ZHFhLWlhVEs4bHNQTmxYT3ZheVNOY3ZURWE0WUhMaWRFeFBERU54RlFyNDRQVmNMZEhfdjJLNDNyNHBVZG1aWHRRcWQ4TFh2VHpmMEs5bF9wVXFiLVpYdng4UkJudVZkRlk1cWdod1ZtNnZ4eW5oNW5hdmM1YmRkZ21oSnczVFlmV2R0?oc=5) · Tri-Cities Area Journal of Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19608 (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/24.json (key "19608", 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=19608
- 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