# TRUNORTHERN
Malone, NY · NCUA charter 21026 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trunorthern-21026

Who the members are: federal charter, community charter, organized 1972. 5,873 members of 270,811 potential (2.2% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $110.7M |
| Members | 5,873 (4.6% YoY) |
| Full-time staff | 23 |
| Net worth | $12.9M |
| Net worth ratio | 11.6% (p48 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.34% (p27 of band) |
| Net charge-offs (annualized) | -0.05% (p2 of band) |
| Loans / shares | 67% (p44 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p63 of band) |
| Operating expense / assets | 4.02% (p62 of band) |
| Vehicles % of loans | 25% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.37% (p35 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 17% |
| Average share balance | $8,758 |
| Participations bought / yr | $12.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $20.6M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,132 |
| Loans granted, annualized | $19.3M |

## Participation posture (from the same filings)

Bought $12.0M and sold $0 in the latest annualized quarter; $20.6M outstanding purchased (160.3% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 12.0% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  | net worth falling |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 | net worth falling | charge-offs p90 |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 0 |  | delinquency rising, net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 2 | delinquency rising, charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | repo signal |  |
| 2025-03 | 0 |  | repo signal |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | net worth falling |
| 2026-03 | 0 |  |  |

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

- 2023-09-22 [TruNorthern Federal Credit Union opens Brushton location - nny360.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNRy1wa0N1WmE2dHJKSnlESkRPSlhsZmk3ZVZFZ3lnV3JZaENJd2hPM05zWkp5R3NvRll0SDhfRzg4UlM1Vk00V1UzVmY5YXNRZnNYY19OSEFidG4xYTdPX0VfY3hCaGw2ZEN0Q2I0WXgtbG1VYVh4dWZSMGFxTDFCUVBxVTJXRmRGN003UG1FZW85UEllWHBYb0lXYlRmXzhDWUdFNFJLbjFFM3A3R0hzV2k3OE55LUtlVHI4OTFpQzkwSFlXVEVleGE3YXdJdVROLTRBVGlkblEwZ29kZ3p1LXhLR0U0Vms?oc=5) · nny360.com
- 2023-12-20 [Donation to Brushton-Moira schools - nny360.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPc0NxdnJuMkUxa3pfcWNVOFlEU1RIU1J1dlR1dnFzZWJaT2stbXcxLXhZSEZtYjZMcERWclJvSENjSzRWTndVU2IwcmtXaTZCbENnV0x0ZW9wU255QnVqMFRNMzAtOHV3SVBGMXlKSi1KeXBabjZhX19nZlFYYU5kYVFVS1FBTXZWU2pLdU1aU2R1MFZKRFJaRk5vYXhEbVBodjFoMVQxbnRJWm15Z2JrX2x4dkVrOWFRdURHLVBpVGNIdHpMdlo2aw?oc=5) · nny360.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21026 (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/34.json (key "21026", 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=21026
- 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