# TRIBE
Eagan, MN · NCUA charter 24960 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tribe-24960

Who the members are: federal charter, community charter, organized 2024, low-income designated, minority depository institution. 98 members of 2,000 potential (4.9% of the field); checking penetration 96% (share draft accounts per 100 members); loans per 100 members 12.

**Verdict on the desk:** this could be *too clean*. 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 | $2.4M |
| Members | 98 (9700.0% YoY) |
| Full-time staff | 1 |
| Net worth | $611,101 |
| Net worth ratio | 25.4% (p87 of band) |
| ROA (annualized) | -3.33% (p4 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 12% (p3 of band) |
| Cash / assets | 88.2% |
| Borrowings / assets | 5.40% |
| Net interest margin | 1.93% (p4 of band) |
| Operating expense / assets | 9.30% (p97 of band) |
| Vehicles % of loans | 9% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 90% |
| Unsecured % of loans | 90% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 4% |
| Certificates % of member funds | 96% |
| Average share balance | $8,943 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 12% |
| Loans granted per 100 members, annualized | 49% |
| Average loan balance | $18,634 |
| Loans granted, annualized | $904,612 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-06 | 1 | losing money |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | losing money |
| 2025-06 | 1 | members leaving |  |
| 2025-09 | 1 | leaning on borrowings | members leaving |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 4 | losing money, expense trap |  |

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

- 2026-07-15 [Tribe Federal Credit Union Minneapolis Grand Opening - Minnesota Spokesman-Recorder](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNenpSc3ZqYU1MZzlyQ0xwME51YWtNclZiYk13NHFUVHpMSXh5MVBKMm1xYjV6ZkpZQTVZQjBkT2VnX09GYmdfM1VGRExTWEFacTFHSkowT3QtVmpPQ0lDWlZuSkRLMkxyR0drcllKT3UwR0RpeG00ZnVmLU84WnV4Ql9NSnZyYnla?oc=5) · Minnesota Spokesman-Recorder
- 2026-06-22 [Black-owned credit union opens in Midtown Global Market - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSU9vQlNxUzN2WnowYks5eUwwQlRfX0xXemtkZTQ2UnJnT3kxN09hLVNPUnVSMDlOdjd1UzZxSHdVRzZ0SkJIMzN0YVY4eTdZZHRyby1LejI0U1JfMWdGakxwSlNtZ05ZRzEwTkJZZlhYdEx4SFBBcUJrTFZUc1JucTlpZUJnSTRGaWlBQTF1TDdMRWswZjlYbjFDOEMtWWRNX1UtZQ?oc=5) · The Business Journals
- 2025-12-30 [5 trends that shaped the credit union industry in 2025 - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWjJLMGhpTEVaRERFakFVWVdaV1ZmeTIzLVZNajV5VDZINFpXaG04VDF2czF0dmZHR3ZqRlNXc09ydjlrN3BHU29tSXppWENtd2V3M2ZIWl9pRVBtWXVDaVpLcWFsbEtfRHZpQ0RqQ21LTmhuUWdFaEZRMEsxbmdVejdjVF9Hd1N1eFNQRFJnZGhpMEItNFE5VQ?oc=5) · American Banker
- 2026-06-19 [People on the move in Indian Country - Tribal Business News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZ0NPbi1saWo5aTFkeXFqQmV5VWdna1dYYWgtYmFGSGdWeFBMdGJRTWZLNWFWb3VEc2hUc2hjT2wwbVpiYVhsVHFheEVnMkdXMzhkQUpYQ2FlR1hFZUdOd1BwZ3BOUE1KWUJaaTNoRWxhN284TXVjUV9XSmN0bkxtUERsUmRyY0tUVmEzVW95eFpqanQtVFEwREJ0UEFEaVo0aXpUUlhsT2FwUQ?oc=5) · Tribal Business News
- 2025-09-17 [Tribe FCU Completes $130,000 Subordinated Debt Offering - ACCESS Newswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNUUpwUVUtV2FjcVhSODRySElyRG9Pa0d6UWtvaDI5dHlSNl9HU2VRbDZhOVFYQ2xwUmdfU2owaEJuUHd6dHZRMXBXLTRHYWhZb0FDNEhnNHc2NkRrVmhGS2RXYnd3WEQxWExLN3N2Sk8wemI2UVpxSWJ6bkVYamZRb2UxOVBkZm9IS0pxc3lXTWZVNnFyOHlfSWRyM0pHVDh5OTNPZnlyMWN6UDA1eGVpMzF5YThKWmZndU9fTFU5cWJQa0d3eHV1OGRMZGZ5cHRBMkE?oc=5) · ACCESS Newswire
- 2024-05-31 [NCUA issues charter to Tribe, ICBA Payments announces new leader - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxNMF9qZVdoY0w0SFloT3UwN2Y0aWVXeUdFVlNZX1NRNHZwb3p6Yy00dDM1WDAxMmRUbzY1TnFvMVVfVjd1aDVpUFgxQ0FyZXJjMDZ4LVl1bHUzYnQwbVo4TTRlSEt5blpzYkJJVWRDUy1TYjV2WENHUExMZXBtd25QMWkxdXMwZnFLVmxTUmNIZUZ2TnZ3bWVDUnJvNTBpWnNn?oc=5) · American Banker
- 2026-04-21 [Community rallied to support Midtown Global Market amid ICE crackdown - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMHdOWkNBTDZSUmN0UHBHLTN1UFVIVF9vTFRMeHR4TmJGbWF2NkRXWDZELWVYVEhfZzQtVWJHNXBoZDdSTklsVFFoOGJ5cUExc0tqUndqc0s1YXFZRWd4UUQ5Y2ZBUjJTcXotRkp1aDFNekthVTJEUmJzUHdGdTBjc2NlTDd0S1ViWWVNNTNITDRQRXZDWkNhOGd3?oc=5) · The Business Journals
- 2026-03-23 [Wu-Tang Clan Expands ‘The Final Chamber’ With 2026 North American Tour [Tickets/Video] - Live For Live Music](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcnlodkZNLXlDYTc2NXhoMmFZZUVKRkVWVlBxQUhtOWFsQkNsd3VTbmJCOUFUSThzZDh4dllZVXp3dElYMTB3bjIxYVczMFhjOW11cEFOOGJXRkVUUGJrZDVKb0tWdVFRajJkYmJrM0V4ck5lVzNiN292N2c5UkNYVExENElEazIzaW5pVzQ3Y0xOaElzeU1NRTczeG1tbjA?oc=5) · Live For Live Music

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24960 (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/0.json (key "24960", 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=24960
- 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