# TUSKEGEE
TUSKEGEE, AL · NCUA charter 2791 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tuskegee-2791

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated, minority depository institution. 2,055 members of 8,500 potential (24.2% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 17.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.7M |
| Members | 2,055 (0.7% YoY) |
| Full-time staff | 3 |
| Net worth | $459,631 |
| Net worth ratio | 3.9% (p0 of band) |
| ROA (annualized) | -0.51% (p15 of band) |
| Total delinquency | 4.50% (p92 of band) |
| Net charge-offs (annualized) | 1.27% (p89 of band) |
| Loans / shares | 63% (p58 of band) |
| Cash / assets | 38.9% |
| Borrowings / assets | 1.71% |
| Net interest margin | 3.57% (p37 of band) |
| Operating expense / assets | 5.10% (p80 of band) |
| Vehicles % of loans | 29% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 9.24% (p98 of band) |
| Vehicle NCO | 1.68% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 21% |
| Average share balance | $5,593 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,625 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, expense trap, repo signal |  |
| 2016-06 | 6 | delinquency 2x band |  |
| 2016-09 | 3 |  | capital below 7%, expense trap |
| 2016-12 | 4 | expense trap |  |
| 2017-03 | 5 | members leaving, loan book shrinking | expense trap |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | repo signal |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | losing money, margin squeeze, charge-offs p90, repo signal | members leaving, loan book shrinking |
| 2018-06 | 5 | expense trap, assets shrinking | losing money, margin squeeze, repo signal |
| 2018-09 | 7 | losing money, delinquency rising |  |
| 2018-12 | 10 | capital below 7%, net worth falling |  |
| 2019-03 | 10 | repo signal, members leaving | delinquency 2x band, delinquency rising |
| 2019-06 | 10 | delinquency 2x band | net worth falling |
| 2019-09 | 9 |  | delinquency 2x band |
| 2019-12 | 8 |  | repo signal |
| 2020-03 | 5 | repo signal | charge-offs p90, assets shrinking, losing money, members leaving |
| 2020-06 | 7 | net worth falling, margin squeeze |  |
| 2020-09 | 5 |  | expense trap, repo signal |
| 2020-12 | 5 | loan book shrinking | net worth falling |
| 2021-03 | 4 |  | loan book shrinking |
| 2021-06 | 7 | expense trap, delinquency 2x band, delinquency rising |  |
| 2021-09 | 6 | members leaving | margin squeeze, expense trap |
| 2021-12 | 5 |  | members leaving |
| 2022-03 | 7 | repo signal, members leaving |  |
| 2022-06 | 6 | charge-offs p90 | delinquency rising, members leaving |
| 2022-09 | 6 |  |  |
| 2022-12 | 7 | net worth falling, margin squeeze | delinquency 2x band |
| 2023-03 | 5 | members leaving | charge-offs p90, net worth falling, margin squeeze |
| 2023-06 | 6 | delinquency 2x band |  |
| 2023-09 | 4 |  | repo signal, delinquency 2x band |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 7 | expense trap, delinquency 2x band |  |
| 2024-06 | 5 |  | members leaving, expense trap |
| 2024-09 | 8 | net worth falling, losing money, leaning on borrowings |  |
| 2024-12 | 7 | assets shrinking | net worth falling, leaning on borrowings |
| 2025-03 | 10 | margin squeeze, charge-offs p90, repo signal |  |
| 2025-06 | 5 |  | losing money, assets shrinking, margin squeeze, charge-offs p90, repo signal |
| 2025-09 | 6 | losing money, assets shrinking | delinquency rising |
| 2025-12 | 6 | net worth falling | assets shrinking |
| 2026-03 | 7 | margin squeeze |  |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-03-02 [After six years, jury selection begins for man accused of killing Aniah Blanchard - WRBL](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSnpoRnEtelVsbEdCcHJ6X3BYek5KSDNfempjX3pPaVJKZkxkRFdmTFFIYU1kWDZncVhLZ2hMT2RLRDFjRU00aER1c1drcXZ3LWFRS3JxSHpFRF9XSzdJbkZrMjM3TU1IMEFNTUJqdExXalNxTVNlQ2hsRVpMTUV2SVZZMEVwNlQyTzBPcENHWUVPeG45NVQ2MDI5Wl9wb3RHdXE1ZlR3SFlBUlXSAbABQVVfeXFMT0I2Y0Z3d2VHbU5JNmszRkJlcENvSG0zbzh3Rnd5YVlHbENtQ1JLNUUyRHd5OXFDeG13SjN0UFVYaWF3cENHSHpEWlphcTF2bFcyazctRTFqbmFOaWNqRVB5azdDdzVwZjA1TnhHLXhMY09XS2xCZXJJM0NrX1pSQkZBVl83SW45TGF4OVNtQzhnVFlGOWVnZU96VXF4MnNGY1gxdTlZQ2I2UXd1dGNlWmw?oc=5) · WRBL
- 2025-08-25 [Tuskegee University breaks ground on $14M game-changing genomic research center - Tuskegee University](https://news.google.com/rss/articles/CBMiugFBVV95cUxNLXdiUndIUEtIdnpHUlg1cU5HNTN1QmhvRGhHWnR5TFhsWUpkdXYtVFB0d05XRHhodC1sZU1pMDRubFFKTWF2N05xR0FWSmQ2azhtNi1KX25XVXFGWm9RUmViT1ZrQ3ZTSE0tZUJ3Tk1aUzNVc185Y3k1M2hhZ0JOOTczUVE2MzZoM1lWSjFXdWN2TEFza1FuRExKZGEzeEEteVpyWXM2ZnZfVjA1aUtLam9kLWhneHE2V0E?oc=5) · Tuskegee University
- 2019-10-23 [BTW-Tuskegee's Joseph Graham wins ASE Credit Union player of the week - Montgomery Advertiser](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNN0h5ZVJiUmJTUFBkT0dBYVhtdjB4Yk1JRFRRcVVYZkRSLWcwcTMtMHBjY080OTNFRUZhaWNSZE1uV2djZkVMbTRRVXRlaU4zTzVETEZSdGx1UGlWU0hnT2lnZllUVWhOY0NrWXd1ekpVbm4waFNYX19sSURPNXMtS0VxUldLdE5Ydm1pbUREY3l2ejN6MVRWX0JjRW5zQ091cWNOU05HVC1XRTA0OGp4SFZ5VVEzZkZ6SWFtNzhURDM5LWpKcTZtVDBxUHZuVkkxRHczdkdJNWhpOURKUTJyb3FWMmhSX2RMZ1E?oc=5) · Montgomery Advertiser
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2023-01-03 [FDLE: Former Pensacola Navy Federal employee participated in dark web fraud scheme - mynbc15.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPV3FNam9aMjd5WGVNVkI3ZEYwM0M4UkZCbFduMGp6N1poc0JKZUl6bDVQZDhKNnRMRE1GcVk5NmkyRjRvUWw2UU05M1dEdWE1YnJUSTZYcEd5RkktTWtLSFRlb2Y1bmlwYjIwNnZWbU5XbG9udFo1WmF0R2dlTEZheTM5VF85R2JuRTB2ZlZFdWp5TDI3Y1B3SW1GMkM0UURHekM1WDVvSGdXQkVHLVNzYm1B?oc=5) · mynbc15.com
- 2014-02-24 [News - Famed Tuskegee Airman Chief Anderson to be immortalized with USPS stamp - DVIDS](https://news.google.com/rss/articles/CBMipAFBVV95cUxOS2RscDE2d3dxVzhaU2pBMTAtdmRfWXVMNk9nN2hXaW53TUtuMW53YTdPMmd4NEhObEt0djBhNmxocXI3SkU1RHplTzdxVWNoMms3Z2ZaX0IwS1hzeVAyLTdPTjZ2Qjh5Nk10Z3Q5OGhVMFRWVmlNd015a3FqTnpqZUdqb3A0TTF1ZHJQZ1pNeGstV0w3WTB3eDQ4WkR3ZXp1ejNaOA?oc=5) · DVIDS
- 2022-11-14 [Sarah Lee Williams Obituary in Montgomery at Ross-Clayton Funeral Home, Inc. - articobits.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVzQ3QUxrSHpuSmVMTkZTemg4RFBmRmRydTZFRXlKaXlDSXV3Ql9VVWowS0M5Y19WQ3BwN1ZBTDQwbzhhekg0RVNnVmpfcjZuWk5FY2JjblhkR3Mwc1BTU2pYX2x0TjNqU3dKMi0wZ1NkMFVNRmktdmltekJUY3Bob29xd29OdXRpREVxY081bjBuR0hVWENyRzNR?oc=5) · articobits.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2791 (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/39.json (key "2791", 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=2791
- 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