# TRUITY
Bartlesville, OK · NCUA charter 3130 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/truity-3130

Who the members are: federal charter, multiple common bond, organized 1939, low-income designated. 75,525 members of 1,000,000 potential (7.5% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.30B |
| Members | 75,525 (4.0% YoY) |
| Full-time staff | 235 |
| Net worth | $115.0M |
| Net worth ratio | 8.8% (p11 of band) |
| ROA (annualized) | -0.26% (p2 of band) |
| Total delinquency | 0.68% (p56 of band) |
| Net charge-offs (annualized) | 1.32% (p94 of band) |
| Loans / shares | 95% (p78 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 3.34% |
| Net interest margin | 3.80% (p82 of band) |
| Operating expense / assets | 3.98% (p86 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 96% |
| Third-party paper % of net worth | 453% (p96 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 2.11% (p86 of band) |
| Repossessed % of vehicle book | 0.22% (p85 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 21% |
| Average share balance | $7,866 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $52.0M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $23,487 |
| Loans granted, annualized | $444.1M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $52.0M outstanding purchased (45.2% of net worth), $3.1M sold and retained. Sold in 5 and bought in 8 of the last 8 quarters. Shares 9.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 5 | net worth falling, charge-offs p90, members leaving | repo signal |
| 2017-06 | 3 |  | net worth falling, charge-offs p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | repo signal |  |
| 2018-03 | 3 | delinquency rising | members leaving, repo signal |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 3 | loans>95% of shares, auto monoline | thin capital |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 1 |  | auto monoline, thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | thin capital, net worth falling, losing money |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | thin capital |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 1 |  | thin capital |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | charge-offs p90, loans>95% of shares, auto monoline |  |
| 2022-09 | 6 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 7 | delinquency 2x band |  |
| 2023-03 | 6 |  | leaning on borrowings |
| 2023-06 | 5 |  | auto monoline |
| 2023-09 | 4 | leaning on borrowings | delinquency rising, delinquency 2x band |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 2 | net worth falling | loans>95% of shares, leaning on borrowings |
| 2024-06 | 2 | loans>95% of shares | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 4 | losing money |  |
| 2025-09 | 3 |  | losing money |
| 2025-12 | 5 | losing money, leaning on borrowings |  |
| 2026-03 | 5 | thin capital, charge-offs p90 | loans>95% of shares, leaning on borrowings |

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

- 2026-09-01 [Truity to Open New Full-Service Branch in Collinsville - Bartlesville Radio](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNNEdvZXdWS21yeDJBeVc4OENRclp0TWVzWXV4cmpDMGlucHg3RkFfbFVYUWkxaW1Xc1Bja3FCU0dORUhwd3ZVYjZMUURReVRud1Z2VFQwVEZnbHNnTlNCaVlvZC1EaDZLSnZfeHZUc0pXMDB5TzRQclNUczFZRUdkLVoyQzN3dVBQV0ZVSWw1TVhSX0FrVDdZTzVPaFN1em5NUTl1TWtzRjVlcEQ5dE1YUDlGRUNkU2tkYWp3ekxSeEgxNHNwNjVVSENwWHpSVnNoYjhlczd4UWZINjZMRWROTm5BM0VacVhFaFE?oc=5) · Bartlesville Radio
- 2026-01-20 [InvestiFi secures contract with Truity Credit Union to deliver digital investing to its 75,000 members - CUInsight](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNOHlxZWV5YXRtcnRiazJ4ZjFCZVlsVzlIN3ROMVQzQWxYMG4yZHNnWFpudnoxSXRLLVhSMTBzSFd2RHZwSzhmRGdHdWtSMm1qdWM5T1RFR051eENncW9uX2VJcnFTb2sza3MwT3Mya1dTNm50ajFQdXN1Yi1jYUJmQUN3Y1hFRmxNZ0hjc25hQXkzUzBWYW1IWnM4cF84dVdSR0JWX2FSYklXZHhLWHZJX050cGJUemdCbXZUd1dPc3V3Q1JOX1BGU0dCTmE5WEQ2Vk1UMHJocDZJZw?oc=5) · CUInsight
- 2021-08-21 [Truity Credit Union welcomes new Bartlesville staff - examiner-enterprise.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPaWdrLTlhVzV1dC01eVJKbEs0X0w0MDFNOVVqd21aN2hMM2t2Rk1tcjMxeXptQ0ZhaWM4UC1LWFEyUWhRZUlTanR2aXJsR1pEanJKUm9pSDVmYS1xTVl4bktUbzRrNW1MbVpGRk5tdjB5TktCWXA3Z2xtVzVJTUZVYjlIWXp3U0NidFlpdUYzTzE2QldvZ19hYTZLb3ZXUWJmQU0tX2JuYk5tV1VzVkR0MDA4azNVZDlFVW9MSVlWYzlZTTg?oc=5) · examiner-enterprise.com
- 2021-02-11 [United Federal Credit Union Acquires Truity Credit Union Branch in Springdale, Arkansas - moodyonthemarket.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQc1pEOVlNVk1vaGE2cF9ndXZzXzgtTjhQbzctX2lqRlRDSGZnS2JVMWFlUURIZGdUcU5URndxRlNQMmgya3VpYnNQYWh3UGhTTmkwcm9VOE1pODZxWE1XNnVRWFdBbU5BMzlCU0ZCYUEzRHRiX3Q0eG5TNUVDYWY3LXdyemM2LTdLNzQ5VkxQOGZMdFdNeWJSSzlLYlBmNlRlcUFtdkZPZXZpcVBadnpCblY3dWpMMWU0bEUwRQ?oc=5) · moodyonthemarket.com
- 2019-04-14 [Cough joins Truity as CFO - examiner-enterprise.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNeVdRcFFsZFphVTJ1Z1N2WnNocDZiNlFEUFhlQ21jN2xGY1d1SFk2OURGN19TZ3Ewc2RDQ3BOUmtOWDBXeXhDNlMxbEdCYW44XzRjT2trRGx0d3dtMHk2clNQeDNGUmk3RlNjLTR0TnU2OTJyMlhxcVlvYWViUVNwOV9YMlJOal90cERaYmlXYzRKWXpsbjlEQUhzbEJ1TFFqMEhFMFdqZlBjdw?oc=5) · examiner-enterprise.com
- 2017-03-23 [Truity Credit Union gives Ray of Hope Advocacy Center capital gift - examiner-enterprise.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNT05iS05CWHAtazd1MVN3c2tIVUtKeDBnMnZhMUllMHFrdUlTUlhwdVZNejdEaVMwUmxobXJXODhxLTllampSZjR6WlNiQXc3bHE4TXJaZm5ja2ZubEROSHFacGFBWjJvMWtMQzBuTmZpMVcwQU5TR0IwYlZaTi1qejJUUkxKZHM4NjkzZHJScnpKQk5kQkxUVG5Dei1FOXdFSkFfZVJXMTZDQQ?oc=5) · examiner-enterprise.com
- 2018-10-02 [Thieves drain bank accounts - examiner-enterprise.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNb0o3dmZacUpwR3VQVzA3M2x5T1pHR2szalhmVXEyc0hTX1RaTGlGRnRpcnJsb3pkR3NjZlQ0dFFXWHltcFFWTmo2VndtMmk0TEhEYjZ4QjlabnduaTN6Q0xuSnJDTFVKWlZFcWVMcVZ4d2xvdUREZnhXWXd0cDBYa2I4NXFGbm94Z3d0bTR0NER6NEJuTU0yTVZDa0puSThyTlZTVUFn?oc=5) · examiner-enterprise.com
- 2018-07-22 [Bartlesville’s first pride picnic set for Saturday - examiner-enterprise.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTndNdG4wN0QyR1BpdHdjM0tub3ZKV240VlBJVlRWYmJtTTBjUWJJc19seVBnakNCLWVEWUVaWG5rbnRncEw5a2taSmRlTS1Mdlh2V2V5SGFlQVZkTkZiSGg5bEVqVHZ6czhQNFdGYXVqZDNOYkU3amZ6Um9uN0I5b1cxeFFEemJsUGJxQl92WEROVVVud0NRWllWek96YkdZb2tzTjNlNFpoYTlt?oc=5) · examiner-enterprise.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3130 (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/58.json (key "3130", 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=3130
- 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