# TULARE COUNTY
Tulare, CA · NCUA charter 3218 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tulare-county-3218

Who the members are: federal charter, community charter, organized 1939, low-income designated, minority depository institution. 11,209 members of 473,117 potential (2.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $156.6M |
| Members | 11,209 (4.5% YoY) |
| Full-time staff | 32 |
| Net worth | $10.8M |
| Net worth ratio | 6.9% (p1 of band) |
| ROA (annualized) | 0.29% (p24 of band) |
| Total delinquency | 0.69% (p55 of band) |
| Net charge-offs (annualized) | 0.34% (p51 of band) |
| Loans / shares | 81% (p73 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 1.39% |
| Net interest margin | 3.48% (p39 of band) |
| Operating expense / assets | 4.00% (p62 of band) |
| Vehicles % of loans | 53% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 229% (p88 of band) |
| Vehicle delinquency | 0.44% (p42 of band) |
| Vehicle NCO | 0.26% (p33 of band) |
| Repossessed % of vehicle book | 0.02% (p67 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 21% |
| Average share balance | $6,768 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,975 |
| Loans granted, annualized | $63.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | repo signal |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | members leaving | auto monoline |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 | delinquency rising | members leaving, net worth falling |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | net worth falling, losing money, loan book shrinking |  |
| 2020-06 | 7 | capital below 7%, margin squeeze | loan book shrinking |
| 2020-09 | 6 |  | losing money |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 4 | delinquency rising, assets shrinking | capital below 7% |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 2 |  | delinquency rising, assets shrinking |
| 2024-12 | 4 | net worth falling, leaning on borrowings |  |
| 2025-03 | 3 |  | leaning on borrowings |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | net worth falling |
| 2026-03 | 5 | capital below 7%, delinquency rising |  |

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

- 2023-11-13 [Tulare County Federal Credit Union, Raising Cane's coming to Northwest Visalia - Visalia Times-Delta](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNRTRhNHZVVGpQVnhVUG45cmR5aFRBaVRHa3JzNmpWQU51MGJqTXpuNEtPWjRBbnVmUEtoWURNNmJJZU1CVEUtQ1VYUDNvdEhqT2J4MktmbTBYS29WLU54RS1iMVhaWHo2SlM2N1FicFd2Rll5NEwxaVFZbjhwakh4ZHlLc1R5STFJVjA0QjY1cGJSXzh0SHd5dWlmVXlwU1lTUk9mN2YwMlJ1VkhmX2VXVGxHZ2pZNWpHQ2ZGX3k1RmVsR256eXEteGhoQ2dPcE5Td1p4eXFlVk5wY0VHX1NUSHYxbGR6T3I1MHBIUXpSc0FkUFk4MjBtRTdkUjlHMmM?oc=5) · Visalia Times-Delta
- 2023-08-02 [Grocer, credit union open 2nd sites in Visalia - The Sun-Gazette Newspaper](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMlY0cUY4eWw4S3BVV08yRmc0cDcyT3NsT3JSYzZVdXhNQy0zWkUxWnJ5ZU9jMlRnUUl1VnE4QXdLTjFzTXVtV0ZFZnZRNk9kRGJCbEJhM3hwZFRBbF93Z0xTb1JwZ2dLend0b1hmUDZZTG1FNFRZLXJMX2xOTXdyUnZBVXpDdlllMUhDYUJKTklBQXZ2Vnd0eTg3cEw?oc=5) · The Sun-Gazette Newspaper
- 2025-08-22 [Valley Strong Credit Union recognized as second 2025 Outstanding Business honoree - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNU1VEQnpqckpNN2xRaS1xOUJLaXYyMTIycGdKUm8xNUwyaDEzSXRmMk9uVHo2THkzb256NmRJZW5jeDFHSTdwN1JIYjE5SzFDV2ZFUk9NdUg0dm9UZjhsaHhEZ1R4VXEwN3QtMFJONGFscEdWSmh2X0pXQ3Rza3JjNzBGU2RSZUF0QVVsenFKaDNVQTZocHlROGNjdWRaVS1KZ0ZtUGsxSzkzWVNpRmxSZ3Ztcw?oc=5) · thebusinessjournal.com
- 2016-03-02 [PHS unveils new ATM - recorderonline.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObnhaRW9JbVRBR2twRnFzdnBIMVc4UHlldVIwVzVVNjJseDVNdzlCMlJGYkZxZU1xOHFiNF8xblVoc2FYN0tmSGUydUs4bWtEOVZBemV2SEhUbFN2STB5ZTY3WEFvdXRfYnVlMEp6Q3ZZMnFyR0ZDWWRrdXBIVjQyLV8zTTV1dFE0V0JQdkJmSkhQTnIzVXlob2RVdGdkcnp5RzlyNVFGSXI?oc=5) · recorderonline.com
- 2015-05-23 [Ralph Sterling Obituary (2015) - Tulare, Ca, CA - Tulare County - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxONVJ5V0NDdmVCXy1HN29EdDNtdmpia3ZxQzh0VkpFbjdvMnZsbXBlek5lZXV5cUZ2b0hiYTU0RzNTRmlwcXRBVG1lNzZqV0V6SG9HNHU2eG1scDIwRW1zQzhnOEx5amRacUxpeEk2dU05SDBXNWtJSnBRUE1od1JIdHl6X3FINWpraExrZUhzeERIWWV1TlBzX012dw?oc=5) · legacy.com
- 2014-08-21 [Traver Elementary students get new backpacks and books - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiygFBVV95cUxONWxQbl9SM0pQNDByTlc0R0o0Q1FQYS1pbTJRbHlsOUlyV1A3dVZNR05BT2lGb3QtbmQ5R3dHdkFsUTZjd1RoLXRmeHVPbTBWcHZxU1dMUU5JRnhoSHFUUlUwWnd0WkZGTThzRHo3dTJPMm9raUlPOGd1MmRpX001ZHd2QlVMR1VOZUgxcmJaaG16LThncWw4R05pRFRjNGpqWlozdXd4MUJzaVYtOXZ2WDhOb1NWZVNkM1ZZcTJKWUYzUlRaaGk0UGRB?oc=5) · Visalia Times-Delta
- 2013-11-14 [Authorities release details about detective's shooting death - recorderonline.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOblM5em5PM0ZYclhsX0tTeTlRTkNLQ3ZYdlJZSkV6elVMX2NlUmpycWpEUkpoQzdSVWdReHhaN010ZWlNR2dsbEtZel9qbGVabDl6Yk56SnpVQkN4VFJrQTlJX2taaWpSbEthSXVXVDR4eVNJRzRvVkVVMkZ1b25yTjhQa0U0cDhFR1NTV3hqTXBnX0dVOFpuSjd6N3YxUDV4eUhVSHUwLXRwWGZ0MFJ2cHk5X2sxLVM5LUNuOFlNT1ZJblY0MUtvU2NoUk9uN3dRcW1kN2JwTQ?oc=5) · recorderonline.com
- 2024-05-17 [Judy Fern Moody Morris Obituary - Tulare County - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8wOW82RW9EWXFXczEzOHdMRjN1aGVtQ0xLNElMMktSUW9aVlRUcGs1NV91WEsza3NZN2x1Tkc1UFpEWkNoeE9EUkdyMXZsalgtODdPZnJubTc4WllnMnMzTkljQTZTc1k?oc=5) · Visalia Times-Delta

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3218 (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/18.json (key "3218", 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=3218
- 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