# THRIVE
MUNCIE, IN · NCUA charter 3631 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/thrive-3631

Who the members are: federal charter, community charter, organized 1940, low-income designated. 8,323 members of 296,862 potential (2.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $113.4M |
| Members | 8,323 (5.3% YoY) |
| Full-time staff | 30 |
| Net worth | $13.0M |
| Net worth ratio | 11.4% (p47 of band) |
| ROA (annualized) | 0.64% (p46 of band) |
| Total delinquency | 1.27% (p82 of band) |
| Net charge-offs (annualized) | 0.32% (p48 of band) |
| Loans / shares | 72% (p55 of band) |
| Cash / assets | 24.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p48 of band) |
| Operating expense / assets | 4.52% (p78 of band) |
| Vehicles % of loans | 38% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 16% (p45 of band) |
| Vehicle delinquency | 0.63% (p54 of band) |
| Vehicle NCO | 0.55% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $5,699 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $336,052 |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,145 |
| Loans granted, annualized | $25.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $336,052 outstanding purchased (2.6% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2024-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-06 | 3 | delinquency 2x band, delinquency rising, members leaving | net worth falling |
| 2024-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 1 | delinquency 2x band | members leaving |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency 2x band |  |

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

- 2026-07-30 [TRUE Community Credit Union Offers Free Tools to Help Jackson Residents Financially Thrive - WILX](https://news.google.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?oc=5) · WILX
- 2025-12-18 [How credit unions can thrive in 2026: Global lessons - CUInsight](https://news.google.com/rss/articles/CBMihAFBVV95cUxORmYzNlpEY080eGNOemRXZkpOcE0tUWJGZXlxQU9KalltY2dxSDBfRElWYlI1MFY5VnIyR1ZSeE9mSlNNVC00T3EzaXh5REsyTkM2SDRROVFfcXlDaWZkX2c1ZWNSNGN2aGpXNXN1cjFRS29aV2VIanBKZzRKVFllMVBqZ28?oc=5) · CUInsight
- 2026-03-20 [Senior Living Dealbook: Thrive Senior Living Acquires Three Communities; AgeWell Living Rebrands - Senior Housing News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQSTR0ajNLTEk3cHJ4d0JtdjQ3TTBIVGRiQ3hhV1VETnM4aUsyVkwzZnU1WUF5QkJqcnB1YkJGc01JckhvMzZnVEpmTDM5WUo0bUdVb2JwcmlXc0dPQi0wTTF2akRodFNMRFlzTHFISzB0TVhLSVNuWnNHemJnVkRSTXc1Q1dsOFh0bEpHYzIxdzl3T19rMFhxSnIyVDAtaGszdlBTODlpNVFmTjN5R2pvc3AtWU5QV3BKNWN6UDVaYnV2dGpaeFN3V19oSGpJeTJ0T1E?oc=5) · Senior Housing News
- 2026-05-07 [Borzykowski: How autism can make a workplace thrive - Long Island Business News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMGRiOHY2ekFPalk2dVNvZU01blN6RzZEbWlxR0VVejhyT3JDVVZNcVVDcUljZnNtQXBEcmNUUmRzUnhyTzliVkQ4RXFYa2FXWVlTcHZJaHFOczhIVkdxWm9tMUVscVV6dURYLWF5b1dyYVM2SEFkcUR5NTZ2M2VqQklPdE9qdw?oc=5) · Long Island Business News
- 2026-03-02 [Modernizing the LOS experience: How credit unions can thrive in 2026 - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxQeWZfMUE1VHBSa0dTNmtoTUgtY25JQVhVZVU4bjVrRkEyZm95aTk4NVdSaHRoak5aaFZIQ254em5iU21ySVJEQUVxdjB5WUhFZXZQNXV0V1RYTHFOOWNNcmNDWFNuVmFab0xFdGxYWXY5UGZaOHBBSzRRZzM5dmc2UkFJdVlyODdNdVhYd1F4U082UjYzaGY1M3JR?oc=5) · CUInsight
- 2017-09-06 [Thrive Credit Union Recognizes Judge Marianne Vorhees with Community Leader Award - Muncie Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxOUU1OSC03WElIS1ZWV0hhSWV0N2lsUW5lZ29NTXhQSVJybEFISnUxOFZzeExiX1AxR0dQbm5MVTcycGtYdW5kZDNnMmpUZEY2aVlXdk9rU0poVEZ2T05HdGdhdGFmT2FtS19nWXBENUFCRWpBUk1Lb0ZZWjBxcUNJSDNjWUpQWXBwYWoybEgwMFFsSHd3bmUyTmNSWXh2OU1oalF2cXpzUGlKVmctX000SlpXNU16Vi1YX3BiUg?oc=5) · Muncie Journal
- 2024-07-10 [Thrive, Develop, and Grow - ATD, association for talent development](https://news.google.com/rss/articles/CBMib0FVX3lxTFBhRjctbkJlVi1vNEtGdFhONlVPUmxzVG1NcUluZF9EaU9ZY2ZkZWpUZ2dpeDFnbGh5N2NNNUV2dW1Va2pIMjV6cVlFeEhiS0x5Y1VtRVNoRHNlWlRNWUlyOVZxZ1lXNDdyRHRPdEk4TQ?oc=5) · ATD, association for talent development
- 2024-10-19 [International Credit Union Day to celebrate the way credit unions make dreams thrive - Co-operative News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQSzVtek8wU01QVGJGUGlKTFg5YkVTNFhRWUNCZmIyaFN5Y1FYOXplSEw2cU4walFGY1I2R1BCeUppaHFIekRudjNCNFZKTFdva3lJaVZwMzREdXd5RzViaDhDY3dSVWZLaXBoUGpLU2h0SGVYeEZsV3dPWVVNQnF0SFBCTWZTdjd2ZlR3T1FKMHZqYkNFX2ZiX0wxaHVyNFJrNVRzZEZFNWFxRUtBTXBZ?oc=5) · Co-operative News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3631 (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/47.json (key "3631", 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=3631
- 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