# T H P
Terre Haute, IN · NCUA charter 4488 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/t-h-p-4488

Who the members are: federal charter, government (single sponsor), organized 1941. 883 members of 2,000 potential (44.1% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *too clean*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.2M |
| Members | 883 (-3.5% YoY) |
| Full-time staff | 2 |
| Net worth | $972,837 |
| Net worth ratio | 23.4% (p83 of band) |
| ROA (annualized) | -1.02% (p10 of band) |
| Total delinquency | 0.17% (p30 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 91% (p91 of band) |
| Cash / assets | 28.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.86% (p83 of band) |
| Operating expense / assets | 6.77% (p93 of band) |
| Vehicles % of loans | 94% (p99 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 | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 3% |
| Average share balance | $3,072 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $11,358 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | assets shrinking | loans>95% of shares |
| 2017-06 | 6 | delinquency rising, loan book shrinking, loans>95% of shares |  |
| 2017-09 | 3 |  | assets shrinking, loan book shrinking, loans>95% of shares |
| 2017-12 | 4 | loans>95% of shares |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | net worth falling | delinquency rising |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 2 |  | losing money |
| 2019-03 | 2 | losing money | loans>95% of shares |
| 2019-06 | 2 | loan book shrinking | losing money |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | losing money | loan book shrinking |
| 2020-06 | 2 | net worth falling | losing money |
| 2020-09 | 2 | losing money | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | net worth falling, margin squeeze, loan book shrinking |  |
| 2021-06 | 2 |  | losing money, net worth falling, loan book shrinking |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | margin squeeze |  |
| 2022-12 | 2 | losing money | members leaving, net worth falling, margin squeeze |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  | losing money, delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | losing money, loans>95% of shares | members leaving |
| 2024-09 | 2 |  | assets shrinking, loans>95% of shares |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 3 | expense trap | assets shrinking |
| 2025-06 | 5 | assets shrinking, loans>95% of shares |  |
| 2025-09 | 4 |  | losing money |
| 2025-12 | 3 | delinquency rising | assets shrinking, loans>95% of shares |
| 2026-03 | 8 | net worth falling, losing money, margin squeeze, assets shrinking, members leaving |  |

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

- 2025-10-07 [THP Graduates 27 New State Troopers - GreenevilleSun.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOakctSnh5M3g4S3dMUEVNWjlpS0JoZGVzT0NFX04yZ3RIQW1neDVMQ3V1djN0SkNSZHhpQlN3ZWZsa0FoZGVmZ2U4WjdCVGtNb2tna29OS2RiOS1oazE5SE1NLXpCaVFVSnREdUpiU2FsRFkwMTJGVUE1OGV2LWxMSGxfa19LZVItdmd6bGpGQjhZamJmY3U1eUZUa1ZIVzR5aVItQlh0anozZmNranRCbk1DYnJzY3lfTWdSV01Bb1NUaUpUU1VXam5LYTk?oc=5) · GreenevilleSun.com
- 2026-08-12 [Private lenders say no to some Harvard degrees - The College Fix](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVW9LWVBtaEYxU1RzQVBmWjZLSFJfUVhpc2NzejduRFh3WXlVY2hQdjFxWUtTb1FHNUF3eDJySTd3M05pbzBHZGthVlZ3SW1nYjBrZjJXVzlob3B5M1kzWDVSb3AzQm9ub3VaYnktWWIwWWhEaF9icUdvOHM1UE5sSHVadw?oc=5) · The College Fix
- 2019-04-12 [THP: State Troopers stand ready to help Hancock officials - The Rogersville Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYnA2TWpBOWkzV2tNX1o1UlFZeU9mbmZBNDA4aXVWZUxoczFMNHFFZXFEZFNhbkF3bTZvY2FOMmJQNEVFVGVwdHdPaEFKaGhQZG5wellfVVJFVTFzZF90cWJMZ1p0a1VFRFhnTnZJcDdwaEZxbHJSQXVqdzVqcl92WWR6RUJPM0F3TUZWeVZlUDVZSHVYQ2VPTkZPZFkyLUk?oc=5) · The Rogersville Review
- 2025-08-26 [Installation of new traffic light nears completion at this busy intersection in Jackson - Talk-N West TN](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeWxmZ0xOTERmaEE4Q3NZbjI5WDZXZ2xPSVkzQjJQdElHUXUwaGhsdi1hUk52dUhvV2VtaEthWEwzUXYzVDhkdXl2aE43MWdSMnJaSlZ6QklkdXF2SXFOTkNSblZLb2ozdlF3TFhlWGxMSHBodlI2U3dFWmRwQ1BZNkZYUU0zQXRadE9EQ1dMdTdqWlpQVDl3MEpPLXY1ekMwald5M2NQZnFidGpZSmFzRg?oc=5) · Talk-N West TN
- 2019-02-22 [THP trooper offered to destroy evidence against Knoxville police officer, video reveals - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMitAFBVV95cUxPaWkwcTgwd0N2YnJxOWpKYmpXZ0lONlBjNHR5M2lZYzBTSnFFRkJUcHZaTnk5ZEd4LXVYdDNZbVFhcUZNcDh2TWR2cWVRZmU1YUo5VVFqY1lfVHhjQS13QWszd0o3aUNvVmNmdEF5LTNJSGFXZ1pWYTNIMnZSOTVWa0tQcG12VFZvT1VRMWZ1R2Q2c1VzbDFTTXFqTW5BbGRUUmFqdnN5MUlVbXNRQlExakwzMGs?oc=5) · Knoxville News Sentinel
- 2026-06-19 [Bank robbery suspect captured - Lebanon Democrat](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaDE1bVQ3azViZUhwcmFHcld3Mkg5a015a3haWmowY2VZYUVPcGVWVE1VTzhVcUJ1TjlkZElkTTExNUJrYXliNWs1Q241emVra004cm1LNlA4Y09feDVFQUlmOFQwWlZoZ0Vsc2tKU19RRVJyX2pCUnM0eDFfaTNLM20tOHVrT2Y2c1FWY2sxNFQ1NGhFdXFuazhUdlU4U2dZQmZSZmhjWFdtVlU3SzdTb3JhTzB3Vmg4NWxV?oc=5) · Lebanon Democrat
- 2026-06-21 [THP: Vehicle drove over body laying on I-81 early Sunday morning - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOeEh4RTd5SzNhNVBzMzlMb2l4U0dGZnhxQmgtWlBKUHZmNWd3MTZGdjJuMktQZXV2SWxUeFkwUXNtemY2bkY3amFyRHdLTWZKOEk5bVdmQ2FCaFJ0R18xUFdsR1lmYlFnZ09XUTdiaFl6SFR4YnB6Wml5d18yR3NJVWFKN0x4cE5HREFYQUJva3VjRlhQX21iVlpmSzc1ZVVPeUlOdFJyZnpsZGNVcVVUSFpDM2o2dDRaSjJ1QXB3WXF6M0t6WmNfMEdHSlRQQ19Xc0tsbHhZVTB0UHE2QW9aSDVyZHZobHBZcXNxSFZScmtkQQ?oc=5) · GreenevilleSun.com
- 2007-12-10 [THP Cadet Fillers Graduates, Assigned To Greene County - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQYTg0WXAzYkRKbzZtRnVzdm8xdFhrQ1BFRC1ubjhMQkdCdjhMclNZRjZaZHdwb3ZtNGgzQ19HMWNac2pYU3VMWFZZck9vLWwxdklUMTE2aWxxS2x2aklvaTdIM1BsLU42TDYzM2lBV1BBVnBXcjctaVBlZ3oxZVdjTnF3S1AzT1ROel9WclFFalNGbThiZDBXSWdQMlBKQ0YzWU9HclpLUWxFV1lsbVl5Tm9YeEhsR0xSR3l5bVhfMnBuU2o3UVFwdnY2TzBhMjdsdmxpUDBB?oc=5) · GreenevilleSun.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4488 (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/8.json (key "4488", 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=4488
- 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