# TUCOEMAS
VISALIA, CA · NCUA charter 5718 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tucoemas-5718

Who the members are: federal charter, community charter, organized 1948, low-income designated, minority depository institution. 26,931 members of 483,550 potential (5.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $336.9M |
| Members | 26,931 (10.7% YoY) |
| Full-time staff | 73 |
| Net worth | $31.6M |
| Net worth ratio | 9.4% (p21 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 0.64% (p55 of band) |
| Net charge-offs (annualized) | 2.98% (p100 of band) |
| Loans / shares | 49% (p7 of band) |
| Cash / assets | 20.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.62% (p96 of band) |
| Operating expense / assets | 4.16% (p70 of band) |
| Vehicles % of loans | 64% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 238% (p85 of band) |
| Vehicle delinquency | 0.78% (p65 of band) |
| Vehicle NCO | 3.47% (p97 of band) |
| Repossessed % of vehicle book | 0.60% (p97 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 12% |
| Average share balance | $6,372 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $10,260 |
| Loans granted, annualized | $34.2M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 5 | members leaving |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 | repo signal | delinquency rising, members leaving |
| 2018-09 | 5 | delinquency rising |  |
| 2018-12 | 4 |  | repo signal |
| 2019-03 | 5 | repo signal |  |
| 2019-06 | 4 |  | repo signal |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | thin capital, delinquency rising |
| 2020-03 | 4 | thin capital, charge-offs p90 |  |
| 2020-06 | 6 | net worth falling, loan book shrinking |  |
| 2020-09 | 7 | margin squeeze |  |
| 2020-12 | 6 |  | net worth falling |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 | delinquency 2x band | charge-offs p90 |
| 2021-09 | 7 | delinquency rising |  |
| 2021-12 | 2 |  | thin capital, loan book shrinking, margin squeeze, delinquency 2x band, delinquency rising |
| 2022-03 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2022-06 | 4 |  | delinquency rising |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 5 | losing money, assets shrinking | delinquency 2x band, delinquency rising |
| 2023-06 | 6 | repo signal |  |
| 2023-09 | 6 | delinquency rising | assets shrinking |
| 2023-12 | 8 | thin capital, net worth falling, delinquency 2x band, leaning on borrowings | repo signal, delinquency rising |
| 2024-03 | 7 | delinquency rising, members leaving | losing money, thin capital, net worth falling |
| 2024-06 | 8 | repo signal |  |
| 2024-09 | 6 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 6 | assets shrinking | leaning on borrowings |
| 2025-03 | 4 |  | members leaving, assets shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | assets shrinking |  |
| 2025-12 | 5 | net worth falling, losing money | repo signal, assets shrinking |
| 2026-03 | 4 | repo signal | net worth falling, losing money |

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

- 2021-08-17 [Local credit union gets $1.8M relief grant; will use for small loans - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQUVnZ3VsR2k1Nkc0MUN5V0oyaHEtTG40N3N5dkVPaUVvVV94TUhEcEpBNzJ2emhMLVd1Nmt0X3VqM1h0azZvVVJsQlp1RTVocVY5TndNQklNbXZtYkFkYVVDVUVaVVBGdElyWXlsZ3R5d2JVQTB4Y2duMW5tX1RaTHFPcFh4UDBUV2dleXlyY3p1dGI1RFE2QUhWc2RuMmM?oc=5) · thebusinessjournal.com
- 2018-03-16 [Tulare PD: Tucoemas robber caught in Northern California - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNU1pqcEN0RHA1c01SdzRjSEU1TWFEOFlvMEYtZ3R2Zng0YVE4SUUxTm5tRTdIcnJIU3JiWFpueS1fdkF5ZnJFMlcyXzRlZmEyZ1Z2NTlRYXlVZUhDYWlFTU8yMmdoN2hNR2NJNHpHNUJnVWEtclUzcXhxNmJCaDFTZGV4eDFrS3kyRXVreGVNQTJLcHpmdHpSMEhvVV9MOTlSMHFzVjNFQzhVYVVUcmpDNXBCdDRXZkdZM2xz?oc=5) · Visalia Times-Delta
- 2023-11-17 [How 5 Differentiated Bank Brands Work to Stand Out from the Crowd - The Financial Brand](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdXlZUEVvektHMHZ3TDhVeS1PdDA1UldJdmVtRGhpTGRFOEVfckRBR3kyNU9XZGU2YVFyb3E2R1FIQVRBRHk4ckpCTTBVT0hPTm80elpHbGNJLXg2cHpNeXBGS1BiUWZWaU5RMkhXSGlvSEpRNGVGcjJGLWcwZ0RMNGtYaXhqTERNRktYYlZPQnZUdmRZekZGUmxQZ3FUaWNMSkRQb3Y3d2N3WVpOLW9SZHJjQXJkYV93Zjh0TzljUQ?oc=5) · The Financial Brand
- 2024-12-31 [Banks for Immigrants and US Non-Citizens: A Comprehensive Guide - businessinsider.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN3RBb1NXSm5seGNfVk4wZlNKRXJad3IwQ25GTUVRdjhlSkw5THZmQ1VQUFM0TzJ0WkFWLVBqcEZLcUI3OXR2VjczeFhfaXVHNEI3c0xPVmgzb1hnMTcwaVV5dVRUenF6cS1NZWZUS2dvQ1VFZDM4RFF5NGhkU3YzSWtOYnlRWWVhOHlpUEtPRUN4aVFXTWVobmNyeDZ3SlVRRm5JTW1rcXNna0E?oc=5) · businessinsider.com
- 2018-03-14 [Visalia Police arrest 2 people who allegedly stole $20,000 in items during home burglary - ABC30 Fresno](https://news.google.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?oc=5) · ABC30 Fresno
- 2020-06-16 [Jaime Cairns Obituary - Visalia, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1OMENqSWdnd1hFM2pNMXM4YjUteEtuR2tqZG51R0hHNjJFQzdLc2tfWHdzNnFHdWJTQk9fUmgyY3lPYjc1V2Y1U2hjQWE4OXVzYTQzT2s2Y3cyNGpNam1xRFczV1NYOXM3dlRTeUtVSTRoRk9rOGtDUTRBSC1zd2M?oc=5) · Dignity Memorial
- 2016-06-16 [TUCOEMAS announces new CEO, promotions, retirements - Visalia Times-Delta](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTHVMR19HWk4wc2ppSEI5cm9TdEZocnF2d2NOaVZTZDdjV2s3OFBHemE4WVc5cmlGOWp5NUp2R2dGSXVmOUJ3TmlQbV9ScXJtSUNYdWd0NV9paWxrN0NkcXF6eWRYczk2ZDFnSnNDZHljOWxNSDBManFSQk1sTEYwUEQzOG85VHVzbklCTEY5NGJ6dklUbVVOSnRGeURVaXhyM0FzalNaMHU0d05weEtGbkpZa1hfRXh6aFE2Njhn?oc=5) · Visalia Times-Delta
- 2014-08-28 [Garrett Bragg Obituary (1997 - 2014) - Visalia, CA - Tulare County - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWnB3QXg2SmZ5YmR3YThDb0VhbEZrYThoSXRqaUlBcHJYOU5SRXJMTzIteVBkSW5ycXFEeW1XTjJLVmN3MGVKRTFTLTU4RUxlb25LRXBac3NnZ2ZhT245OEwzcTVPb21rMXlQS1p2TTc0RkcxX0t2R2FyQ08wbk5kZVJiUklBRm9uN0hqUnl5ZWE1Sk1hc3JrQWdR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5718 (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/22.json (key "5718", 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=5718
- 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