# TLC COMMUNITY
Adrian, MI · NCUA charter 60509 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tlc-community-60509

Who the members are: state charter, organized 1956. 49,057 members of 800,000 potential (6.1% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *quiet fade*. 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 | $938.0M |
| Members | 49,057 (-12.6% YoY) |
| Full-time staff | 142 |
| Net worth | $133.9M |
| Net worth ratio | 14.3% (p90 of band) |
| ROA (annualized) | 0.77% (p61 of band) |
| Total delinquency | 0.10% (p3 of band) |
| Net charge-offs (annualized) | 0.19% (p20 of band) |
| Loans / shares | 59% (p11 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 9.06% |
| Net interest margin | 2.88% (p15 of band) |
| Operating expense / assets | 2.87% (p18 of band) |
| Vehicles % of loans | 22% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 59% (p40 of band) |
| Vehicle delinquency | 0.07% (p3 of band) |
| Vehicle NCO | 0.26% (p15 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 23% |
| Average share balance | $6,800 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $44.3M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $26,220 |
| Loans granted, annualized | $160.4M |

## Participation posture (from the same filings)

Bought $5.8M and sold $0 in the latest annualized quarter; $44.3M outstanding purchased (33.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 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 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 3 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 4 | net worth falling, delinquency rising, members leaving |  |

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

- 2016-10-11 [TLC Community Credit Union is built on reputation - lenconnect.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNLXAxcThoSklNU0FYUlhyQXloMTA3YmpsTXZ6bFNoeGVDcTkwLTd2MHdESkd2RmpnZ0R3eTZkLTJPa1JjeXJmTEZBU1JVSmlzVlZTUmdDRnJmRmFkQkxGSVVtUW5sSDBvYUh5Yko1MnlfOTNZSHJtTy1HOUxJVmQxZGZpMUowMVQwUXhJVlVCOS05V25jLWlBbkN2VWhLUQ?oc=5) · lenconnect.com
- 2023-09-21 [TLC Community Credit Union building new branch office in Dundee - Monroe Evening News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVURXVmRNWHdHVUZHWG5JcUFpXzhRT2F6X0FpSkJmZy1mZU1qWkxrN0dJaGgzcnI1bmJlNlVUQW1OWXNoRmxOend2VTc3TWpkMWVTREJ4S0RmOEZHRTRLbDVta0xqdVJoLWdYbkU3NUZoOFVocGJEWHZzM2hEUUpHNXZ0MDBPSTQ1bFdmMmp0aUxrdTJlNUN2VVNCYU9BdUl1d2dGandXOG9KMWdVV3c?oc=5) · Monroe Evening News
- 2022-12-14 [TLC Community Credit Union selects Jeff Brehmer as new president, chief executive officer - lenconnect.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNcEIxZDBrYWtESlo0SXJBeDIyekstcVRlZVF3SVBhR1JMaDBQM2tLQ29wNXRQNVR0WElDeHp6aHo1WnR4QTFWLVFiMWRKQnNZVTB2VU93c01nbDN5TDFSQXJtaEtFZnZGSV9vWWxnUzJQb2hSbUFKbFlIX1lNQy1YeDN3WmUwZWg4elBsdi1XUVR6MWFENWxYYmVwa3NGVThxRlJvOHFpOENYUnRKdllnejY0OGJObkZ2cUtFRkwyUVJmbl9mX2FlbnlJd1lqLWRudndDVEtadw?oc=5) · lenconnect.com
- 2026-06-23 [Art in the Park continues in downtown Brooklyn with second Thursday event - MLive.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPZjJJaDJFckpCTWhVNVVUQVNMUzZ3RTBiLVItUWhFTjhicmlSbzRsdjFkMEhuU19BRGRpSEZaZXpHRVZsOGhuNGc3LWU2d3l4RVpsdDVxN1ZrZWFZMnRpRThnVHJIQmNnejhqdWdNQ2JlamRUZUhaWjl4X2ZuVDZoMmViMEdsSzJrTTBkZDdfS2daRDA5c0pyWUo2UEpUYXlFckNiMEJhMUEzdlAteE9VSzV2d2tXZkRxaFJaUm9R0gHSAUFVX3lxTFBIMjc3SmU4azhPWkVvUWYzM2ViNUxOZjRSUk03WFhueWZ2N0hRQnhfbl9za2JxZ0IxSlFWUERFTnpXMTgya1dLTUdoVEFWd3NTaU9GOUQzN19UZmgtZEtjdmYxMC1XcFpYYWVwZkR0V1RKN2FseWNLd3A1bi03VDJtbTFlbllGUEV0VkhSMk1jSnZTbW41bnFWWGw3c19NUE9CREVDVkNUZkVXVm8zU3A4V2gzTm5yTnQydmpwVXd2QkFyMnJxU3dIMTU4Zi1lUnBfZw?oc=5) · MLive.com
- 2016-04-18 [Lenawee-based credit union marks 60 years of TLC - lenconnect.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQd1Zldm1VMnU1UkJBQ3JMWm5NdnF6MWd0RWVFTHlxNkl3U052UG1CaUhlbG56amp1ejJfV0tEaVh0TlhySUNvQWFHdjRLeUNpaGpyY2Jmb2kxamxNcmxLTmZxUEJOSEJ2WXFlbHQ0em5aVWZoWXBjR3FQQWtxYThIRld0WlA3S0xwUzhkVEd3Rk9oOUVrbGFiSldJNDhlRTQ?oc=5) · lenconnect.com
- 2026-05-07 [Art in the Park returns to downtown Brooklyn with monthly events - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2022-08-22 [TLC Community Credit Union makes 4-H purchases at Lenawee County Fair - lenconnect.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQVUN4akVSeU5KUmVjZkJnR2JoV055bnB4bTJHczlvZlQzN1RiTFlBU3FjWnpvTUwzdzd6WWhSaHVQdEVoWWN1ZGtUdXYxeVZFbGlrdWphMDFWTGVSYzV3aXI3dmxjWUk1ZkVyX0JKaFE4SnNFMTQ2cjN1LXBmMWtsWFRoM2RJUjA4U2VlZEF3YWhFSU5JaTNCcmRCSmhGMTFkNERldmloVkxXTjdoN1ZacFgtc1lsNGhoOGQxVEtFOVFwLWgzLS0zSUtoTVhfNE0?oc=5) · lenconnect.com
- 2016-03-20 [TLC Community Credit Union staff change announced - lenconnect.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRnZpWlNlanMxeWVNdHQ4cmVKUHhoRHNwQ28yaFpmYWNFaE54a2JtbmhldDBXTDFBaFJnVmFxQ0dTalVtUHNDSmxWZHNpajY0cy0zX2pUSVZQVS1sNWc0MmF3ZklFa3NEMGg1QUcxMmVyU1lqLTE5MG96ZjlBMFVSb1BXWFZqcUdTUXY0QlFOd3JPNkJvQ3ZSYWp5VS1ubkpzQkhVbUlhUnk?oc=5) · lenconnect.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60509 (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/29.json (key "60509", 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=60509
- 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